23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with ARS and XXXX since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
XXXX and ARS both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is XXXX. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both ARS and XXXX both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However XXXX and ARS both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. ARS further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
XXXX has lost several lawsuits recently for these practices I've mentioned. ARS and XXXX must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.
Product: Debt collection

I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.
Product: Debt collection

XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
Product: Credit card

I've been working on my credit and finally got approved for capital one secured credit card me wife an kids took a trip missed a week of work so was short on funds had to use the card and we did go over the limit but when making a payment on payday Friday 's by the time they process the payment my account is to low but I have overdraft so not understanding why they return payment and I've missed a few payments because of this and they don't seem to care and now they closed the account out I can't help it takes them to long to process a payment or won't process payment with overdraft this is crazy I worked so hard to get that credit card
Product: Debt collection

On XX/XX/21 I noticed a levy on my bank account in the amount of {$8400.00}. XXXX. I contacted my bank and was advised that the levy was ordered by Richard Sokoloff XXXX on behalf of XXXX XXXX XXXX XXXX. I attempted to contact Richard Sokoloff by phone and was advised by his receptionist that he would call me back. 24 hour 's passed and still no return call from Mr. Sokoloff so I visited his law firm located at XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/21 and requested to speak with him in person. Mr. Sokoloff appeared at the reception window. I advised him that the levy on my bank account was illegal. I explained that said funds are from NYS Unemployment and therefore are exempt from debt collection since the alleged debt is not owed for child support, taxes nor student loans. I presented Mr. Sokoloff with my bank statements which shows that my unemployment benefits are directly deposited into the levied bank account and also proves that my government benefits are the only monies that are deposited into said account. I also presented Mr. Sokoloff with my NYS Unemployment benefits statement which shows the amounts that I have been receiving and also shows that said payments are directly deposited into the levied bank. Mr. Sokoloff skimmed the documents but refused to accept them. He presented me with a copy of the default judgment and his business card before shutting the window and walking away. Richard Sokoloff, XXXX. is in violation of the Federal Debt Collection Protection Act
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions were infeasible.The CFBP findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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.

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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a transfer of {$260.00} was made to a Cashapp account I own. I was unable to access my account due to a telephone number change. I contacted CasApp support to request a merge of my old account to my new account so I could access my funds. CashApp said they kept getting an error on their end when attempting to merge the accounts. They wouldn't give me any further information, only citing " security reasons. '' I provided them with my SSN and photo ID yet they still refused to allow me access to the old account. Now my {$260.00} is sitting idle in my old cashapp account with no way for me to access it.
Product: Credit card

My American Express card required a payment by XX/XX/2024. A credit in the amount of the payment due posted on that very same day, XX/XX/2024. Therefore, no further payment was due for that statement. However, American Express charged me a late fee of {$29.00} for that statement cycle. When I called about it, I was refused a reversal of the fee. I was told that although the statement shows the credit posting in time on XX/XX/2024, the process did not complete until the next day. 

I explained that the date on the statement claims the credit was received on XX/XX/2024, the date by which a payment was due, and so that printed date is the appropriate reference. But neither the representative, her supervisor, nor the supervisor 's manager reversed the fee. Each claimed that the system did not permit it. If so, American Express has a system of charging customers late fees for amounts showing as already credited on statements. This system is misleading and unfair to consumers. American Express should be required to change it. I also request a reversal of the fee of {$29.00} posted to my account.
Product: Checking or savings account

I was scam by a employee of chime XXXX the number I called to chime an spoke to a chime representative that later call me back and scamed me out of XXXX XXXX dollars chime is a scam and they will mistreat their customers
Product: Debt collection

