23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Discover Card Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Card Services regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by Discover Card Services in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose.

In 2023 during a financial crisis, I enrolled in a payment plan offered through the Discover Card Services app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay three months in advance. Despite Discover Card Services automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information.

Upon discovering this discrepancy, I contacted Discover Card Services multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit.

I find it unethical and irresponsible for Discover Card Services to establish a payment plan through an app without transparently disclosing the requirement to pay three months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan.

Transparency : Ensure that Discover Card Services provides clear and transparent information regarding the terms and potential credit impact of any future payment plans.

Communication : Require Discover Card Services to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint.

Sincerely, XXXX XXXX
Product: Credit card

I opened a store credit card with XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX called me so many times to ask me making a payment of {$340.00} for an order that I never purchased. I told them that my last order at that time was on XX/XX/XXXX with a total of {$120.00}. I already made the payment for this. I told them that I never made any purchase for the order of {$340.00} that they asked me to make a payment for. I told them that this was a fraud. After reviewing my order history, XXXX agreed with me that this was a fraud and they said to me that they would report it to their manager. After that, I do not hear anything from XXXX anymore and I did not see this charge on XXXX account. I thought XXXX cleared up this charge. Therefore, on XX/XX/XXXX, I made a purchase for an order of {$97.00}. I made the payment for this order right away. Recently, I have looked into my credit report and I have recognized that XXXX suddenly sold my debt {$340.00} to XXXX XXXX XXXX, a collection agency. I am very surprised about this because I thought that XXXX agreed with me that this was a fraud ; And they do not contact me again after they told me that they would report this fraud to their managers. From my XXXX account, there is not any order between XX/XX/XXXX and XX/XX/XXXX. This means that the charge of {$340.00} for an order in early XXXX was invalid. Once again, I told XXXX that this was a fraud and XXXX  agreed it. However, they sold this debt to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I resent divorced and the timeshare was awarded to my ex-husband in the divorce decree. He let the account go into default and they place the default on my credit report. The account was report XX/XX/year> in the amount of XXXX including interest. I have been trying to get him off the mortgage which he left me with by refinancing. Because of this charge on my report I am unable to refinance. I will continue to call the company and send them a copy of the divorce decree.
Product: Credit card

XX/XX/2023 : Credit inquiry made by XXXX XXXX through XXXX. Not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entities/XXXX accounts has violated my rights. In accordance with the fair credit reporting act. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions no XXXXXXXX XXXX XX/XX/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, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, closed acct XXXX XXXX XXXX XXXX XXXX, XXXX, closed account XXXX XXXX, # XXXX, XXXX  XXXX closed acct XXXX XXXX XXXX XXXXXXXX, closed account
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance {$570.00}
Product: Credit reporting

I did not borrow money from them and do not know who they are or how they got themselves on my credit report. I talked to a lawyer about this problem and the lawyer said that I do not owe them any money and what they are doing is illegal because they do n't have any proof of me owing them anything, when they called me I contested the bill and asked for an itemized bill and they could not produce XXXX.
Product: Money transfer, virtual currency, or money service

Since I registered my Venmo they always keep suspending my account and asking me to provide my information everytime which I always did but and they will unfreeze it but on XX/XX/year>XXXX  my Venmo account was permanently deactivated with my balance of {$600.00}, they didnt give me my money back and I cant have access to it. Please help me
Product: Money transfer, virtual currency, or money service

My Venmo account was deactivated for no good reason. I thoroughly read through the terms of service and user agreement, and I never violated them. I made a new account and was paid {$50.00} by a friend, and when I tried to recover my funds, Venmo froze my account and would not let me retrieve my money.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

Accounts : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XX/XX/XXXX XXXX have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated in my last complaint that XXXX XXXX XXXX was not reporting on my file. This was a bold face lie. It indeed is reporting. Please see all screenshot that shows you how Equifax lies, reports inaccuracies and doesnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wait to return this vehicle and never deal with toyota financial again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or toyota due to this bank, you have lowered my credit score. I  am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
Product: Debt collection

I spoke to Citizens Bank at Length about my account this week because it was paid past Thursday into Friday which is a banking business day and there is absolutely no reason for there to be a delay in receiving my settled in full notice so I can start new business accounts and start my payroll account with XXXX. 

