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

My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Product: Credit card

I received a letter on XX/XX/year> from XXXX XXXX, XXXX XXXX XXXX, XXXX, ND XXXX ( Ref number : XXXX ; account number ending with : XXXX ) informing me that they " have reason to believe that a credit card has been opened with your name and personal information on XX/XX/year>. We are concerned etc... .and would like to confirm the validity of the information and the original application. It is imperative that you contact us toll-free at XXXX. '' Signed : Customer Authentication Department. 
The creditor and issuer of this card is Elan Financial Services. 

I have no dealings whatsoever with Elan Financial Services. I am wondering if this is a scam or if it is a serious matter. I tried to get copies of my XXXX XXXX but since I am traveling, theior web sites would not let me obtain a copy of my credit report in order to monitor if indeed an authorized credit card has been opened in my name. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting or other personal consumer reports

XXXX and Aldous continue to circumvent the FCRA by continuously closing my investigation requests. They continue to deny my right for a thorough investigation and ultimately a deletion of this continued unverified information. 

I still have not received the original chain of title of for this alleged debt. 
I have not received the date of first delinquency for this alleged debt. 
I have not received the last amount paid on this alleged debt. 

How is it that the cfpb keeps allowing this negligent noncompliance. Who else can i go to? I consistently submit my verification docs and XXXX continues to close my case as potential fraud. What is potentially fraud about asking for manual investigation on my credit report? They've also erased the balance on the collection to {$0.00}. I have never paid the debt. How is the balance owed changing? I believe XXXX just simply does not want to investigate or be bothered with my profile. 

Please CFPB, hold XXXX accountable for not complying with my right to challenge my report Right to Dispute Inaccuracies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  their responsibility to correct and delete items Duty of the Credit Bureau to Reinvestigate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and multiple other violations under XXXX. 

I am requesting an immediate deletion of the aldous account so i can move on with my life. Please do what is right. XXXX has already had a class action lawsuit against them for this same exact situation!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX IN AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXXXXXX 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: Credit card

Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!
Product: Debt collection

XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX while trying to sell an asset that was being held over the course of a day or two, I was blocked indicating trading has been disabled from my account. Subsequently a few service tickets were opened as there is no customer service. I received a few emails indicating that service volumes were high along with some generic responses. Looking back through my many emails from Binance I uncovered an ambiguous email indicating a potential charge back that may of occurred on XX/XX/XXXX in the of {$500.00}. I opened additional service requests with similar generic responses. All the while my account is fluctuating by the {$1000.00} 's. On XXXX Binance was experiencing significant technical issues including depositing money which I believe was due to volume. Nothing was communicated to me that a deposit did not go through. As of XX/XX/XXXX my trading access is still blocked, even the ability to close my positions is not an option which I believe is a terrible policy and almost unheard of in the Financial Services Industry. If they feel there is an issue with a {$500.00} deposit why would the not allow a sale of $ XXXX in assets? Going back to the email I uncovered that suggested there might be an issue it states I must supply a full statement with account numbers and shoot a video of myself holding my license. In a effort to unfreeze my account I have obliged which is disheartening as I am sending sensitive information to where I do not know. I have yet to hear a response Binance after this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had several cards with Synchrony Bank and they closed ALL my accounts with out any reason, there was no legal issue, financial issue or anything and they never provided a detailed reason as to why except that they reserve the right to close any account for any reason they deem fit but will not provide the reason. Because they closed all my account my credit has dropped significantly, my usage went up about 30 %, which now I am flagged as HIGH risk and having financial issues getting approved for any line of credit. I was never late on any of my card or account payments with them and I was paying more than the minimum on my account around {$150.00} to {$200.00} more than the minimum every month in hopes to build a good relationship with them. I am not the only one that Synchrony Bank has done this too and have messed up peoples credit, financial balance as well as lively hood. I have contacted the company several times asking what the issue was that lead to this and all I was told was the following : I was flagged as high risk, and they reserve the right to close any account without reason.
Product: Checking or savings account

In XXXX, 2022 I notice XXXX XXXX had removed {$120.00} from my account with Bank of The West. I called to dispute the charge as I HAD NOT authorized them to do so.I got the feeling the customer service rep was not interested in assisting me to dispute the charges, so I went to the bank on XXXX XXXX and spoke to XXXX. She disputed the charges for me and we destroyed the old ATM card. 
To my surprise, Bank of the West then authorized XXXX to remove the {$120.00} AGAIN from my account saying based on XXXX 'S TERMS they did so. This is absolutely ridiculous. If I hadn't checked my account, I would have not known. This is XXXX and Bank of the West is allowing XXXX to happen to customer 's account because they are accepting the merchant 's lies. So their customer 's don't matter, just the merchant.
Product: Debt collection

ON XX/XX/XXXX I submitted a complaint with the CFPB about The company TOTAL CARD INC ... total card was sent a certified letter asking for proof of the account which I asked for the original signed contact,,, so this why I filed a complaint with the cfpb,,, they failed to send me the proof within 30days,,, they responded back to the cfpb stating that they sent the attached original contract with the first response,, that was not true,,, there was no original contract attached to the 1st response,,, so I refiled another complaint because no original contract was attached ... this is not right the company was given ample amount of time and chances to provide the proof that I requested.. its been way past 30 days and I have yet to receive my proof of contract with the original signature on it,,, total card responded to the 2nd complaint on XX/XX/XXXX stating on XX/XX/XXXX that the original was mailed, as of XX/XX/XXXX, ,today is XX/XX/XXXX and no mail has came to me,, this is not right this company has violated my rights as a consumer and the account needs to be removed from my file,,, the account is reporting inaccurate on my credit reports,,, please delete the accounts from my file,, or I will filing a small claims,,,
Product: Debt collection

After several attempts calling State Recovery Systems, they never disclosed about the debt I owe them. I do not remember that I owe to them any money. I want to remove collections from all credit bureaus. I want the proof of the legit documentation signed by me with STATES RECOVERY SYSTEM only, but not with other credit card or credit companies. Please help me to show the proof of My signature with STATES RECOVERY SYSTEMS. 

As far as I know I never applied or got any loan or debt from STATES RECOVERY SYSTEM. 

finally I sent registered mail including a letter with below message. 

STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Student loan

The Pennsylvania Higher Education Assistance Agency ( PHEAA ) has incorrectly denied my application for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program, under which I meet all of the requirements for student loan forgiveness. Since my application was denied on XX/XX/2019, I have made 7 phone  calls to their customer service representatives to resolve the issue, which have been unsuccessful. The letter I received saying I did not qualify for forgiveness stated that I had only made 113 qualifying payments ( 120 must be made to qualify ). I told them I had documentation for all 120 qualifying payments I've made and on XX/XX/2019 requested a list of the 113 payments they were counting so I could check against my list to find out what 7 payments they were counting. The customer service rep said she would email me the list, 2 months later I still have not received it. She was able to tell me that 4 of the payments weren't being counted because a forbearance had been placed on my account on the dates my loan was transferred between loan servicers. I never requested a forbearance on my account and they placed one on  my loan without my permission ( note, the PHEAA is currently being sued by the state of Massachusetts for this practice ). Since they haven't sent me the list of 113 payments, I still haven't been able to determine what the other 3 payments they are not counting and why they are not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft AND I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3. Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card keeps getting charged a XXXX but i haven't even been using it. The transaction keeps saying, debit : POS pin decline fee and i'm not sure why.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Ph. XXXX XX/XX/2025 cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment. 
I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX.