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

I have been behind on my payments for a while now. My family experienced a medical emergency that cost us a large sum of money. A XXXX, and XXXX  were needed, and we could only afford so much. As soon as I got some money together to start catching up I called Synchrony bank, whom I have a care credit account through to try an settle my debt. I called XX/XX/2020, two times and spoke with offshore representatives who refused to discuss settlement options with me. I called again today XX/XX/2020 to try and make a payment, and was told initially a settlement option of {$900.00} was available. The representative told me after some time on hold that it was not available now. I asked her if she had spoken to a specialist, and she said that she could not get through to them. She told me that a letter had been sent to me offering a settlement, but I hadn't responded in time, but the two previous agents said that a settlement was never an option. I never received a letter offering XXXX as an option. I felt as if I was getting the run around especially since I had just settled an account with Lowes ( also a synchrony account ). How could the same bank say I qualified, but also say I dont qualify, but also say I do qualify, but that they were now not offering the settlement. It is depressingly embarrassing to be in debt, and I am not trying to run from this debt. I'm trying to settle it. I'm doing the best I can, and I'm willing to work with them, but for some reason the care credit representatives can't give me a straight answer.
Product: Credit card or prepaid card

I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help
Product: Credit card or prepaid card

I have a Bank of America Credit Card that I have had over 20 years without making late payments. The credit line was {$25000.00}. On XX/XX/XXXX I made a XXXX payment to my card. I was planning on using the card to make some payments and other purchases. I called Bank of America on XX/XX/XXXX to conduct a balance transfer. After speaking to several people they lowered by credit limit from XXXX to XXXX. They said this was based on new information obtain. I did not authorize a new credit request. I believe I have been a victim Fair Lending violation, Unfair and Deceptive Acts and Practices violations, ECOA violation, and FCRA violation. When they transferred me to the Balance transfer department no disclosure were given to me to state credit was being used or new credit decision was being made. I did not authorize Bank of America to pull my credit again. I believe this is an Unfair, Deceptive and Abusive act that was targeted at a minority. They ask if I was employed and current income. I told the customer service person I did not want to initiate a new credit request. I only access the credit limit that was established. Bank if America has created an extreme hardship and will cause not to meet some obligations. I called several time and no one was willing to assist me. This is negatively impacting me personally, professionally and my business.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are reporting inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$210000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NAVIENT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

OnXX/XX/2023 I signed a lease with XXXX Volvo in XXXX for a XXXX XXXXXXXX XXXX. The salesman gave me a lease agreement ( signed by the manager ) that stated the selling price of the vehicle was price was {$57000.00} and the net CAP cost was {$55000.00} after the Federal EV Rebate and Teacher Rebate.

The same day, I went to sign for official lease when I saw that the selling price is now {$59000.00} ( an increase of {$1900.00} ) and net CAP cost was {$55000.00}. I saw the price increase and asked the finance manager about it as that was not what we agreed upon. The finance manager then went to checked with the general manager, and she assured me that the reason for the selling price increase was due to the " tax on the federal rebate ''. I called back when I was home to have them re-explain this discrepancy to me, as I found it to be suspicious that there was a tax on the tax rebate, and they told me that " they'll check on it and get back to me ''. It's been 4 months and no communication from the dealership. 

On XX/XX/XXXX, I wanted to buy-out the lease. I contacted Volvo Car Financial Services ( VCFS ) and the cost of the buyout came to {$59000.00}. This total included a {$3900.00} in sales tax. According to the lease agreement, contract obligation already included a sales tax of {$3100.00}. After communicating why there are two sales tax included in the buyout, VCFS claimed a variety of reasons why this was the case, from " the dealership already paid the taxes '' to " you need to be reimbursed by the state of Illinois. '' Please see the " buyout messages '' PDF for the conversation between the me ( Customer ) and the VCFS representative XXXX XXXX XXXX XXXX ). I also contacted the finance manager ( XXXX ) at Volvo XXXX in XXXX for information about why there were two sales tax when I wanted to buyout the lease on XX/XX/XXXX, hoping they can explain to me why that is, and they did not reply.
Product: Credit card or prepaid card

I apply to be in XXXX class at XXXX XXXX XXXX  and XXXX suggtion because of my education was from out of USA and have to Foreigh educatioal credential evaluation trsalation service at XXXX XXXX XXXX. I did pay {$440.00}XXXX XXXX for Foreigh Educatioal credential evaluated complited, But XXXX XXXX XXXX did not keep thire promise and did NOT do the job that what I request list for XXXX XXXX XXXX. I asking to refund and dispute payment from Capital one, the crecit card card did not solve the problem. 

