23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

What happened? 

I, XXXX XXXX, am disputing charges by Columbia Debt Recovery XXXX, XXXX XXXX, regarding a previous rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Details : Move-out Date : XX/XX/XXXX Date Debt Placed for Collection : XX/XX/XXXX Debt Amount : {$1600.00} Upon moving out, I was informed by the property management that the apartment only required carpet cleaning. I provided a video of the apartments condition, confirming it was left in good order. 

Disputed Charges : Carpet Replacement Fee : {$1100.00} Cleaning Fee : {$250.00} Painting Fee : {$310.00} Damages : {$250.00} XXXX dispute these charges as excessive and unjustified. The apartment required only standard cleaning, not the extensive repairs claimed. 

Communication with Columbia Debt Recovery XXXX : Initial Communication : XX/XX/XXXX - Received notice of debt collection. 
Dispute Filed : XX/XX/XXXX - Requested validation of the debt. 
Response : XX/XX/XXXX - Received a XXXX with a summary of charges but no supporting documentation such as invoices or receipts. 

Unfair Practices : Columbia Debt Recovery XXXX has a history of negative reviews and consumer complaints citing similar issues of abusive practices and unjustified charges. The company has failed to provide adequate documentation validating the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g ( b ). 

Requested Action : I request an investigation into Columbia Debt Recovery LLCs practices and a requirement for them to provide proper documentation for the disputed charges. Until then, I request a cease of all collection activities.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite several written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX XXXX  Partial Acct # XXXX is not my account. I never open this account and it is still on my report. I called all XXXX bureaus to let them know this account is not mine. It was open on XX/XX/2020 and at that time I was incarcerated. My release date was XXXX XXXX. I requested my credit report and saw XXXX accounts that I never open. I immediately called these credit cards and cancelled them but this one was not removed and it is hurting my ability to purchase a home. The address were these cards were mail was an address close to the prison. I know an employee stole my identity to open credit. 
Here is the address the cards were mailed. If you do an investigation you will find that an employee from the XXXX lived or lives at this address. 
XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION TO OPEN CREDIT CARDS.
Product: Checking or savings account

XX/XX/2019 - deposited a check in the amount of {$3000.00} to my checking account through ATM after the deposit was completed, I was advised the check would be on hold until XX/XX/2019 ; approx. 7 business days Following my deposit I called the bank and was advised there was nothing I can do.

1 ) My issue is that prior to accepting the deposit bank should let you know that funds would be held.

2 ) Secondly, the holding time is excessive 3 ) my rent is due on XX/XX/XXXX and will face a penalty of {$50.00} because I will not have the funds 4 ) i had set up payments to come out of the account, which the back returned and imposed overdraft fee Had I known the deposit would be held for so long I would made the time to visit a branch and cash the check of find other means to receive my funds.
Product: Student loan

I have been making payments thru the Navient website and the money comes out of my bank account but it does not show on my Navient account. Navient sends me emails saying thank you for your payment and your payment has been received but again the money is never posted on my account. In order to talk to a live person you have to sit on hold for 30min.
Product: Debt collection

I gave my ex roommate a deposit for an apartment share on XXXX of XXXX which was {$920.00} including utilities. She gave notice by bogus electronic means after she had already vacated the apartment and again, without my knowledge, that the lease was up XX/XX/XXXX. XXXX XXXX XXXX  XXXX was the legal tenant on the lease and gave me an illusory tenant agreement which led to a highly suspect eviction and my current XXXX. While my rent and utilities were included in my monthly payments to her- she or XXXX XXXX XXXX  company changed the utilities into my name without my knowledge or consent and now they are attempting to collect and ruin the credit I have been trying to rebuild for years. 

XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the XXXX & XXXX breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Elan Financial Services card or Fidelity card ( Elan Financial Servi ) is what it shows up as on my credit report. It is currently incorrectly reporting that I have a {$16000.00} balance when it should only be reporting a {$1200.00} balance. This should be the balance based on the closing date of XX/XX/2021. I am not sure where they are getting a {$16000.00} balance from.
Product: Mortgage

I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX  XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.
Product: Money transfer, virtual currency, or money service

Can't link acct to XXXX XXXX.
Product: Debt collection

Today I received three debt letters from TRS recovery services. On behalf of XXXX XXXX XXXX. I dont owe them anything.
Product: Credit reporting or other personal consumer reports

My social security was stolen and used multiple times adding up to 40 inquiries Also closed accounts i never opened and had to pay because someone order a credit card in my name and it came up on my report as a balance please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This address does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I only have one address is XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I am writing to request the removal of inaccurate information related to my XXXX Credit Card account, issued by XXXX XXXX, which appears on my credit report. The information listed below does not relate to any transaction ( s ) that I have made. It is the result of identity theft and the improper handling of disputes by XXXX XXXX. 
Additionally, multiple unauthorized and fraudulent charges were permitted on my account despite my disputes and my documented history of identity theft. Due to these ongoing issues, XXXX XXXX erroneously closed my account, which I believe was done without just cause and has negatively impacted my credit score. 

