23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I send a letter regarding inaccurate and unknown accounts reporting on my credit report. I requested Debt Validation under the FDCPA and as of XX/XX/2021, I have not heard back or received any kind of response yet. I feel like I'm being ignored and my request for debt validation is not being taken seriously. 15 usc 1692g ( b ) says that the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or ... name and address of the original creditor, is mailed to the consumer by the debt collector. I am a consumer and I requested a debt validation, it has been over 51 days. Therefore, I demand that these accounts be immediately deleted from my credit report or I will have to file for litigation due to the XXXX and negative effects of this item being on my credit reports. This company is has refused to honor my request for debt validation. Therefore this account shall be deleted. My information was impacted by the XXXX data breach and I have been a victim of Identity theft. XXXX, XXXX and XXXX are aware of this. I disputed this item with all three reporting agencies and in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, they did not provide actual proof the information was verified, they sent a computer-generated response.
Product: Credit card

Around the XXXX of XX/XX/2023 I attempted to cash refund check after they closed my account. When it was denied due to a stop payment. I have left several messages to inquire why I have not received any explanation or return call after several messages left. After my first complaint it seems retaliatory in direct response to the complaint filed. They have my XXXX dollars for 5 months now with out my having access. That is a federal crime is it not theft and fraud. I've got no recourse to retrieve my money or fix the damage they have done to my credit. XXXX points for an account they never opened but reported closed and kept my money. I need direction o. How to proceed. Clearly I can only keep calling but at what point do I receive compensation for there having kept my money for the better part of the year and causing me great harm in my attempt to obtain a better credit rating.
Product: Prepaid card

On XX/XX/XXXX I was XXXX  and my wallet that contained every card I owned, including my social security card and my XXXX  XXXXXXXX XXXX card. Within hours the thief was able to change the pin on my prepaid Netspend card by using my SSN. Once I was alerted thru text that a transaction was made I immediately reported it stolen and shut the card down. The company provided no provisional credit nor did they help with identity theft protection as they promised and when closing the dispute they tried to say the pin change came from a number or IP address that was somehow linked to me. Upon requesting this documentation, they even provided me the actual thiefs cell number from which the pin was changed and still didnt consider the activity fraudulent. They also never called as promised multiple times. Then at end of XXXX I realized there were more unauthorized charges done by the thief creating a virtual card. Once again they did nothing at all to resolve this this trying to hold me accountable
Product: Payday loan, title loan, personal loan, or advance loan

As a consumer I am enforcing my basic consumer rights. I have a right to be informed. I have a right to redress. I have requested my security agreement and disclosure. During this consumer credit transaction which makes the principal the original creditor. And the banks the borrower. In accordance with 12 usc 1431. The power and duties of banks.. the principal is owed interest. I XXXX XXXXagent on behalf of the principal/ XXXX XXXX XXXX XXXX Im here to receive all interest owed to the principal. Also in accordance with 15 usc 1605. The finance charge is the sum of all charges. I would like to express and written to receive and retain all services and changes applicable to the principal. In accordance with the truth-in-lending disclosure. After I receive all services and changes to the finance charge. I would like to transfer the principal balance to the principal account to set off the debt. I have sent my power of attorney to all financial institutions. In my documents you will see proof of certified mail being delivered to the institutions. Navy federal is the bank Ive done a auto loan with. All other financial institutions also received copies of my power of attorney. I have spoken verbally also in person with the XXXX banks XXXX XXXX  navy federal . And the have advised me they received the documents. I would respond. Its been 30 days. No response. Navy federal informed me that the department that handles power of attorney documents received my legal documents. I also have the right and capacity to contract. Im not a minor. All financial institutions have 5 days to respond from receiving this information. Thank you. XXXX XXXX agent on behalf of the principal/ XXXX XXXX XXXX
Product: Credit card or prepaid card

