23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a fraudulent rental debt that has been reported under my name by Columbia Debt Recovery, LLC dba Genesis, acting on behalf of XXXX, my former property management company. 

On [ Move-Out Date ], I fully paid all amounts owed at move-out, as documented in my move-out statement ( attached ). Despite this, XXXX erroneously sent a bogus charge to collections, and Genesis began collection efforts against me. 

On [ Date You First Contacted Genesis ], I contacted Genesis to request debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). Their representative failed to provide documentation proving the validity of the debt and eventually hung up on me when I attempted to dispute it. 

On [ Date You Mailed the Dispute Letter ], I sent a formal dispute letter via Certified Mail demanding validation of the debt, a breakdown of charges, and immediate cessation of collection efforts. Despite this, Genesis has continued collection activities without validating the debt, which is a violation of federal consumer protection laws. 

Actions I Have Taken : Paid all charges in full at move-out ( proof attached ). 
Requested debt validation from Genesis, which they refused to provide.

Filed a formal dispute letter via Certified Mail ( tracking available ).

Filed complaints with the State Attorney General and FTC.

Requested Resolution : Genesis must immediately cease all collection efforts. 
Genesis and XXXX must acknowledge that no debt is owed. 
Any negative credit reporting related to this collection attempt must be removed. 
XXXX must implement corrective measures to prevent future wrongful debt collection. 
This collection attempt is completely invalid, and I expect the CFPB to hold Genesis and XXXX accountable for their violations of the FDCPA and unlawful debt collection practices.
Product: Student loan

Ive been a XXXX  for 13 years now and Ive applied numerous times for forgiveness programs to get some type of relief for my loans and nothing has ever worked
Product: Checking or savings account

I received an offer for XXXX points for opening a Citi Priority Checking Account with the stipulation I make consistent bill payments and a large purchase with my debit card within a certain period of time. I opened the account and funded with {$500.00}, and over the course of the next week, also deposited an additional {$300.00} check, {$500.00} check, and {$2300.00} cash, which would have covered my bill payments, large purchase, and some left over. 

Following this, I learned I was unable to use any of my funds and all transactions, transfers, and bill payments were being denied. I used both online chat and called several times, speaking to a manager last, who all said I could not access my money because a check needed to be verified. However, I rebutted that cash must still be available for me to withdraw since it was a non-suspicious amount and regulations required it to be available, but they insisted that the one check on hold meant they could hold my entire balance.

I asked if they could expedite and they said no. I asked if I could verify the information on the phone and they said no. I asked why my cash was unavailable and I kept getting an answer that my check was on hold, and no funds would be available until XXXX. 

Then I asked to close my account, and they refused. 

It seems as though Citi lured me with a marketing offer, and is now refusing to let me use any and all of my money as my online account and card are locked. I can not withdraw my money to pay these bills, and can not access my funds in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found on my credit scores a hard inquiry on my report. It was from XX/XX/2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted XXXX Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.
Product: Credit card or prepaid card

JCPENNEY CREDIT CARD ISSUED BY SYNCHRONY BANK. 

I purchased curtain panels from J C Penney using their credit card issued by Synchrony Bank on XX/XX/20 for {$170.00} ; XX/XX/20 for {$110.00} ; XX/XX/20 for {$760.00} ; XX/XX/20 for {$350.00} ; and XX/XX/20 for {$230.00}. For a total amount of {$1600.00} XXXX see attached statement ). 

Due to inferior quality and inaccurate website descriptions concerning size, I returned ALL curtain panels via XXXX in seven ( 7 ) separate shipments for a total out-of-pocket expense of {$250.00} ( see attached receipts ). 

I only received a credit of {$1300.00} XXXX see attached statement ). Even though I filed two ( 2 ) purchase disputes with Synchrony Bank on XX/XX/20 and XX/XX/20, they continued to charge late fees and interest for a total of {$83.00} XXXX see attached statement ). 

I finally had to pay the disputed amount of {$380.00} XXXX see attached statement XXXX to save my credit score, which had dropped 67 points, as a result of Synchrony Bank 's ineptitude, not to mention illegal behavior!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$880.00} Account Number : XXXX
Product: Consumer Loan

I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet. 
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.
Product: Credit reporting

Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.
Product: Debt collection

I discovered a collection account on my credit report and decided to call to figured out what is for. 
The name of the collection agency is Southwest Credit Systems, they informed me is a collection for a XXXX bill from XXXX and they started to collect on late XXXX, I informed them that I never received an initial collection letter or call, then we realized the address on file was wrong, the apartment number was incorrect and that is the reason I never got a letter, I explained to the supervisor that I never had the opportunity to pay this bill or dispute it before it poped on my credit, I offered to pay the bill just if they agreed to delete the collection account from my credit report but they denied even when they know the address was wrong and I was never given the chance to pay or dispute the bill. I requested to dispute this bill since I don't even know what it is for but they refused to process my dispute.
Product: Payday loan, title loan, or personal loan

