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

Hello, I received my pandemic unemployment through US Bank Relicard. I requested a new card due to my card being lost. They sent the card to the address I requested. They then proceeded to place a fraud hold on my account without telling me. They claim it was due to a change in address. I explained I DID NOT change my address, I was out of the state taking care of an ill family member, and that is where I requested the card be sent. 

When I tried to activate my card, I received an error message. I then called the customer service line. They told me I was to send a change of address form to the fax # given, and I explained to them I have nothing to update/change. That is when the real issues began. They then proceeded to ask me for a copy of my license, which I sent four separate times. The fax # given is apparently for their offline team, so there is no way to verify the documents have been received by the appropriate people. They then proceeded top ask me for my taxes, W2s, bank statements, utilitie bill, social security card, and I even sent pictures of me with my actual face in the frame. I have now sent it a total of 4 times, and I have spoken with at least 8 people. 

I have written to the XXXX XXXX XXXX with no luck taking that route. I explained the only thing I can possibly think of for them to even have a system in place to completely leave the consumer completely out to dry, helpless, at dead end, and completely wasting frivolous amounts of time is to keep the funds that are in the locked account for immoral reasons. 

I have tried to ask for a supervisor, and have been told conflicting information with regards to that as well. One women said she was actively walking around their office looking for one, then told me she had to let me go because her supervisor was XXXX she was on the other line for so long, then she proceeded top hang up on me. 

I am at a point now that since day 1 of speaking to someone, which was XX/XX/XXXX, it has been over 15 business days. That is what I was told that even under the most extenuating circumstances would be the max, but I could expect 5 days. I told my land lord that today, XX/XX/XXXX, was the absolute latest I would have our rent to him, and US bank is yet again telling me I have to just wait for them to figure it out for us. 

Thank you again. 

I sincerely appreciate any help or anything you can do to help me navigate this.
Product: Checking or savings account

I've had an online savings account with Marcus by Goldman Sachs for several years. During that period, I changed my address and phone number, although continued to make deposits and receive communications from Marcus via the email address on the account. My balance in XXXX reached {$270000.00} plus, so for the first time I tried to withdraw some funds to stay under the FDIC insurance limit. At that point, Marcus froze my account, and I've been trying for weeks to get resolution. Because my old phone number and mailing address don't work, they seem unable to do anything to clear the lock on my account. ( I now live in XXXX, but their system can't deal with a XXXX phone number, and they won't do it through the email, even thought that's the only way they've every communicated with me, including all their required tax docs and notices ). After hours of dealing with Marcus customer service ( using that term loosely ), I asked that they go ahead and close my account and distribute the funds back to my XXXX and XXXX accounts from which I wired funds. They said they could do that, but have been unable to execute ; they keep telling me to call back in 1-2 business days, and I end up with new people who don't know anything and have to start over. I have reached out to every Marcus resource I can find, but I'm getting nowhere - so they're continuing to hold almost {$300000.00} of my funds and giving me absolutely no solution about how to get it. I'm baffled and shocked that a reputable company is behaving in this manner, and I need assistance in dealing with this short of filing a lawsuit.
Product: Debt collection

At first Barclay Bank would call and we had a payment plan set up for {$20.00} a month in XXXX because I was going through a rough patch and the representative said they could help soothe the damage it may do if I didn't pay anything at all. While I was still paying on the payment plan they sent the debt to numerous debt collectors, who proceeded to harass me over the funds owed to original bank at an even higher amount. About a year later, XXXX, Barclay bank filed a lawsuit which I was not given any notice of to dispute, just a date for court, which resulted in my income taxes being garnished for over a thousand dollars. Directly after the withholding of my taxes, I reached out to the company and was insured that the dispute was settled. But now I am still being harassed by debt collectors on behalf of Barclay Bank for the full amount of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my XXXX XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
Product: Checking or savings account

I am writing a complaint against navy federal credit union regarding multiple overdraft fees I have occurred. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged immediately for a 30 day trial, brought to their attention, they changed dates of new membership to keep the {$24.00}. I disputed them & was transferred, never assisted. Went thru XXXX XXXX  XXXX but they made exception, received Credit back.They stated I was on the dark web, my account was being used in a different pattern actually as I use my XXXX  to spend then transfer funds from checking and pay off XXXX maybe more than once a month. Also I mailed & texted proof of medical/XXXX  bill, not mine.Unsure that's been removed.Seemed as though they would create a questionable issue with the intent to keep me a member. My bureau wouldn't warrant their expense. Bad biz practices & i disputed their performance.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeCollection Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$510.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX 2022
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX TD Bank USA N A Nordstrom Inc Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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, has violate 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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXXBalance : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX/XXXX  XXXX Balance : {$3800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX  XXXX XXXXBalance XXXX {$3500.00} XXXX  XXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I have had to research and pay for credit consultants to help fix my credit and get inaccurate inquiries off my credit from XX/XX/XXXX to XX/XX/XXXX and still have not been able to correct all the inquiries before another data breach happened and added more inquiries to my credit report as well as solicitation calls that I cant seem to stop including text messages.
Product: Checking or savings account

