23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.
Product: Checking or savings account

XX/XX/year> : I reported an unauthorized charge for {$39.00}, Citibank replaced my card the following day. 
XX/XX/year> : I received my tax refund, since then Citibank has been freezing my account and declining transactions, whenever I called they stated everything was fine. Though it wasnt. 
XX/XX/year> : I called and reported the account declining transactions and they told me my account was up for review and now I needed to wait XXXX to XXXX hours and they would expedite it. 
XX/XX/year> : I called again since they told me it was expedited and expectation that it would just be the XXXX hours. They stated that they cant disclose any information to me about the review and my account can be used as normal even though I keep getting declined transactions. 
XX/XX/year> : the XXXX hours has passed. And they stated that I need to wait XXXX business hours so now its Monday that the account will be frozen until, and they will be mailing me the reason as to why the review happened in the first place. Since then, I have been charged XXXX bounced payment fees that I am now responsible for and have no reason to give. 
This is my house payment and its a tiny home that can be repossessed and I have no reasoning to give them. So I am responsible for {$50.00} a day until its paid on the XXXX day they come and repossessed my home. It has now been 4 days, which is {$200.00} and it will be at {$300.00} by the time Monday comes around. Why should I be responsible for Citibank freezing my account without any notification to me at all and then making me wait for an answer as to why on top of declining transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXXXXXX XXXX. and XXXXXXXX XXXX. on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Product: Credit card

My credit card with American Express ( card no. XXXX ) went delinquent due to income drop and recent ( XXXX ) unemployment. Nonetheless the account was paid up-to-date, as of the last billing or at least I thought. Thought sometimes late payments were made according to the billing received ( last paid XX/XX/XXXX ) and according to the billing the account is not overdue. In retrospect while I am being billed the account was placed with a collection agency XXXX XXXX XXXX. I wrote them XXXX XXXX, offering a payment arrangement and requesting a lowering of the interest rate that American Expressed increased to 27 %. 
That went nowhere, while at the same time I paid American Express according to their billing. Then I received notice from a XXXX firm ( XXXX XXXX XXXX, XXXX. ) XX/XX/XXXX. They were requesting that I contact them to discuss repayment of the debt that I am paying to American Express. I called American Express and got a recording to call the attorney 's office. I called the Attorney 's office on XX/XX/XXXX between the hours of XXXX Est. and XXXX Est. and was transferred countless times, and left on hold for over XXXX minutes. I called them again today XX/XX/XXXX between XXXX and XXXX. I was transferred at least XXXX times and again left holding the phone for over 10 minutes. At this point, American Express is billing me but not taking my calls, calls to the attorneys office are an exercise in futility, and I am concerned about an attorney suing me, while American express is billing me and I am making an attempt to repay this debt.
Product: Debt collection

On XX/XX/, I received an email notification informing me about a collection debt of {$840.00} on my account. I was taken aback as I had never received any prior communication regarding this debt, not even from the collection agency. I found out about it only when I saw it on my credit report. 

When I called the collection agency, they asked me for my phone number to locate my account, but they couldn't find anything on their system. They then asked me for my social security number to search for the account, but even with that information, they were unable to locate it. The person on the phone hung up on me after that. 

I called again and spoke to someone else, but they were also unable to find any information about my account. However, this time, the person did not hang up on me. They said they would create a case for me and get back to me in 2 to 3 days, but I have not heard anything yet. 

I am in urgent need of help to get this debt removed from my account.
Product: Credit card or prepaid card

Synchrony Bank is engaging in communication tactics and not resolving a billing dispute. 

They are not answering my emails. The email given on a letter of XX/XX/21 was XXXX which I have contacted many times without a response. They know it is a delivery issue but they are deliberately not pursuing that in their investigation and producing voluminous evidence that doesn't relate.. They are using another Synchrony Credit Card ( TjX Rewards ) which I have used for many years to harass me about the bill/dispute in question on the Synchrony Lowes Credit Card XXXX Account ending XXXX ). 

