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

On XX/XX/2022, my Frontier Mastercard was stolen, along with my purse, ID, car keys, and four other unrelated credit cards. The defendant then used my card fraudulently to make the following purchases : {$89.00} at XXXX XXXX XXXX {$410.00} at XXXX XXXX {$210.00} at XXXX XXXX This card was reported stolen on XX/XX/2022, and these charges were disputed. The card was closed, and a new card was issued. Originally credited back to me, these fraudulent charges again appeared as transactions on my new card on XX/XX/2022. In speaking with XXXX from the Fraud Investigation Department on XX/XX/2022, I was informed that more evidence was needed to support my claim of fraudulence and that the investigation was closed and a police report submission was required to re-open the investigation. Not once was I contacted to let me know this was the case, after I offered the police report number during my first conversation regarding these fraudulent charges. Since the case was active and the defendant undergoing trial, the CO District 18 D.A. 's office was unable to provide a redacted police report until XX/XX/2022. The report, along with a dispute letter, was faxed to the Barclays Fraud Investigation Department XX/XX/2022 and the investigation reopened on XX/XX/XXXX. When I spoke with XXXX on XX/XX/2022, I was informed the investigation was again closed on XX/XX/2022. However, no communication regarding the results of that investigation has been provided, and I continue to receive harassing collections phone calls, accrue fees and interest on the fraudulent charges, and negative reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I had an account with USAA for over XXXX years I deposited a check from coast to coast productions for XXXX and some change and USAA reversed the check a week later saying it had been deposited into another bank I asked what bank I never authorised this and never signed the check over to anyone and it had void written across it. USAa refused to give my money back and 2 months later closed my account abruptly no notice over a different matter which was unethical too. After reading in the news about USAA under litigation for denying service member claims. I finally found this platform and submitted a complaint they came back with this.

We are responding to the concerns about USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding an alleged reversed deposit. Our Bank Member Advocacy staff thoroughly reviewed your bank profile and account history and activity. Records confirm you do not have any open/active deposit accounts with USAA FSB , and USAA FSB has not received any funds into your bank profile or reversed any funds from your bank profile. Therefore, we respectfully decline your request for compensation. Should you have additional information to facilitate a more comprehensive review, such as a transaction ID number or mobile deposit confirmation, our staff will research the matter for you. We trust this clarifies our position on the matter and we appreciate the opportunity to respond to your concerns.

I want to reply I was never given time to download information from my account so your reply is completely unfounded and after calling serval times for you to unlock my account and the bank denying those requests. There was a reversed check when I did business with you and you know you did the wrong thing not reimbursing a service member or asking the other persons bank to reverse the charges covering it up by abruptly closing a services members account and then replying like this is very unethical too. Do something about it instead of lying to the government. Ive also received three emails like this from USAA over the last couple weeks.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable.

Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools.

Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence.

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit card

I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.
Product: Debt collection

I have notified this company that this debt was due to fraudulent activity. I have sent in proof of documentation that my information was breached along with an Identity Theft Affidavit. I have also asked them to send me proof of a contractual obligation bearing my signature. I ask that they delete this from my credit report.
Product: Debt collection

This company is in violation of my rights by failing to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recently reported a collection to my consumer credit file.
Product: Debt collection

On XX/XX/2022 I was notified by my credit card company that my credit limit for one of my credit cards was basically cut in half of what I was approved for. In looking at my credit report, there is an account in collections named I.C. SYSTEM, INC who has never attempted to contact me because this debt is not mine. 

My credit report shows that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$1700.00} of which I have never had an account with XXXX XXXX XXXX XXXX of {$1700.00}. 

My understanding is that XXXX XXXX XXXX XXXX is the the wireless carrier side of XXXX XXXX XXXX. I have always had XXXX XXXX  as my mobile carrier. 

These charges are NOT mine and I believe that I have been a victim of fraud or identity theft. 

No one from XXXX XXXX XXXX XXXX or I.C. SYSTEM, INC has ever tried to contact me to resolve the debt BECAUSE IT IS NOT MINE! 

