23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Carter Young was contacted on XX/XX/XXXX to validate the alleged debt. It fails to respond to the validation letter. On XX/XX/XXXX, Carter Young reported the medical debt as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my credit report.. On XX/XX/XXXX, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Carter Young failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card

Recently, my XXXX XXXX  account was hacked, and several unauthorized purchases were made using the payment methods linked to my account. Upon discovering these fraudulent transactions, I took immediate action by contacting XXXX XXXX directly. However, their customer service refused to assist me, stating that there was " nothing they could do. '' They did not offer any resolution or guidance on recovering my funds or securing my account. 

Following this, I promptly reported the unauthorized charges to Bank of America along with XXXX XXXX and requested a chargeback. Unfortunately, my bank denied my dispute, leaving me financially responsible for charges that I did not authorize or approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

The Account : DISCOVER FINCL SVC LLC # XXXX
Product: Debt collection

I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed. 

They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX. 

On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home. 

Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her. 

On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.
Product: Credit card

Subject : Dispute Regarding Interest Charges on account To whom it may concern, I hope this email finds you well. I am writing to formally dispute the interest charges applied to my Zales XXXX Credit Card account, Account # XXXX, for the billing period of XX/XX/XXXX to XX/XX/XXXX. 

Upon reviewing my account statement, I noticed an unexpected interest charge of {$850.00} that was applied on XX/XX/XXXX. I believe this charge in incorrect for the following reasons : 1. I have consistently made timely payments in the amount of {$250.00} and adhered to the agreed-upon terms of my account. I have 2 plans which consist of the first XXXX with the amount of {$3000.00} ( Expiring XX/XX/XXXX ) and the second plan {$1200.00} ( Expiring XX/XX/XXXX ). I have set-up monthly payment of {$250.00} which is more than the minimum required payment. 
2. I have made recent purchase plan last XX/XX/XXXX ( second plan ) with the amount of {$1200.00} that should be expiring in 12 months. They have set-up their own payment allocation without my consent. They have allocated my monthly payment of {$250.00} mostly on the new purchase which was originally allocated on the first plan. 
3. I have called customer care to dispute the charge and even spoke to Supervisor XXXX  ( ID # XXXX ) about the issue but refused to reverse the charge even though I mentioned that will be reported to consumer bureau. 

Given this information, I kindly ask for a thorough review of my account & the removal of the interest charge in question. Please provide me with a written response outlining the conclusion of your investigation. 

I appreciate your prompt attention to this matter and look forward to resolving it soon. Feel free to contact me at ( XXXX ) XXXX or email me at XXXX if you need further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid my Bank of America Credit Card statement balance in full on the first due date following the deferred interest expiration ( Confirmation # XXXX & XXXX ). The statement document did not indicate that I would need to pay sooner or a greater amount than the balance shown ( {$17000.00} ). This was reinforced by a BoA customer service representative over the phone on XX/XX/year>, at approximately XXXX MST. The call was to my cell ( XXXX ) XXXX. The recording will show that I inquired about the specific amount and date of payment required to avoid interest penalties. A few days later a substantial interest charge appeared on my account and I called to inquire again. After waiting on hold for 28 minutes, I had to hang up and go back to work. I sent a message to Bank of America with all of the information above and received a generic, nonsensical reply from " XXXX XXXX '' stating that they needed more information and instructed me to call a different XXXX number. That number led to the same automated customer service line shown on the main website and they offered no assistance and showed no concern for my request. I called again on XX/XX/XXXX and spoke to a " XXXX in XXXX Florida '' who also was of no use and elevated the claim to a nameless, faceless corporate department. He also offered the fabricated excuse that because the payment was scheduled for a Sunday, it could not process for a day and that's why interest was charged. This is nonsense and firmly asserted that fact. Bank of America intentionally makes avoiding interest penalties as difficult as possible, and then makes dispute resolution nigh impossible with their shield of corporate anonymity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now
Product: Credit reporting or other personal consumer reports

