23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, my account was restricted after I initiated a partial asset transfer to another brokerage, XXXX. Since then, Ive been unable to trade ( specifically, I can not buy stocks ) and withdraw my money, and the issue remains unresolved despite submitting all the required documents promptly. And they asked me to request a phone call back, which I did. But the result was that Heres what Ive done so far to try to resolve this : 1. Contacted support multiple times, but Im always redirected to the virtual assistant, which provides no meaningful help.

2. Joined the support call line, and after three days, I received the call but nobody answered on
their end. All I could hear was the environmental noise, and after 4 mins, the call was ended by them. After that, they sent me an email saying that they couldn't reach me. How dare they? 

This experience has been incredibly frustrating, as Im unable to access my funds or trade. I understand that transfers may require additional review, but the lack of communication and resolution is deeply concerning.
Product: Credit reporting or other personal consumer reports

In reference to account number ending in XXXX. 
I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Military Star card XX/XX/year>. I was really having some personal issues as I am a victim of fraud and the XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing NORDSTROM/TD BANK USA for {$3600.00} opened in 2018. I have tried several times to have this removed since this is not my account. They have declined the dispute every time with no back up informationto prove this is my so-called account. I am not sure of the next steps I need to do but this has been a very stressful situationand is affectingmy credit for somethingthat is fraud or an error.
Product: Checking or savings account

Back in XX/XX/XXXXXXXX  2019 I was a victim of XXXX XXXX, there were several bank accounts opened, credit cards and loans applied for without my consent. I was unaware of this until 2021 when I went to apply for a Navy Federal Bank Account and was instructed to contact early warning services. The Bank Account that was fraudulently opened was XXXX, XXXX Navy federal also XXXX I have personally disputed this account with regions and was told that the account was created online and there was nothing further that they could do as the account was closed with a fraud alert attached. Since then I have been trying to have this account removed as I did not open the account and XXXX  have no valid proof that I opened the account online. i have attached the original XXXX XXXX submission confirmation along with a new XXXX XXXX  submission
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a second certified dispute to XXXX, Experian, and XXXX on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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 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 XXXXXXXX.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Letter Dated : XX/XX/2022 ACCOUNT # : XXXX VIN : XXXX FIRST ATTEMPT Attempted to pay deficiency owed in the amount of {$3200.00} Toyota won't work with me in attempting to pay {$25.00} to {$30.00} a month until total amount is paid. 
SECOND ATTEMPT : Asked if they could provide a credit amount on a credit card as to fix my credit rating with all Credit Bureaus. It would look good on my credit file and at the same time pay them what is owed. But they won't do that either. 
I am willing to give them a second chance on the second attempt and we would both come out winners. All I need is a credit card issued by any of Toyota subsidiaries. Just enough credit on the card to pay off the deficiency and show them that I fell on hard times as I told their Collection Agency. The young lady at the Collection Agency was courteous and a professional. She understood the hard times that came due to the COVID19 pandemic. 
I would not use the card until the full balance is paid for. PROMISE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, XXXX and Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : Experian has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the Experian report. I have tried to speak to Dispute dept Reps from Experian only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that Experian uses so they could not help me or remove it from my report.
Product: Credit reporting or other personal consumer reports

Dispute filed on XX/XX/2023 about the 2 fraud accounts on my name. One account was deleted but the other one is still on my name. It is affecting my credit score and it is showing very low.
Product: Credit card

In XX/XX/year>, my credit card was charged a {$650.00} annual fee, but my credit limit is {$1000.00}. I requested the credit card company to adjust the annual fee amount to {$250.00}, but they refused, citing the card 's terms. Their actions violate 1026.52 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, XXXX  XXXX  Dear XXXX XXXX XXXXMERCURY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Ohio Revised Code Section 2913.49. 

It has unequivocally come to my attention that XXXX XXXX T/MERCURY has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Section 2913.49 of the Ohio Revised Code, underscores the severity of unauthorized access and misuse of personal information. This statute establishes clear guidelines and consequences for identity fraud, emphasizing the protection of consumer information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXXMERCURY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXXMERCURY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Ohio state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXXMERCURY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/year> I willfully joined in an agreement with XXXX homes to purchase a home XXXX XXXX XXXX XXXX XXXX XXXX. I received a preapproval for the loan by XXXX XXXX XXXX XXXXXXXX XXXX as the loan XXXX. XXXX XXXX at XXXX realtor is my realtor. I spoke with XXXX many times regarding my closing cost because I needed to get an understanding if I will owe anything. XXXX told me multiple times that I would not owe anything in fact that I would be receiving money back. My loan closing disclosure changed XXXX times and when I address XXXX telling him that I could afford high closing cost. XXXX assured me again that I would receive money back and would not owe any money regardless of what the closing disclosure says. XXXX had many excuses and did not thoroughly explain the fees and why the fee exist. Also I advised XXXX that I did not want to pay any points on the loan. I different financial XXXX advised me that I was bringing charged {$2000.00} I. Additional fees for the loan interest rate. I did not agree to this. I had my realtor XXXX XXXX reach out to the Builder to ask if I could switch to a different lender because the current lender I am using I am not confident in the numbers and feel that Im being taken advantage of. XXXX at XXXX homes stated that I could not. So I tried to resolve the matter with XXXX but the same behavior continued. XXXX advised me again that I would pay any additional money besides the {$5000.00} earnest money that I put down on the home.
Product: Credit card or prepaid card

Barclays Bank has said they can not help me regarding this dispute. I provided them with the credit vouchers that I found in my contract documents with XXXX XXXX, both of which were not signed by me. 

