23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1 ) Barclays took over a branded XX/XX/XXXX card from XXXX in XX/XX/XXXX 
2 ) For 3 years I used XX/XX/XXXX, and paid XX/XX/XXXX with 0 late pays or problems. In fact, I've had a credit history since XXXX, and never had a Late Pay on any card, loan, or obligation, and have an unblemished credit report in terms of never being late for > 35 years as a consumer. 
3 ) Barclays did a horrible job in conversion in verifying correct email address, apparently.

4 ) I have talked to 6 Barclays Reps since XX/XX/XXXX to try to resolve this issue. 
5 ) From all these conversations- this appears to be the facts : - Account conversions from XXXX to Barclays for XXXX cardholders took place XXXX, XXXX. 
- I was receiving emails from XXXX and Barclays in advance of conversion at XXXX. 
- Barclays did very little in terms of email validation. For instance, in setting up this CFPB comparing there is an email verification that takes place. Barclays did not do any email validation when I was asked to setup an account with Barclays. 
- It appears Barclays, even though they had my correct email initially from XXXX, allowed for a typo to result in account setup, or Barclays set up my email wrong. Email was set up as XXXX -- according to my phone conversation with a Barclays rep. 
- I use the card very little, so initially had a pay problem in fall, but rectified it before credit report was hit. Barclays did not ask for email verification at that time either. 
- My wife used card in XXXX, XXXX - unknowingly to me. The bills were not coming to me, as the Email address was wrong. 
- In XXXX, XXXX I was alerted by XXXX XXXX  of a 30 day late pay notice. I've never had one of these in 35 years of credit usage. 
- I immediately called Barclays, on XX/XX/XXXX - and paid the bill in full. I had not received the Any Bills from Barclays --- they said the email address was with the wrong two " ee 's '' in my name was valid, so they won't change the late pay notice on my credit report. 
My credit report dropped XXXX points with on bureau. 
- Everyone at Barclays agrees I had wrong email, it is corrected now. But, no one will go back and make a " technology error '' adjustment and remove the Late pay. They say I have to have it on my report for the next 7 years. 
- Now, I'm getting emotional because of writing this. After XX/XX/XXXX hours of conversations with 6 representatives, still no one will repair / correct this issue. 
- Barclays is taking now responsibility for poor conversion practices, that didn't validate emails, and not taking an consumer friendly approach to fixing a mistake. 
- The late pay was only {$400.00} by the way, and it was paid within one hour of me realizing there was an outstanding balance. My wife 's use of the card ( and me not knowing ), and her thinking it was on " auto pay '' are the additional details that explain the mistake. 
- I remain Shocked that no one at Barclays will be more reasonable to this, given the whole problem arose from an Account conversion without adequate controls in place to avoid an accidental typo that occurred.
Product: Money transfer, virtual currency, or money service

My account appeared to be frozen on or around XX/XX/XXXX which I notieced when trying to pay for a purchase with XXXX. XXXX said the payment was denied. I then noticed in my email that the payment went through although the account was still listed as frozen. I called Venmo on the XXXX to ask why. They said they sent me an email notification but I have searched my mail and could not locate such a notification. I submitted a request/complaint in writing on the XXXX and called customer service. They said their account review specialist would respond to the concern within XXXX  days. That seems unreasonably long to tie up someone's money. I then called and submitted another request/complaint in writing on XXXX and upleveled the concern to a customer service supv who said again the review specialist would respond within XXXX  days - only this time, he tells me that it was NOT submitted for review until XX/XX/XXXX when I called- not when they froze the account. Something is not right here.
Product: Credit card or prepaid card

In XX/XX/2017 I purchases a XXXX  laptop computer from the XXXX XXXX XXXX ( XXXX  ) for approximately {$420.00}. The item was being broadcasted on the XXXX XXXX. It offered a 12 month no interest with payments option which I ordered online on the XXXX site, clicked the 12 month promotional financing. I'm set up on auto billing that comes out of my checking account but in XX/XX/XXXX I noticed that I was being charged interest ( about {$8.00} each month ) when the promo was to be interest free. I immediately contacted XXXX XXXX  ( the company that underwrites the XXXX credit card ). They said that they would put my account into dispute and I checked back with them twice, it took nearly 60 days and they responded back to me via email stating that there was never any no interest promotion offered for the computer that I had purchased. To make this short, we communicated back and forth via email 2 or 3 times and they said that I should call them to discuss. To be honest I've spent many hours dealing with this so I decided to just pay off the entire balance of the card and I cut up the card and sent it back with my request to close the account. I went onto a website and published my story and after I checked there was a complaint right before mine with basically the exact same situation. I've paid this account off but I would like people to know that XXXX XXXX   doesn't follow through with promotional financing that is offered to XXXX  customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to respond to my letter properly
Product: Debt collection

