23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX has been very difficult to deal with! My dad took loans out on himself and paid off two of my three student loans. The second loan we paid off, XXXX XXXX added a charge of {$5.00}. We paid that amount just so we can clear the loan. After I contacted XXXX XXXX and they claimed that the amount was a mistake and will put that amount paid towards the loan that still has a balance. I also got an email saying the loan is paid in full. One week after, instead of removing the balance from the loan as they were supposed too, they added the {$5.00} to the loan that was paid off again! Also, they still haven't sent us a statement once we paid off two loans ; which we requested about three weeks ago. Please help us, we are beyond frustrated by dealing with XXXX XXXX and their customer representatives.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a solicitation email from TD bank in regards to a special loan offer The email specifically stated this will not impact your credit report I filled out the information and within XXXX XXXX received notice from my credit monitoring service alerting me credit has been impacted I never signed any document or promissory not to any loan I only wanted to get rates and terms
Product: Checking or savings account

On Thursday, XX/XX/2021, I attempted to close my bank account with USAA. They wouldn't allow me to close it and told me to call back at a later date. 

While waiting, USAA charged me a {$29.00} overdraft fee even though no money was overdrafted. This fee is on top of many other fees they had charged earlier in the month, the total coming out to nearly {$200.00}. 

Not only is this predatory, I believe their lack of care for resolving this issue comes from the fact that just a few months ago they paid out over {$1000.00} to me but only after having filed a previous complaint that they were overcharging me on insurance by double due to their mistake when setting up my insurance with them to begin with.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX on XX/XX/year> and within XXXX hours I received a response with them stating, The incorrect amount with American Credit Acceptance has not been changed and will remain on my credit report. I do not believe this was investigated by XXXX.
Product: Vehicle loan or lease

I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XX/XX/XXXX, EXPERIAN, AND XX/XX/XXXX WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XX/XX/XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.
Product: Credit card or prepaid card

I applied for the American Express Delta SkyMiles Platinum card on XX/XX/XXXX. When I applied, the advertised promotion ( see the attached screenshot ) was 75000 bonus miles after spending {$3000.00} in the first 90 days. While on the phone with the agent, I specifically asked him if a ) this promotion applied to applications taken over the phone rather than just online, and b ) if, were I to be approved for the card, I would receive the 75000 bonus miles promotion. He answered " Yes '' to both questions. I asked him again to verify the terms of the promotion, and he again affirmed that, upon approval of my application, I would receive the 750000 bonus miles. 

In fact, as soon as the application was completed, I received an email stating that my promotional miles would be only 50000 miles. I immediately called AmEx to lodge a complaint. I was initially told that an investigation and decision would be completed by XX/XX/XXXX. After not hearing from AmEx, I called on XX/XX/XXXX and was told that it could take up to eight weeks to complete the investigation. When I called on XX/XX/XXXX, I was told that it could take up to ninety days for the investigation to be completed. When I called on XX/XX/XXXX, I was told that AmEx had decided to award only the XXXX miles. At no point prior to XX/XX/XXXX had AmEx notified of me of that decision, and if I had not called, I would not have learned of it. 

During my conversation with the agent on XX/XX/XXXX, she told me that since the 50000 miles had already been " activated, '' there was nothing that AmEx could do about the 75000 miles. Contrary to what she implied, I have not used any of the awarded bonus miles. It is true that I did spend {$3000.00} in the first ninety days, but that only because I would not have received any bonus miles if I had not done so. 

Not only did AmEx lie about the promotional miles that I would receive, but they appear to have deliberately waited until after I spent {$3000.00} either to make a decision regarding my case or to notify me about it ( which, again, was done only after I called AmEx to inquire about the investigation 's status ). This is doubly duplicitous.
Product: Credit card

{$43.00} was to be credited to account by Amazon. They acknowledged receipt of returned merchandise. However, no credit appeared on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST XXXX SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Checking or savings account

I first called to close my retirement savings certificate of deposit in XX/XX/XXXX. The interest rate was only 0.15 % and since I wanted money for home improvement, I decided to close this account. I was told first that papers would be mailed immediately but then, after being on hold for a long time, I was told to call back the next day as he had to check security questions. That afternoon I received a letter from Wells Fargo stating that my account was inactive because I had not called them recently. My account was set up to send a check each XX/XX/XXXX and I did receive one in 2018. I have never received any notification that I had to call them about anything. In fact, in the past they called me telling me I had to set up a checking account in the amount of {$200.00} in case of problems. That I finally got back after complaining a few years ago. On XX/XX/XXXX I called and spoke to another person and discussed the letter, the lies from the previous person and asked for the papers to be sent. He informed me they would be sent out that evening and by the time I received them and sent them back, my account would be active again. I called again today because I had not received the papers and I was told yet another story. The papers allegedly were sent out yesterday and would take up to ten days to get to my home, it would take 7-10 days to get them back and process them and then another 7 to 10 days for me to actually receive my money. I consider this a delaying tactic and yet another example of them trying to cheat me out of my money.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX  ( Account Number XXXX ) regarding their inaccurate and potentially unfair reporting of a collection account on my Equifax and XXXX credit reports. I dispute the validity of the debt for the following reasons. 

Unawareness of the Debt : I was never made aware of this alleged debt prior to it being reported to the credit bureaus. My rights as a consumer under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) were not honored, as I was not provided with proper initial communication detailing the debt, including the amount owed or the creditor to whom it was owed.

Lack of Opportunity to Dispute : Under the FDCPA, I have the right to dispute a debt within 30 days of receiving initial notice from a debt collector. Since I was never contacted by XXXX XXXX XXXX and never received any notice of the alleged debt ( such as a " dunning notice '' ), I was denied my legal right to dispute the debt as required by law. Their failure to notify me means any reporting of this account to the credit bureaus is unlawful.

