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

Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. 

The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. 

I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. 

I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. 

Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.
Product: Credit reporting or other personal consumer reports

I had a Synchrony Bank account with Care Credit in XXXX. I only needed it for a few months and paid it in full a few months later. However, Synchrony bank then charged me a {$20.00} interest fee I was not aware of. I was never notified nor aware. I would have never allowed a charge off of {$20.00} ever happen, I only found out because I looked at my credit. I called Synchrony Bank who advised there was nothing they could do despite their error. All I ask is they do a one time courtesy removal of the negative reporting. I paid them back, did my due dilegence but still got penalized.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$12.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract or no signature
Product: Mortgage

Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. 

Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience.
Product: Checking or savings account

I called to TD bank todaa XX/XX/XXXX to submit a dispute but the representative denied that saying that is out of 60 days. But she didnt care about the expected delivery date was XX/XX/XXXX. 

Transaction 1 : XX/XX/XXXX, {$870.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

Transaction 2 : XX/XX/XXXX {$860.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

I tried to reach the merchant several times starting on XX/XX/XXXX without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason- I've asked Experian, XXXX XXXX XXXX XXXX take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.
Product: Credit card or prepaid card

I paid off my Davids Bridal account in XXXX XXXX XXXX. It has since been closed. I called in XXXX because it was still showing in my credit report and they said it would be taken care of. It was not so I called again in XXXX and they said by the end of the month and it was not. I called again today and they just did not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). 

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. XXXX. 

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). XXXX. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Product: Debt collection

Someone has fraudulently used my personal information to what seems to be, have medical care. I never gave anyone permission to use my personal information for anything. Now I find out that there's a collection on my credit report from Creditors and Aud ( original debtors is showing as XXXX XXXX XXXX ), for a total of {$920.00}. Again, I have been a victim identity theft because I have never had any dealings with either of these companies. The account states that it was opened on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting three of my student loans as collections. The federal department has already contacted them to confirm my loans are out of default on XXXX and again on XX/XX/16. Now that I am part of the student Loan fresh start program, all loans should not be under collections status. After I disputed the results they did not call the loan Servicer to confirm if my dispute was accurate which is unlawful.
Product: Debt collection

For the past two weeks, all hours of the day.. HRRG, has called me multiple times a day. Theyve called my husband multiple times while he is at his job. If we had the money to pay, we would.. but we have been struggling since I had my XXXX and are on one income currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act 1. XXXX XXXX of XXXX Original creditor XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX Original creditor XXXX XXXX XXXX  15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their handling of disputed accounts on my credit report. Despite numerous disputes I have submitted regarding unverified accounts, Equifax has consistently responded with pre-generated stall letters instead of conducting a thorough investigation.
Product: Debt collection

I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. 

I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX   company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX  XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested XXXX XXXX  XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX   XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Product: Credit card

On XX/XX/XXXX I contacted Total Visa to dispute an unknown monthly servicing fee of {$8.00} that appeared on my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. 

However, I was told by the supervisor XXXX that these fees are disclosed in their terms of agreement. However, when signing up for this card the only fees that were disclosed was a {$95.00} one time program fee and an annual {$75.00} fee for the first year and then {$48.00} annual fee there after. XXXX claimed that the servicing fee is in the original terms of agreement. 

When I requested the documents XXXX refused to disclose that information to me via email or instruct me on where I can obtain a copy of the original agreement. When I requested the terms of agreement I was told I would have to wait 10-15 business days to receive it by mail. The terms XXXX read to me over the phone were not clear and concise. I was also denied access to speak to a manager.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to Data Breach Dear : To whom it may concern I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected. 
Remove from my credit report, XXXX, XXXX and XXXX
Product: Debt collection