On  XXXX   XXXX ,  XXXX , I was wrongfully charged with a toll violation while driving in  XXXX . I was driving home to   XXXX   XXXX  .     In  XXXX   XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in  XXXX  by mailing the required evidence that showed my   XXXX    account had a positive balance on  XXXX / XXXX / XXXX .     On  XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a  XXXX   XXXX  without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the   XXXX   XXXX   XXXX   XXXX   to {$66.00}.     Again, I responded promptly. A  XXXX  employee told me over the phone I could send my appeal via email to   XXXX   XXXX    Custome r Service. So I emailed  XXXX  a printout of my  XXXX  Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I received an email response from   XXXX   saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee  ( s ). '' The l etter contained a request to contact   XXXX   to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections.     In  XXXX   XXXX , I opened a Notice of Assignment to a  Collection Agency dat ed  XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}.     On  XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent,  XXXX , who would not give me her badge or ID number but stated her initials were "  XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to  XXXX .     I immediately called  XXXX , and spoke to  XXXX  and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in  XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. 
My request was sent via XXXX Certified Mail, Receipt # XXXX and was delivered on Sat, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Identification Card, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card for identity and address verification. 
I have received no response from TransUnion regarding my written request to be provided with a free, complete copy of my credit report. 
I have not received my credit report as requested from TransUnion. 
I am a Victim of Identity Theft and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I began an auto loan transfer to Capital One Auto Finance ( XXXX ) for {$23000.00}. XXXX paid the wrong bank, took them several months to resolve. XXXX then began to report to the credit agencies that my payments were late, even though I was STILL making payments to original loan company. XXXX then closed the account, when the transferred occurred, so I couldn't make payments. Then XXXX created dual accounts for my car loan. Closed one account and entered it as " repossession '' into the credit reporting agencies, while I'm simultaneously entering into a settlement agreement on the same account which XXXX reported as repossessed. 

On XX/XX/XXXX and XX/XX/XXXX XXXX sent settlement agreements. On XX/XX/XXXX sent a payment due notice. On XX/XX/XXXX XXXX  sent a " default and right to cure letter '' AND on XX/XX/XXXX XXXX also sent a repossession notice. If not for my CONSTANT CALLING XXXX, they would have illegally repossessed the vehicle. 

XXXX is now advising that I need to file a dispute with the credit reporting agencies, to correct their mistake of the two accounts.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C . SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Waypoint resource is violating my XXXX rights. They've never mailed me any validation/verification to my address. None of my contact information has changed this year. They claim I don't have any account off my verified information but are listing a collection to my report via verified information. 

Attached proof. If there is a debt it's to old for my report and my attorney needs a validation/verification letter for review.
Product: Credit card or prepaid card

On XX/XX/XXXX, I began receiving emails from XXXX, welcoming me to the service. I never signed up for their service, and someone else used my email address to do that. 

I have been emailing constantly and they assure me they are working on it but nothing has been done. 

I find this lack of response extremely unprofessional and dangerous when data security should be of utmost importance to a financial institution. 

I am not taking more time to build a profile with this company, that I did not choose to give my business to in the first place. They want you to give them more information like phone number to them, while I already do not trust this institution.
Product: Credit card

Contacted Synchrony Bank customer service on or around XX/XX/XXXXXXXX XXXX XXXX XXXX concerning my bill being XXXX when it's normally XXXX. I was transferred to another department. When I spoke with the young lady I inquired as to why my bill was {$30.00} higher than normal. She told me that I as being charged some sort of fee ( can't remember the name ( every month and it would cause my payments to fluctuate depending on my ending total balance. I expressed to her that I didn't understand because my payments had been the same every month except for the months of XXXX ( which I called in about and another rep fixed and said my bill would return to my normal payments ). She advised me that I had been charged this fee since XXXX and that the only way I was in the program was I had to opt into the program when I applied for the card. I told the rep I had no idea about the program and that I was no longer interested in paying/participating. She stated she would remove me from the program and that I was APPROVED to receive a REFUND, and I would receive a check for all the money I had paid so far, which was XXXX XXXX.I told her " Thank you and nothing else was needed. '' fast forward to XX/XX/XXXX I check my online Synchrony account to see that a refund had posted on XX/XX/XXXX, but I still had not received a check. XX/XX/XXXX, I received a letter from Synchrony saying that my claim had been denied and I was not going to receive any money back due to it being past a 90-day promo period, but instead they would give me a courtesy credit and credit my account with the {$580.00} instead. I was floored that I could be told I was approved for money I didn't as for in return just for the company to send me a letter 2 weeks later saying " Yea we lied, but here be grateful for this ''. '' real SHADY business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.