23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!
Product: Debt collection

I had a hospital bill that I was unaware of because they called a phone number that was outdated and did not send notices to my updated mailing address. As soon as I found out about the debt I processed payment to have the account settled. I requested for deletion of the account because I was unaware of the account, but those requests are being denied for a policy that they refuse to provide me in writing. The first request for deletion was in XXXX of XXXX, then again in XXXX of XXXX, following XXXX of XXXX. I have yet to receive any formal policy in writing why this medical account can not be deleted from my credit profile. The response I receive verbally is because of the age of the account and the date in which I made payment. They did confirm with me that all notices and collection attempts were made to outdated contact information. I verbally informed the company that I will be filing a complaint and that I feel that the continued reporting of this account is in violation of HIPPA laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX  ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00}, Original creditor XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 RE : You Violated The United States Code Law 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX Sincerely, XXXX XXXX
Product: Mortgage

Ditech is reporting a open inaccurate mortgage account on my XXXX credit report that is not correct please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Money transfer, virtual currency, or money service

I have attempted to cancel this service since XXXX has refused to assist in changing my alarm monitoring connection to Wi-Fi to be compatible with my new internet connection and ISP. This request has been " blown off '' at least four times over the past four months. Our previous communication connection was by cable/land line. We changed communication to Wi-Fi ( XXXX ) and disconnected the cable ( XXXX XXXX ) on XXXX XX/XX/2023. In fact, XXXX did not even detect a communication fault until 1-1/2 weeks later -- VERY POOR SERVICE RESPONSE. 

I also sent a letter confirming my service disconnection, which was returned undeliverable. 

I have explained this to my credit card company to which XXXX continues to make charges and the Navy Federal Credit Union has declined to cease the payments.
Product: Student loan

I contacted Navient on XX/XX/XXXX about my my student loan payment and my IBR. I was told at that time the payment of XXXX could not be stopped because it was already being processed. I was then told that I could request a refund. While my application was being reviewed to reinstate my IBR. I then Submitted my proof of income through the IRS as I was instructed and I was told that the information was too old and not within the three month window. I then submitted a W-2 on XX/XX/XXXX did not find out that it was not viewed as enough information by logging in XX/XX/XXXX. Upon which I resubmitted a W-2 on that day. I then called on XX/XX/XXXX and they were closed due to XXXX XXXX. 

I called on XX/XX/XXXX and was disconnected two times after talking to representatives. The first person I spoke to told me that they would be able to refund both payments from XXXX and XXXX and that they had all the paper work required from me. I asked could she give an estimate on what my new payment would be and then I was disconnected. I immediately called back and the next rep told me that if they refunded me the payments than I would go into default because my IBR had not been approved. Then I was told to hold and was disconnected again. Upon speaking to the third representative I was told that they couldn't refund me and that I would go into default if they did and that I had no more forbearance. She then said that the notes said that they suggested consolidation. I had spoken to know one about consolidation. She then said that she could send me information on consolidation and she could give me forbearance. However I should wait until I get approval from the IBR department before making a decision. I have received no written information about this matter from Navient just deductions from my account.
Product: Debt collection

Dear LVNV Funding LLC I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

XXXX XXXX XXXX XXXX : LVNV Funding LLC Balance : {$270.00} XXXX XXXX XXXX
Product: Consumer Loan

Creditor participated in Unfair Deceptive Abusive Acts or practices ( UDAAP ) by committing a Breach of Covenant of Good Faith and Fair Dealing and a Breach of the of Implied Warranty of Merchantability. Creditor via merchant provided me with a vehicle backed by a loan which was defective and which had serious mechanical problems, and as a result the creditor via its merchants practiced and committed unfair dealings which is a breach of contract and a violation of my consumer rights. I was unable to drive the car and had to park it for over a year as the car was not functional. They therefore violated FDCPA and state Laws. This inputted a high financial burden on me and greatly affected my credit and therefore I will like the violations committed by the creditor to be investigated.
Product: Credit reporting

I sent a dispute to correct errors on my credit file on XXXX XXXX and they ignored my request even though I sent it through fax and was given a confirmation that the fax was successful I sent XXXX pages and upon checking dispute through their website and none of the personal information or accounts that I disputed are under investigation and it will 30 days tomorrow.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies. 

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes, I have been a customer of Synchrony bank for 12 years in business with them, I have current credit cards, that I continue to pay and do not have any delinquent accounts with them. I recently received a letter yesterday as of XX/XX/2019 in the mail from them stating my account with XXXX was closed because I no longer use it? recently they have lower all my credit balances on all other cards as well.in the letter, it says there's a number of accounts with delinquencies? this information is untrue and has found this company not only to jeopardize my credit score. I do not have any delinquencies with this company. I continue to make my payments on time with Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this company many times. They stopped reporting to one of the credit bureaus but still report to XXXX. These accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Capital One XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed two items that was found on my credit report that were fraudulent with transunion 1 ) XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. transunion said the items were verified. but i called each creditor and they no information on me with those accounts and also when i disputed these items i sent in police report with dispute but they claim they didnt get police report but it was all sent certified mail with disputes
Product: Consumer Loan

I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. 

When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. 

Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. 

I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXX  with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Student loan

Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.
Product: Money transfer, virtual currency, or money service

I would like to formally submit my serious concern for Zelles handling of financial disputes especially in the light of CFPBs recent lawsuit highlighting serious issues with the money transferring platform. I have used Zelle so many times for legitimate things and despite my requests to investigate legitimate reporting discrepancies, Zelle has inadequately investigated my claims as the service promises to do. This informed me that tracking these past transactions was impossible as well as recovering lost funds that were not my fault. The CFPBs findings show me that Zelle has neglected to protect their customers and our money. They have allowed people to exploit the platform leaving people like me vulnerable to scams. I do not feel safe using Zelle.
Product: Debt collection

Radius Global Solutions LLC has an open balance of {$1400.00} which i believe is a collection from XXXX XXXX.. this account is false as i currently have an open account with XXXX XXXX and should not be in collections
Product: Checking or savings account

On XXXX, I opened an account in BBVA. I never received the debit car even though I requested it three times. On XX/XX/XXXX, I asked they send it directly to the bank so I could pick it up later because I was going to be out of the US for several weeks ; however, they never gave it to me. Starting on XX/XX/XXXX someone withdrew money from my account for an amount of {$6800.00} dollars, and I realized that until XX/XX/XXXX. I opened a dispute with BBVA, since I never received the debit card, for an investigation on who and how my money was stolen and I sent documents proving that I was not in the US at the time ; but the bank hasnt done any real investigation on the matter and they simply refuse to give me my money back. Since the beginning, this bank has continuously made mistakes because of their poor security and investigation processes and they wont own their mistakes. Ive had to open 5 different disputes and they are not interested in resolving the issue. Because I, being the victim, have been treated as the aggressor ; and it is a totally unfair and irresponsible conduct.