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

This complaint is in relation to my Capital One credit card. The payment due dates are always the first day of each month. On XX/XX/XXXX, I made my payment at approximately XXXX or XXXX XXXX, Central Time, where I reside. When I made that payment, the recording told me that my payment would post on XX/XX/XXXX, rendering it one day late. I understood that there was a late payment charge if I made the payment after XX/XX/XXXX. I immediately called customer service and they told me that I may not be charged a late fee and to wait for a billing cycle. Customer service indicated that they would reverse the late fee if it appeared on my statement because the payment was made on XX/XX/XXXX in a timely manner.
I received my XX/XX/XXXX statement and the statement included a {$25.00} late fee. I called customer service three times and they declined to reverse the late fee. They indicated that the payment was received after XXXX XXXX Eastern Time. Their cut off is XXXX XXXX Eastern Time. I told them that I reside in the Central Time Zone and in any event, the payment was made well in advance of XX/XX/XXXX. My statement reads " Electronic Payment Date XX/XX/XXXX '' and then posts for XX/XX/XXXX. I believe that this is a penalty and not a real fee to cover Capital One 's expenses.
Product: Debt collection

Allied Collection Services. XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX A notice for collection of debt. Dated XX/XX/2020. 
A total of XXXX dollars. 

Phone calls were received and a letter with debt collection notices was obtained. This is false. 

By calling the California Attourney Generals office we were instructed to send them a letter asking for true information about this debt and a cease and desist if this is false which we believe it is.
Product: Debt collection

I was notified of the existence of this debt after submitting to a background/credit check for a new job. After contacting XXXX XXXX, I contacted Portfolio Recovery Associates who had apparently purchased the debt. I was not notified by mail, phone, email, or any other communication type by XXXX XXXX of the existence of this account prior to the debt being sold to Portfolio Recovery Associates ( PRA ). 

On my third attempt to contact PRA, I was finally able to reach an associate who agreed to start the dispute process for me. After expressing concerns about the time-sensitive nature of my dispute, I was not given a timeframe or made aware the PRA would request further documentation from me, by mail, even after making the associate aware that I was not reachable by mail at my home address. I have been sheltering in place out of state due to COVID-19. 

After filing the dispute on XX/XX/XXXX, I called PRA a total of 6 times to attempt to ascertain a status update. Each time that I called, I spoke initially with a customer care associate who would then transfer me to disputes where I would wait on hold in excess of an hour each call. Each customer care associate was made aware of the time-sensitive nature of my dispute, and none of them provided a direct phone number to reach disputes. In addition, the PRA website lists their general customer care number as the direct line to their dispute department. PRA refused to provide me with accessible documentation to reflect the disputed status of this debt. 

I was not able to reach a representative in the dispute department until XX/XX/XXXX. I was not notified by phone during any of these phone calls, until XX/XX/XXXX, that the PRA Dispute Department was waiting for documentation to be provided by me. I was not made aware that the affidavit they requested by mail could be provided electronically through the FTC website.

It is my belief that PRA associates chose not to provide a full and fair disclosure of the options available to me, in an attempt to elicit payment for a debt that does not belong to me, because they were made aware of the fact that my job offer hinged upon my providing an account for this debt. They believed that they could corner me into paying for the debt rather than doing their best to provide to me their reason to me for believing that the debt was truly mine. 

I was made aware that each call was recorded, and my expectation is that PRA will review all of these calls which will back-up my claims.
Product: Credit reporting or other personal consumer reports

Both companies are showing that the accounts on my XXXX consumer report are charged off as ( XXXX  ). However, I haven't received a 1099-C from either corporation. I'm respectfully requesting copies of the 1099 's from both entities or remove the derogatory remarks from my consumer report. The accounts in question are as follows : Capital One Auto Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The IRS also states that any accounts that a corporation may claim as a profit loss on their taxes shall not report derogatory marks to a consumers report. As the debt was written of and the creditor received credit via Profit/Loss on their balance sheet.
Product: Checking or savings account

Wells Frego card service bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues
Product: Checking or savings account

Hello CFPB and US Bank, i have over 12 fraudulent ATM transactions and i ; ve tried calling to file a FRAUD claim on these and every time i have, the reps on the phone have no idea how to do it or they keep thinking i want to file a dispute which isnt the case, these are fraudulent transactions totaling over {$1900.00}. 

They mailed me a new card which im still waiting on but im not sure if a fraud claim has been filed properly for these transactions so im filing a CFPB claim in hopes of getting my money back and getting a claim filed the correct way. 

