23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. Discover 's own terms stated that to receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; I opened my checking account on XXXX/XXXX/XXXX. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$300.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/XXXX and it has been more than 30 days since the requirements have been met.
Product: Debt collection

i am a victim of identity theft by way of data breach. i also had an issue with my personal information merge with someone with the same name as mines. i think this may be the case as XXXX just rectified the issue with them. i have no idea of this account
Product: Debt collection

The company called stating they had a debt owed to a company called XXXX XXXX XXXX XXXX. We informed them that I did not have a credit card with that bank. They then said the credit card was likely closed in XXXX, but could not give us an exact date. We informed them that in or around XXXX another company attempted to collect for the same card and were not able to prove the card belonged to me. The case was dismissed by the courts over 20 years ago. They then threated to sue in the local courts. This case is known to be time barred and was not verifiable over 20 years ago as it was not a card I have ever possessed. They lost the original court case due to lack of verification of the debt and time barred debt. They refused any other information unless we agreed to payments. They did scam us into verifying his dob or they would not give us any information. We told them not to contact us again.
Product: Debt collection

I have never opened an account with XXXX XXXX XXXX XXXX. I have knowledge of this account or how they accessed my billing information or social security number. This account plain and simply is not mine. Nor should it be registered to XXXX XXXX as I have NEVER opened an account under my name with said company. Please investigate that identity theft may have occurred here!!! I also want proof that I opened this account. Please remove this from my credit report.
Product: Consumer Loan

Hello, My name is XXXX XXXX and I have been a Santander customers since 2012. However, XXXX different customer service associates have been talking rude to me and trying to look into my credit. On XX/XX/XXXX, one customer service decided to pull on my credit over 5 times without my knowledge. However, my credit bureau told me that they pulled on my credit without my knowledge nor permission. In addition, a rude customer service associate called a week after pulling my credit and demand that I paid my car loan early. I would like Santander to explain is the meaning of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015
Product: Vehicle loan or lease

I lost my job XX/XX/year>. I did not receive unemployment and began to fall behind on my rent and car payments. I was paying late each month and having to pay a {$50.00} late fee. On XX/XX/year> I contacted Westlake Financial regarding my car loan. They had been sending me text messages and leaving voicemails to contact them about negotiating ways to bring my loan current again. I called the number they gave me in a text message and told the representative I had received a text to negotiate how to bring my account current. I explained that I was late on my XX/XX/XXXX payment and the XX/XX/XXXX payment was also due in one week. In addition my car insurance is due for the year on XX/XX/XXXX and I am required to carry car insurance as part of my loan agreement. In addition I also explained that I am XXXX  XXXX as my only source of income right now while I apply for other jobs so having insurance was a priority for me personally as well as for them as the lender. I told the representative I needed to defer the XX/XX/XXXX and the XX/XX/XXXX payments to the end of the loan and then I could pay my car insurance and resume my regularly scheduled car payments on XX/XX/XXXX. The Westlake Financial representative told me we could make this deferment to my loan and add the XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. She explained I would be charged for one late fee and that could be deferred to the end of the loan. She explained that additional interest for the XXXX deferred payments and the late fee would be charged. She told me I needed to make a {$55.00} payment with her in order for her to process the deferment. I paid the {$55.00}. I thanked her profusely and even cried saying multiple times that giving me the extra 2 months is what I needed to financially recover from losing my job. I believed the Westlake Financial representative was telling me the truth. On XX/XX/XXXX I began receiving calls, emails and texts from Westlake Financial saying I failed to make my XX/XX/XXXX payment. When I explained to them about the deferment arrangements they told me they were not made and they could not be made. They stated my credit was being negatively effected and I had incurred another late fee. They also told me the representative I spoke with on XX/XX/XXXX recorded the {$55.00} she demanded to make the payment deferment arrangements as a partial car payment of only {$50.00} which was never explained to me. My understanding was the {$55.00} was the fee to make the deferment plan. I was informed on XX/XX/XXXX that I need to pay the XX/XX/XXXX payment and the late fee by XX/XX/XXXX and my next car payment XX/XX/XXXX and Im no longer eligible for deferment because they deferred my XX/XX/XXXX payment only.
Product: Debt collection

National Credit Systems has reported inaccurate information on my credit report to the credit bureau. They have reported a debt collection of {$6700.00}.
Product: Student loan

I registered for Auto Pay on XXXX XXXX XXXX. I received a confirmation email that gave me an estimated start date for auto pay to begin of XXXX XXXXXXXX XXXX. On XXXX XXXX XXXX  the auto pay did not happen. This was on a weekend, and the EdFinancial website stated that it could take a few days to reflect the payment processing. I waited a week, and the payment was still not updating. I have tried calling multiple times and have had multiple hours long waits to be disconnected as soon as I apparently reach someone. I have tried emailing them as well only to receive no answer to my emails. After waiting a week. I just made the payment manually, but now EdFinancial is reporting it as a late payment. I then re-registered for Auto Pay with a new estimated start date of XXXX XXXX XXXX. My account still is not showing that Auto Pay has been set up, and I do not believe that my payment will be deducted when it is supposed to be which will result in another late payment.
Product: Debt collection

On XX/XX/XXXX, Myself, My brother, My sister-in-law, My step-father, and mother received a voicemail from an " unknown '' number stating the following : XXXX XXXX is calling regarding a legal document she's is supposed to serve and have me sign tomorrow between XXXX and XXXX and if she didn't obtain a signature I would be marked on the document as failure to comply and the process will continue without me. The Phone number is ( XXXX ) XXXX. 