Please help me out with paying {$440.00}., From Cpital one Account # XXXX.plese let me know if you have any question, Thank you in advense for your help and assistancce, Respectfully XXXX XXXX
Product: Debt collection

Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. <P/><P/>Why am I receiving this notice? <P/><P/>The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we  received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. <P/>What is garnishment? <P/>Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. <P/><P/><P/>The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. <P/>When you know a warrant has been issued, you should E-mail us on to discuss your options. <P/>After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. <P/><P/>IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. <P/><P/>Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE
Product: Debt collection

Dear Rep, I made a complaint to the CFPB last year. You can look at my previous complaint or see Case # : XXXX. 

My complaint revolves around a Judgement that Midland fraudulently obtained using False Affidavits. 

I have written Midland XXXX attorneys - XXXX XXXX XXXX XXXX XXXX personally and through my attorney to throw out the judgement based on their Consent Agreement with the CFBP. I don't want to go through the details of the 63 page consent order but MidlandXXXX used false affidavits See Paragraph XXXX of Consent Order below and Did not have original account level documentation See Paragraph XXXX. 

Also See Paragraph XXXX For the Dispute Affidavit Lawsuit Debt that has yet to be collected, expected to total more than {$120.00}, ooo, ooo, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

See 2 Consent Orders Below : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-encore-capital-group.pdf https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-lawsuit-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/
Product: Debt collection

Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 XXXX XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

My planned cruise expected to sail XX/XX/XXXX through XX/XX/XXXX was completely cancelled 2 days prior to sailing. The cancellation was a result of a mandate from the US government to prohibit all sailings by law due to COVID-19. This was something 100 % outside of my control and I had every intention of attending the cruise until the cancellation. The transaction is valid and this is not a case of fraud, but the fact of the matter is the entire cruise was cancelled and the company is refusing to provide a cash refund. Not only is Celebrity acting unethically but this can be questioned legally, by not providing cash refunds for a trip that never occurred. Ive requested twice over dispute for Barclays to resolve this and theyve been of no assistance. Ive sent several documents and supporting details capturing the details around the cancelled cruise.
Product: Credit card or prepaid card

For 5 years now I been getting denied for bank accounts and also for major credit card fraud back in 2010 I was XXXX and XXXX for my property back in XXXX, since then my SS # been in play, I gotten bills from XXXX company that I never applied for, I need help making this go away, please.
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. 


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX-XXXX XXXX # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe in the month of  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
Product: Money transfer, virtual currency, or money service

I tried to transfer money between two Bank of America accounts using their web site. The transaction was prohibited UNLESS i had a debit card. However, I do not have and I do not want a debit card. In the past it was possible to make transfers, but they have now added this restriction. I was told that I could visit a bank branch and conduct a wire transfer for a {$30.00} transaction fee. But I would greatly prefer to not do that either. 

It seems it is easy to deposit money, but moving money - even between accounts within their own bank branches- is now impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid mY Macys account in full XX/XX/2019 I also made my monthly payment before I paid it in full XX/XX/XXXX. I paid XXXX my account credit limit was 1,000 they decrease my limit to 300. Its paid in full and they still have not reported it to the 3 bureaus o called and they told me another department handles that and I could t speak to them. This is clear sabatoge decrease my limit then I pay them in ful they dont report it. Shows I have used 96 %. Of my credit to keep my score compromised. I want it report as paid in full on all 3 reports
Product: Credit reporting or other personal consumer reports

I have attempted to find contact details for all three credit reporting agencies to send in secure documentation proving my change of name. All three purposely ensure no email addresses or fax numbers are available on their websites. They each require that I send physical copies unencrypted through the post to get my name changed. Given the poor handling of customer data in recent leaks surely something can be done to bring these companies into the 21 century. I'm even happy to use a fax, if they so desperately need to relive the XXXX I was there, it wasn't great. 

Our lives depend on good credit scores tracked by agencies we did not opt in to using. The very least they could do is make managing our data possible. Phone calls to the agencies lead to a phone menu loop. Clicking on " contact us '' pages lead to a menu loop ( even the links that say click here for email ). Digital document uploads mysteriously fail every despite being well under the file size limit and being a supported ( allegedly ) filed type. Somebody needs to give these animals a swift kick in the taint to get them back on track. Any help this office can provide would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.
Product: Credit reporting or other personal consumer reports

XXXX credit card is XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/year> to XX/XX/year>. I call on the company XXXX  to make full payment of {$190.00} on or before XX/XX/year> and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only three small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect.
Product: Debt collection

Fair Collections & Outsourcing Inc. has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Fair Collections & Outsourcing Inc. failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by American Arbitration Association. 


Fair Collections & Outsourcing has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.