On XX/XX/2021 I was checking my consumer credit file and noticed an account from ACCELERATED RECIEVABLE for the amount of {$68.00}, I never recievd proper documents from this company. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over 125,000 in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, Equifax, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Product: Money transfer, virtual currency, or money service

To whom it may concern on Friday XX/XX/XXXX I picked up a check from a company that I do XXXX  work. It was for XXXX dollars. I went to servifirst bank to cash the check and pay my XXXX as I have done every Friday for almost 2 years. I was not on the jobsite for the week of the XX/XX/XXXX through the XXXX due to being at home XXXX with XXXX. On Friday XX/XX/XXXX when it was time for me to pick up my payroll check to pay my subs from the company I have been doing work for, I was informed that they received a call form XXXX at that back and I had left with an extra XXXX dollars and that if I did not go into the bank and pay the XXXX back that day that I would be arrested and that other bank employees would lose their jobs. The called the company that I worked for and told them that I had knowingly left with the money. I counted my money twice and even though the teller had given me an extra XXXX you clearly see me push the money back over to him and tell him there was too much money. I left the bank with the exact amount of the check that had been written to me by peridiso minus the XXXX  dollar check cashing fee. When I went into the bank on the XXXX they told me that I could only see partial footage and for anything more I would need a suponea but they let the companys owner I sub for be present. I along with XXXX of my employees are now out of a job due to this. Please tell me how I can get this resolved and get my money back.
Product: Student loan

I co-signed a loan for my sister for her student loan. These last two months she became behind and I wasnt notified once about this situation. I didnt receive a statement, a phone call or an email claiming this account was past due. I also called mountain America about two weeks ago and was told I have no rights to this account and Im not allowed any information. The only thing they would do is take a payment. But I wasnt able to get an amount due or when its due.
Product: Debt collection

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter is a formal request for debt verification in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that Security Credit Services , LLC claims I owe, and I am asserting my right to demand comprehensive validation of this debt. 

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you can provide verifiable documentation that substantiates this debt and proves that Security Credit Services , LLC is legally entitled to collect it. As ruled in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), a debt collectors obligations under the FDCPA are clear : any alleged debt must be verified with specific documentation, not merely alleged or referenced. 

Verification Requirements : I am requesting the following information as part of the verification process : Proof of Original Creditor : A copy of the agreement or contract with the original creditor that establishes the basis for the alleged debt, along with any supporting documentation of the debts origin and chain of ownership. 
Evidence of Legal Authority : Documents confirming that Security Credit Services , LLC has the legal right to collect on the alleged debt, including any contracts or assignments authorizing this collection. 
Account and Payment History : An itemized statement reflecting the full amount claimed, any fees or interest charged, and the calculation of the total alleged debt. 
If Security Credit Services , LLC fails to provide the required verification within the legally mandated period, I will consider the debt invalid, and all collection activities must cease. As clarified in XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), debt collectors are prohibited from pursuing collection efforts or reporting debts to credit agencies without first establishing validity. 

Notice of Further Action : If the requested verification is not provided, or if there are further collection attempts without proper validation, I will pursue all available remedies to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, any negative information reported to credit bureaus will be considered a violation of the FDCPA and subject to legal action. 

Sincerely, XXXX XXXX
Product: Debt collection

I had some financial difficulties last year and a personal loan went to a debt collector called XXXX, XXXX, & XXXX in XX/XX/XXXX. I would like to report the unethical and criminal activities of this debt collector for incorrectly charging late fees when my account was paid in advance for a full year, for charging legal fees during an accelerated collection process that was done for the sole purpose of them extrapolating additional funds from me because my account was paid in advance and garnishment of my bank account several weeks after the entire debt had been paid in full. 

The debt collector failed to maintain accurate records : The debt collector took over my debt of {$3500.00} in XX/XX/XXXXXXXX  and requested $ XXXX to resolve the debt. I made a {$1500.00} payment to Bleecker, Brodey, & Andrews on XX/XX/XXXX. And yet, their office refused to credit the funds to my loan account for 3 months. Please see their letter from XX/XX/XXXXXXXX  attached. 

I made an additional {$500.00} payment to Bleecker, Brodey, & Andrews in XX/XX/XXXX. At this point, my account was paid in advance for an entire year. 

The debt collector failed to exercise due diligence in presenting accurate information to the court : Bleecker, Brodey and Andrews filed a court order on XX/XX/XXXXXXXX  for the full amount of the personal loan in the amount of {$3500.00} despite the fact that I had made a {$1500.00} payment on XX/XX/XXXX. ( More than 30 days prior to the hearing. ) The debt collector has aggressively pursued collection that is not in keeping with the spirit of the law : Despite having paid a year in advance, Bleecker, Brodey, & Andrews accelerated the debt collection process and sought relief in the form of a garnishment. They charged attorney fees, late fees, judgement costs, additional interest and garnishment costs to my account. I issued payment in full for the remainder of my account PLUS these additional expenses in the amount of {$2700.00} on XX/XX/XXXX. 

