23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX 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  Subject : Request for Debt Validation Account No. XXXX Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt associated with the account number XXXX, as reported on my XXXX credit report dated today. I have identified several discrepancies and errors related to this account that necessitate further clarification. 

Errors Identified : 1. Original Creditor Information : The original creditor is listed as Synchrony Bank, but I have no record of this account.

2. Balance Discrepancy : The balance reported as {$1100.00} does not align with my records. I request a detailed breakdown of this amount.

3. Payment History : The reported payment history appears inaccurate, and I would like to see a complete payment history for this account.

4. Disputed Account Status : The report indicates that the account information is disputed, which requires further review and validation.

5. Additional Reference : 15c 1692 g - This refers to the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692g, which requires debt collectors to provide a validation notice to consumers. This notice must include the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt.

According to the FDCPA, I have the right to request validation of any debt. I am requesting that you provide the following information : 1. A copy of the original signed contract or agreement with Synchrony Bank showing my responsibility for this debt.

2. A detailed statement of the amount owed, including any fees or charges applied.

3. Documentation of the payment history for this account.

4. Verification that you are legally authorized to collect this debt.

Given the errors found in this report, I also believe that I am entitled to compensation of {$1000.00} for each identified error, totaling {$4000.00}. Please include a response to this request along with any supporting documentation within XXXX days, as required by law. 

Furthermore, until this matter is resolved, I request that you cease all collection activities on this account, including reporting to credit bureaus, until proper validation has been provided. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Consumer Loan

I took out XXXX separate loans through Citizens One Bank in XXXX, XXXX as part of XXXX 's iPhone Upgrade Program. As part of the program I am required to submit banking or credit card information for automatic monthly withdrawals of the payments. I was incorrectly charged twice for my first scheduled monthly payment for XXXX loans on XX/XX/XXXX. I contacted Citizens One immediately to get this corrected and was promised a prompt refund but did not receive one until XX/XX/XXXX. Once the refund was issued my account was immediately and incorrectly labeled as " Past Due ''. I again contacted Citizens One on XX/XX/XXXX and was told that they were having issues with their computer system and my account was not, in fact, past due. I was then charged one payment for each loan on XX/XX/XXXX and XXXX additional loan payments for each loan on XX/XX/XXXX. One of the three XX/XX/XXXX payments for each loan was credited back to me on XX/XX/XXXX which meant that I was still owed a refund on one payment for each of my XXXX loans. I again contacted Citizens One to get this corrected and asked to speak to a supervisor. After close to an hour on the phone I was told that a supervisor would call me back that day. After three days I still did not receive a return call so I contacted Citizens One again. I again explained to the representative what had happened and sat on hold for more than 45 minutes while they attempted to figure out what happened. I was told that a case file was opened and an " XXXX Loan Specialist '' named XXXX ( extension XXXX ) would be contacting me. Days passed with no contact so I called XXXX and left a message. Once again, days passed with no returned call so I called and left another message with XXXX but still could not receive a returned call. After another day or two I called back and finally was able to get XXXX on the phone. We went over everything from day one again and he assured me that my refund would be issued promptly and this would be corrected moving forward. The refund I was owed was sent on XX/XX/XXXX. However, as with the refund that was issued on XX/XX/XXXX, XXXX my loan accounts are now shown incorrectly as being " Past Due '' again. I also received emails on XX/XX/XXXX saying that Citizens One tried unsuccessfully to process another payment for each of my XXXX loans that day when they were not due until XX/XX/XXXX - they were once again attempting to process additional multiple payments. I have again tried to contact XXXX by leaving multiple voicemails and an email but have not heard back.
Product: Student loan

A couple of weeks ago I received an email from my payroll department that they were going to start garnishing my wages at 15 %. My payroll department was noticed of this on XX/XX/XXXX. I called the company that now has my student loans, Immediate Credit Recovery, yo ask about this garnishment and was advised they sent me a letter to set up a payment plan but they sent it to an address Ive never lived at. They advised me I can fill out a financial hardship packet and hope that they dont garnish my wages. I filled out the packet and mailed it in with all my bills then on XX/XX/2019 I received a letter in the mail from the US Department of Education to set up a payment for plan for the debt I owed. I called them to set that up but was advised to just disregard the letter I received and it was sent out in error. I was never given the opportunity to set up a payment plan for this debt and Im also XXXX weeks XXXX with my first XXXX  so having them garnish 15 % of my wages is going to put a huge financial strain on myself. The amount I owe is XXXX and Ive also been advised they will be seizing all of my income tax this year. Id be willing to make payments to this company but I cant afford for them to take XXXX a month from me.
Product: Credit card or prepaid card

XXXX  Capital One is trying once again to steal from someone ( me ) after they cancelled my credit card in the dishonest and underhanded fashion that is their hallmark. I purchased a deposit on in item in early 2021 ( the XXXX XXXX XXXX XXXX ) and after a year or more, there was no confidence whatsoever that we were any closer than the year earlier, so I asked for a refund. I assumed wrongly that since XXXX Capital One cancelled my card, they wouldn't accept refunds on it and that XXXX would have to send me a check. 

