23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

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

On XX/XX/2022, I requested my report from XXXX to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in XXXX weeks. I have yet to receive the report. 

I then started calling all 3-credit bureaus to dispute any information that was received by XXXX due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. 

Experian on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the XXXX XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with XXXX and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since Experian uses them as a third-party vendor that my credit report should be cleared from negative reports that XXXX has provided them because they are not abiding by the Fair Credit Reporting Act. 

She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that XXXX obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact XXXX and dispute the bankruptcy information and will have a response available within XXXX days ( about XXXX and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by XXXX should be deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. 

After completing my call with Supervisor XXXX, I then tried to call XXXX XXXX regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.
Product: Debt collection

On XX/XX/XXXX, I noted a collection from XXXX XXXX XXXX for {$390.00}. Further inquiry revealed the debt was from the XXXX XXXX XXXX XXXX located in XXXX, XXXX on XXXX XXXX. They revealed to me that in XX/XX/XXXX, someone applied for an apartment using my social security number ; however, the email and telephone number provided by the fraudster were incorrect. The initial application went through but was later denied for fraud ( XXXX says their system has the attempt listed as fraud due to inability to verify income ). However, the application fee was still processed using my SSN. The charge was only recently ( XX/XX/XXXX ) listed on my credit report for {$390.00}. The XXXX XXXX XXXX  has been contacted and I have a police reoort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My complaint is against ford credit.

I feel ford credit doesn't really care about there customers. Nevertheless I feel that they use scare tactics, And looks to harass people who has nothing to do with loan. 

This year, my wife has been admitted into the hospital. Been in the hospital multiple times this year. With that being said, I had a loss income from her. Then medical bills for her. I was facing financial hardship. When I brought it up to the attention to ford credit in the beginning of the year, they told me they can not help me until I make the next payment. When I make the next payment, I'm told. I still couldn't get help they have to wait until I make the next payment. Every single month they told me. I will have to wait for the next payment before get any type of help. That they could not put me on no type of hardship program. So each one I made a payment I reached out to ford for help. Just to keep getting pushed to the side, and waiting another month, after month.

I thought what ford did to me before, last year was bad. When they gave me a due date and told me if I pay by this certain day. I could avoid the car being repo. At that time they gave me a date that I had until to pay. However they repo the car, even when I paid. Way before the repo date. Costing me more money to take my car out. Engaging in unfair acts or practices of repo. I incur significant costs related to repossession, and negative marks on my credit reports. 

When I had them before help me COVID-19 pandemic, i feel they added on other cost that lead me to face financial hardship. 

I am so upset with Ford. On XX/XX/20, in the after XXXX call my wife in the afternoon on her cell phone. Demanding loan payment and providing info on me owning on loan. However, my wife is not even on the loan. She is not a cosigner. Share my personal information on her cell phone about me. My wife has a serious XXXX XXXX My wife got so upset. Because she felt she was harassed. Then my wife got really XXXX. She couldn't understand why would they be calling her on her cell phone. When the loan has nothing to do with her. 

My wife is Innocent party that was harassed by ford about my debt. She should had been protected under the FDCPA. 

Even again I asked him to put me on a financial hardship program. I was told again. I have to wait until my next payment. On going for the whole entire year like this. 

Ford makes it hard for me to make payment. They will only take a payment from me if I pay at XXXX. They will not allow me to make payment over the phone or online. Due to the hours that I work at my job. It makes it very difficult to get it to XXXX. Because by time I get their customer services close. 

I am afraid of repo
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

OMNI FINANCIAL OF XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED OVER AND OVER FOR 5 YEARS NOW ACCOUNTS THAT ARE FRAUD. NOW I HAVE INQUIRIES THAT KEEP POPPING UP I HAVE SUPPLIED POLICE REPORTS FTC REPORTS AND TRANSUNION KEEPS COMING BACK SAYING THEIR MINE. I DONT THEY ARE EVEN LOOKING AT THE REPORTS SENT TO THEM. BUT THIS IS DAMAGING MY CREDIT WITH TRANSUNION. HOW DO I GET THIS STUFF REMOVED I HAVE EVERYTHING TO PROVE IT IS NOT MINE. I NEED HELP. 