This card was not authorized by me nor were these charges. 

My contracts with XXXX XXXX have been cancelled. If Barclays Bank can do business with such a scam as XXXX, it puts them in the same category, scam artists. 

Barclays said to take it up with XXXX. Since Barclays is harassing me for payment when they were never given authorization to open a card for me or put any charges on it.
Product: Vehicle loan or lease

Santander Bank failed to properly disclose benefits and limitations of GAP waiver notice. I was pressured into purchasing GAP add on product. Add on product caused extra interest in loan amount. Inaccurate deficiency reported due to illegal add on product interest rates. It is unlawful for any service provider or covered person to engage in any unfair deceptive or abusive practices
Product: Student loan

On XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. At this point I had been waiting over hundred days since I first contacted them to request a refund back in XXXX of this year. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I made {$6500.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Debt collection

Have had several reps being disrespectful asking how I manage to pay my other bill and can't pay this. Said if not paid will take me to court and wage garnishment. This would definitely not come off my credit report. Asked to original contract with wet signature, original payment history, and purchase of assignment and was told they could not give this because not in file.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 these transactions was impossible. The CFPBs findings indicate that 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

Experian is not taking into account all the payments and positive standing on my account and still showing a low fica score unlike XXXX  which is showing a positive increase in fica score and payment updates
Product: Credit card

I was behind in payments with discover due to being laid off from work ( 3 months of being unemployed so far ). On XX/XX/year>, I paid my full balance ( {$600.00} ) on my Discover account before the due date of XX/XX/year>. On XX/XX/year>, I received an email confirmation from Discover acknowledging the payment and thanking me for completing the transaction. 

However, on XX/XX/year>, I contacted Discover and was informed that my account had been closed due to a business decision. I was also told that this account closure may negatively impact my credit report, despite the fact that I made the payment on time and complied with all Discover terms and conditions.

When I called to dispute the closure, I was told there was no way to reopen the account or stop the negative credit reporting. This closure feels unjustified and unfair, as I acted in good faith by paying the balance before the due date.

I believe Discovers decision was made in error, and it has the potential to cause harm to my credit, despite my adherence to payment deadlines. 

I am requesting that my account be reopened, that no negative information be reported to the credit bureaus, and that I receive a clear explanation of why my account was closed despite my timely payment.
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX ** Subject : Dispute of Inaccurate Information Under 15 U.S.C . 1681i Dear Equifax, I am writing to formally dispute the accuracy of information associated with my credit report ( Report Number : [ Insert Equifax Report Number, if known ] ). Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I ask that you investigate and correct the following inaccurate, incomplete, or unverifiable items related to my account with XXXX XXXXXXXX : XXXX. **Account in Dispute : - Creditor Name : XXXX XXXX  - Account Number : [ XXXX ] - Disputed Item ( s ) : Due to the data breach that occurred my credit file was compromised in 2017 and has since been reported inaccuracies, Late payments reported in my credit file as well as a inaccuracies of my credit score - Reason for Dispute : I am a victim of identity theft because of the circumstances that have accrued which has caused me financial hardship due to inaccuracies in my credit file and improper credit history which has led to creditors seeing a inaccurate credit score on my credit file.

Under 1681i, you are required to conduct a reasonable investigation within 30 days and provide written results. If the information can not be verified, it must be promptly deleted Enclosures Please send me an updated credit report and a summary of the investigations outcome. Failure to comply with FCRA obligations may result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following account : Navy Federal Credit Union. Navy Federal Credit Union removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This Navy Federal Account has been closed for two years, XX/XX/XXXX. Then, Navy Federal Credit Union created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed Navy Federal to change the account number and retain the same false information to the original fraudulent account. Navy Federal changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. Navy Federal never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

Navy Federal and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of all the 3 credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced Fico score? I will enclose my XXXX XXXXXXXX XXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my XXXX
Product: Credit reporting or other personal consumer reports

I just see this inquiry on my credit but i not request any credit line from this people CREDCO
Product: Credit card or prepaid card

XX/XX/2018 my XXXX account was hacked and someone made a {$450.00} purchase on my account without my permission. XXXX sent me an email that there was fraud on my account. XXXX card services would not remove the charge. Thanks for looking into this problem. I closed out my XXXX account and cancelled my credit card and received a new one.
Product: Debt collection

Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.