23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Around two to three months ago unsure of the exact date. Me and my girlfriend were setting up a baby shower and we went through a party retailer to rent tables chairs etc. the retailer was asking a deposit of 50 % which was only refundable up until a certain day before the event. A family member was able to help us with chairs and tables hence we decided we wouldnt need their services so it being serveral days before the last day to refund we called and asked but they kept denying our refund saying it was too late even though we had not past the discussed date. So I went through my bank to try and charge back and get my XXXX $ back seeing how these people were attempting to take advantage of me. Then fast forward 2/3 months and my bank denied my charge back saying the merchant has the right. That they got a signature ( which is not even mine ) I never read any of the paper work or agreed. So now my bank has sided with them saying I have no right to a refund even through I requested one before the due date the merchant is saying we attempted to request it after and that is their reason for denying us our refund. The merchant wont do anything to help us and my bank wont either. The merchant never provided any service or product and are charging me XXXX . I feel like Im being cheated by my bank and the justice system. I work hard everyday and have a kid on the way these people literally left with no money in my account and are just trying to dust me under the rug.
Product: Debt collection

I received a debt collection letter in the mail on X/XX/17 from XXXX XXXX XXXX/Pendrick Capital Partners II. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that Pendrick Capital Partners purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.
Product: Debt collection

XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!
Product: Debt collection

XXXX is trying to collect an old debt not owed. XXXX charged me for an extra month of television service that I did not receive. I had already cancelled the account where I was an excellent customer for two decades with XXXX and its predecessor XXXX XXXX. The amount involved is {$100.00}. XXXX is reporting this amount to XXXX and XXXX  keeps reporting it on my credit report and neither XXXX nor XXXX  will listen to me and remove it. I am over XXXX years old and though this may seem a small amount to some, it is a large amount to a senior on a fixed income. XXXX has been abusive to me in phone calls and has been extremely abusive when I have talked to XXXX 's corporate office located in XXXX. I am also a victim of the XXXX Data Breach so you would think XXXX would be responsive to false reports on my XXXX Credit Report, but they are not. Both firms think because I am a little old lady I don't count and their employees can be abusive and push me around because they work for large firms and are not accountable to anyone. This money is NOT OWED, and THIS DISPUTE IS OVER SEVEN YEARS OLD, but every time XXXX sells this account to yet another collection agency, XXXX reports a much later date for this false debt. Now it is being reported as just having been incurred in XX/XX/2019, when in fact goes back over 7 calendar years ago! XXXX, please remove this false debt from all three credit bureau reports. XX/XX/XXXX and XX/XX/XXXX have already removed it, but XX/XX/XXXX continues to torture me and refuses to remove it. I have talked to lawyers who are ready to sue XX/XX/XXXX and also XXXX in a class action suit over this with many other plaintiffs involved, not just me. I want this XXXX collection account immediately removed from my credit reports from XX/XX/XXXX, the only credit bureau still reporting this false information. Thank you to the Federal Government for your help with this! It seems as if you are the only one who cares about the little people. PS Both XX/XX/XXXX and XX/XX/XXXX have already investigated this and removed it from my credit report, while XX/XX/XXXX where I am a victim of their data breach, refuses to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX charged off and written off in the amount of {$290.00} still showing on credit reports XXXX XXXX XXXX contacted XX/XX/XXXX amount {$450.00} XXXX XXXX XXXX Charged off open in XX/XX/XXXX original amount {$8700.00} Charged off amount {$9200.00} resubmitted to experian transunion and equifax XXXX XXXX XXXX in XX/XX/XXXX Charged off for {$3900.00} and written for {$4500.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX I paid in full on XX/XX/XXXX XXXX XXXX open XX/XX/XXXX charged off and written off in the amounts of {$1000.00} XXXX XXXX  paid in full open in XX/XX/XXXX shows charged off XX/XX/XXXX still showing. XXXX XXXX XXXX XXXX XXXX XXXX charged off for {$20000.00} and written off {$15000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX charged off {$17000.00} and written off {$12000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX charged off for {$4900.00} and written off for {$4900.00} None of these did I ever receive a 1099 after requesting and none was ever removed but XXXX and that reinserted that XXXX by Experian Transunion or Equifax I ask that all of these be removed. 
Thank you
Product: Credit reporting

