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

As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position.

Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected.

This morning, I received notification that they responded to two disputes I initiated with them.

The problem - I never contacted them regarding any disputes.

I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. 

This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.
Product: Debt collection

I keep receiving so called letters from a " debt collector " saying that they are from Jefferson Capital. They claim that I had an account with some organization named XXXX. I have never done any business, nor have I ever had any accounts with a card company named XXXX. I have requested that the letters stop being sent, but this so called debt collector named Jefferson Capital, continues to send these letters. They appear as though they have been printed with an at home printer.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company added fees to my account that was not correct the car was totaled and the car was paid off with the gap insurance I also see that they have a lawsuit for the things that they have done to people this is showing incorrect information on my credit report as well and is affecting my score for wrong information XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several in accuracies on my account. 
This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items i am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is fraudulent. I have already supplied this company with several documents of police reports, FTC reports on this debt due to identity theft. No one ever Called me back from this company from XXXX after I submitted everything they requested. The XXXX XXXX detective even called them to get this situation cleared up. They now have submitted yet another collection on my credit report and never once called me to say they needed something in addition to the 70 plus pages I sent them. 
This company is ruining my credit when I have been the victim of credit theft, and I have proven that to them in XXXX of XXXX
Product: Debt collection

I need help. Original amount was less than a XXXX. I don't remember buying anything with them. 

SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXX Responsibility : Individual Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$670.00} Date Updated:XX/XX/XXXX Original Amount : {$89.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed :XX/XX/XXXX
Product: Credit reporting

My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.
Product: Debt collection

Company name : Transworld Systems Inc. 
Acct : XXXX I have recently moved and received a debt collection related to a closed XXXX XXXX account on XX/XX/year>. The notice said that I had until XXXX to dispute the debt. 

I called the debt collection agency and was greeted with a very rude counter party. I asked her why I was receiving a collection notice that gave me no time to respond and was based on an account that was fully paid when I closed it. She refused to provide me with any information, said that there's no mistake, and that I owe the full amount being requested. She told me to speak with XXXX XXXX if I had any issues. When I told her that her company is the one attempting to collect a debt, that they've already placed a notice with the major credit bureaus that has effected my credit, and that I would like to please speak with a XXXX, she became even more hostile and hung up. 

Please help me resolve this issue as it has already had a negative impact on me by lowering my credit score. Thank you
Product: Vehicle loan or lease

Subject : Complaint Regarding Non-Compliance with ECOA Section 1002.9 - Deficient Adverse Action Notice.

To Whom It May Concern, This letter serves as a summary of my formal complaint regarding BMW Group Financial Services non-compliance with the Equal Credit Opportunity Act ( ECOA ), specifically Section XXXX. 

On XXXX XXXX XXXX, I submitted a credit application through BMW of the Main Line, which was subsequently forwarded to BMW Group Financial Services. On XXXX XXXX XXXX I was informed by the dealership that my application was declined. However, the adverse action notice provided to me failed to include the specific reasons for the denial, instead vaguely stating that my application does not meet minimum credit requirements. This is a direct violation of 12 CFR 1002.9 ( b ) ( 2 ).

Additionally, the notice included other deficiencies, such as missing disclosures required under the ECOA and an inaccurate representation of my application submission as not being an internet application, despite being submitted online.

These practices potentially violate the ECOA and the Fair Credit Reporting Act ( FCRA ), and I am requesting an investigation into these issues to prevent harm to other consumers.

For further details, please refer to Exhibit A, which contains my full formal complaint outlining the violations, my concerns, and the specific actions I am requesting. Additionally you will find attached the decline notice from BMW Group Financial Services along with emails between I and the dealers client advisor.