Integra Credit is misleading their consumers and abusing the credit system. I first reported their misconduct in XX/XX/XXXX for credit inquires and a lack of properly reporting my accounts to credit bureaus. Their website FAQ section states they only do a soft pull during the application process, however, with each application I completed, a hard inquiry was placed on my credit report. During XX/XX/XXXX, each inquiry was removed from my report. 
Integra has yet to report my 1st loan payment history although they advised on several occasions they do monthly credit reporting. 
I opened a 2nd loan with Integra in XX/XX/XXXX and during XX/XX/XXXX I called for assistance due to financial hardship caused by XXXX. I was placed in a Financial Hardship Program that postpones the payment due and stops collection activity for a period of 14 daysXXXX I entered into this program on XX/XX/XXXX and the status of my account changed immediately as per the email I received and my conversation with the representative. Despite this program, I noticed today that my loan account was reported delinquent on XX/XX/XXXX with no other payment history reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX have 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. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

My Sony Credit Card account was transferred from XXXX XXXX to Comenity Bank. The transfer was NOT initiated by me. Upon receiving the first ever statement ( attached ) by Comenity Bank for the month of XX/XX/2019, I noticed that I was charged a {$25.00} late fee and {$47.00} of interest. I called Comenity and I was told that I was charged a late fee and an interest because I missed the first balance due of {$1800.00} for the month of XX/XX/2019. Please note that I had an auto-payment setup for years with XXXX XXXX and never missed a single payment. How was I supposed to know how much was due to Comenity in XXXX if the first ever statement Comenity mailed to me was for the month of XXXX? If the balance for the month of XXXX was due to XXXX XXXX, it would have been auto-paid. If the balance for the month of XXXX was due to Comenity, Comenity should have mailed the XXXX statement to me so I could have paid it. But Comenity didn't. Please note that I have a screen print ( attached ) of the Comenity statements available online, which clearly indicates that XX/XX/2019 is the only statement Comenity ever produced for me. In other words, Comenity failed to inform me about my balance due, and then later charged me a late fee and an interest because I did not pay the balance which was unknown to me. Please note that the auto-pay I had with XXXX XXXX was not transferred with the account to Comenity. The whole story could be interpreted as fraudulent if Comenity, in bad faith, deliberately failed to communicate to me and maybe to other customers acquired from XXXX XXXX their balances so they could cash-in interests and fees. Please investigate if I am the only one that incurred in such a problem. Please note that I have and always had an excellent credit score. I am hereby declaring to retain all of my rights to seek legal advice and representation and potentially start a class-action lawsuit in the event that the negligent and possibly fraudulent behavior of Comenity Bank is not taken care of promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is not complying with their own policies in a timley manner
Product: Debt collection

I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666b A Creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple notices to Transunion in regards to unauthorize inquires listed on my credit report. Ive already contacted the companies and they have no record of this information being reported. I need for Transunion to investigate and provide proof of signature for these erroneous inquiries listed on my credit report. This has caused so much XXXX  during these hard times.
Product: Debt collection

I was in the hospital late last year due to a rare XXXX. All of the $ XXXX I was billed went to my health insurance and was paid, subject to co-pays. No issues there. In XXXX of this year, I attempted to refinance my mortgage and discovered 4 collection items on my account. This did not allow me to refinance my mortgage at the time of the low rates and cost me about {$70000.00} long-term. 

I was able to contact the collections company with info obtained by my mortgage broker. They advised these were bills from when I was in the hospital. They advised that these had already been submitted to my insurance company. I advised that was impossible, as I wasn't even aware of these bills. They later agreed. 

The collections company agreed to submit to my health insurance. Two weeks later, they have still not done so. The collection company would not give me information for this company that supposedly billed me and sent me to collections, so I had to dig online. 

After a couple weeks, I found this company " XXXX XXXX ''. I called them earlier this week and they advised that they had sent me one letter ( while I was still in hospital ) and texted my phone ( not even sure what phone I had when I was in hospital ). During the call, I gave them my health insurance info, and they advised they would send to my insurance company and notify the collections company to remove the accounts. Today, I called back to ensure this was happening, and, unsurprisingly, it was not. They had not yet contacted my health insurance company or the collections company, and instead had false notes regarding my interactions with them. They said I left a voicemail, but they tried to call me back and couldn't reach me. All of that is untrue. I had voice-to-voice contact with them just two days earlier! 

My issue with them is still not resolved, and at this point, I literally can not get either the collections company or this company to get this properly submitted to my insurance and remove my collection accounts. I work in the insurance arena, though not health insurance. Frankly, it boggles my mind that these types of companies are allowed to operate. Had I not had several friends as lawyers and financial advisers, I never would have even been able to find this company. They didn't bill me, sent me to collections, hid, and cost me {$70000.00} of potential savings on my mortgage. It's almost surreal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Student loan

I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An amount has been recorded as in collection which is not mine. The amount of {$770.00} is shown as my debt to XXXX that is in collection as of XX/XX/2023. I have tried to correct this online without success. In the meantime, my credit score has been lowered to reflect a delinquent account. This is negatively effecting my ability to get loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to ask me for information regarding this account when the law states that EarlyWarning must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). 

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
Product: Credit reporting or other personal consumer reports

I REVIEWED A RECENT COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE FRAUDULENTLY OPENED AND REPORTING TO MYCREDIT REPORT AND IS NEEDING TO BE REMOVED IMMEDIATELY. AS I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND THIS ISINCONVENIENTLY AFFECTING ME. I'VE ADDRESSED THESE ACCOUNTS BEFORE WITH BACK UP BUT CREDITORS ARE STILL ILLEGALLY REPORTING THESE ACCOUNTS.