The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I'm XXXX XXXX! Last 4 of SSN XXXX EQUIFAX HAS NOT HELP ME WITH REMOVING IDENTITY FRAUDULENT INQUIRES ON MY CREDIT REPORT..IVE.ALSO SENT 2 PREVIOUS DISPUTE. LETTERS THIS PAST YEAR. THESE LIST.OF FRAUDULENT. INQUIRES. MUST BE REMOVED!!! I DO NOT.HAVE ANY OPEN.ACCOUNTS.WITH THESE LENDERS. EQUIFAX HAS BEEN IGNORING ME..LIST.BELOW XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} CXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX
Product: Debt collection

I am submitting this complaint regarding the debt collection practices of RentDebt Automated Collections , LLC ( RDAC ). RDAC has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant stress and damage to my financial standing.

Background and Violations : Failure to Validate Debt : RDAC placed a debt collection account in my name, associated with account number XXXX, without validating the debt, as is required under 15 U.S.C. 1692g. Despite my requests, RDAC has failed to provide verification of the debt or confirm its accuracy.

Inaccurate Reporting to Credit Bureaus : RDAC reported this unverified debt to the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) on XX/XX/2024. This reporting of inaccurate and unvalidated information violated 15 U.S.C. 1681s-2 ( a ) under the FCRA. As a result, my credit score has been negatively impacted by RDACs failure to ensure the information was complete and accurate.

Harassment Through Repeated Phone Calls : RDAC has made repeated calls to me regarding this debt. Representatives claimed to be associated with XXXX XXXX and, on multiple occasions, called without fully disclosing their identities. These repeated phone calls were harassing and intended to pressure me into paying a debt that RDAC has not validated. This is a direct violation of 15 U.S.C. 1692d, which prohibits such harassing practices.

Violation of My Privacy Rights : RDAC representatives contacted me directly despite my request that all communications be directed through my attorney, in accordance with 15 U.S.C. 1692c. This was a clear infringeme
nt of my privacy and disregard for my right to involve legal representation in such matters.

Lack of Adequate Notice : RDAC claimed that they sent an initial letter with notice of validation rights on XX/XX/2024. I did not receive this letter, and RDAC has not provided any further notice or documentation to confirm that this notice was indeed sent or delivered. 

Actions Taken on My Part : On XX/XX/2024, I sent a formal letter to RDAC disputing the debt and requesting verification of the debt under 15 U.S.C. 1692g. I also requested that RDAC cease all collection efforts until this verification was provided. 
On XX/XX/2024, after receiving no satisfactory response, I sent a demand letter to RDAC, reiterating my rights under the FDCPA and FCRA, detailing the ongoing violations, and requesting compensation for damages caused by their actions.

RDACs continued failure to validate this debt, combined with their inaccurate reporting and harassment, has created undue stress, damaged my credit, and resulted in financial loss due to the lowered credit score. I am seeking compensation to address these damages and to have RDAC correct the reporting on my credit profile. 

Thank you for your assistance in investigating these violations and helping me reach a fair resolution.
Product: Debt collection

This company is claiming myself and my husband owe money to 5 llc 's in nevada for a total of {$2900.00}. This is the collection company info- Mcarthy Burgess and Wolf-XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX Phone XXXX Fax XXXX I looked up each LLC -- below -and each company has been out of business since XX/XX/XXXX. 