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Towards the end of XXXX, I was exploring getting a home equity loan. My broker told me that upon checking there was a 90+ day late payment for a USAA Credit card. I have never used a USAA credit card. I called USAA to find out and after being on the phone for two hours learned the following. The account was opened in XXXX. We figured out that it was simultaneous with my ex and I getting USAA insurance through her father. I have not had that insurance in years. 
I have never used the USAA card. There is one charge on it since we XXXX for $ XXXXand that was in XXXX of XXXX when I did not possess a physical card. I was informed that the card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX Ca. in XX/XX/XXXX. I haven't lived at that address since XX/XX/XXXX. The purchase in question was made on XX/XX/XXXX to a vendor I would never do business with. 

I have since called twice for two more hours worth of transferred calls and no answers. I cancelled the card on XX/XX/XXXX. On Saturday XX/XX/XXXX my ex wife received a NEW USAA card ( same number as the one I reported as fraud ) with my name on it at her address where I have NEVER lived. I called the company and they had no explanation
Product: Credit card or prepaid card

I had every synchrony credit card closed without any type of notification. Every card I have which is 11 has 100 % on time payment history and the cards were not even maxed out. Very low balances as some were promotional balances. My credit score rating is good across the board. I received a letter stating high risk. Doesn't make sense considering I just received my new Sam 's credit card in the mail last week and THEN they decided to cancel every card. Very disappointing considering I am a high volume user. Never missed a payment and 100 % on time payment history. After researching I'm seeing this across the board.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had leased 2 phones with XXXX  in XXXX. In XXXX when I canceled service, I returned the phones. I was able to obtain proof of that then, so the first collection agency dropped it. Now I've got Jefferson capital system reporting the account as a new collection on my XXXX XXXX like its a new account, even I've already proven that it was paid, and not only was it settled, but settled XXXX yrs ago.
Product: Checking or savings account

Our bank that we have had for over XXXX years was purchased by Truist now they are harassing me with opening new accounts or that forcing me an XXXX XXXX XXXX to go into local branch office if I want to do anything major with my account. We opened a new account online and because our internet goes through a VPN for security they blocked all internet access to my 3 accounts I own. I had to argue with them than spend 3 hours in the local branch risking Covid to get my account unlocked. They than said they would close the new account and we would have to open the new once again after Friday. I than called to get an account opened and they are saying we have to go in again because of comments on our account! The bank is treating me like I am XXXX and saying it's for my protection! That is XXXX they are harassing and abusing me for being a senior who want 's to open a new account for my other son! I stay in 90 % of the time except for doctor appointments or to pick up my medicine and they are wanting to force me to go out during a pandemic after XXXX years of being with the same bank! This is absurd! The reason they locked my account than 3 hours of supposedly getting it fixed and they refuse to allow me to do any banking over phone or internet like opening a new account!

I am about to have to close a total of 6 accounts and go to an entirely new bank if they will not fix this but this is going to be a major problem as I will have to have my pensions, social security, and other payments and processes changed to all new accounts and cards. But I can not remain with a bank that is going to harass me especially during a pandemic and my age risk. They don't care and I tried to get it fixed over the phone with them speaking to managers and they will not do anything on there end!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practic es Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX , Experia n &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Product: Prepaid card

My Skrill Account was locked XXXX weeks ago, numerous tickets and attempts to get them to explain why it's locked and what is needed to unlock has resulted in no action and wasted time. 

Tickets are auto closed and escalations are ignored. They are holding over {$4600.00} of my hard earned money without any plan or communication on how I gain access.
Product: Checking or savings account

I opened an account with Ctiizens Bank with a promotion that promised to post a {$200.00} bonus credit to account within 90 days of an eligible direct deposit that posts to the account. Such an eligible transaction occurred on XX/XX/XXXX. However, the promotional bonus was not posted within 90 days, and instead was posted on XX/XX/XXXX. I was charged " overdraft '' fees three separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I never signed up for overdraft protection with this bank, and my account balance would not have gone below {$0.00} had the bank posted the promotional bonus as per the terms of the promotion.
Product: Student loan

I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

RE : Debt Validation Request Pursuant to FDCPA I am writing to formally request validation of the alleged debt referenced in your recent communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under the FDCPA, I am entitled to dispute the validity of this debt and request proof of your right to collect on it. I ask for complete validation and verification in accordance with federal laws, as well as the Uniform Commercial Code ( UCC ), which regulates the transfer of debt obligations.

