23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been hounded by XXXX of XXXX, XXXX whom I revoked permission to supply XXXX supplies in XXXX. 

I received a collection notice from XXXX XXXX in XXXX, XXXX for a XXXX XXXX, XXXX shipment of supplies I never received. The debt verification statement contained information violating my HIPAA rights. A follow up letter of XXXX XXXX, XXXX contained my demand for proper verification, which XXXX did not respond to since they were unable to verify my receipt of the items. 

I now received a collection notice from Tri-State Adjustments of XXXX, WI. for items supposedly sent on XXXX/XXXX/XXXX. I responded to Tri-State advising them of the XXXX attempted collection and included a copy of my letter to XXXX stating what proper verification would be. 

What I received back, was a bare statement from XXXX XXXX XXXX. No information of how the items were sent or proof of receipt of the items. 

What the statement from XXXX XXXX XXXX does show is a shipment on XXXX/XXXX/XXXX to an address that I moved from on XXXX/XXXX/XXXX. 

Not only is XXXX, XXXX and Tri-State harassing me for items not received, items XXXX was advised to no longer provide but items they sent to an incorrect address. 

These items were not received and XXXX XXXX XXXX will not even provide shipping details with receipt of delivery. If these items were sent via uninsured or via non trackable means, failure to deliver does not make me responsible for the cost of the items. Had they been properly sent, perhaps they would have been advised that I no longer lived at the address to where the items were sent. 

In addition, the debt was reported to the CRA 's prior to any notice being provided to me.
Product: Credit card

I am writing to bring to your attention an error that occurred with my Amazon Store Card account, which has adversely affected my credit score. I believe that this error was the result of a mistake made by Synchrony Bank, the issuer of my Amazon Store Card. 

On2024, I discovered that my Amazon Store Card account had been charged incorrectly, resulting in a decrease of XXXX points in my credit score. The wrong balance and there were many missed payments on my account because of it.vUpon realizing this discrepancy, I promptly contacted Synchrony Bank 's customer service department to rectify the issue. After discussing the matter with their representative, it was acknowledged that an error had indeed occurred, and I was provided with an apology letter from Synchrony Bank. 

Despite the correction of the error by Synchrony Bank and the issuance of an apology letter, my credit score has yet to be restored to its previous level. The incorrect charge amounted to {$180.00}, and while I appreciate Synchrony Bank 's efforts to address the mistake, the impact on my credit score remains unresolved. 

As a responsible consumer, I strive to maintain a good credit history and ensure the accuracy of my credit report. Therefore, I kindly request that you investigate this matter further and take the necessary steps to increase my credit score to reflect the correction made by Synchrony Bank. 

Enclosed with this letter are copies of the apology letter provided by Synchrony Bank, as well as any other relevant documentation pertaining to this issue. I trust that you will give this matter your prompt attention and provide me with a timely resolution. 

Thank you for your assistance in this matter. I look forward to your response.
Product: Checking or savings account

Double charged for a cell phone Payment I made on XX/XX/2019. 
Payment Charged -- -Fraudently -Again in my bank checking Account on XX/XX/2019. Contacted the cell phone company they said they only see one charge being made which is XX/XX/2019 Where is the Fraud Comming from? 

Why is a Second Cell phone payment in the Amount of {$30.00} Dollars being deducted in my bank account again Which I did not Authorized. 
Also my debt card and bank account Has no Automatic payments Authorized
Product: Student loan

I consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.
Product: Debt collection

I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.
Product: Payday loan, title loan, personal loan, or advance loan

My loan was supposed to be charged off. They were litigated against and I received a settlement check. But they are still coming after me for the loan.
Product: Mortgage

I received an email from one of the lenders I 've been considering. It said ( among other things ), " The next step in the process is for you to Esign your Initial Loan Disclosures. I have also attached a pdf format for you, that way if you want you can print and sign them and then send them back to XXXX and I. '' The PDF that they attached contained sensitive personal information, like my SSN and financial history. However, the PDF was not encrypted. I 'm concerned that this lender is regularly transmitting such sensitive information in a careless way, not taking the appropriate steps to keep their client 's personal information secure. 

