23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CareCredit, by Syncrony Bank has a predatory practice in the way they time their payment reminders. In my case the payment due date is the XXXX. When the XXXX XXXX XXXX XXXX XXXX  XXXX, they immediately charge a late fee of {$30.00} or XXXX. They do not even give a XXXX day grace period. But my specific complaint is that they do not give you any payment reminder whatsoever before your payment is due. They wait until the XXXX when the late fee is charged to your account, and then XXXX or XXXX days later they send you the following text message : " Carecredit courtesy reminder. Make payment .... '' If this was actually a courtesy reminder, why wouldn't they send you this text reminder XXXX day BEFORE your payment was due? The only logical answer is that this is very purposely engineered that they give you no reminders before you payment is due because they are hoping to be able to charge you a late fee. There is no other reason why they would wait until XXXX day after the late fee is charged to give you a " courtesy reminder '' to make a payment, except that the timing is very much deliberate because it results in them collecting more late fees. 

If you take into consideration that I am someone with close to an XXXX XXXX XXXX who has no derogatory marks on my credit because I am careful to pay all my debts, but even someone like me, since I have a lot of credit cards sometimes miss a due date and am XXXX or 2 days late and this has affected me already 4 times this year, XXXX how many of their customers are being charged these late fees because of their deliberate practice of giving you NO PAYMENT REMINDERS until AFTER your payment due date, combined with the fact that they immediately charge you a late fee at XXXX, with XXXX grace period. This is a predatory banking practice that is purposely harming their customers. When I pointed this out to them they removed only one late payment and had no answer to why there are no reminders sent before, only after late fees are assessed. 

Dates is that I was charged a late fee are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year. In every case you can see I made the payment on the XXXX and was still charged a late fee.
Product: Debt collection

I received correspondence from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, original account number XXXX, MCM account number XXXX, stating that if I do not pay {$1700.00} by XX/XX/2018, they intend to litigate this case with an attorney. 

I do not feel I owe this debt, for reasons that I will reveal if they litigate and this case goes to court, or if they get an illegal judgment, without going through all the proper procedures. 

I did not contact them, because a collection agency is not interested in helping me, but only wants to find out if I have any assets, so they can, " nail them '', before anyone else does. In my case, even if they litigate and win, I have nothing that they can get from me.
Product: Payday loan, title loan, personal loan, or advance loan

This company was notified that the provider did not render any services and attempted to modify and add terms after receiving funding. 

They also tried to redirect me to a different provider entity at a different location for the promised services. 

These actions indicate an intentional effort to defraud customers out of deposits. XXXX XXXX has been made aware of these deceptive practices but has chosen to continue its business relationship with this provider, effectively aligning itself with these fraudulent actions against unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, XXXX and Experian. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
Product: Debt collection

I received a phone from Portfolio Recovery Associates regarding a debt they said I owed XXXX XXXX they said they account was open XX/XX/2011, the collector also informed me because of the age of the account they could not suit me. I told them I didn't open an account with XXXX  XXXX in XX/XX/2011 and I requested a Validation of debt, I never received anything. Time passed and they call again and again I requested a Validation of debt and I were disputing the charges. They send a statement saying they received electronic records from XXXX XXXX. I disputed the charge with the 3 credit  bureaus and XXXX XXXX XXXX still would not remove this from my reports. I recently send a written requested for Validation of debt. Also they are re-aging this account. I informed them that I was aware of my rights as a consumer, and it was a serious violation to re-age accounts.
Product: Debt collection

This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this
Product: Checking or savings account

I REVIEWED MY ACCOUNT AND FOUND THAT THE BANK CHARGED ME FOR 5 ATM TRANSACTION FEES ON ONE DAY AND I HAD NO ATM WITHDRAWALS. I SHOULD NOT BE CHARGED FOR MULTIPLE TRANSACTION FEES ON A DAY WHEN I HAD NO ATM ACTIVITY
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. On XX/XX/XXXX my personal identifying information missing and I had to replace the missing items : Drivers License, Birth Certificate, SSN card, Tax documents, Insurance card. 

I check my credit report and didn't see anything alarming, but in XXXX of XXXX I did see unrecognizable accounts. I immediately disputed these accounts this XXXX, XXXX, and Experian. The accounts were completely removed, no problems. 

On XXXX I applied for my third XXXX XXXX apartment, and I was denied. As I asked for my information to be furnished and I see the successfully disputed account showing up on a credit report, Experian RentBureau. The account and addresses is still listed as being reported. 

This error is preventing me from moving into an apartment. I need this situation rectified immediately. I have proof of police report and FTC report!!! Please remove asap.
Product: Credit card or prepaid card

XX/XX/XXXX I applied for Chase slate credit card I was approved & soon I received my card, I started using the card for shopping and making balance transfers, suddenly on XX/XX/XXXX I received a letter form Chase card member services sating that the account is closed, I was extremely shocked I tried calling the 800 number and finally I was able to speak with a customer representative and he explained to me that the reason they closed my account was that they saw in their files that there are XXXX delinquent credit card accounts from XXXX & XXXX under my name I explained to the person on the phone that how can that be this is something impossible since I only Immigrated to USA on XX/XX/XXXXalong with my family etc. He answered that the Chase bank has take decision to close the account and there is nothing I can do about it..I wrote a letter to them providing information about the Identity theft that was a victim of and provided police report and wrote a rebuttal letter explaining to them that again that I am a ID theft victim and I dont have anything to do with the accounts opened back in XXXX & XXXX I did not authorize anyone to open accounts in my name I dont have only in XX/XX/XXXX applied for chase slate credit card I never dealt with Chase bank or Chase credit card before. 
Until now there is no action from chase to reopen my account.
Product: Credit card or prepaid card

This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my OLD OLD NAVY CARD, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXX
Product: Credit reporting

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX bank 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 instructions.
Product: Debt collection

I paid my balance in full to the client on XXXX/XXXX/2015. I received a letter on XX/XX/2015 stating if I did not pay they would suspend my license, or garnish my wages. The letter also stated I owed the balance in full as of the date of the letter. The letter was dated XXXX/XXXX/15.
Product: Debt collection

My info was part of a data breach with XXXX. It took years before I realized my info was stolen. I tried to get the collections removed, but didnt know these accounts were due to the data breach at the time. I believe the collections were sold to third parties. 

Plaza Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear I C SYSTEM, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that I C SYSTEM immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that I C SYSTEM will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
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. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I paid off the balance so that I could receive the funds in reserve for my Credit Builder Loan. The loan was to put aside funds in a reserve and once paid off they would be released to my account. The payment was processed and was said to take up to 14 days to be received. I contacted Moneylion on several occasions in XXXX via chat and email. The only response I have been given is a dedicated team is looking into it. Tried to get more information today ( XXXX ) via chat and phone call and still being told the same thing. No one can give me any answers and they said that they are not allowed to let us speak with the team reviewing the issue, nor can anyone tell us what the issue is.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for their failure to respond to a dispute letter that I mailed on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I requested investigations into entries for XXXX XXXX - XXXX, XXXX XXXX  - 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 XXXXXXXX, and incorrect addresses. 

Despite mailing the dispute letter, I did not receive any response from Equifax with investigation results. This failure to respond violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to conduct a proper investigation.
Product: Prepaid card

I just received today a message of three transactions on my Credit Karma card, tried to stop it and to call the company and nothing is working
Product: Student loan

Myself XXXX XXXX ( XXXX ). and my husband XXXX XXXX ( XXXX ) both have loans with Mohela. On XX/XX/XXXX they received a discharge list with our names for XXXX. Our loans are not being updated. They are sitting there. 

After several attempts we get the same response or a clueless response. It will take XXXX days to process. On one occasion we are told they need to send the list to Department of Education for review. However, this is false. The Department of Education sent our names in a file to them on XX/XX/XXXX. I have an Obudsman from the Department that contacted us the day our file was sent for discharge. I was told it would take a couple of weeks. 

Nothing has been done and it is over a month. 

This nightmare has gone on far too long.
Product: Checking or savings account

On XX/XX/XXXX I tried to electronically cash a check made out to me by a business. 

The app accepted the check and stated funds would clear the next day. 

On XX/XX/XXXX i got an email saying the check was denied but no reason why, i made contact with Chime via Phone and they couldn't assist me and told me to email them, i sent multiple emails with no replies. 

I have had this problem multiple times with Chime, they for some reason offer check deposits but do not honor them and when questioned have no answer, this is a big concern for me. 

To date i still have not received any correspondence or contact regarding this problem from Chime.
Product: Checking or savings account

I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office. 

This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more information.