Invoice ( s ) : XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | Balance Due : {$2900.00} MBW No : XXXX I have asked for the original dates that the debts were incurred and the contact information for each company -- they outright lied and tried to tell me XX/XX/XXXX.. which is impossible, as these companies ' have not existed since XX/XX/XXXX. I have disputed these debts and requested documentation -- which as you can see would be impossible for them to have or get considering - the companies have not existed for 11 years.- YOU HVAE PERMISSION TO TALK TO MY COUSIN - XXXX  XXXX REGARIDING THIS ISSUE. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

In XXXX of 2012, I purchased a water heater from XXXX and paid with a check, when I got the water heater home, it did not fit where I needed it, so I return it, it 's over an XXXX drive for me, when I took it inside. The manager advised me that they could not refund me for 14 days ( until the check cleared ). So I left the water heater there and did a stop payment on the check. She wrote me a receipt of returned item which I kept for several month but now it 's been over 4 years and I find on my credit report a collection for this stop payment check. I disputed the item and after investigation which only took about a week I was told it was confirmed. XXXX should have never collected on this check through the third party that guarntees the checks because the item was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX - TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays a Wrong FICO SCORE TransUnion Rates my fico score as XXXX, XXXX shows my FICO score at XXXX and my XXXX FICO score is XXXX.This is inaccurate because of all the fraugent items that's displayed on my account. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit card or prepaid card

I became aware of a fraudulent Chevron/Synchrony credit card when checking my credit scores late XX/XX/XXXX. Contacted Synchrony and alerted the Credit Reporting Agencies. Over the ensuing months, I would receive a statements from Synchrony that they completed an investigation and that I benefited from the transaction. Each time I requested that an invesitgator call me so that I could go over the details ( which were obscure in the beginning ). 

To this end : -no statements were ever sent to the house ( although the account had been opened more than a year -the account was opened using an address that I had moved away from over 20 years ago - the largest purchase was at an auto parts company in Delaware - {$3100.00} and {$4900.00} ( I live in Ohio and haven't bought auto parts in decades ) -email for the account does not match any that i ( or my wife ) use -our phone numbers were not the same as the ones on the account -I have a top credit rating and routinely pay in full on balances much larger than this one Dates : XX/XX/XXXX : became aware of fraudulent card - letter sent by Synchrony stating investigation completed and I benefitted from card XX/XX/XXXX : second complaint filed, request to talk to investigators XX/XX/XXXX : Synchrony sends form letter stating investigation is complete and charges benefitted me. No one has returned my calls Early XX/XX/XXXX : Third call ; somehow they have switched the number on the account ; Synchrony asked again for investigator to call XX/XX/XXXX : police report filed with the XXXX XXXX, OH Police Department ; copy sent and case number of the report emailed to Synchrony XX/XX/XXXX : Phone call with Synchrony - transferred to Specialist XXXX ; investigation reopened ; again pleaded that the investigators call about the glaring inconsistencies Mid XXXX, XXXX : Receive letter ( dated XXXX ) from Synchrony stating that a credit will not be issued for the {$11000.00} (??? ) XX/XX/XXXX : Spoke with XXXX from Synchrony who explained the credit and not to be concerned with it.
Product: Credit reporting or other personal consumer reports

Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a SYNCB/CC reported on XX/XX/ and then two SYNCB reported on XX/XX/ and XX/XX/. I had a report for a XXXX on XX/XX/. I had two reports from XXXX on XX/XX/ and then XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent some money through MoneyGram and the systems have been shut down and I am not able to receive and update at all and theres no resp from customer service
Product: Credit card

If you're going to close my accounts then let me use my rewards balances to pay off the balance! I don't want to hear the old 'oh it's gone once an account is closed ' type of XXXX! Adjust my balance with the credit card rewards!
Product: Payday loan, title loan, or personal loan

They refuse to put my account online. They wont put my account on online webpage americanexpress.com Ref : XXXX Loan Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against the 3 credit bureaus. They are in violation of FCRA Section 605b. I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. I need them to be held accountable for their breach of the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating, and it is my right to make some investigations. These are following items I want to remove : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.