Citizens Bank alledges that the payment did not post until XX/XX/XXXX but when I spoke to XXXX XXXX XXXX manager at XXXX, SC he informed me that the matter was paid last week. There is no evidence otherwise. the reason I mention this is I believe that there may be a NY or SC collection law at state level that states a Settlement in Full or Payment in Full Letter must be mailed in a reasonable manner. I believe the legal definition of this matter was 15 days maximum, not business days, but calendar days. If the banks holds true to their 10 ( ten ) days holding time, the matter will not be resolved within the 15 days as prescribed. I have given the bank the email address of XXXX and I was told that this would be emailed to me when available. Not receiving this document stops me cold from the ability to open a business bank account which stops me from opening an account with XXXX and that stops me from hiring people. 

There was a high level of harassment and unprofessional behavior during the call, to the point where phrases like, " you took our money and didn't pay it back '' which is an allegation of theft. Then the collection agent appologised and admitted her act. Harassment of this nature is a violation of Fair Debt Collections Act, or possibly state laws in NY, where the account was opened and closed. If no other fact, the behavior was not an accurate statement, as it was paid and all I am looking for is the documentation that is required to edit my XXXX report.
Product: Mortgage

I've not missed any payments, yet my home is out for foreclosure for charges I do not owe and will not pay. 

continued problems with the leadership of CFPB and the revocation of criminals operating in the XXXX illegally. 

XXXX judgement how many times do I need to repeat the same thing?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Checking or savings account

Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX. 

This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account. 

In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX. 

The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term. 

Please review your term again, and put {$250.00} bonus into my account. 


Best regards XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient t funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I was an Authorized user on an account. The account has been terminated but is still showing open XXXX XXXX Account info Account number XXXX account is terminated
Product: Credit card or prepaid card

I've made all of my payments in full with the exception of 2 times. The wrong bank account was linked to my Amazon synchrony credit card, I tried to delete the bank account via the Amazon payment app but it would not allow me to do so since a payment was pending. My account was closed after the 2nd " dishonorable payment '' .Throughout my time with this credit card fraudulent activity was reported by me as well as over charging my account followed by returning the funds that were charged twice. I proceeded to speak with a customer service agent at Amazon synchrony and she was terribly rude and impatient. As a customer who makes all of their payments I was offended to be thrown into a category of irresponsibility by an account manager. Her name was XXXX, badge # XXXX. After an 8-10 minute wait I was transferred to another gentleman who was extremely professional and helpful. I did ask to make s formal complaint, and he said he could take my complaint. I was not very comfortable with that since he is an account manager and not in a human resources position. As a customer i felt cornered and helpless.Unfortunately I didn't feel that my case was going to have a thorough and fair review so I am reaching out for help. I take great pride in paying my debts and my credit history should reflect that.
Product: Mortgage

Quicken/Rocket Mortgage are in Violation of Respa Sec 8 Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed. These are also known as kickbacks, fee-splitting and unearned fees. 

Violations of Section 8 are subject to criminal and civil penalties. According to HUD, a person who violates Section 8 may be fined up to {$10000.00} and imprisoned up to one year. In a private law suit a person who violates Section 8 may be liable to the person charged for the settlement service an amount equal to three times the amount of the charge paid for the service. 

They are getting Insurance agents, Realtors, Financial planners to get their mortgage license and refer Quicken/Rocket loans/buyers etc and then they get paid 50bps. The Realtor, insurance agent, financial planner do no work on the file, they dont complete any of the required steps to get commission such as. take loan application, counsel, lock loan, price loan, structure loan, review disclosures, etc. They simply refer a name /contact info and get a 50bps commission
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/2024 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX XX/XX/2024 ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/2024.