I attempted to dispute this account via XXXX and they came back within a day ( after stating that it may take up to 30 ) that the account is mine. This is 100 % completely false!
Product: Mortgage

My mortgage through LoanDepot has reached its 80 % XXXX based on original appraised values, etc. I emailed them requesting to remove PMI from mortgage account over a month ago, and was told I would receive an update by XX/XX/22. No update was given, so I reached out to them again last week via their private that and was told it would be reviewed and they have not responded. I am requesting assistance to get the PMI removed ( one PMI payment has already been deducted from my escrow after the original deadline they gave me ).
Product: Debt collection

On XXXX XXXX I signed a loan with CNAC XXXX for a car loan - later on this car was totaled - we fought the company on paying off the remainder of the car loan ( {$5100.00} ) - the car company ( JD BYRYDER claimed we did not pay for GAP insurance even though this payment was collected at the time of signing the car loan. This company never budged on paying for the car so we initially took a hit and stopped paying on the loan- which caused this account to be closed and wrote off as a bad debt for the remaining balance on XXXX XXXX ( {$5100.00} ). This account should have then fell into collections. IT DID NOT. INSTEAD, it looks like a new loan was opened Fraudulently, without my knowledge on XXXX XXXX for the balance of {$5100.00} AS A NEW LOAN through XXXX XXXX XXXX. This account was then closed XXXX XXXX for the same balance ( {$5100.00} ) because no payments were being made as I was unaware of the account being opened in my name under my social security number. There is now a collection agency attorney trying to collect this debt from me via XXXX XXXX XXXX which is the account that was opened as a new loan without my knowledge or permission. This collection agency is XXXX family members of mine at their permanent address which I do not reside at ( most recent was XXXX XXXXXXXX XXXX XXXX XXXX ) - not acceptable. I need this reviewed and taken off my report as it was opened fraudulently. 

CNAC XXXX IS THE ONLY ACCOUNT I GAVE PERMISSION TO USE MY PERSONAL INFORMATION FOR A LOAN. Which should now be in collections. 

MERCHANTS FINANCE DID NOT HAVE MY PERMISSION OR ACKNOWLEDGMENT TO OPEN A NEW LOAN ACCOUNT FOR THE BALANCE OWED TO CNAC.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I demanded proof from US Auto XXXX that the repossession of the subject vehicle was legal in accordance with the following XXXX  : - Effect of errors or omissions - Notification before disposition of collateral - Timelines of notification before disposition of collateral - Contents and form of notification before disposition of collateral This letter was sent via Certified Mail and delivered to US Auto XXXX on XX/XX/2020 with tracking number XXXX. The letter also stated that if no such proof was provided within 15 days from receipt of the certified mail notice, the alleged claim of a deficiency would be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

I did not receive a response from US Auto XXXX within the requested time frame of 15 days. I also did not receive a response within 30 days which is a violation of the FCRA.
Product: Credit card or prepaid card

I have a Fidelity Rewards Visa Signature credit card from XXXX, and I have used it very often because every dollar I spent equals 2 Reward Points. Given this, I would think that I should have a lot of Reward Points now. However, last month, I checked, and I have no more than XXXX points. In my memory, I should have twice that amount, so I checked all of my statements. I found out that in the XX/XX/XXXX - XX/XX/XXXX statement I had XXXX total points available, but in the following statement ( XX/XX/XXXX - XX/XX/XXXX ), I had only XXXX total points available, including the 3,371 points from the monthly earnings. Thus, my points decreased by 450,000 over that month. I called the Fidelity Rewards Visa Signature credit card company at least twice, but they told me that they don't have the records for that time period. 
I didn't receive any email or mail to tell me that my points decreased by 450,000 points, and I'm very sure I didn't redeem the points. Could you tell me where my Reward Points are?
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law firm XX/XX/2023 Paid for service not received they never helped me with removing negative items from my credit as they stated they would The stated Due to COVID-19 loss of income and The identity fraud that happened during Covid-19 They would help me in removing all these false inquiries but they did nothing they charged me to see my credit even though they already had my credit profile
Product: Debt collection

I have been a XXXX XXXX XXXX since XX/XX/XXXX.
On XX/XX/XXXX I had an emergency and was near XXXX XXXX in XXXX New Jersey. I informed the ER I was a 100 % VA Patient and XXXX XXXX XXXX and my Primary Care Doctor at XXXX XXXX XXXX XXXX XXXX that VA pays for outside emergency care. 