Are you reporting on behalf of a business? 
No Business Name : Is the incident currently impacting business operations? 
Age : Over XXXX County : California Country : United States of America XXXX : California XXXX Transaction ( s ) Transaction Type : Credit Card Transaction Amount : XXXX Transaction Date : XX/XX/2023 Was the money sent? No Victim Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX Victim Bank City : XXXX XXXX XXXX Bank Country : United States of America Victim Bank State : California Recipient Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX Bank City : XXXX XXXX XXXX Bank Country : United States of America Recipient Bank State : California Description of Incident The fraud people took my money from my back. There is no record of this transaction. They were very clever. 
My husband had just committed suicide, so I was vulnerable. 
I have changed all passwords. 
Wells Fargo will not reimburse me for this amount. 
I can not seem to upload the photo of the check. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS publication states charge offs or a 1099C as gross or ordinary income. 
Income does not get reported on the consumer report. If income does not get reported on a consumer report, then why is a charge off being furnished as a DEBT? If the IRS says by definition, it is income, then these accounts listed are being reported as inaccurate and they have violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX According to : 15 USC 1681a - I have the right to Accuracy, privacy and fairness of credit reporting 15 USC 1681e ( b ) - Compliance procedures ; Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681a Section 603 subsection K- Definitions ; rules of construction. Due to this inaccuracy of my credit report I have been denied opportunities that has also violated my rights based on the Equal Credit Opportunity Act I demand that the above charge off account be DELETED from my report immediately.
Product: Checking or savings account

Upon completion of this credit building program I earned XXXX that was supposed to be deposited in my bank account that they have on file. First when I tried I was denied because they said that I needed to use another account. They deducted money from the account on a monthly basis now the account is not valid. I was in contact with someone who told me that she was working on it Here are a sample of the emails : XXXX XXXX, Thank you for reaching out to us, Upon reviewing our records i see that you need to re verified in order to be used. Please note that over time this connected XXXX accounts need to be re-authenticated. 

If you have any further questions, please reach out to us, and I'll be more than glad to help you. 

Best, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX ( 7 days ago ) to me Hi XXXX XXXX Thank you for your response, We apologize for the late response, we carefully reviewed the information you sent to verify your bank and it has all the criterias we asked for. I have manually approve it please don't hesitate to let me know if you have any additional questions! 


On XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I got an error message to use a different bank account of go to my linked account to verify my linked account. My linked account has not changed. There is nothing to verify on my account. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 4 days ago ) to XXXX XXXX nothing. Sad that you think that it is okay to play with a person ' ; XXXX mind like you have. I have not done anything wrong and yet you are playing a game with me. Why? 

I have read other online review similar to my situation
Product: Debt collection

On XX/XX/2020, a collection agency, Amsher Collections, placed a debt collection on my credit report for exactly {$260.00}, that is not mine. The original creditor is XXXX XXXX XXXX. I have never had services with this copy and/or any company they used to be prior ( XXXX. XXXX XXXX, XXXX ). I reached out to both the collection agency and the original creditor and they both verified I didnt not have accounts within their systems. I filed disputes with the three credit bureaus including ; XXXX, XXXX, and XXXX. I am unsure if they are taking the proper steps to get this resolved. I received a message from XXXX  that updated information was received and the investigation was complete. It is very unclear of the results and I am extremely upset because my credit is being affected by a debt this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}.
Product: Credit reporting or other personal consumer reports

The following accounts listed are not mine and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Volkswagen Credit and informed them I received my car title and my name on the title was not correct. I was advised to mail the title back via regular mail and they would correct the issue. I mailed the title back on XXXX XXXX via regular mail as advised. On XX/XX/XXXX, I contacted Volkswagan Credit again that I have not received the title with my correct name. I was advised to go to DMV and they would fix Volkswagans mistake since that title is in my maiden name. I updated my legal name with Volkswagan in XX/XX/XXXX and was advised no additional paperwork was needed to update my name change. On my online account my correct name is listed. The DMV treats any changes to the title without the title as a duplicate and charges a fee. I am just looking for Volkswagan Credit to correct my title with my correct legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.