23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX what I had thought was " payment in full '', for hearing aids, was sent to the lender, XXXX XXXX XXXX. The amount for the " payment in full '' was received from the lender via a telphone conversation. The lender had no problem depositing the payment. The next correspondance from XXXX received XX/XX/XXXX in the form of a delinquent account notice of {$750.00}. At no time between the time the " payment in full '' was made in XX/XX/XXXX and receipt of the delinquent account notice did I receive any correspondance from XXXX. I called the company 's customer service department on XX/XX/XXXX to dispute this notice. I was informed that the loan had not been paid in full, that an outstanding amount of {$16.00} was still owed. It is unclear if XXXX cited the incorrect amount due of if the mistake was on my end. That {$16.00} difference continued to build finance charges and ultimately late charges totalling {$750.00} as of XX/XX/XXXX ( date of delinquency notice ). Not once throughout XXXX did I receive any notice of continued finance charges. Since my telephone conversation, of XX/XX/XXXX, with the lender, I have received a copy of my original contract and a voice message to contact XXXX if I had further questions. I returned the call, but never received a response from the lender to help solve this issue. I am more than willing to pay the {$16.00} owed. However, the additional charges, in my opinion, are unfair and uncalled for - not to mention immoral - especially in the light of lack of communication throughout XXXX on the part of XXXX XXXX XXXX. Consumers seem to be at the mercy of such unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignored my written letter to remove XXXX XXXX XXXX from my report. XXXX  repeatedly overstates the debt, failed to verify the account, and refuses to process dispute information. Equifax ignored my letter to correct this information.
Product: Credit card

The order was cancelled and the merchant has not delivered any goods. The contract clearly states that the merchant has to refund deposit in the event of a material breach of the contract by the seller. The merchant can not deliver to me the product I thought I was buying and that is a material breach of the contract. I have provided copy of the contract and I have provided the screenshot confirmation that the merchant is not going to deliver anything to me and the order was cancelled, however, Synchrony Bank still siding with the merchant. What do you call when you were provided no service and given no merchandise, but they took your money? You call them thieves. So XXXX XXXX are thieves just by pure definition of their actions! Synchrony Bank protecting thieves instead of protecting me from those thieves per our credit card agreement.
Product: Debt collection

Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. 

These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.
Product: Credit reporting or other personal consumer reports

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, Equifax, and XXXX ) of the corrected account status and provide written confirmation of the investigation and results.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I made a payment in the amount of {$170.00} to my auto lender XXXX via Cashapp. XXXX claims they have not received this payment. I contacted Cashapp support on XX/XX/2023, to provide a proof of payment for the lender & was given a report showing this transaction. On XX/XX/2023, I filed a dispute with Cashapp support requesting their assistance with tracking the funds that they show being paid on XX/XX/2023, but XXXX claim was never received. 

The document from Cashapp clearly shows the funds were released from my account & sent to XXXX. My dispute was denied on XX/XX/2023 stating ; " We reviewed your dispute with XXXX XXXX XXXX XXXX for {$170.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute '. 

They do not specify what 'details provided ' is referring to. The document I submitted was the proof of payment to XXXX provided to me by their own support team. If XXXX never received this payment & Cashapp shows the funds were released, who is responsible for tracking this transaction to return the funds to my account? Cashapp is insured by FDIC.
Product: Credit card

For the third year in a row I have not received a check for rewards from Sam 's Club Rewards credit card. Amounts due are always on statement, that 's how I know I have cash amount due. Each year they say they sent it with my statement. Previous years they sent a new check. This year ( XXXX/XXXX/2016 ) I was told by a representative that they no longer issue replacement checks. They stated they would credit my account and did not give a time frame. I called back ( XXXX/XXXX/16 ) and was told 30 days for a refund that was due in cash, but is now a credit. I am writing as i imagine there may be other complaints, as this is not the first time Sam 's Club has not kept up their end of the bargain, as a few years ago I had restitution for early hours not being honored. I do n't expect anything more to come of this but awareness and timely, accurate retrieval of funds owed, and accurate information from phone calls. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( s ) XXXX XXXX account XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX and XXXXXXXX XXXX XXXX Account ( s ) XXXX and XXXX XXXX XXXX Account ( s ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX for egregious violations of my consumer rights under federal regulationsXXXX XXXX XXXX XXXX has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, XXXX XXXX XXXX  has proceeded to report this collection account, thus infringing upon my rights under federal regulations.

Furthermore, XXXX XXXX XXXX has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates XXXX XXXX XXXX XXXX blatant disregard for fair and transparent practices.

I assert that XXXX XXXX XXXX is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to XXXX XXXX XXXX, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

As per my rights under the law, I demand that XXXX XXXX XXXX provide validation of the debt, including the purchase agreement between XXXX XXXX XXXX and the original creditor. Furthermore, I request immediate proof of XXXX XXXX XXXX XXXX licensing and bonding, as mandated by law.

Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps XXXX XXXX XXXX will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX  and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... XXXX, XXXX, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I opened a credit card with XXXX XXXX XXXX ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and XXXX XXXX XXXX had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail XXXX would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called XXXX and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with Equifax and XXXX. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that XXXX is telling me to contact the credit bureaus but then the bureaus are telling me to contact XXXX to resolve this! 

