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

Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. 

Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. 

Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. 

The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. 

Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. 

Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. 

Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. 

As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. 

CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. 

Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. 

XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation.

Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.
Product: Student loan

My loan was transferred to Nelnet. I was not notified. Upon looking a bank statements I realized my auto pay was not being taken out. I contacted the original loan holder who said my loan was transferred. I have never been late on a payment. I contacted Nelnet and they said my payment was late and they would waive my late fee. They asked if I wanted to set up auto pay and I agreed. I just called them to find out why the withdrawal never came out of my account and they told me I didnt follow the email. They never told me about an email. They took the one payment without an issue. I explained to the manager XXXX   from XXXX, Nebraska who informed me that even if she listened to the recording of my first call when I set up a payment and auto pay, and found that I wasnt informed on how to set up auto pay I would still not get my late fee back even if I wasnt told about the process when I was under the impression that it was set up considering I had given them all my banking information checking number and routing. So even if they were wrong in conveying the steps I was still paying a late fee. I have never been late on a payment before having to deal with Nelnet
Product: Credit card

On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.
Product: Student loan

I chose to get a parent plus loan for my daughter of {$3500.00}. It was time to repay the loan. I also had to reapply for income driven repayment plan and my payment went from {$250.00} to {$890.00}. When I called to ask why the increase was so high Navient stated that it was because I consolidated my loans with the parent plus loan. I explained to Navient that this was recommended by Navient. The CSR I  spoke with stated that I shouldn't have listened to the recommendation. I also was told that I could go to income driven repayment program but that it would eliminate me from the forgiveness plan which I have been a part of for over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : 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 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 Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
Product: Credit card

I submitted a billing dispute ( Claim XXXX ) on XX/XX/XXXX for an overcharged amount from XXXXXXXX XXXX XXXX. Wells Fargo contacted me by phone a couple of days following the submission to request additional information. I provided the requested documents, but the dispute is still sitting in the initiated state. This means the associated charge remains active on my account and is included in my total balance and minimum required payment amount. There's no reason why the claim should not have ( at minimum ) moved into the processing phase by now given the ample supporting evidence I supplied over a week ago. The overcharged amount that's in dispute is nearly {$1000.00}, which I'm apparently responsible for as part of my total balance until the card issuer begins processing the dispute.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and EQUIFAX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$8100.00}
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX They are attempting to collect a debt from XXXX XXXX Bank dated XX/XX/year>. I dont know what this debt was for or even opening an account with XXXX XXXX XXXX  XXXX They are requesting documentation from me. This is clearly past the statute of limitations.
Product: Debt collection

ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX ATTENTION : GENERAL MANAGER REFERENCE : XXXX SUBJECT : XXXX XXXX XXXX  I, XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX I am receipt of a letter that is dated on XXXX XXXX in regards to an alleged debt that is owed to XXXX XXXX XXXXXXXX XXXX  in the amount of {$2600.00}. 

I reviewed the letter and noticed that the date it was sent to me in XX/XX/2022. The letter had a completely different day to respond back to dispute the debt. The date in three areas are XX/XX/2022. 

How can I respond to a correspondence that is sent to me on XX/XX/2022 and it has XX/XX/2022 to respond back? 

I think this some type of scam and very suspicious an I want a complete investigation regarding ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX practice of doing business with consumers. 

Why would I receive a letter instructing me to pay for alleged debt when all the information is different regarding how to dispute the matter? 

I know in midst of this Covid-19 era they have been loads of scams running around the country defrauding consumers. 


Please review all attached documents. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account through XXXX  insurance. The total shorn on my report was XXXX XXXX When I called XXXX  there was no single debt for that amount but there was XXXX  old debts that added up to roughly that amount. I paid them both and made sure there was no other debts owed. They agreed to remove it from my report. Transunion has performed XXXX  disputes since then and still shows I owe it. I appear to be stuck in a loop. If a debt never existed for that amount and I paid off what was actually there, how can this remain accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXXXXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXXXXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding XXXX misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.
Product: Debt collection

XX/XX/21 XXXX XXXX called me while I am high risk and XXXX harassing me about a {$6000.00} debt that my father supposedly owe. I have nothing to do with my fathers expenses nor do I live with him. He was threatening me with bringing both my dad and I to court when Im not even on the debt or have anything to do with it. He was threatening to seize my dads property saying that its illegal as my deceased mom is still on it. He caused me such distress with his antics, threats and harassment that I ended up in the ER due to him causing me a XXXX XXXX and my XXXX racing. He even told me to pay {$4000.00} as a settlement to have this just go away when the debt has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' Remove XXXX  XXXX account from credit report immediately
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : DISCOVER BANK, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries, I sent Equifax via certified letter tracking number XXXX XXXX XXXX XXXX XXXX which was delivered on XX/XX/XXXX @ XXXX XXXX identifying 19 Unauthorized inquires they refused to investigate or validate these, yet XXXX  has deleted all these Authorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Equifax has violated my rights under the Fair Credit Reporting Act
Product: Debt collection

I received an alert that a collection from OppLoans for a loan debt was placed on my credit report. I then contacted OppLoans for more information and told them that I never applied for a loan with them and the loan was a result of identity theft. I filed an identity theft claim with the Federal Trade Commission stating that, I received a phone call from a collections agency known as Fair Collections and Outsourcing saying that they were a debt collector attempting to collect a loan debt. I had no knowledge of this debt. They then gave me information that the account went delinquent in XX/XX/year>. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decided to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leaves me no choice but to press charges against their company for the damage they have caused to my credit report.
Product: Credit reporting or other personal consumer reports

I have a USAexperian.com account which is the account that will allow you to freeze your report which is free, some how they tried to charge me XXXX and it didn't go through, they are trying to make me pay for this service which is suppose to be free. So known I can't unfreeze my account without paying that online. They won't let me just be on the free membership, and allow me to change or unthaw me credit online.
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, has violated my rights. Account Name : US BKPT CT CA XXXX XXXX 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. 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. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.
Product: Debt collection

In XXXX of XXXX I recieved a letter from the IRS stating that we owe {$3400.00} for taxes due to a 1099-C from Chase Bank USA NA alledgedly dated XX/XX/XXXX. The debt was for XXXX that Chase states to the IRS they wrote off. Chase never provided me with any docutation to support the write nor had I had contact w/Chase Bank USA NA for several years prior. In addition this debt they wrote off was  NEVER listed on my Credit Report. I never recieved a certified letter from Chase bank for this 1099-C, they simply sent it to the IRS and not myself. In addition since this was NO LONGER on my credit report there would be no way for me to know that this debt still exisisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX account XXXX XXXX XXXX # 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 consent.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by TransUnion, XXXX, XXXX
Product: Credit card or prepaid card

XX/XX/2023 got a letter stating someone tried opening a chase freedom credit card in my name, wasn't me. Called chase canceled the app and they sent me to this site to just get you guys involved incase anything else 's happens that isn't me
Product: Checking or savings account

I received several emails from Synchrony Bank on XX/XX/19 regarding trial deposits & action required on your application ; I had not opened a new account with them so I was suspicious. I logged into my account & was able to do so but the account balances would not load ( just kept cycling " loading '' ). My co-worker has an account with them as well & the same thing is happening with her account. 

I called the main number ( XXXX ) but received an automated message saying call back during business hours ( it was during business hours ). 

I also called the credit card side of the company & was told those emails were sent out " by mistake '' but could not get any additional information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Cash app sent me an email to verify my i.d and at the time I did not have my i.d present so I hit the back button thinking I can finish it later and at that point they told me that I failed to comply and can no longer order a new debit card but I can continue using the app for transactions.