I was booking a XXXX cruise. When I got to the payment page there was an option to apply for the Barclay Carnival credit card. I applied for the credit card and was approved for funds greater than the cost of the cruise that I was booking. After showing my approval, the page prompts to complete the booking. When I selected the complete booking option I get an error page with nonsense script. There is no option to complete the booking process with the credit card that was just opened. 
I did video the process. The process repeated when my husband tried doing the exact same process to open an account.
Product: Credit reporting

Credit Bureau is in violation of FCRA and has not verified the original signed contract with my signature on it.
Product: Credit card or prepaid card

The credit card operator ( Citibank ) offered a planned payment for purchases on the credit card at a reduced APR, offer that is available until XX/XX/2020. I have read all the exclusions and based on that I paid services rendered to me on the value of {$3300.00} which I fully intended in break down in 16 payments based on their proposal. Once the payment posted and I tried to use the promo, I found that my transaction wasn't eligible and I called customer service, which were not able to give a reason why the charge was ineligible. I told them that it was eligible according to the site and they said it could be due to low limit available or changes in credit worthiness. I explained then that the purchase was using only around 30 % of my available limit and that recently my credit score has been better than ever before being around high XXXX end sometimes XXXX. At this point they said they other criteria that could apply but couldn't tell me what. I then asked if this was a lottery and the manager actually answered that it could be considered like that. Amazed I told them that if I knew that I would never have user their card to pay for this transaction before hand and that this information wasn't promptly available on their site to which she offered to send some documentation which I recused since I think this information should be available on the site where I consulted before taking this decision, not as an after thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021, I sent a certified mail reporting fraud to TRANSUNION notifying them of fraud on my credit file/report. They sent mail stating they have completed the investigation ( dated XX/XX/2021 ). 
Under the Consumer Rights Law 15 USC 1681 a.e., the investigation haas to be done with the Consumer 's ( me, I ) neighbors, family members and associates.

Transunion has not investigated any of these accounts with my family members, associates and neighbors.

I called them again today ( XX/XX/2021 ), XXXX answered at first and verified name and SS # then stated he would have to transfer me to the " XXXX XXXX XXXX '' Then spoke with XXXX, verified my information in which I let him know I'm calling regarding the File # XXXX that was completed and dated XX/XX/2021. 
XXXX mentioned there was a middle name which was on my report however, the file sent to me does not specify a last name. He then asked me if I wanted it " removed '' and I asked him to please tell me what the middle name was because I do not have one and this is fraud. He stated he just would like to make sure because he is generating another file # XXXX for this investigation. This is also fraud! 

I DO NOT RECOGNIZE THESE DEBT ACCOUNTS and I AM DEMANDING THE REMOVAL from my Transunion file/report. These are the debt accounts : USBK COURT XXXX NEW YORK DOCKET # : 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 I would also like to add per my Consumer Rights according to 15 USC 1692, I do not owe any debt listed above, I am not obligated to pay, I am the Administrator/Agent according to Consumer Rights 15 USC 1602. Transunion can not confirm any debt of mine, and being the Consumer, I am stating this debt does not belong to me. 

Thank you.
Product: Mortgage

I sent Fay Services all the information they requested repeatedly They still refused to give information on my fathers house so we could sell the issue Countless calls countless emails with rude employees and we still had no information to relieve the foreclosures in four days
Product: Debt collection

A review of my credit report shows a XXXX dollar account. It is marked as a collection charge off. I received no letter for this debt. I received no XXXX for the charge off.
Product: Credit card

On XX/XX/2024 I was traveling in XXXX XXXX. I paid for a taxi ride via credit card and was overcharged. The taxi was supposed to cost about {$35.00} USD but I was charged {$870.00}. The cab driver showed me a tablet with the agreed upon amount, but when I checked my account later is was charged a different amount than what he showed me. I was not given a receipt. 

I filed a dispute with Bank of America which they denied because I did not have a receipt. Based on my conversation with their support, they made no attempt to contact the vendor to confirm or deny this dispute. It was solely denied based on me not having a receipt with no other investigating done. I asked for all documentation related to their investigation which they said they would provide within 2 business days but never received any documentation.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX. # XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. These companies have violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Since XX/XX/XXXX, I have repeatedly attempted to resolve an inaccurate and false account reported on my credit report by XXXX XXXX XXXX XXXX. Without success, this erroneous account has caused me significant financial hardship. 