My debit card was cloned and used without my authorization at the ATM, leaving my account empty. The ATM deposits are verified but all the withdrawals are not me The first atm withdrawal started on XXXX the last withdrawal was on XXXX Please help me recover my funds.
Product: Student loan

On XX/XX/XXXX, I received a letter from Nelnet, regarding repayment of a student Loan, that would resume in XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX from customer service, who informed me I owed the DOE XXXX XXXX dollar ( {$9000.00} ) for a consolidated loan from XXXX. I am a XXXX XXXX XXXX and I didn't take out a loan in XXXX. 
However, I did file a complaint against XXXX XXXX XXXX in XXXX, PA for Social Security fraud, over an eight year period, in which, they took XXXX XXXX dollars - ( $ XXXX - garnished from my SSI check. Also for blatant acts of XXXX XXXX from XXXX thru XXXX of XXXX and XXXX. It was then, that I realized XXXX XXXXXXXX XXXX, used a XXXX XXXX dollar loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa and turned it into their XXXX XXXX  over an eight year period.- from my SSI check, an overpayment of XXXX XXXX dollars or more. 
They also changed my User ID to a XXXX logo I used.
Product: Credit reporting or other personal consumer reports

Mailed letters on XXXX XXXX XXXX XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

I have contacted XXXX XXXX XXXX, XXXX with 2 written letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt.  These accounts are listed on my credit reports as collections.
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 XXXXXXXX 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 instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a complaint against a debt collector ( NELNET ) who has failed to provide me with sufficient proof of the alleged debt they are attempting to collect. Despite multiple requests, they have not provided any documentation or verification of the debt, which is in violation of the Fair Debt Collection Practices Act. This lack of transparency is causing undue stress and uncertainty for me, and I request your assistance in addressing this issue promptly. Thank you.
Product: Credit card or prepaid card

My credit card had an interest rate of 8 % in XX/XX/2011. I made a mistake and paid 1 day late, so Citi jacked up the rate to the penalty apr of 29.99 %. Under the law they were supposed to only keep the penalty rate for 6 months if i made 6 months of on time payments. I have never had another late payment. They never reduced the rate back. I have repeatedly requested that they change the rate, but now they claim that the 29.99 % is the cards normal rate, which is a lie. I have the statements showing the original rate and when it changed to the penalty rate. Last month the did reduce the rate to 24.99 % but nothing near the original 8 % and that was 7 years later. they have never offered a credit or refund for the period where by law the interest rate should not have been 29.99 % over 7 years of overcharged interest. Again they did not follow the law and continue to lie about it, even if I get nothing, they should be held accountable for breaking the fair act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED TRANSUNION/ XXXX/ XXXX AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
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 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 me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leave users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Good afternoon, due to lack of work, I stopped paying for this Honda car, which I have always paid for more than 2 years a day, then I asked them to reduce my payments and they refused. Now they want me to return the car that I have not been able to do since I have been away from the state and the car is in my garage, I asked to make the payments and they informed me that the only way was to pay the full car which I can't for now, they tell me to return it but I don't owe much anymore and I'm sure they're even going to auction off the car and I will continue to return them since I do not trust their way of auctioning, XXXX HONDA XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT TYPE Lease Honda financial services
Product: Credit card

XXXX XXXX restricted my cards because someone paid the balance off on both of my credit cards without my knowledge of who it was they wanted me to submit a bank statement to prove it was not me but the card that paid the bill off in full was not mines I do not have an account with that bank after not being able to submit that statement they returned the balances back to my credit cards and close my account my accounts were in good standing at my venture card was {$2800.00} and my quick silver was {$2500.00} is what was paid off and than returned back to the original balances I tired to explain to the fraud department but nothing happen I called them everyday for XXXX weeks and they were still asking for a statement from me and I kept telling them I do not have a statement that is not my account they also tried to charge cell phones at XXXX but the card was declined this all happen in XX/XX/year> and they paid my cell phone bill for {$100.00}
Product: Debt collection

MIDLAND CREDIT MANAGEMENT HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$610.00} DOLLARS. THE COLLECTION HAS BEEN REPORTED AS A PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Checking or savings account