I responded with my concerns, quoting guidance provided on the FTC 's website ( https : //www.ftc.gov/tips-advice/business-center/guidance/financial-institutions-customer-information-complying ) regarding transmitting information over email. A colleague of the original sender responded to me with, " XXXX should be sending these documents Encrypted. We have a system in place for this. We will make sure he does this starting Now. ''
Product: Credit reporting or other personal consumer reports

I am unable to login and access manage credit freezes. I have tried numerous times to login and I have called at least a dozen times. I answer all the security questions, however when the prompts get to the portion asking if you opened credit, you have 5 options or none of the above. Each time I call, I'm unable to make a choice of 1-4 or none of the above. The call is a continuous loop.

I should be able to login and manage my credit freezes whenever I need them. The online and phone ability to contact the company is essentially broken. I need to unfreeze for a short period.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account makes as an accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent my daughter whos in XXXX in XXXX AL studying for her XXXX XXXX {$300.00}. 

I later learned that I sent the money to an old cash app ID ( $ XXXX ) which she closed and created another cash app ID of, ( $ XXXX ). 

I called cash app to get them to refund the money back to my account or forward the money to my daughter new cash app ID. 

After being on the phone for approximately 45 minutes, I was told that My daughter had to call to have the money transferred. 

My daughter called while I was on the phone. She provided them with security information that allowed them to see her account as well as I provided them with my credentials. 

They asked her for the credit card that was associated with the old account and my daughter replied that its been almost 2 years sense she bank with that bank and therefore doesn't have or no the card number because she shredded the card when she closed the bank account. 

I then stated that they just admitted that the money is still sitting in the old cash app ID account and they confirmed it was sent from me. 

They then stated that they can't refund my money or transfer it to my daughters account without the debit card that was associated with the old account. 

I reiterated that she don't know and that she even called the bank and they can only provide the last 4 digits of the card because that all they are allowed to see for security reasons. 

I asked them why can't she give you the last 4 digits like the bank and they responded that its there policy that they need the entire card number. 

I then asked what will happen with my money and they responded, they are going to keep it and of course I went ballistic. 

The CEO of cash app is XXXX XXXX. 

I tried googling a number for the cooperate office and only get numbers to there customer service line. 

I then asked them to provide me with a contact number for cash app customer service and they said they can't because of company policy. 

Please file a complaint on my behalf. 

Sincerely XXXX or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX account with auto pay and my final payment was XXXX. It did not clear my account. I noticed it when I was reconciling my checking account. I went on line and scheduled it again that day. I notified them and emailed them about the problem. I was told that they refunded the late fee and it was not reported to the Credit reporting agencies. I called them to question it and they said we do not offer goodwill reversals, they said just dispute it. I made may double payments and paid the account off before 42 month no interest terms. It was paid 28 months in full. I was only past due {$4.00} because of advanced payments made and I received no secondary notice or email notification that the draft scheduled on due date did not clear the account. I have never been late or reported to the Bureau. I would also not pay an account off in 28 months early and jeopardize my credit for XXXX bucks. 

I attached a copy of the email showing that when I contacted XXXX that autopay was still on and they canceled it as of XX/XX/XXXX. Yet they did not draft the final payment as they have done since I had the loan. This is out of my control if a companies system does not properly execute their auto-pay feature and draft my checking on the due date. 
I provided the document showing that on XX/XX/XXXX when I caught the error ( no payment drafted ), that they did have autopay still on the account and she canceled it on XX/XX/XXXX. Why was no final payment drafted on this loan? How is this My fault? I paid them every month by auto-pay and they need to review and reverse this 30 day over due payment report. It is there error, not mine.
Product: Payday loan, title loan, personal loan, or advance loan