Timeline of Events : XX/XX/XXXX Signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX by JRK Property XXXX XXXX 

XX/XX/XXXX Experienced XXXX harassment from XXXX XXXX XXXX XXXX, leading to a heated exchange. Following this incident, XXXX XXXX XXXX XXXX XXXX agreed to release me from my lease effective XX/XX/XXXX. I was instructed to vacate within XXXX  days and was given a gag order, which was never countersigned. 

XX/XX/XXXX Sent the signed general release form to Vice President XXXX XXXX and XXXX Relations XXXX XXXX XXXX. No countersigned form was received. 

XX/XX/XXXX Moved out of the apartment. Despite XXXX requests for a walkthrough, no management appeared. I turned in my keys as instructed via email to the front office. 

XX/XX/XXXX Received a final move-out statement totaling {$1700.00} ( statement enclosed ). 

XX/XX/XXXX Emailed Property XXXX XXXX XXXX and XXXX Relations XXXX XXXX XXXX but was blocked from contacting them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX reported the debt of {$1700.00} on my credit report. 

XX/XX/XXXX Filed a complaint with the CFPB. 

XX/XX/XXXX XXXX XXXX XXXX XXXX responded. 

Despite adhering to all move-out procedures and hiring professional cleaners, I was billed for a deposit I had already paid, and additional charges for painting and pet treatments for a pet I never owned. I was also blocked from discussing or arranging payment. The charges appeared to be retaliatory and discriminatory, as evidenced by the altered photos provided by XXXX XXXX XXXX to justify the {$1800.00} in damages, which was reviewed and deemed incorrect by legal counsel and housing authorities. 

Moreover, the debt was reported on my credit report before any invoice or proper documentation was provided. XXXX XXXX XXXX submitted an estimate dated XX/XX/XXXX, XXXX my CFPB complaint was filed. This estimate came from a company in Oregon, while the apartment is in Texas. No valid proof of billing for the painting and cleaning was provided. 

Upon receiving the final notice, I notified both companies in writing within the XXXX period, disputing the debt and requesting validation. I was blocked from further communication, violating my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have engaged in deceptive and illegal practices that tarnish a consumer 's reputation. Their actions have caused undue financial and emotional distress. I request a thorough investigation into these violations and appropriate legal remedies.
Product: Payday loan, title loan, or personal loan

My vehicle was repossessed XX/XX/XXXX and sold at auction on XX/XX/XXXX for XXXX and minus all the fees of XXXX there was a surplus of XXXX owed back to me. XXXX gave me a check in amount of XXXX and stated there was XXXX in other fees the letter I received clearly shows how the math was incorrect and also Im wanting to know if all the fees they indicated were valid. There are multiple times I called to get this takes care of and they were extremely rude and made me cry with the mean things they told me. I asked to hear the recorded calls and they refused. please help me with this matter and company. Thank you.
Product: Credit card or prepaid card

Hi, Yes, we have a temporary financial situation. I made the decision about debts to close credit accounts to go on a long-term customer assistance plan. I talked to a Synchrony representative for over 2 hours. This was for my Amazon, Sams Club, and PayPal cards all with Synchrony. I have a Lowes card with them as well. I chose to keep that card. The representative I spoke with said that I could keep the card open with no changes. We even joked about me getting a new refrigerator in the next couple of years if everything goes ok. They sent me a notification, an online letter, that my account was closed. Of course, they did it based on other accounts. Not the Lowes account that wasn't late. So they lied to me about not closing the account, being able to keep it, no changes, and buying a refrigerator with it in a couple of years. I had a {$17000.00} credit limit. Only {$4500.00} was being used. It was on a promotion that was only {$50.00} a month. The Lowes card has promotions for 84 months for purchases over {$2500.00}. They knew that I wasn't going to use it to buy stuff and just run it up. What would I buy with a Lowes card if I'm having financial trouble? A hammer isn't going to help, and neither is a mailbox. I understand risk management. However, you create estoppel at risk when you promise but don't deliver. The estoppel prevents you from being dishonest about things of this nature. 

