23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF ILLINOIS, asking do they report bankruptcies to the credit bureaus and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did the credit bureaus verify this allege bankruptcy as a 100 % ACCURATE. They never did a Proper and fair investigation according to the Fair Credit Reporting Act 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) ; The term ''INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

the credit bureaus violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy.

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 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 card or prepaid card

Bank of america claims I cashed a secured credit card check 2 years ago I did not. 

It is a fraud and no one at bank of america will help me
Product: Credit reporting or other personal consumer reports

I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/22 and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account Number:XXXX
Product: Checking or savings account

Please note that I have been a Citi gold client for decades prior to this. On XX/XX/XXXX, Citibank advised me, via a letter, that all my bank and investment accounts were being cancelled. No reason was given and subsequent phone calls either went unanswered or to an employee that could provide no information. I also went to my bank branch and dealt with my client services manager who told me that this has been a " wholesale purging '' of clients and that it was way above the bank 's ability to intervene or gain information on this dilemma. Within days, I responded to XXXX XXXX XXXX, who initiated transfer of my assets regarding savings, checking and my multiple investments. Citibank actually had the gall to charge me for these forced transfers ( {$75.00} each ). I left for an overseas vacation shortly after XXXX XXXX XXXX, returning on XX/XX/XXXX. Shortly thereafter, I was advised, via letter, that my XXXX credit cards with Citibank have also been cancelled. Please note, once again, no reason was given, despite my meticulous record of payments for years with them. In their short notice, I was told I may write to receive a specific statement of reasons why my account was closed. Furthermore, {$77.00} in earned Dividend dollars and XXXX in THANK YOU points ( value {$260.00} ) will not be returned to me. My third Citibank card, an L.L. Bean Mastercard, despite being cancelled, offered 30 days to use my points ( XXXX {$0.00} XXXX ). As instructed, I immediately sent a letter to the Citibank address on these letters. I received three responses this week, each saying practically nothing regarding reasons or answering why they were keeping a total of {$340.00} of money that I earned on the two above mentioned cards. I violated no terms on either of these credit cards.
Product: Credit card or prepaid card

I had a chase credit card that was linked to a bank account that I no longer used. I made a purchase with the chase account and made payments in XXXX, XXXX and XXXX on the account. Each time I sent the payment, Chase sent an e-mail stating that my payments had posted. In XX/XX/XXXX I logged onto my account and to my surprise, it said that I was 30 days late and owed a whopping {$90.00}. I then realized that my current XXXX bank account was not linked to the Chase card, therefore the XXXX - XXXX payments were being returned due to insufficient funds in my old bank account. A month after the payment was made my credit score went up, so I thought that it was no big deal ( since I have never been late on a payment in my life ). Today, I received a credit report through XXXX that said my credit score dropped. Over the course of 6 weeks my score went from XXXX to XXXX. I was told it was due to the late {$90.00} payment. I called Chase to rectify the situation since I obviously tried to make the payments and they did not send me a message that indicated that my payments were being returned. The supervisor stated that since it had been 90 days since the payment was late, there was nothing they could do. I believe this is unfair since I had no idea that it was going to negatively effect my credit score.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX  : Received a phone call from XXXX from Portfolio Recovery Associates. Supposedly her last name is XXXX. They have identified the wrong person, I owe no doubts to such a company. Asked to be removed from their list.
Product: Money transfer, virtual currency, or money service

Before reading the rest I want to say the screenshots provided are from me and some are from my partner. She was able to provide more pictures for evidence. Also the scammer had a XXXX add for a house and then he said that one was not available anymore and gave my partner another property and sent her images. The company they were pretending to be is an actual company that leases the house but he was not part of their company. 


I got scammed trying to rent a house through a XXXX ad. We just spoke over the phone and had a tour of the house while we spoke with I thought was the landlord at the time but happened to be a scammer. I sent my funds through XXXX and XXXX XXXX and after I found out it was a scam. The funds were sent XX/XX/24 After I found out it was a scam the next day XX/XX/24 I called my bank and I was able to get one payment back which was the one that I sent through XXXX which was {$310.00}. But my bank started and investigation and told me to wait XXXX business days. 

I got a paper in the mail yesterday saying that there was nothing they could do to get the fund back and that they were not going to do anything about it. They told me to call XXXX but XXXX was not able to help they just told me to contact my bank. 