VA did pay for XXXX 's care however, I did not know that XXXX XXXX XXXX XXXX had charged {$800.00} in addition, and in XX/XX/XXXX I saw on my credit report an account for ARS. I called ARS in XX/XX/XXXX and told them I was a VA patient, they told me to contact VA. I did so by contacting ( which took a few months to get a hold off ) XXXX XXXX XXXX in XXXX who told me to have ARS contact them and in the meantime dispute it on my credit report, which I did. 

Each time I would call in and tell ARS this over many times. I disputed this, ARS still claims I must have the VA call them. Even though I am not responsible for this and without their doubt, VA pays for that health care as they told me VA calls them. However, the person I called on XX/XX/XXXX told me spefically they are not able to call VA, which I asked why, especially after I have disputed this and their account comes off my credit and then is reported over time.
The answer was again " We are not able '' So as I told her, perhaps it would be better for us as veterans to have ARS contact VA for their payment, and for their company to get paid instead of putting false information on our credit reports. 

I asked for the debt in the mail as well as the policy for not being able to ask the VA for the payment. She transferred my to her supervisor, without any rings, it went to voicemail. 

I do n't understand ARS, if they require payment, why not ask the source instead of having a Veteran like myself do the work and now complain? I will ave to  again ask my local VA to seriously take that concern as well. This has impacted my credit and life many times, because I do n't understand the obvious nature of just asking the correct information for their payment. 

I also believe, perhaps they are not understandig it even may be against the law to report this on my credit report, they refuse to work with me, if I have to hire an attorney is that not also an indication of ARS breaking the law for whatever reason, they will get paid by VA, but impacting my credit like this I do n't understand why I must mediate between Veterans Affairs and ARS.
How this affects veterans is also obvious, although we can use outside resources like this in an emergency, I do n't know why after years of not having bills paid which again, even though VA paid XXXX, how am I supposed to know there is an additional bill, how was VA supposed to know, who was the person from the start that did not place that information on what insurance I had since I showed my VA ID Card and VA paid XXXX? 

Why not ask that instead of affecting me? The only control I have is to complain, dispute, and ask them to take it off and contact VA.
Product: Debt collection

I have been received calls from XXXX XXXX XXXX XXXX for XXXX XXXX. Call dates and times are :XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All calls are from phone ( XXXX ) XXXX. This is also the call back number left by their prerecorded phone message they keep leaving. Their address is listed as XXXX XXXX XXXX XXXX XXXX, California, Phone ( XXXX XXXX XXXX, XXXX. I have left several message on their answering machine because I go to work before they call and don't get home until after they are closed. I have told them the subject they are looking for has not lived at my residence in 12 years and to stop calling my phone. I have informed them my phone number is on the National DO NOT CALL list. I have informed them I have filed complaints with the FCC and the FTC. I told them if they continue to violate the DO NOT CALL list and harass me further I will contact the FBI. This harassment is across state therefor it is federal. I have informed them for each phone call they continue to do is a separate violation. I will attempt to send them an email but that will probably just start them emailing me too. The government agencies I have contacted have the right and the ability to contact the FBI and should do so for these violations of criminal laws. I am also looking at violation of my rights of equal protection under the law if nothing is done. This debt collector has laws it must follow and is not. Their over aggressive actions are a violation of laws both federal and state. I want criminal charges and civil action take against XXXX XXXX XXXX XXXX for their violations. My messages have become more and more, well not polite which is not required when I'm talking to these leeches. They how ever are required to stop calling and they must be polite when talking to you. I will continue to file a separate complaint each time with the FCC and FTC as each call is a separate incident/violation.
Product: Checking or savings account

Wells Fargo bank. from XX/XX/24 to XX/XX/24 i have being charged 8 times ( less than 2 weeks ) {$35.00} for a total of {$280.00} on overdraft fees. As today, my acc has a posted amount of - {$590.00}, where almost half of the debt is overdraft. And they say it will be more charges if i don't pay in full right away. I explain to them that I'm going through a hardship situation, but they say they can't do anything at this time. To make it wors, most of my automatic payment were less than {$35.00}, and they say the charge {$35.00} even if the failed payment is just {$1.00}. So, i don't think this is fair, and it should be illegal. someone has to do something ; banks can't do whatever they want. I also going to file a claim with Wells Fargo 's regulator.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including credit bureaus to dispute these inaccuracies and placing a fraud alert on my credit profile. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX