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

U.S. Bank My business master card was used to make unauthorized purchases. when I disputed the actions I made the request for validation of debts that were not familiar to me. we have made many notices with regard to these debts. at XXXX time we received a statement showing it was cleared we received credit validation. but XXXX months later they come back with the same problem. again we request debt validation and a copy of the charges to this account with a wet signature. To date all we receive in monthly statements which does not validate the debt being ours. we also requested a copy of our payment history. to date, we have not received any requested documents. the last packet we received only contained the statements which did not give us information to contact the creditor they paid. we informed them in writing what was needed. but we only get statements. on XXXX the withdrawal from my checking account was completed in the amount of XXXX or more without my consent. I was not notified of these actions before it was done. I received a written notice from XXXX XXXX  XXXX that it was done. this has caused me serious hardship in meeting my monthly obligations. I did notify the bank and was told they could do this. create a hardship without notifications before it is done. because of this my housing is in jeopardy i will not be able to cover my utilities and my medication can not be purchased,
Product: Student loan

I went through a Chapter XXXX bankruptcy in XXXX. In XXXX the bankruptcy was reopened in regards to my student loans. A settlement was reached with Sallie Mae in which I would pay {$260.00} a month at 3 % interest for 30 years. I started sending the money. Sallie Mae would cash the checks and then refund the money to me. I would send more, they would send it back. My lawyer contacted their lawyer and was told the problem was fixed. I would send them money, they would send it back ( I have bank statements to back this up ).  After over a year I stopped sending money to force them to contact me so we could settle the issue. They never did. Ten years later in XX/XX/XXXX I received a letter from Navient that my forbearance was approved and that payments would start in XX/XX/XXXX, however I now owe {$130000.00}, {$880.00} a month for 30 years. I sent a letter with a copy of the court order stating what I owed and the terms and they replied that they had no idea about the court order, that I had not made any payments since XXXX, and that I still owe {$130000.00}. 
I never asked for a forbearance, especially one that lasted ten years. I was never notified of the change in address to forward payments when Sallie Mae switched to Navient. They have not been able to explain why the loans were in " hibernation '' for ten years. Sallie Mae never accepted any of my money after the court order. How can they sit on a loan for ten years, double the amount, after the affair was settled in Federal Court?
Product: Credit card or prepaid card

I disputed some unauthorized charges with chime and within 8 hrs, was denied my request and they said there was no error when there in fact was an error because I did not make those charges, some of the charges were made in Texas and I live in Maryland. On XX/XX/XXXX and XXXX, XX/XX/XXXX and XX/XX/446 $ was taken from me in total and I couldnt dispute them because they were pending charges, they said they were going to work on my claim and a couple of hours later just denied my dispute and said there was no error. Multiple people have had problems with their dispute team as well, and have been told the same thing as me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, Equifax and XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 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 other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ XXXX, Exuifax, and XXXX but this company ignored my request.
Product: Credit card or prepaid card

I have attached a letter documenting everything that i can remember. 
I have been a victim of identty theft/fraud. Reached out to DISCOVER, XXXX XXXX XXXX  and XXXX XXXX XXXX. Approximately XX/XX/2022, I noticed that several of my above credit cards had been comprimised. I contacted each and the companies closed the accounts and reissued cards under different account numbers but did not address the fraudlent charges. I flagged my SS # with the credit bureaus, contacted XXXX XXXX police dept ( see attached ) and filed an incident report. In speaking with the detective, he stated that he was able to track some of the charges to a man/woman in Florida. Both my daughter and myself tried explaining to the credit card companies that I was a victim of identity theft. They stated I need to submit in writing which I did to all of the companies. They refuse to remove the charges.DISCOVER charges total approx $ {$15000.00}, XXXX  {$1700.00}, XXXX XXXX {$4500.00}, XXXX XXXX {$4900.00}. Discover did reverse the charges at one point but turned around and put the charges back under 1 card. 
I received a copy of the police report filed, I can not get a comprehensive copy of the police report. I was told that I needed to hire an attorney and go to court to get that information released to me.
Product: Checking or savings account

I was promised an up To {$590.00} Checking Bonus ( 17 % Of Your Direct Deposit ), opted into the offer and met all of the terms - my bonus has never credited to my account. 

I am writing to you now to request that you get involved and demand fulfillment of Moneylions promised offer deposited to my account. 

Thank you PS - the terms where as follows : The Fine Print This promotion is open to all genders. 
Matching contributions are limited to {>= $1,000,000} in aggregate. 
Individual matching contributions are limited to {$590.00} per person. 
Promotional period ends when maximum matching contributions are reached.