The scammer gave us a fake lease and a ID that was not him.
Product: Credit card

This is re Synchrony Care Credit. They are predatory and shady. I opened a card years ago while my dog was in the XXXX. I used this card for years as the XXXX card if needed as well as for a XXXX for myself. I always paid. Then I started having online access issues. I could not get into the website XXXX  my account. I tried many many times. I finally called and was routed to someone who spoke very little XXXX. I explained my issue. She said if I made a payment she would give me access. I did and access was still not available. They gave me numbers to call which I did and never was able to receive access to my account. This went on for weeks. I eventually gave up out of sheer frustration and no idea who could help me. I am now being sued for {$5500.00}. I will likely need to file bankruptcy now. I am a single parent who kept up on my bills. until this happened with them. 
I have been hearing of many complaints of accounts being closed without notice, rates being changed, rates as high as 30 % and more. These complaints can be seen online where they advertise. I think they need to be looked into. They are XXXX  over thousands of customers.
Product: Credit reporting or other personal consumer reports

By 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 servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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: Debt collection

Hi, I have a rental reservation on XX/XX/2021 at XXXX XXXX. When I arrive at the rental location, there is a huge line waiting for my reserved car, which took me about 2 and half hours to get my car. When it is my turn, the representative told me they do not have a similar level rental car that I reserved, and asked me to wait about an hour to get a car I reserved at XXXX XXXX, which is not reasonable. 

After my complaint, the representative agrees to give me another car to drive. The car is noisy and shaking when I was driving, which made me really uncomfortable and felt unsafe to drive the car, so I had to return to the rental location just after XXXX and half hours. 

After I returned my car, I noticed my return rental agreement had a charge of {$83.00} showing it is for a vehicle upgrade. I do not get any information before I have to pay this fee, and I do not agree it is my responsibility to upgrade the car because of the insufficient stocked car at the location. I contact XXXX several times and wish XXXX could solve this problem for me, but they never respond to my message. 

I do not believe I should be charged for this bill amount. 

Thank you.
Product: Credit card or prepaid card

I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, this inaccurate entries remain unaddressed. 
Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 
Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, XXXX and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court.  However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Wells Fargo in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Product: Debt collection

I was notified through email that I had a new negative credit alert. I checked the alert and it said that I have been sent to collections with Jefferson Capital for {$9400.00} on XX/XX/XXXX. The original debt was apparently placed through XXXX XXXX  on XX/XX/XXXX. I did not open this account and was not aware of the account until XX/XX/XXXX. I have notified Jefferson Capital and Filed a dispute and I also filed a dispute through XXXX. 

I have not received any documentation about the debt aside from the credit alert on XXXX.
Product: Credit card

I submitted a dispute to Wells Fargo. I was charged for something that was the wrong product and I returned it. I submitted the email sent from XXXX and the tracking for the product I returned. Wells Fargo have not handled my dispute properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX XXXX $ XXXX Late Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX through a XXXXXXXX XXXX. And wire transfer the money through my bank account ( chase Bank ) once I called to confirm the order with the company, I ordered from they stopped answering so I contacted the bank the second day and they claimed that they can't stop the payment
Product: Credit card

I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!
Product: Debt collection

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 90 plus days of no response. I have disputed this alleged debt and car was awarded to my ex wife back in XXXX with Santander Consumer USA was told that debt would be transferred to ex but been on my reports for over 8yrs and the XXXX credit reporting agency. I was told by the representative at Santander Consumer USA that they do not have to show me proof of debt .Last communication via phone call was on XX/XX/XXXX.
Product: Checking or savings account

ACCOUNT LIMITED TO WITHDRAWAL AMOUNT OF ONLY XXXX INSTEAD OF XXXX WITHIN 24 HOURS IT HAS BEEN MORE THAN A YEAR REPORTED IT TO BANCO POPULAR OVER THE PHONE AND AT A BRANCH SITUATION PERSISTS
Product: Debt collection

Ability Recovery Services is a debt collection Agency, located at XXXX XXXX XXXX, XXXX, XXXX or XXXX. XXXX XXXX in XXXX, XXXX, XXXX. The collect for XXXX XXXX located in XXXX The XXXX XXXX XXXX XXXX XXXX, GA XXXX. Sometime last year 2017 around XXXX, I was considering attending XXXX XXXX for their travel program. My mom got deathly ill and I never started. Well I received a bill from Ability stating that I owed {$800.00} ( and some change ) to them on behalf of XXXX. I told them I never started so I did not owe anything. They said since I didnt cancell, I owed but I could settle for {$310.00}. So I paid the {$310.00} on XX/XX/XXXX ( which was before 30 days ), so it would not go on my credit report. Once I received my credit report it showed I owed {$800.00}. I called Ability to ask them for a receipt to be sent to me via email to show I no longer owe any money on this account # XXXX. My account rep began to say he could not remove the {$800.00} off my credit report and lied to me that I would receive a paid receipt. Luckily I paid with a credit card and can show proof. He refused to update my credit report with the damaging information and was very nasty and rude and hung up on me. I have filed a dispute but am filing a report for fraud. I work in the legal capacity and this company should be shut down. A lot of complaints from others.
Product: Credit reporting or other personal consumer reports

In Missouri, the statute of limitations for deficiency on a car loan after repossession or voluntary surrender is 4 years, this creditor is reporting missed payments up until this month when the account has been closed since XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to forms 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 me that recovering lost funds was 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, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.