I purchased a refrigerator from Lowes ( Lowe 's Synchrony credit card ) and it was delivered extensively damaging the house wall and the refrigerator handle. 

I was told to not contact the store but the delivery people. The delivery people said to contact the store. I set many appointments ( at least 4 ) to have the areas fixed but no one ever showed up causing my renter to incur accumulated lost work time and pay as well as causing the problem to continue.
Product: Vehicle loan or lease

Mercedes finance demanding {$1800.00} for excess wear of the car..it is false claim ... both in the items they describe and the cost per item. 

Ps ; The finance company verified that the spare key was misplaced by the dealership and removed it from the claim Their demand now stands at {$1200.00}. 

It is still unreasonable.
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 ) Are reporting inaccuracies According to 15 USC 1681s-2 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 incomplete or inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Once we received paperwork, our interest rates and fees were much higher than expected. Been paying on this loan for over 20 years now and still not paid off. We recently paid a large payment. There was around {$2000.00} left on this account. We asked if there was any way it could be forgiven and we were told no. We asked if our payment could be lowered, and we were told no. No one at XXXX has been willing to help us.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately 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 XXXXXXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX XXXX
Product: Credit reporting

I had a debt from XXXX XXXX Bank and XXXX credit purchased it as a collection account. I was taken to the local XXXX by XXXX, and he ruled in their favor, but not for the {$1500.00} that they stated that i owe. I only owe just over {$1100.00}, the amount the XXXX granted them. I sent the dispute to Transunion to correct, with all the proof necessary to correct it, and I recieved paperwork back saying it would n't be removed until 2021. I need your help in getting this removed as being incorrect. I will send any necessary paperwork you need.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelles handling of disputes, especially in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which exposes significant issues with the platform. Despite using Zelle extensively and reporting discrepancies, neither my financial institution nor Zelle took adequate action to investigate my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and highlights serious deficiencies in consumer protection.
Product: Debt collection

I am filing a complaint against Receivable Management Alleged Original Creditor XXXX XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The alleged original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Receivable Management, acting on behalf of XXXX XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, Receivable Management has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Receivable Management has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, Receivable Management has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court ruled that the debt collector violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court found that the debt collector failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX and Receivable Management cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that Receivable Management be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement. Cease and desist all communication. All communication including reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.
Product: Vehicle loan or lease

on XX/XX/XXXX notified 53 bank  about loan extension due to Covid 19, received email back on XX/XX/XXXX, wrote letter per their terms requesting 90 days. on XX/XX/XXXX I wrote again as I had not received an answer, the one week later made phone call go branch office, could not get through on the phone number they posted. girl who answered apologized and said if I got a response I was OK, not to worry. 
XX/XX/XXXX I finally get a letter stating as shown below : " We have submitted your loan request for our 90 day payment deferral, with no late fees payment application. Deferred payments will be moved to the end of your loan and your maturity date will be extended three months. '' then I get a letter today dated XXXX stating I we late fees, and it will effect my credit. checking my FICO it fell 26 points! I have had no problem with other accounts, only these guys. so I wrote again today, see attached : " what is this XXXX about charging me a late fee and showing a late payment? I first contacted you on XX/XX/XXXX, not my fault you are the only ones overwhelmed. Please restore my payment history to no late payments, and credit my account the userous late fee. I am very disappointed in your service, is this how you treat Americans in a pandemic? Please note in paragraph two above no late fees! You also say no further attention is needed than I get an letter from you making me sign an agreement. call me XXXX ASAP! '' my FICO fell 26 points from XXXX to XXXX! 
thank you, I am sure I am not the only one they lied to! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I received two AMEX gift cards as honoraria. I successfully used a portion of the first one once at XXXX 's online in early XXXX, but XXXX 's will no longer accept them. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I honestly find I can't use these cards anywhere. 

These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store will accept a card they can't swipe. I asked for physical cards to replace the virtual cards and was told that they could not be offered. I can not use the cards in XXXX wallet, at XXXX, at XXXX -- no one will take these cards. 

I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a refund.

This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Bank account or service

My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!