The debt collector failed to act in good faith : While Bleecker, Brodey and Andrews acknowledged that my account had a {$0.00} balance, they failed to resend the garnishment order. Please see their letter from XX/XX/XXXXXXXX  attached. On XX/XX/XXXXXXXX  my bank received the garnishment order and seized all the funds in my bank account. The bank charged a {$150.00} garnishment fee to process this request. This caused my personal payments for my auto insurance and electric bills to bounce. It also left me with NO funds to feed my family. 

I dont understand why they are doing this to me and my family. When I called their office yesterday, I spoke to XXXX who advised it will take them approximately 2 weeks to resolve this matter. This is simply unacceptable. They are abusing their power and taking advantage of financially disadvantaged people. I respectfully request that you open an investigation into their actions and billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a factual dispute directly to Suntrust Bank. The address shows on my credit report, but yet can not be disputed. That is a violation of my FCRA rights section 623 disputing directly with the furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem XXXX Call Chexsystem to ask about someone try to unfreeze the Chexsystem Report and try to request the new PIN for security freeze service because I received the letter regarding security alert date XX/XX/2020 and XX/XX/2020 Representative explain that they received the request for the new PIN but the request did not process because the address was difference. 

After that I request them to update the correct address, Email and telephone number on the report. And they will summit the claim that I didnt request for the new PIN as well. 
They said they will send the letter confirm about the action. 

XXXX Call Chexsystem to follow up the action. But the representative said my request to update the correct address, Email and telephone number. It can not process because I have Security Alert on my report. And the current address that they have on file is not the same that I provided. 

I immediately explain to them that I NEVER put the Security Alert on the report. 

They request me to fax ( XXXX ) the letter explain that I never request for the Security Alert to be able to update the correct address, Email and telephone number.
Product: Credit reporting

I found XXXX tax liens on my credit report filed XXXX stating that I owe XXXX for the year 2010 based solely on the fact that I had a XXXX XXXX license. According to the XXXX the average licensees paid {$3900.00} in state income tax, so they figured I owe them {$3900.00} in back taxes. I moved out of XXXX in XX/XX/XXXX, so I was n't a resident of XXXX in the tax year XX/XX/XXXX. I did n't have any XXXX transactions XX/XX/XXXX. The department XXXX indicates XX/XX/XXXX that my license is issued in non-working status and may not perform licensed activities. The XXXX filed XXXX tax liens in XXXX XXXX and XXXX XXXX that should n't be there in the XXXX place. I will attch copy of my passport ( I left XXXX in XX/XX/XXXX and moved to XXXX XXXX I have not been a XXXX resident since XX/XX/XXXX ) and IRS transcript showing that I had no income XXXX XX/XX/XXXX. Also a copy of my XXXX license showing my license status. I started looking for a job since I moved XXXX, with this false credit report/public record, it makes it really hard if not impossible for me to find a decent job. I do n't know what I should do at this point. Any advice would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since 2019 on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXX. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611. XXXX and XXXX  are reporting different information, one shows the account has been sold to IQ Data and another shows its has not been sold. In one of the attached photos you will see That Monarch is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.
Product: Debt collection

I just recently learned that there's a judgment on me since XX/XX/XXXX from MBNA in the amount of {$16000.00}. Which now carried over to a debt collector and the amount now exceeds XXXX XXXX 
I NEVER opened an account with MBNA and it seems it's an account that was opened by my ex-wife XXXX XXXX XXXX without my knowledge. 
She probably had used my information since she didn't have much credit back then and I strongly believe I am a victim of an identity theft. 
The debt collector started to put levy on my checking account for the debt I had nothing to do with and it is strongly affecting feeding my 4 kids. 
The account is on hold for certain amount until XX/XX/XXXX at the moment and the hold amount keep on increasing as more money is getting deposited.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX XXXX in XXXX of XXXX. It took a bit longer in paying off the vehicle. The principle was Satisfied XXXX of XXXX with Regional Acceptance Corporation the finance company. XXXX XXXX hurricane Ian happened the car was destroyed. I've been trying to get them to wave the excess fees because the principle is paid. They are ruining my credit predatory with this loan. I even asked to eork a deal out or settlement. They aren't willing, to comply. I lost everything including all my other possessions my home. I've asked for my principle satisfaction and they won't provide it to me. XXXX has never given any money for the vehicle. Insurance nothing. I've shown proof of loss yet they aren't willing to comply or settle with me.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"