Please provide the following documentation to support your claim : Verification of the debt amount, including an itemized statement of the original principal, interest, fees, and any other charges ; Documentation of the original creditors name and address, including proof of any transfer or assignment of this debt to your agency, as required to verify your authority to collect on this debt ; Copies of any contract or agreement evidencing my obligation to pay this debt to the original creditor ; Proof of compliance with state and federal laws, including proof of your licensing to collect debts in my state and assurance of compliance with the Real Party in Interest doctrine. 
Additionally, I am aware of my rights under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), which clarifies that debt collectorsincluding attorneysare subject to FDCPA requirements. Under this ruling, all communications must be free of misleading or deceptive claims about the debt.

Please also note that the Uniform Commercial Code ( UCC ) 9-404 provides me the right to assert defenses against an assignee, should the original debt not have been properly validated before its transfer. Therefore, I request complete documentation of the chain of title for this debt, confirming that you are the rightful owner and real party in interest w

ith the authority to pursue this collection. Further, the Consumer Financial Protection Bureaus Regulation F ( 2021 ) stipulates that debt buyers must provide sufficient verification of a debt and details regarding consumer rights. If your agency can not provide this verification, I expect that all collection activities on this matter will cease immediately and that you will correct any entries on my credit reports accordingly. 

If you can not substantiate this debt with the requested documentation, please discontinue any further communication regarding this matter. 

Thank you for your attention and cooperation in addressing my request.
Product: Prepaid card

My dad was given a prepaid card from his company and he gave it to me to use. I tried to check the balance using the website and number on the back of the card to figure out if I already used them or not. When I called, they told me that they are not able to provide any information because I am not the owner of the card. I asked my dad to call them and they told him that he is not registered under the card either. They told us to send government proved photo id to verify our identity. It was very weird for gift card company to ask for our personal information please help us out. They told us that we are not able to use the card until we can provide our personal information to them.
Product: Debt collection

Commonwealth Financial reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by Commonwealth financial from another junk debt collector named XXXX XXXX XXXX whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, Commonwealth Financial did not send me a written notice in regard to the debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX  credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I purchased a loan with a 5 year contract in XXXX of XXXX from US auto sale financial ( USASF ). My loan was to mature in XX/XX/XXXX. They had me sign a contract stating that I would give them {$200.00} every two weeks until the account is paid in full. I found by mail my loan was sold to another company. I found out about this after numerous call to US auto sale with no response. My loan was sold to West Lake financial on the same month my loan was to be paid off, with an outstanding balance. I was also informed my loan has been extended to XXXX of XXXX by West Lake Financial. I received a letter from Westlake financial in XXXX of XXXX that they are now the current owner of my vehicle and I had an outstanding balance for over {$2500.00}. I told them that was incorrect as I was to finish paying off my car that month. They told me no they purchased a vehicle for over {$2500.00} in XXXX from US auto sale, Ive asked them numerous time to clarify what those amount are. They told me I should know why it is that mount because this is my vehicle. I made a payment in XXXX. I then told WLF that I refuse to pay them anything else until they clarify where did that amount came from they have yet to do so. I recently reached out to them and told them I havent heard from them. They told me that there was a repossession on my vehicle for nonpayment. Ive been paying on my vehicle for five years. I havent been late but one time when I caught XXXX and I found out I had XXXX XXXX and I called the company because I thought I had insurance for the company to cover if I got major sickness or lost of employment. USASF told me I didnt have such coverage. Ive been paying on this car for five years and now at the end of my term this company Wesley financial is now its attempting to repossess my vehicle. I am at a loss and not sure what to do. Ive been late on all my bills because Ive been battling XXXX XXXX. The only account I paid on was the make sure I get to the doctors appointment and now found out when I thought my account is paid off they telling me no and requesting another {$3000.00} for me. My mature loan has now been moved to XXXX of XXXX please help me.