By the law of FCRA 15 U.S.C & XXXX XXXX, Equifax and XXXX are reporting inquiries that is not accurate and the following inquiries that should not be allowed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 6-month interest free loan from Comenity Bank XXXX XXXX XXXX for {$9800.00} XX/XX/2020 Paid {$500.00} XX/XX/2020 Paid {$520.00} XX/XX/XXXX Paid {$1800.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Received email notice of a {$750.00} interest fee XX/XX/2020 Sent letter with copy of email to Comenity XX/XX/2020 Sent letter with further information XX/XX/2020 Received letter from Comenity XXXX looking into it XX/XX/2020 Received letter from Comenity that investigation concluded and closed XX/XX/2020 Received notice of a {$750.00} interest fee XX/XX/2020 Because website not available on my laptop ( technical difficulties ) ever - sent a letter of complaint again XX/XX/XXXXReceived letter from Comenity that wsill investigate further XX/XX/2020 Sent letter with check for {$290.00} which is 19.99 % of {$1500.00} which would be the amount still due if Comenity views XX/XX/XXXXas the end of the 6 month agreement Additionally, numerous calls were made and finally a message was sent through the website which again is not available to my laptop but I was able to access on my tablet with the help of a phone representative from Comenity on XX/XX/2020
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Debt collection

I have found an account in collections on my credit report that dates back to XXXX of 2023 that is not mine. The original company that reported it was XXXX XXXX XXXX  which I have not used for over 10 years. The current debt collector is IC Systems trying to get over {$3300.00} that I did not create.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have the Capital one Venture XXXX credit card that offers {$300.00} annual in statement credits if one makes travel purchase from Capital One travel portal. I made the necessary purchase needed to qualify for this benefit on XX/XX/XXXX. 

Capital One promises to credit the {$300.00} benefit within XXXX business days but they say it can up to XXXX billing cycles. It has been more than XXXX billing cycles at this point at Capital One has not credit me back the {$300.00} in statement credits. 

I have followed up multiple times with their customer care and each time I am given a new date but there has never been any follow-ups from Capital one on this matter. 

The first time I raised a complaint about this issue was XX/XX/XXXX. Capital One assured me that they would respond within 10 days. Since I did not hear anything from them, I called again on XX/XX/XXXX and they promised to rectify the issue by XX/XX/XXXX. When I did not hear from them by XX/XX/XXXX, I followed up again on XX/XX/XXXX and they were not able to provide me with any resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am reaching out to you because I am requesting that these items be deleted immediately or I will implement litigation due to the stress and hardship they have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXXXXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX. 

In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing. 

When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly. 

With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers. 

I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.

Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal. 

So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX  value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product. 

I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX . The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy ofany contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute thevalidity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Checking or savings account

XXXX : I received a XXXX payment from an unknown sender. 

I thought it was fraud and called Wells Fargo to dispute it. 

Later, I found out it was from your coworker, so you canceled the claim and sent them the money back via XXXX XXXX, because my online banking was XXXX. 

Despite canceling the claim, Wells Fargo still reversed the XXXX, meaning I'm now out that amount twice. 

Wells Fargo says they sent the funds to XXXX, and XXXX says they never received them. 

Its been XXXX days without resolution. They refuse to help or email me any proof.
Product: Checking or savings account

Capital One has been experiencing a technical issue that has delayed the release of direct deposits, including mine, which was for {$1200.00} and expected on XX/XX/year>2025. It has been nearly 48 hours, and I still do not have access to these funds, which I rely on for essential expenses. Despite assurances from Capital One that they are working on the issue, there has been no resolution. I am requesting assistance in holding Capital One accountable and ensuring they resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian and it seems as if they are not conducting an actual investigation/research as they always send a general response by email stating updates have been made ; however, these updates are incorrect & on many I dont see the updates that took place when comparing the account before the dispute & after it was completed. One this specific dispute, I included a document from the collection agency stating they decided to close the account and that they will have it removed from the credit reporting agencies. I submitted the dispute directly once I identified it was still reporting and once again Experian sent a general response stating the account was updated and the item was not deleted. I called customer service and spoke with XXXX who confirmed the dispute letter along with the document from the collection agency was received. He stated an investigation did in fact take place but it was verified it was correct. I am not understating how it can be correct and not deleted even when supporting documentation is provided. Based on this dispute and others I have submitted, it is clear that there is no actual research being done which causes a negative impact to consumers daily. I am submitting this complaint as Experian needs to be investigated and audited to ensure this does not continue to happen. It is very concerning especially when there is supporting documentation provided and the results are still the same.