My dispute date with Equifax is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with XXXX is XXXX.
Product: Vehicle loan or lease

I have made all payments on time since I leased the vehicle in  XX/XX/XXXX . I made a payment in  XX/XX/XXXX  that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of  XX/XX/XXXX  no payment is credited to my acccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. The information on my profile is not correct, when Creditors pull my credit report they see this as high risk. I have multiple addresses, multiple names, and employers on my report. All which is in error and lets creditors know I am not stable, can not keep a job, or using different names. This is definitely harming me with attaining a background check at my job also, getting new opportunities with new credit.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

the origional debtor XXXX never sent me a security deposit back or a itimized list of charges or a bill or anything. After several calls and email attempts to find out where my deposit was or list of charges was I received no response. My deposit was 2 months rent XXXX dollars. A few month later I receive a collection bill from Hunter Warfield for like XXXX dollars. I called them and went asked them for a itimized list of what they were saying I owed the same I did for XXXX. They refused to send me anything. At this point Hunter Warfield was calling me 4 to 5 times per day. I finally had to change my number just so the calls would stop. So being an uniformed consumer and not really knowing anything to do or having the means to pay for help I had to accept the collection on my credit. As of recently I was trying to get approved for a loan and low and behold this collection account was an issue because of a dispute comment on the credit report. I talked with XXXX and they said the data provider, Hunter Warfield had to remove this comment. Nervous about this, I reluctantly called Hunter Warfield to get them to remove the comment. The person I spoke with laughed at me and the proceeded to ask me what I was trying to buy. I was very offended by this. He said that he would not remove the comment, he said even if I paid the collection off he would not remove the comment. Again my request for detailed explanation of the debt in writing was denied. So now I can not get the loan I needed because they would not remove a comment from my credit report that was not accurate and worse of all they started to harass me on my work number now. Which I never gave them permission to call or the number for. The guy I spoke with was completely trying to bully me to pay him money that I can not even get a validation for. I have already talked to several lawyers and I know I have a strong case. I just wanted to try to resolve this before litigation. I orgionally moved out of the rental over 2 years ago
Product: Credit card or prepaid card

I had fraud charges on my account and when I reached out to capital one they did an investigation and found I was telling the truth. The next step they wanted me to verify my identity which was extremely difficult how they have it set up. They would send me a text link that would never work, then email which I completed the task of sending my id but still I wasnt able to use my card. For 4 months this went on and I emailed my id to them, I faxed my id, I did everything I could but was being punished because there sites werent working. I have struggled with covid 19 and I received no help from this credit card company. They charged me interest plus late fees and I wasnt able to use my card. Why wouldnt they waive some of those fees because I had no idea about the charges in the first place. I couldnt log into my account due to phone number change and fraud but they expected me just to know they were still charging me? And now they wont let me use my account until I pay all the fees in full. This pandemic is still affect me and my family greatly and I received no help from capital one.
Product: Credit card

I had switched banks, when I made XXXX payments I did not realize my old account was still attached so the payments were returned. When they were returned I paid the NSF and made new payments both times, since this happened they closed my account. I pay {$500.00} to them every month without failure and by them closing this account I have lost the credit history and it has negatively affected my XXXX XXXX. I have spoken to numerous people and they could care less.
Product: Checking or savings account

My XXXX used HSA Bank as part of my HSA contributions for health insurance purposes. Eventually, my XXXX switched to another provider : XXXX XXXX which I currently contribute to. 

Initially, I was keeping both accounts open. However, HSA Bank : ( 1 ) will not allow me to access my account ; ( 2 ) my HSA Bank funds have been declined for medical purchases ; and ( 3 ) HSA Bank charges me a dormancy / non-contribution fee. 

Therefore, to rectify the situation : ( 1 ) On XX/XX/year>, I requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 2 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 3 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 4 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 5 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 

As of this date, my funds have not been transferred. HSA Bank has offered me apologies and said it will be done, but have failed to do so. They have provided me no reason as to why it has not been completed. 

I suspect they are benefiting by continuously charging me a dormancy fee. However, I am unable to check my account online or remedy the situation in any way. All I want is for them to transfer my funds to XXXX XXXX and to close my account with HSA Bank. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is false and misleading debt. I never attended XXXX University in 2018. And any from a university was paid from financial aid. Failure to remove debt, will result in a law suit. 

Company name is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely shocked when I checked my credit report this morning and saw accounts I dont recognize. I look at my credit report regularly, and this is the first time Ive seen these discrepancies. I tried refreshing the page, thinking it might just be a browser error, but nothing changed. Its really worrying, and Im asking for a thorough review of the documents Ive provided so I never have to deal with this stress again.
Product: Debt collection

Dear XXXX, I previously wrote to you on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) and on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) requesting verification of your claim, by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account, and also confirmation of the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

This verification is required to validate your claim, so that I may settle any financial obligation I might lawfully owe. As you have failed to provide the documentation within the ten ( 10 ) days requested in my last correspondence, we are now in agreement to ; and have a lawfully binding tacit agreement comprising, the following terms : That you are a third party interloper ; That you have no legal standing ; That you have no first-hand knowledge of this matter ; That your claim is fraudulent ; That any damages I suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule ( 3X what they are claiming ) for dishonoring our agreement, XXXX per hour or part of it of Authorized Representatives time nunc pro tunc, XXXX per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is XXXX per item payable in advance, place the check in the envelope, if no payment is made in advance the fee will rise to XXXX per item and you will also be held culpable for any cost incurred while recovering the debt you owe. 
Yours sincerely,