I opened up my first credit card with Wells Fargo. For that card, I wasnt able to pay and my account was closed. Then I got a letter in the mail saying I was being charged {$100.00} for that month. I never consented to this or set up those payments to be done. I called and told them if I can cancel and they transferred me to XXXX XXXX XXXX where they told me that those payments have nothing to do with them and to contact Wells Fargo because they cant do anything about that on their end. They said they were just the debt collection agency that Wells Fargo handed over my account. They told me to call them back to work on a settlement when I was done with Wells Fargo charge. Wells Fargo says there is nothing they can do after I told them all this. Months go by and I try to reach out to Wells Fargo to see if this can be resolved. After months of this, I call again and Im more persistent. I keep getting transferred and eventually hung up on. I keep persisting and one Wells Fargo member does admit it is strange and things arent adding up. I told them that if hypothetically I did forget and set up payments, that would not explain why first source says im still in full debt and need to pay them. Wells Fargo wouldnt have given my account to XXXX XXXX if I was paying. And if im still in debt, where is the money going to. I have been with the stress of this situation for months and I have been losing money. A Wells Fargo was able to stop future payments which I asked why that wasnt done for me in the first place when I asked. I then tell them that I want this to be investigated and I believe there is fraud involved. I get to talk to some executive who says I now have a case and there will be an investigation. He did apologize for the stress this has caused me and I will be reimbursed. They just got back to me saying they are not going to reimburse me and my case is closed. I know I didnt set up those payments and they werent going towards my credit card. Money was just lost.
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 has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

A debit was purchased by a third party. I do not have a contract with this party nor did I ask them for a loan or give permission to use or obtain my information. The debit was purchased by 3rd party without my knowledge and now want to collector.this is hurting my credit. I never received a copy of any original bill. I want this taking off my credit immediately.i also had extentions that was in place which was not honored. 
My property was stolen and sold and the cost of vehicle is on my credit as bad debit.
Product: Money transfer, virtual currency, or money service

I initiated a dispute for fraud on my account with Cashapp ( Block INC. ) in XXXX of 2023 that they refused to resolve. I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Me and my mother had this as a joint loan and my mother settled it and paid it off.
Product: Credit card or prepaid card

I am filing yet another complaint against Synchrony Bank, due to recurring issues. My primary concern is the lack of clarity regarding the outcomes of my previous disputes. In this complaint, I will be providing specific transaction amounts and approximate dates related to some of my disputes. Yesterday, I spoke for an hour and a half with XXXX from the dispute department. She told me that for many of the disputes that I filed, I was given provisional credits that were then overturned in favor of the merchant and rebilled to my account. Synchrony Bank neglected to inform me about these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the disputes, they rebilled me for the amounts without my knowledge. In many cases, I had re-disputed the amounts multiple times, and this is reflected on the statement they sent me. Synchrony Bank 's failure to notify me about the rebilling of these disputed amounts while allowing me to believe I had received credits is deceptive. I have contacted them on numerous occasions, and they confirmed to me many times that the disputes were resolved in my favor. However, upon reviewing the statement they provided, it is evident that many of these credits were later overturned, without my knowledge. Also, the statement they sent me doesnt include the names of the merchants nor what products or services were purchased, but I have kept some notes on this information, so I will try my best to provide you with the most accurate details I have. Some of the purchases are not even on the statement they gave me for some reason, the statement is missing a few transactions. Furthermore, I contacted Synchrony today and experienced unhelpful customer service from XXXX. He displayed no willingness to assist in resolving the issues related to my disputes. XXXX even stated that he was unable to provide me with crucial information regarding the disputes, including the names of the merchants involved or the dates of the disputes or purchases. To make matters worse, he placed me on hold for an extensive 20-minute period before hanging up on me. I have included the data for my disputes in an attached file. Thank you again for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have the court documents stating they do not report to the credit bureaus. That is my proof so remove the BANKRUPTCY immediately it is a violation under FCRA.
Product: Credit card or prepaid card

I'm called PayPal prepaid card service/ netspend payroll deposit checking account in XXXX of 2019 to discuss charges from the same fue company in my area for recurring charges that where coming out. From XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a fue more places including XXXX and XXXX XXXX. XXXX  XXXX and a host of other fake business! They are at All from over seas and XXXX is there 2nd language so it's hard to understand also they are not given correct answers or helpful answers in order to refund my money. Or fix issues please help me.
Product: Checking or savings account

My CD was maturing on XX/XX/2018 I called Goldman sachs on XX/XX/XXXX to not auto renew it. they told me to call back to cancel it.

Firstly of I am telling them to cancel it from auto renew they should not auto renew it.

Now they are asking me 270 days interest penalty when I called them to interest.

they can not auto renew my cd without my instructions. This is just fooling the cuswtomer.

I have wasted so much time with the bank to do this over the phone. Can you please help me.