TRANSUNION XXXX XXXX THEY NEED TO READ THE FTC REPORT CAREFULLY AND SEE THE ADDITIONAL INQUIRIES AS WELL AS THE ACCT NUMBERS TO EACH ACCOUNT THAT IS FRAUD,
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : 1. XXXX XXXX XXXX XXXX Balance : {$860.00} 2. XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : 1. XXXX XXXX XXXXXXXX XXXX bal. {$600.00} 2. XXXX XXXX XXXX bal. {$22000.00} 3. XXXX XXXXXXXX XXXX bal. {$580.00} 4. XXXX XXXX XXXX bal. {$1500.00} 5. XXXX XXXX XXXX bal. {$990.00} 6. XXXX XXXX XXXX bal. {$17000.00} 7. XXXX XXXX bal. {$490.00} 8. XXXX XXXX XXXX bal. {$480.00} 9. XXXX XXXX XXXX XXXX. {$130.00} 10. XXXX XXXX XXXXXXXX bal. {$1600.00} 11. XXXX XXXX XXXX bal. {$1200.00} 13. XXXX XXXX XXXX bal. {$1200.00}. Please delete the following inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error : XXXX / XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/2021 - ACCT # XXXX HIGH BAL : {$420.00} CREDIT BAL : {$1200.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXXXXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not get give transunion a verbal nor written consent, i did not authorize nor benefit from any of the following inquiries, Block and remove them immediately
Product: Money transfer, virtual currency, or money service

In regard to transaction address XXXX I had asked coinbase to cancel the transaction and returned the funds to my account because XXXX never received the funds. There was a problem with the transaction that wasn't listed in the details. XXXX does not support XXXX XXXX. XXXX does support XXXX  but not in XXXX. The transaction that I have been dealing with for over 50 days it's stuck somewhere in the blockchain, because the address that was generated from XXXX  in XXXX and the transaction was sent from XXXX XXXX XXXX XXXX. I spoke with XXXX and the only option is for coinbase to recall the transaction. I need someone from coinbase to give me a call on the phone so I can speak to someone. There's no other way to access the transaction that was made. I am aware that the transaction was successful on the coinbase side. However since XXXX doesn't support XXXX XXXX it went to an empty address that nobody has access to. 

I am going to copy and paste the coinbase previous response to my claim the first time. Coin face should have recognized where this error happened without me having to submit another claim. 

Company 's Response Dear XXXX XXXX, Review of your complaint and after reviewing your account, we can see the funds have been successfully sent out of your Coinbase.com account. You can verify this on the block explorer, which is a record of all crypto transactions : XXXX If youre having trouble locating the funds, here are some details to check using the link above : - Ensure you sent funds to the correct address- Ensure you sent funds on the correct network- Ensure you, or the person you sent to, are able to access the wallet where the funds were sent If you sent funds to the wrong address, you'll need to contact the recipient and ask them to return the funds. If you don't know who owns the address, unfortunately there's no way to try to recover the funds due to the irreversible nature of cryptocurrency transactions. If you're having trouble locating funds sent to a site outside of Coinbase, we recommend reaching out to the support team of that site so they can help you to gain access to the account and locate the funds. For future reference, the following link has information on sending and receiving crypto : XXXX XXXX XXXX Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. Sincerely, Coinbase XXXX XXXX XXXX
Product: Credit card or prepaid card

I was told I would get a XXXX  dollar credit for XXXX dollar of purchases within the next statement. Later, they changed their answer to only get it after two billing cycles. I had called two times to confirm this and they only changed their answer after I had already made the purchases. They only offered the offer when I tried to cancel the card. CITI is clearly bait-and-switching their customers to extend their credit cards. This is unacceptable.
Product: Credit card

On XX/XX/XXXX, I was told to provide proof of address update and phone number change due to my move. I was provided the email XXXX and sent my phone bill for proof of phone number and a current electricity bill as proof of mailing address, which is detailed in that email. Ever since then, Ive been calling every week and they have been requesting the same documents that I sent initially and giving me the run-around. It is XX/XX/XXXX and I havent had access to my card since before XX/XX/XXXX and no one seems to have any answers for me. At this point they are holding my funds from me unnecessarily
Product: Credit card or prepaid card

My Citi credit account was recently closed due to returned payments made within the last 6 months. 2 payments were made using the wrong checking account number. An amount to XXXX and XXXX. An payment of XXXX cleared before closer and was made over the phone use the correct account number. 
I don't feel I was treated fairly by the Citi Bank. I spoke to the department in charge of the closer as well as the Supervisor. I  was told the account can not be reactivated. I wasn't given a reason. I again was treated unfairly. The amount that remains on the account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Student loan

I have contacted Mohela multiple times as my XXXX XXXX oans were forgiven under XXXX, but my XXXX XXXX loans were not forgiven and should have been. They have identical payment and employee certification information. I keep getting told paperwork was misfiled, they fixed it, and I will hear back. I hear nothing back, and nothing has been resolved. This has been the case for over a year. 

Now loans are in repayment. So I filed for a forebearance and received an email and letter stating my loans were in forbearance. Next, I start to receive emails my loans are past due. I return to their website to determine what is going on. The forebearance letter states in the first sentence of the first page my loans are in forbearance. However, the third page then states that my loans do not qualify for forebearance. So the letter contradicts itself. I have called multiple times, but have been unsuccessful in actually speaking to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX Have a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.