Synchrony already found an error from 2018 on my Sams Card that resulted in a {$200.00} refund. I wonder why they are auditing that far back? This shows a pattern of errors. On the cards I closed, they are still reporting me negatively to the credit bureau, and it's killing my credit ratio. Since they are closed, it's going to be over 100 %. 

On my Amazon account, I'm receiving advertisements for Prime Day with offers of higher rewards and financing from select items. It specifically lists " Your Amazon Prime Credit Account ending in XXXX. '' I also am unable to utilize Amazon 's subscription and save each month for 15 % off bulk purchases of items we buy regularly. You can use any payment for that. However, with the Amazon card, you receive an additional 5 % off. There are also additional promotions throughout the year. Due to them sending this to me, I would like them to reopen the account, and raise the credit limit back up to the {$10000.00}. I don't plan on buying anything but groceries and maybe some small items on Prime Day, but this card is normally paid off each month. I really did not want to close it, but I made that decision. Partly at Synchrony 's nudge. The only one they didn't say anything about was the Lowes card. Then they snuck in and close it. 

I'm fine with leaving the PayPal card closed. However, it's still showing up on my company 's XXXXayPal account. This needs to be removed. PayPal is not the only way to access the account. Plus, it does not look good for my business.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. XXXXXX/XX/XXXX acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX, XXXX, MD XXXX, XXXX ran a hard inquiry on my credit. I did not have knowledge or authorize the hard inquiry.
Product: Credit card or prepaid card

Hello, I have received a virtual mastercard via " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX of {$21.00}. Whenever I try to use this card on any kind of website/app for an amount less than {$21.00} the payment does not go through. When contacting the website/app support system I am told that the payment does not go through because the card reports that there is insufficient funds. On the XXXX XXXX XXXX portal is shows I have funds of {$21.00}. I have tried calling My XXXX XXXX 's support phone number but they do not have an agent. Only robot. The max I can do is report the card lost or stolen or get the balance. Thus, they do not have a support line. They have no published email. I have contacted XXXX as well who let me know to contact XXXX  XXXX XXXX.
Product: Checking or savings account

On XX/XX/2024 I deposited XXXX into a betting app called XXXX on a new card where I won XXXX dollars and I tried to cash out and they said to contact support so I did. And they said my account is being restricted and wont be able to cash out my funds and I tried asking them for my money back and no answer. They just told me to contact my bank I have proof of that too. And I contacted Wells Fargo making a claim saying XXXX didnt give my my goods and I just got a letter right now saying they will not return my XXXX dollars because I made the transaction. Even tho I never received anything so I got scammed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Product: Debt collection

Lockhart, Morris & MontgXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cease and Desist Request Dispute of Account Information Account Number : XXXX Dear Lockhart , Morris & Montgo, This letter is being sent to notify you formally under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease and desist all communication with me concerning the above-referenced account. 

Additionally, I dispute the validity of the debt associated with this account, reported as a {$960.00} balance with the original creditor listed as XXXX XXXX XXXX I demand that you validate this alleged debt as required by the FDCPA, 15 U.S.C. 1692g ( b ).

I am requesting the following : Validation of the Debt : Documentation proving I owe the debt. 
The original signed agreement or contract that substantiates this debt. 
A complete payment history, including details of the original amount and any charges or fees added. 
Immediate Correction of Reporting : Until this debt is validated, I request that you cease reporting this account to any credit reporting agencies. If you are unable to validate this debt, I demand its removal from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Cease Communication : From this point forward, all communication must be in writing and limited to providing validation documents. Do not contact me via phone or any other method. 
Failure to comply with my requests, including ceasing communication and providing proper validation, will result in complaints being filed with the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. 

Please respond within 30 days of receipt of this letter to confirm your compliance and provide the requested documentation. 

Sincerely,