Are you surprised that a bunch of evil thieves would cancel an account **but still accept refunds** on it and then not actually pass along the refund to the consumer who the refund belongs? If you are, you haven't been paying attention to Capital One. 

They sent me a letter after they crookedly accepted the refund and that I would receive the refund after two statement cycles. So they made a fast grab at my money and then graciously said they would forward it to me after using it for TWO MONTHS. Just wait ... it gets even more despicable. It's not past three statement cycles and there isn't a shred of evidence the money has moved from their crooked pockets. 

The fact that they can do business in the United States if another piece of evidence that this is no representative democracy, but a kleptocracy. 

To any investors or potential customers of Capital One, take note. You better save every shred of paper you exchange with or about transactions with this crooked organization crime front because they are all working to steal your hard-earned money one way or another. As soon as you stop paying attention, you'll be wiped out.
Product: Student loan

Amid several complaints to the U.S. Department of Education Federal Student Aid in XXXX, XXXX and XXXX about its Loan Servicer abusive and malicious tactics in the handling and discharge of my loan about XXXX and XXXX XXXX, an new Servicer " Nelnet '' after 7 years has taken my XXXX tax refund ( {$63.00} ) without cause. I received no notice from the U.S. Department of Education about this. The IRS finally mailed a letter claiming to be responsible for this offset and for me to cal Nelnet in XXXX, XXXX. When I called they were not friendly but picked-up the XXXX from year XXXX. 
I submitted a Doctors Statement ( section 4 ) for loan discharge - XXXX  and XXXX XXXX XX/XX/XXXX and I was lead that this loan was discharged then. Now I keep getting excuses from Nelnet saying! ) It was illegible 2 ) the discharge form was incomplete? So now they are making me do the form all-over again after 7 years, This is Malicious and XXXX! Now that I filed an intent With Nelnet for XXXX discharge XX/XX/XXXX & I have 120 days to submit these forms. Netnet is saying they will Not honor my paperwork and will not honor the 120 day grace period and will continue to take my tax returns. This us unlawfully and XXXX mistreatment and I demand it to stop! I also demand the return & refund of my {$63.00}. tax return that was taken. It was unfair because I am below the poverty level and have an inability to repay, I have No income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Consumer Loan

I purchased a vehicle through a dealership and was financed with Santander Consumer USA. They are the worst in terms of LYING after making payment arrangements on my loan ; I was told that those arrangements were never made. Causing the loan to be in default and allowing them to Repo the vehicle. after this happening 2 times, I decided to start recording the conversations. on multiple times I was told that the arrangements were not made, or that the payment didnt include certain fee 's which allowed them to tack on more fees after the car had been Repo 'd. On XXXX XXXX, 2016 I was sitting in the vehicle with my Husband the Truck driver ( Repo ) Rammed into my vehicle with us in the vehicle causing injury to our XXXX. after we are sitting in the vehicle in Mid-air the truck driver gets out of his truck and comes around to the drivers side and try 's to pull me out of the vehicle ( I was assaulted and Battered ) by the driver as the other person working with him in an unmarked car had drove up behind me and blocked me in ; So, that I could'nt back out of the driveway. I have been harassed, Followed and caused pain and suffering by the the driver and his partner. when this situation occured my Husband called the police while he is sitting in the backseat suspended in mid-air. The police come and take a report and tell/Instruct the driver not to have any contact or come with-in XXXX feet of me or the vehicle ; Until, I made contact with the finance company on Monday XXXX/XXXX/16 by the end of business day. During the week-end I was still under attack by the Truck driver and his partner, constant following and the ended up picking the vehicle up on the day prior of the instructions by the police. the vehicle was then taken to the vendor XXXX XXXX XXXX who contracts with the towing company XXXX XXXX in XXXX, Arizona. After paying the $ XXXX to get my vehicle back from out of Repo status the Vendor told me the car was damaged and not operative the Tire Rod had been Busted and Gas tank had sugar poured into It. 
I had to wait 1 week before picking up the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, This is regarding Barclay Card US This is their contact information provided on their website. 