The account closure has also led to the reversal of valid charges for services I use, such as XXXX subscriptions, and has caused significant disruption to my ongoing financial obligations.
Product: Credit card or prepaid card

On XX/XX/XXXX confirmation XXXX I paid off a balance of {$32.00} to my Comenity - Ultamate Rewards Credit card The due date was XX/XX/XXXX and a payment was made on that day. The following month I received a charge on my card for {$29.00} Fee Charge ( XXXX late pay and XXXX min interest charge ). 
I called to speak to a supervisor and explained I made a payment on XX/XX/XXXX and gave the confirmation number. They claimed I made it at XXXX my time which was XXXX their time ... 15 minutes after their cut off time. This was knew news to me, I was unaware of a " time '' cut off. I only knew of a " date ''. I ask for them to wave it, since I had been great credit with them and I was unaware of a time cut off on the due date. They said they waved my original late fee when I first signed up with them and they would not wave this one. 
I explained my first late charge was due to me never receiving my first statement after initially signing up with Comenity, so I had no idea when my payment was due. 

I closed this account XX/XX/2019. This company is continuing to charge late fee on top of late fee even after the account was closed.
Product: Credit card or prepaid card

I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've sent many disputes in regard to this account with XXXX XXXXXXXX, when I receive response they say the debt is verified and correct, Yet when i call by recorded phone they tell me the debt was passed over to XXXX XXXX XXXX XXXX. When speaking with XXXX XXXX they do verify where this account came from they only sent me a balance of {$500.00} and 3 statements which don't belong to me. At one point they removed the account and replaced it back in 30 days. Non these actions from transferring the debt or replacing it back in my credit report were sent me by mail or email to notify me which means they are illegally passing my personal information around which under 15 U.S. Code 1681e is a violation of my rights. I believe it could have placed on my credit because of my fathers death and we share the same first middle and last name. I have sent many certified mail letters to each company to remove this wrong information. Each time they update the info and report differently in each credit company from current balance open day and closing dates they all do not match and the account is not mine. 

XXXX XXXX ACCOUNT NUMBER XXXX REFERANCE NUMBER : XXXX please review the documents attached and you will see in the details that it doesn't report correct and they are refusing to properly verify the debt and will remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.

In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time. 

A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime. 

That references the unit in your name. 

A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.
Product: Debt collection

I am filing this formal complaint regarding XXXX XXXX XXXX and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, XXXX XXXX XXXX has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness.

Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like XXXX XXXX XXXX to ensure the accuracy and validity of the information they report. XXXX XXXX XXXX has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification. 

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from XXXX XXXX XXXX but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( XXXX, XXXX, and Equifax ) unless XXXX XXXX XXXX can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.
Product: Vehicle loan or lease

Hi, I would like to escalate my complaint to XXXX XXXX XXXX - CEO of HCA. I was contacted by HCA Care Department on Tuesday ( XXXX XX/XX/2023 ) and spoke to XXXX XXXX XXXX XXXX. I explained the case to him and XXXX looked into it. We spoke on Wednesday and again today ( Thursday, XX/XX/XXXX ). XXXX assured me that he will take care of my case and make everything right. However, after he spoke to his supervisor about his proposed resolution, he called me back and told me his supervisor did not approve it on the basis that I did not call back the customer service the next day (??? ). I asked to speak to the supervisor but XXXX said he needed to schedule a call back tomorrow. Why on earth did I have to pay extra because of the wrong information given by the customer service? It is not about the amount, it is about the fact that you gave your customer wrong information leading to delay leading to extra cost and you are not taking responsibility for it. 

This is written in your website " In addition to our headquarters in XXXX, CA we have three operations centers in the USin XXXX, XXXX, and XXXX XXXX employees all committed to being a value-adding partner for our customers and supporting them with industry-leading customer service. '' Please show me how an " industry-leading customer service '' company treats their customer I request to speak to XXXX XXXX XXXX and get my case resolved no later than Friday ( XX/XX/2023 ) My name is XXXX XXXX XXXX XXXX ( my phone number is XXXX ). My car 's VIN number is XXXX. My Hyundai Motor Finance account is XXXX
Product: Student loan

My case was handed over to Performant recovery. I was XXXX  and had just found a part-time job in TN. So I had moved to TN, and began to work. I was contacted by performant, who harassed and kept calling even though I was paying out 50 % of my wages, they went ahead and garnished my wages, and my income tax refunds. After five years of asking for an account balance, they could not find it. The last time I got hold of Performant, I was placed on hold for hours at a time, to be told my account manager was out that day and to call back, as they can not find any records at all of my cases. 
Now, after no contact for two years, I try every couple of months, after paying in over 10k for XXXX XXXX loan, I now get a bill and a threat from XXXX XXXX XXXX claiming I owe over 4k and need to pay XXXX $ handling fee. This whole education was a scam, the college lied claiming I would have guaranteed a job, which once I found out I was going into debt for a useless degree, I quit. Performant lied, harassed, and lost my account? 
I was making payments, once I found work, but was so underemployed I found it difficult to service. To this day this whole debacle has been destructive to my entire future. I have been trying to resolve this, how can I when I get lied to and cheated by every entity involved?