23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint regarding the mishandling my case by Discover card services in response to unauthorized charges and a data breach affecting my account. On the unfortunate day of a robbery, my XXXX, along with multiple credit cards and bank debit cards, including my Discover card, were stolen. Additionally, it was later revealed that my financial accounts had been compromised due to a data breach dating back to XXXX up to the current period. 

Despite promptly reporting the incident to the police and providing Discover with the necessary police report numbers ( robbery report number XXXX and data breach report number XXXX ), the resolution process has been marred by delays and inefficiencies on Discover 's part. 

Discover assured me that they were reaching out to the police department to obtain the official police report ; however, owing to the exigency of the situation, I had to undertake immediate preventive measures, such as changing both my phone number and email address, to safeguard my financial accounts from potential unauthorized access via the stolen XXXX & data breach. 

Subsequently, I filed a fraud claim with Discover for unauthorized charges spanning the period of XXXX. Although Discover did reissue a new card following the initial claim, this replacement card was also compromised due to the prevailing data breach. 

Regrettably, it wasn't until XXXX that Discover initiated a proper investigation into my fraud claim. This delay was primarily attributed to Discover Card customer service erroneous classification of the claim as a billing dispute, causing substantial inconvenience and financial repercussions for me. Notably, Discover subsequently closed my card account due to an outstanding balance resulting from the fraudulent charges linked to the data breach and the stolen phone. 

Of grave concern is Discover 's recent decision to deny compensation for the fraud charges while reinstating charges that I had already settled during the investigation period. This unjust treatment has not only imposed significant financial strain but has also adversely affected my credit score, exacerbating the hardships caused by the entire ordeal. 

In light of these circumstances, I am seeking immediate redress, fair compensation for the losses incurred due to the fraudulent activities, and restoration of my credit score, all stemming from Discover 's mishandling of my case. I trust that the Consumer Financial Protection Bureau will investigate this matter diligently and facilitate a just resolution in accordance with consumer protection regulations. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX filed for bankruptcy. XXXX received a letter that I owed estimated {$1300.00} for XXXX XXXX credit card under a different last name but with my info. Disputed it and explained that it was not my debt because I have none. I mailed back paperwork and on posted note asked for proof of debt. Didnt receive anything until months later received mail that I returned to sender. Since it was not my mail I was not going to open it. Time passed Im getting sued. Called lawyer office asked for proof of debt and was told It would be sent out. Didnt receive anything until weeks later received paperwork from sheriffs office. I mailed papers back to court And stated I would not be showing up because they sent the wrong person the wrong papers. Forward to present day, This attorneys office is trying to garnish my wages. I once again asked for proof of debt and explained to them I asked previously which they are denying I did not. I was sent a letter that still does not show proof of debt. All the information that I received was through the paperwork from the sheriffs office and never from any debt collector.
Product: Credit reporting 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. Skyward Credit : Account # XXXX, has violated my rights. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.
Product: Credit reporting

I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX % accurated dated and verifiable.
Product: Debt collection

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, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX. Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Checking or savings account

Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX  reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
TransUnion and XXXX  both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status XXXX  report XXXX XXXX XXXX as a closed account status. TransUnion report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.
Product: Debt collection

I was the result of identity thief about 8-9 years ago and this debt collector refuses to listen to anything that I am saying. They keep sending bills of statements I have no knowledge of. My identity was stolen and it took many years to correct things. These account are fraud. This company has harassed me for the last 6 years. I got this company removed from a few bureaus but on XXXX they wont remove it. I am a victim and I refuse to pay for someone elses wrong doing.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.
Product: Credit card

Citibank aaadvantage credit card. Applied for the citi credit card, application declined but still receiving statements from citibank for annual membership fee for the card which was never issued. 

Tried to work with customer service, fraud dept and other departments in last two months. Still the issue is unresolved.
Product: Credit reporting or other personal consumer reports

When I opened the account I was told NO INTEREST as long as I do auto pay and never miss a payment. XXXX of XXXX  I was charged interest without notification.
Product: Credit reporting

This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB.
Product: Credit card or prepaid card

Received American Express prepaid card from Serve on XX/XX/22 to my address for XXXX XXXX XXXX, someone that Ive never heard of and who has never lived at my address. I called the customer service number XXXX and there were no options to speak with an agent. The best they could do in their digital response was to refer me to CFPB.gov if I had any complaints. Apparently someone is fraudulently using my address to obtain this prepaid card.
Product: Credit card

My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. 
Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I received a call from a XXXX XXXX XXXX area code number and when I answered the lady said that she was from Regional Finance and that she had a program that I was eligible for to catch up my payments and my next payment would be due until XXXX, I said great so she did someone paperwork on her end and said she was transferring me to XXXX at the XXXX XXXX whom I am familiar with. When I speak to XXXX she asked what's the reason I got behind and I explained it to her and she said that was ok and if my payment was too high and I told her no it was ok she said she was placing me on hold to finish process, after a short time on hold XXXX XXXX from the XXXX XXXX whom I am also familiar with picks up from and begins demanding payment and attempting to use my debit card which is on file to make a payment after I have explained to him twice that I currently do not have the funds, he becomes quite unprofessional saying that there is not assistance for me and he is not going to allow it basically from the conversation we had after the lady that first contacted me stated otherwise. XXXX XXXX XXXX has become increasingly unprofessional and deceitful with customers at Regional Finance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 : TEXAS XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by TEXAS XXXX XXXX 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 Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at TEXAS XXXX XXXX : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of TEXAS XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from TEXAS XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from TEXAS XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX
Product: Student loan

I received multiple daily calls from navient beginning in XXXX. Navient continued to email my work email after I submitted XXXX response emails requesting not contact my work email address although they continued to contact my work email address soliciting payments. I have submitted XXXX complaints to the states XXXX regarding the total disregard of my written request for navient to stop contacting my work email address. The last straw was when I received a email request to postpone my student loan payments on XXXX XXXX, 2016, in which I replied yes, then reiterated for the third time not to contact my work email address. On XXXX XXXX, 2016, I received a email stating that my forbearance was approved. On XXXX XXXX, 2016, I received a email stating that my forbearance is ending. I my response is literally " unbelievable. '' Never once was it discussed regarding the student loan forgiveness program. I worked in a civil service capacity for over 8 years.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


XXXX XXXX XXXX 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