Must maintain direct deposit into MoneyLion Checking Account for at least 90 days to receive matching contributions. 
Eligible matching contributions will be deposited into MoneyLion Investment Account. 
Must be a MoneyLion member in good standing at all times until payment of matching contributions. 
See the Official Rules for additional terms, conditions and eligibility requirements. 
Individuals who opt into the promotion between XX/XX/2019, and the time at which the Maximum Commitment is reached ( the Promotional Period ), and who do not already have active preexisting direct deposits into a MoneyLion Checking Account will be eligible for one-time matching contributions of 17 % of their initial direct deposits of funds into their MoneyLion Checking Accounts, subject to the Maximum Match. Generally, the matching contributions will be made available 90 days after the initial qualifying direct deposit, and will be deposited into a participants MoneyLion Investment Account. Once the Maximum Commitment is reached, MoneyLion will have no obligation to make matching contributions for any direct deposit made, regardless of individual applicant eligibility or time of opt-in for the promotion.

MoneyLion may provide matching contributions to the first 100 eligible direct deposits within 10 business days of confirmation that eligible funds have been appropriately directly deposited. For all other participants, MoneyLion will provide matching contributions after the participant has maintained MoneyLion Checking Account direct deposits of at least 90 % of the value of their initial direct deposits for 90 days after their initial direct deposit. MoneyLion reserves the right to provide matching contributions at earlier times to select participants in its sole discretion. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account or a relationship with Sequoia XXXX XXXX. I do not have a contract with Sequoia XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX. 

It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement. 

I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently. 

It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.
Product: Student loan

I recently submitted an application to Navient to release my mother as the cosigner to XXXX of my student loans with the company. I took out this particular loan during the summer of XXXX with an interest rate of 3.5 %. According to Navient if I make on time consecutive payments for at least one year at the interest rate I agreed to when I took out the loan I could apply to have my cosigner released. I have been doing just that for more than 12 months now and I just received a rejection letter from Navient because after pulling my credit report they have determined that I have big debt items on it. The only major debt that I have on my credit report are student loans from Navient/XXXX. I have been making consecutive on time payments with XXXX/Navient since XXXX, so I dont see why I cant have my mother taken off as cosigner to my XXXX loan. I especially think that this is unjust because I have followed their guidelines to the letter and after meeting all of the requirements they have chosen to reject my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.
Product: Credit reporting or other personal consumer reports

My account with those creditos was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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 paymen
t 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully seek the assistance of the CFPB in resolving the matter concerning the two remaining fraudulent inquiries. Previously, I had written to the Experian and XXXX Credit Bureaus to request the removal of these inquiries due to their fraudulent nature. This submission serves as a subsequent follow-up to that initial complaint. I am optimistic that during the upcoming update of my credit reports, the Experian and XXXX Credit Bureaus will ultimately eliminate the two specific inquiries I've outlined below. Kindly review the following inquiries that require urgent attention for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Identity Theft Notification 1.Identity Theft. 
XXXX  Account XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

I am a victim of identity theft and have sent a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity ( in XXXX and XXXX ) and in addition, XXXXXXXX XXXX  mailed me an identity theft form which I filled out and mail back to them, plus proof of my current address. 

I also sent a copy of the identity theft report to along with my statement to XXXX 's all the credit reporting agencies- XXXX XXXX XXXX have deleted this account from my report but Equifax  has continued to ignore my request and this fraudulent is still reporting on my Equifax  report. 

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 10 years, Transunion has had my credit account listed to another individual who has a terrible credit record. So because they think I'm she, I'm the one that gets harassed and threatened by the collection agencies that are trying to collect on her bad debt. I even moved to try to escape it and it has followed me here. I have spoken to Transunion multiple times over the past and sent letters ( my bad, they were not certified ). All correspondence I get from them continues to be under her name. I have no debt. I owe no one, yet this woman and Transunion who is totally complicit in this, are ruining my credit. It is truly an astounding story of mis-identification which is too long to go into here. I just want my name back and separated from hers. I have frozen my credit with XXXX and XXXX  but can not do so with Transunion as her name is on my credit record. The mental anguish this has caused is unbelievable. Please help me if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Candian bank XXXX XXXX on my credit report. I think it belongs to someone with a similar name. I've submitted a request for removal from Equifax before.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

They call and text repeatedly. They call my family members and tell them that they are trying to locate me to settle a debt. I called them and asked them to stop calling my family member and they hung up and me and then continued to call my family members.
Product: Debt collection

This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with westlake financial services.it is an auto loan account and during corona virus, my account was reported as late in XXXX and XXXX. I was told to stop working at my job because covid happened and i have my letter to that effect. Before covid i had never missed a payment and i havent missed any payment since i resumed back in XXXX. 

I have tried to reach out to westlake financial several times but the agents put me on a hold for hours and cut the calls off without a call back. 

I just want the late payment report removed for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inquiry on my credit report that I believe is not mine. Upon reviewing my credit report, I noticed several inquiry that I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiry.

This inquiry is not mine : XXXX  inquiry Date XX/XX/year> I request that you investigate these unauthorized inquiry and remove it from my credit report as soon as possible. I have enclosed a copy of my credit report highlighting the inquiry in question for your reference.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applies to my account. These fees were assessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. 


the issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settle with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>