When I called the phone number back, an " XXXX XXXX '' answered the phone and told me that if I didn't set up a payment arrangement to handle an old debt with Capital One from XXXX, that I would be served for a civil litigation tomorrow. I asked for something in writing as I don't have this debt on my credit report and have not received any thing in the mail regarding this matter ever and she told me that I could not receive anything in writing unless I set up a payment arrangement. the more I questioned her the more she argued with me and said " have fun in court '' and it eventually got to the point of her hanging up. when I called back she answered the phone with a different name and eventually blocked my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX  XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my Experian report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Consumer Portfolio Services account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my Consumer Portfolio Services account was reported as 30 days late. I have not made a late payment.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX {$500.00} was deducted from my Everyday checking account and only listed as an adjustment. After contacting Navy Federal Credit Union the same day, I received a response from them on XX/XX/XXXX in which they stated " the adjustment was for an overdraft from XX/XX/XXXX which occurred on an E checking account that they closed, and If I felt that it was done in error, then I could call the recovery department to correct the issue. 

Upon calling the recovery department I was transferred three times until I ended up speaking to the inside the fraudulent claims department in which I spoke to a young lady who told me that she would file a claim but was unsure if it would even go through since the amount of time has been so long. I told her that I was never contacted by anyone in regard to the overdraft or the account being close even though I have visited their branches recently and have made deposits to my Everyday Checking account a number of times. She went on to say that the account was closed, charged off and s listed a bad debt after I told her that I could not have made the withdrawal that was listed due to me being in another state other than where it was made.
Product: Credit card or prepaid card

Last year in XXXX I got my statement adding an extra XXXX on my credit card. My Credit limit was XXXX. I already used about XXXX on the card it went from XXXX to XXXX. The moment I saw this I called Capital One letting them know that it was not my charges and this was a fraudulent action. I talked to them for over an hour and they refused to investigated. They told me that they put it on my bank account. I offered to show all my bank statements showing that I was never giving XXXX and they say no. That I would have to pay regardless and they will not looked into it. Now its over 23k and thats including interest accumulated over time. I was willing to pay the XXXX that o owed but now. Im exhausted of this and I sent them a letter to show proof that it was my doing and to validate my charges and they sent XXXX letters saying that they will not do that. This is been going for A year now and its exhausting to deal with this and Im extremely upset that. When I called them a year ago they could have fixed this but they didnt even bother doing one thing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXXI HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS account name : XXXX XXXX account # XXXX balance:XXXX last active date:XX/XX/XXXX
Product: Credit card or prepaid card

I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do this
Product: Debt collection

Subject : Response to XXXX XXXX XXXX XXXX XXXX XXXX Investigation Findings & Request for Immediate Deletion Dear CFPB Representative, I am writing in response to XXXX XXXX XXXX XXXX XXXX XXXX  reply regarding my complaint. Their response is inadequate and fails to fully address my dispute or provide the necessary documentation required under federal consumer protection laws. 

Key Issues with XXXX Response : 1. Failure to Provide Proper Validation of Debt ( FDCPA & FCRA Violations ) XXXX  states they will mail verification of the debt, but as of this response, I have not received any validation that meets legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) 1692g and the Fair Credit Reporting Act ( FCRA ) 623. 
Proper validation requires a signed contract or agreement, account-level documentation, and proof that XXXX has the legal authority to collect or report this debt. A generic statement that the debt is accurate is insufficient. 
2. Potentially Unlawful Credit Reporting ( FCRA 605 & 623 Violations ) XXXX continues to report this account without providing proper verification, which constitutes furnishing inaccurate or unverifiable information under FCRA 623. 
If XXXX can not furnish verifiable proof that I owe this debt, it must be removed immediately from my credit report. 
3. Consumer Rights Violations & Unfair Collection Practices ( FDCPA Violations ) Simply stating that the account is unpaid and owing does not address my dispute or legal request. Debt collectors must provide documentation upon request before continuing to report or attempt collection. 
Until XXXX provides legitimate validation, any further reporting, collection, or communication regarding this debt may constitute unfair and deceptive practices under FDCPA 1692e and 1692f.

Requested Resolution : 1. Immediate deletion of this account from my credit reports due to lack of proper validation.

2. Written confirmation from XXXX and all credit bureaus that the account has been permanently removed.

3. Investigation into XXXX reporting and collection practices to ensure compliance with FDCPA and FCRA regulations.

4. Cessation of all collection activities unless full, legally compliant validation is provided. 

Since XXXX has failed to provide the required proof, I request that the CFPB take further action to enforce compliance and ensure the removal of this account from my credit report. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

they charged me overdraft fees and a XXXX extended over draft fee and now i cant use my debit card even though i have card protection i call them they did nothing to help. I was in Texas during XXXX XXXX they claimed to have no over draft fee for a curtain time frame but i was charged
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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.

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! 


Update the late payments from my consumer reports