I have a TD Bank checking account. On XX/XX/XXXX I entered into a fraud transaction which left my account negative once my payroll check was deposited. I went promptly to the bank to close the account and file a fraud complaint. Since going to the bank on XX/XX/XXXX the account has incurred the negative charges on top of additional overdraft fees that I feel as though I shouldn't have to pay any back due to the fraud taken place. I have filed a complaint with the local police department and attempting to file with XXXX XXXX as well.
Product: Money transfer, virtual currency, or money service

My phone was stolen around XXXX XXXX by an ex partner. In this time, I am working to afford a new phone and ultimately decided to change my number. I attempted to lock my card in person and it was able to be done. On XX/XX/XXXX I received an email stating that my previous number was deleted from my Zelle account due to conducted activity that is inconsistent with Zelles Terms and conditions. When asked what had happened, I was explained that there were large summations ( {$980.00} ) requested from my account to random people, received, and sent out as a scam from my account. MY PHONE WAS STOLEN. Now that I have obtained a new phone and number I am trying to link it to this account with Zelle. however, I am still receiving the same message saying that I am unable to use my number or email with Zelle. This is super frustrating as I am a college student frequently getting funds from my parents via Zelle. My new semester starts soon and with this issue I am concerned about how I will be able to receive my funds if Zelle is prohibiting any money being sent and received to or by me. I dont have images to where the money was sent considering my entire phone was stolen. It could be via XXXX XXXX or XXXX but again with this new phone I have no access to that.
Product: Credit card

On XX/XX/year> someone claiming to be me, XXXX XXXX, and using my SS # went into Suncoast Credit Union in XXXX, FL, and took out a loan for {$10000.00}. 
This person then went to another branch of Suncoast Credit Union in XXXX, FL and obtained a credit card in my name. The limit being {$18000.00}. 
As soon as I became aware of these two fraudulent incidents, I called Suncoast Credit Union to complain and let them know someone else impersonated me and I did not borrow this money or take out a credit card. I have called them multiple times. I can never speak to the same person. The information I get is not clear. I am being ignored and getting no significant help clearing my name and credit record of these two fraudulent actions.

I have gone to my local police and filed a criminal report. I don't have the report yet. It takes a few days. 
I have called the three credit bureaus and asked them to freeze any actions in my name. 
Suncoast Credit Union XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX
Product: Debt collection

LNV FUNDING PLACED TWO COLELCTIONS ON MY CREDIT REPORT AND THEY HAVENT VALIDATED THE DEBT I USED A CREDIT REPAIR COMPANY TO REACH OUT TO THE AND THEY STILL HAVENT SENT ANY THING TO VALIDATE THE DEBT, SAYS THEY WONT REMOVE IT UNTIL IT PAID
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 in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifty the accounts i disputed.Being that they have gone pastthe 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to -- -promptly delete all information which can not be verified.that i have desputed.Please resolve this manner as soon as possible.Thank yoi.
Product: Credit reporting or other personal consumer reports

I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask XXXX, experian and XXXX  to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be moved. given letter and file reports and the items are still on my report
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries on my report that do not belong to me. The inquiries include : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

1. I received communication from a random and unknown caller asking for the name of my person while I was enjoying time with my family. This call was an inconvenience as I had to step away from intimate time with them. 

2. When I asked who was calling and from what business or agency, the person calling gave me some acronym that I did not recognize and proceeded to ask for my name. Once I gave them my name, they said that they were attempting to collect a debt from me. I asked who it was again and they stated that they were " Grimm '' collections trying to collect on some medical or dental account. 

3. I then asked how did they acquire my name, number, or any information whatsoever without my permission or consent to which they proceeded to probe about some alleged XXXX XXXX XXXX  debt and asked " how I would like to pay ''. 

4. I do not see any connection between myself and this company. I do not recognize Grimm Collection as anyone I've personally done business with nor do I owe them any sort of legal obligation. 

5. I have reasons to believe HIPAA laws may have been violated by Grimm 's collections and whomever may have given them some sort of private XXXX transaction history or information because I never delivered that to them personally. 

6. I know that collection agencies buy debts at pennies on a dollar and then trick or misrepresent or manipulate regular people into pulling their hard earned money out to pay their agency which they have no relationship, connection, contract, agreement, or arrangement. 

7. The aforementioned is an example of abusive, deceptive, and unfair debt collection practices utilized by debt collectors such as Grimm collections. 

8. Grimm Collections and the Consumer Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent. 

9. Any and all consent to Grimm Collection, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX etc. whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 

10. Grimm Collections abusive actions directly affect interstate commerce and do not promote any sort of protection.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles process for handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the program. Dispite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking them was infeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XX/XX/2019 Synchrony reported to XXXX  that it had closed my amazon store card, I called on XX/XX/2019 to inquire why and the customer service representative informed me that it was because I had two returned payments, one for {$3.00} and one for {$5.00}. I informed her that the payment was returned because the bank account I used had changed my account and routing number, I also informed her that in the over 2 years that I have had the Amazon Store Card that I have NEVER missed a payment, and my account was still in good standing and even though though payments bounced back I still made {$40.00} in 2 separate payments to my account within 9 days and BEFORE my statement date ended and I had also met my minimum monthly payment LONG BEFORE the due date.
Product: Credit reporting or other personal consumer reports

I sent documentation to experian about an account that was deleted but remains as a closed account. I wrote to them over 30 days ago and sent the following. The fair credit reporting act 15 usc 1681s 2 that no one shall furnish inaccurate information. I ask that this account : XXXX XXXX be deleted immediately.