General Correspondence Card Services XXXX XXXX XXXX XXXX, DE XXXX To reach your dedicated customer service team, please call us toll-free at XXXX or tweet us XXXX XXXX Our accessibility coordinator is available to answer your questions and help with your accessibility needs. To reach the accessibility coordinator by phone, please call XXXX or email XXXX. 

Problem : I had made a balance transfer request for my Barclay Card XXXX XXXX Credit Card for which I provided my bank account number and my bank, which is XXXX, to Barclay from their XXXX Credit Card that they provide to me which gives a 0 % APR till XX/XX/2023. I used this offer for {$8000.00} which I paid XXXX to avail on XX/XX/XXXX and have since given them several calls about these funds never being received by my Bank at XXXX. They have strung me along for over a month now assuring me to just wait. I had never received it and called multiple times to managers which told me they escalated it and then to further wait pending a XXXX day investigation with no other information and no halt on forcing me to make minimum payments on said amount because I had a XXXX balance previous to these transactions. Their statement is they sent it, but there is no deposit at XXXX. 

Thinking it wasnt a problem and that it would just need some time, I went ahead and did another balance transfer for {$2300.00} on this same card for a fee of XXXX. All of these charges posted to the card, but none of the funds have been received! They have not been received even now. 

I spoke to an XXXX who is a manager apparently in the Nevada branch who just lied to me about helping me. She said that she would adjust my minimum payment date to account for the delay or non-receipt and I have my minimum payment due on the XXXX for which I do not believe I should have to pay because I have yet to receive a dime. 

She also provided me an email to send to contact and to attn XXXX. I sent three emails requesting assistance and nothing came back. This type of behavior is very shady. There is no reason they can not tell me where their transfer went! 

This is some fraudulent behavior. The state and government needs to find out what is going on. I had used balance transfer checks from XXXX which deposited into my XXXX account the same week. I should not have a balance of nearly {$11000.00} on my credit card for which no funds have been sent to me and be strung along this long. Its been nearly a month and still no resolution. 

I have never seen something like this. Its usually very quick to resolve issues for me, if any. Its never like this. 

Please contact me and advise what I can do to combat this kind of predatory behavior. 

Sincerely, XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I took a payday loan out and was paying back on time on a regular basis. About 2 or 3 months ago I switched banks, I called them and asked to have the debt deductions taken out of new bank. They said it was to late for the next payment, but could after that. I tried to explain to them that I will get a charge because that account was closed. Was getting nowhere with the person I was talking to, so I asked to talk to a supervisor-he kept stating that the supervisor would tell me the same thing. Over and over this went over probably ten times, he didnt seem like he would transfer me, so I hung up. After that expierence dicided not to even try to deal with them anymore. I'm getting calls and emails from them.
Product: Debt collection

I have contacted the original creditor and was informed that they never submitted the hospital bill to my car insurance or Medicare. I feel that they should release me from liability on this due to the fact that I was not informed of it until it was too late to submit it to either of my insurances. The hospital I was treated at received their payment. This was for the emergency physician I do n't feel this is right and should be removed.
Product: Credit card

The XXXX XXXX XXXX XXXX credit card is always charging me a late fee when I pay on the due date after XXXX. Also having problems with a complaint to the credit card on a purchase that has been approved every first of the month since XXXX of 2024. I disputed the purchased I never approved it. Every time I speak to a representative and ask to transfer the call to a manger the they always hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports
Product: Checking or savings account

The day my social security check was direct deposited a bot tagged my account and credit karma froze my account for my own protection so I turned in everything that they requested except 1 picture because my wallet is missing and I was waiting for my check to get me id I explained to them and I sent in pictures of my id I had on my laptop some with me in it and some not they sent an email saying they wanted a picture of me holding my id under my chin after I explained about my wallet so I pawned my laptop and got a new state issued id which I submitted 6 days ago I notified them that I had health issues and needed to get medications including XXXX XXXX XXXX XXXXXXXX I have heard nothing from them there was no reason to freeze my account but there was no possible reason to take a week to compare my id to my picture with my id held under my chin incompetence I spent last night XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems like credit karma does this to almost everyone do you know how much interest they collect having that money sit there without being touched especially someone on a fixed income that basically emailed their account right after getting paid paying his bills I am also getting evicted for nonpayment because of them