Failure to Accurately Report to Credit Bureaus : Per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and debt collectors are obligated to ensure that any information they furnish to consumer reporting agencies is accurate. Because I was not notified of the debt and I question its validity, XXXX XXXX XXXX may have furnished inaccurate or unverifiable information in violation of the FCRA. 

This inaccurate and unverifiable account has negatively impacted my credit scores and created ongoing stress, as I did not have the chance to address it before it was reported. This also affects my ability to access fair lending opportunities. 


Desired Resolution : I request that Equifax and XXXX conduct a thorough investigation under the FCRA to determine the accuracy and validity of the information being reported by XXXX XXXX XXXX ( Account Number XXXX ). If they fail to produce sufficient and verifiable evidence of the debt, the negative account must be immediately removed from my credit reports. 


I have attached copies of my current Equifax and XXXX credit reports showing the " XXXX XXXX XXXX '' account in question. I also attach this formal dispute to both Equifax and XXXX. 

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution of this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : 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 The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I began receiving notifications that a digital checking account had been opened at Experian in my name. I immediately sought to log into my account, which I had a unique complex password for, only to find that the account had been taken over and was now associated with an email account I did not recognize. 

Attempts to log in by other methods, following the instructions in the XXXX XXXX/company website, were thwarted. Secondary options, including texting my phone number, would not execute. There was no way to cancel, or to speak with a representative. 

It turns out that for years it has been possible for any fraudster to impersonate anyone using information commonly available in data breaches to take over an existing account at Experian - simply by creating a new one using that person 's name. 

All of Experian 's information flow involves a " dark design pattern '' to get you to hang up, and not to talk to a representative. Now fraudsters have access to my entire credit history, and Experian is not accountable, or contactable. 

They also made it impossible to process a temporary fraud alert, suggesting that the best method to respond to my suddenly being shut out of my account and potentially subject to rapid identity theft and financial fraud, was to print some documents and mail them across the country. XXXX
Product: Credit reporting or other personal consumer reports

I started sending in disputes to XXXX, XXXX and Experian in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all 2021-current. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of XXXX.
Product: Money transfer, virtual currency, or money service

I tried using XXXX to send money to my account as I 've gone almost a month without a paycheck, just to avoid an overdraft. I was told on XX/XX/XXXX that PNC wo n't update XXXX XXXX with my balance info so its overdrafted and I 'm trying to get the money put in. I was told to contact you guys by XXXX XXXX.
Product: Debt collection

I just opened my credit report and I saw I got a collection for {$11000.00} from credit collection bureau I have no idea where that collection came from because I know I dont owe anyone that much money and it tells me the original creditor name is credit collection bureau
Product: Checking or savings account

All happened in a 3 day span. 

My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. 

The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. 

TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. 

When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds.

They justified four overdraft fees because XXXX  pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee.

As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.
Product: Money transfer, virtual currency, or money service

Heres a revised version of your text for clarity and professionalism : I am filing a formal complaint against Cash App ( Block, Inc. ) for inadequate customer service and unfair practices, which I believe constitute violations of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive. They failed to comply with error resolution requirements as outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These failures have resulted in significant inconvenience and financial loss. I request appropriate redress for these violations.

Let me know if youd like additional revisions or details.
Product: Credit reporting or other personal consumer reports

I submitted a dispute XXXX with all XXXX credit bureaus about the XXXX  on my report, they replied and stated it was verified and would remain on my credit report. I also sent a letter to the XXXX court asking do they verify, or report items and they responded they do not. 

Please see atatched.
Product: Credit reporting, credit repair services, or other personal consumer reports

As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Product: Debt collection

Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
Product: Mortgage

In XX/XX/2020 I refinanced my home and XXXX   XXXX/CrossCountry mortgage became the servicer of my home loan. 
In XX/XX/2020, I called customer service to ask about enrolling in biweekly payments. They told me I had to wait until I had made the first mortgage payment and made NO mention of any fees associated with me simply splitting my monthly mortgage payment into biweekly payments. 
Today, XX/XX/XXXX, I called customer service again. They said I would have to fill out a form [ which they emailed to me ] and said I could NOT simply submit biweekly payments without filling this form. They said those payments would NOT be applied as intended and would be considered " short payments '' and held until final monthly payment was received. They made NO mention of a fee associated. 
Once I received the email with said form, it stated clearly and multiple times that I was required to pay a {$150.00} FEE. 
I called customer service back and asked to speak with a supervisor. She repeated the above information and said that it was " non-negotiable '' to dispute this fee. 
I told her this is a SCAM and they should be reported for such price gouging! I have paid home mortgage payments for most of my adult life! I have never encountered a bank that charges any fees, much less a fee of {$150.00} to simply " allow '' me to make my payments in a biweekly fashion. This fee should be illegal and this bank should be held accountable for scamming it's customers. This would always be an egregious charge -- but now during this economic turmoil and the largest unemployment rate, it is even more CRIMINAL that this bank is trying to scam {$150.00} out of it's customers. 
It is my hope that the Consumer Financial Protection Bureau can help me exercise my right to simply make biweekly payments for my mortgage payment and NOT allow this bank to charge this fee. Thank you.
Product: Debt collection

I reached out to Westlake Portfolio Management via US mail on XX/XX/2023 requesting a debt validation for a debt resulting in a car loan. Westlake reached out to me numerous times regarding the alleged debt requesting payment even after the receiving the requested information. I was contacted via phone, email and US mail stating that if a payment was not received then they would be forced to take further action. It is now XXXX XXXX and I have not received the debt validation but they are now reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank Lowes is reporting 7 late payments to the credit bureaus. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.