We had purchased a vehicle on XX/XX/XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX used cars in XXXX, wv using credit acceptance corporation to finance it with a 30 day warranty for the amount of {$5300.00} and a {$1500.00} down payment and a monthly payment of {$240.00}. We were told the car had been looked over with no previous accidents or any issues at time of sale after 3 days of having the car, the engine light came on and was diagnosed as then engine needing rebuilt do to burning oil ( a known problem with this engine/vehicle ) the dealership didnt tell us about we have called the dealership many times and they will not help us, we have also called the loan company and they have told us that we can go to another dealership and trade the vehicle in and go under a new loan with them but they are now refusing this, the vehicle has become very unsafe and unreliable as we have 3 children and drive a lot ( work, doctors, ect ). On XX/XX/XXXX we were impacted by the hurricane and had some financial issues repairing our home so we couldnt exactly make they payment so we had contacted credit acceptance and made and agreement to suspend that month and tag it to the end and they agreed, 4 days later they called back and said they no longer stand by that agreement. Long story short we have a car that is ready to blow up at any time and they will not give us our money back or help us get a new one. Someone please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian letting them know i discovered on XX/XX/XXXX there was a fraudulent account listed on my credit report. I sent a detail letter including .A copy of my Identity Theft Report and proof of my identity. Which is all that is required Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I received notification today XX/XX/XXXX. Which is more than 30 days that the information i disputed was either deleted or not displaying on my credit report. Upon checking the information was removed then reinserted with no notification from Experian. According to the FCRA it Consumer reporting Agencies have assumed a vital role and have responsibilities to report consumer information with MAXIMUM Accuracy which they have failed to do so. The data furnisher of this account ( XXXX XXXX ) stated this has not been verified as accurate by them and actually has been noted as fraudulent. They advised me to contact Experian, XXXX, XXXX, This account is only reporting on Experian which my reports from today and dispute results do not even match which confirms they are Willfully negligent in the matter. I have lost over 40 points and have been denied an extension of credit due to this inaccurate information being reported on my credit profile. I need this account removed immediately and i will be seeking damages for the violations.
Product: Debt collection

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, XXXX XXXX XXXX XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at ABSOLUTE RESOLUTIONS INV on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. ACCOUNT IS FRAUDULENT AND " COMPANY '' IS NOT ON XXXX OR LISTED WITH THE SEC, DOES NOT HAVE XXXX WET INK SIGNATURES OR PROOF OF ORIGINAL PROMISSORY NOTE. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Credit Acceptance threatened with repossession of vehicle after not properly documented payment payment arrangement. Customer Service representatives use tactics to mislead and violate consumer rights under the debt collection act.

I made a payment arrangement that was inputted by the customer service representative when I checked account on line I discovered incorrect information, action was taken by calling Credit Acceptance Corp and the representative lied mislead and threatened with repossession. This predatory lender also did a bait and switch when the car was purchased and did not disclose the vehicle had after market parts. Overall I have spent a large amount of money to maintain the vehicle which I was forced to purchase because of the approval process with the loan company and car dealership. At this point the vehicle has cost double what I intended to spend in the long term and now I am in fear of loosing my vehicle and damage to my credit profile.
Product: Credit reporting or other personal consumer reports

I C System INC account # XXXX I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] High Balance : {$14000.00} Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified.

Incomplete Information : Certain details are missing or inconsistent across different credit bureaus.

Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$14000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 

Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally submit a complaint against XXXX XXXX XXXX and XXXX XXXX regarding their failure to provide proper debt verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Background XXXX, XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Alleged Debt Amount : {$360.00} I contacted XXXX  to request verification of the alleged debt. I specifically requested documentation including a full account history, the original creditor agreement, proof of assignment, proof of my liability, and any credit bureau reporting related to this account. Despite my explicit request, I have yet to receive the necessary verification. 

XXXX XXXX XXXX 

Address : XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Alleged Debt Amount : {$360.00} I also contacted XXXX  to dispute the validity of the alleged debt they claim I owe. Similar to my request to XXXX, I asked for detailed verification of the debt, including the account history and proof of assignment. I made it clear that until I received this documentation, I demanded that they cease all collection efforts. However, I have not received any response from XXXX. 

Nature of Complaint Both XXXX  and XXXX  have failed to comply with my requests for verification, which is a violation of my rights under the FDCPA. Their lack of response and failure to provide proper documentation leaves me with no assurance that the alleged debts are valid or that they have the legal authority to collect on them. 

Desired Outcome I request that the CFPB investigate the practices of both XXXX and XXXX. I seek enforcement of the FDCPA to ensure that these companies are held accountable for their failure to provide verification of the alleged debts. Additionally, I would like them to be reminded of their obligations under federal law to cease collection efforts until they can validate the debts they claim I owe. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation of my complaint. 

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

Regarding Capital One account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention to this matter.
Product: Checking or savings account

To quicky explain, I went to Wells Fargo to apply for a credit card and they denied Me. For their own reasons I have been financially cast aside and lost at sea, dealing with Wells Fargo as a banking institution. Their practices have proven to be discriminatory toward their indigenous abOriginal American customers, I see.