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

While focus may be on PayDay Loans and their exorbitant interest, there seems to be no attention being paid to bank overdraft fees. Chase, my current bank, charges {$34.00} per paid or returned item if I accidentally overdraw my account and will not extend me overdraft protection because of medical debt destroying my credit score. How is this any less usury than a PayDay Loan? Granted, they are fees and not interest but the difference seems subtle to me. Does it really cost {$34.00} to pay a {$5.00} check? 

My worst horror story was with XXXX XXXX in XXXX Illinois. They admitted they could see international wire funds pending for deposit to my account the instant they were released to from the foreign bank. They suggested it would take 14 days for the funds to clear the transferring bank and actually post to my account. They paid checks I wrote against uncollected funds but charged me a hefty fee the same as for overdrafts for each. This situation ultimately created an overdraft situation that just snowballed. I refused to pay the fees and their customer service response was to place me in the XXXX XXXX which is totally one-sided ( and deserves another complaint ). I lived without a checking account until I fell from the XXXX XXXX and never did pay them the manufactured fees!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a call from Mariner telling me that I was {$43.00} short on my last payment. I had been over paying the loan and on XX/XX/XXXX I went to the website to check my monthly statement and it said the amount due was {$20.00} and that's what I paid through my bank ( XXXX XXXX ). They pay all my bills since I suffered a identity theft in XXXX. 
The payment was made days before the due date of XX/XX/XXXX. They wanted me to pay the shortage over the phone in which I refused and said that I would pay as I normally do. He continued to push me to pay right then so I ended the call. This was my 2nd issue I had with this group. When covid started they offered all account holders a chance to refinance their loan in which I looked into. They came up with a {$9.00} difference and adding 6 months to the term, I declined, that's when the XXXX XXXX started from the rep. trying to force me to take the new loan I again refused but he continued to argue with me as to why I wouldn't take the deal I again ended the call, immediately after that I got a call from the branch manager and she continued the onslaught of insults toward me for not taking the new loan, I felt {$9.00} a month and additional 6 months just wasn't worth the trouble. I check my balance regularly on the website and it is never matched to what they tell me I owe its always more $ XXXX and I feel that I've been stuck on one figure for quite sometime. Each time I have talked with them they try strongarm tactics, the Mariner branch in question is Mariner Finance XXXX XXXX  XXXX XXXX in XXXX NC. this were the loan originated.
Product: Money transfer, virtual currency, or money service

I submitted a transfer of XXXX Etherium on XXXX/XXXX/XXXX at XXXX to Coinbase/XXXX. They show they received the amount and were processing it so it would be available in my account. It has been stuck processing since XXXX XXXX. I have submitted 3 support cases and made multiple attempts to contact them via their main XXXX channels @ coinbase @ coinbasesupport @ XXXX. The sent one reply to my first support request which was a generic email on why transactions can take a while but made no effort to look at my account or resolve my issue.
Product: Checking or savings account

On XX/XX/XXXX I thought I lost XXXX checks XXXX to XXXX for XXXX and XXXX XXXX for XXXX The banker put stop payments on the wrong acct!! He used my sons acct who doesnt have enough money and now double payments were taken out of my checking The banker now left me broke XXXX when Ive never had a financial issue and sent bills out that will bounce!!! 
Unacceptable and this is not my fault and my credit can now be affected I cant go food shopping as there is limited money or get gas This is absolutely wrong and something should be fine to get my money back so XXXX can eat How dare they do this!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX I got an email alert from XXXX stating that I had a new Bank/Credit Card Inquiry on my credit report. I logged into my XXXX account and saw that there was a hard inquiry from my credit card company, Nordstrom Card, on my report. I called XXXX and was told that since it was not done by someone that I am not aware of then they could not remove it and to contact Nordstrom so that they could resolve it for me.

I called Nordstrom and told the customer service rep my concern with an inquiry that I did not authorize on my credit and was told since my account is in collections I had to talk to a different department ; I was transferred to another department and they advised me this is an attempt to collect a debt. I asked them why did they perform a hard inquiry on my credit report and was told that they needed to verify my number since they have not had luck reaching me. I told them that is not a valid legal reason to do a hard inquiry on my credit and to remove the inquiry ; the rep put me on hold and then came back on the line stating that it is legal to verify my phone number if they can not reach me. I told them that I would be reporting them and disconnected the line.
Product: Payday loan, title loan, or personal loan

ON MONDAY XX/XX/XXXX I HAD APPLIED FOR A LOAN WITH TURNER ACCEPTANCE CORP . I WAS ADVISED THAT I WAS APPROVED FOR THE AMOUNT I HAD REQUESTED WHICH WAS XXXX. I WAS ADVISED TO BRING MY PAYSTUB MY ID AND WOULD VERIFY MY PHONE NUMBER AND AN APPOINTMENT WAS SET FOR XX/XX/XXXX @ XXXX. I HAD ADVISED THAT THE PHONE I CURRENTLY HAD WAS BROKEN BUT THE LINE IS STILL A GOOD WORKING NUMBER ( NOT DISCONNECTED ). THE REPERSENTATIVES SEEMED ANNOYED WITH THAT AND STATED THEY NEEDED TO VERIFY MY NUMBER WHICH AGAIN WAS NOT A PROBLEM, BUT I NEEDED TO GET A NEW PHONE TO PLACE MY CHIP IN IN ORDER FOR ME TO ANSWER THE PHONE. UNDER MY NAME I HAVE TWO LINES AND THEY REFUSED TO USE THE SECOND LINE THATS UNDER MY NAME TO VERIFY PHONE NUMBER SO IT DOES NOT MATTER WHAT NUMBER IS USED TO GET A HOLD OF ME SINCE BOTH ARE MINE. THE APPLICATION WAS AT THE XXXX XXXX XXXX XXXX LOCATION. SINCE I HAD TO GO ALL THE WAY TO MY HOUSE TO GET THE CHIP I HAD REQUESTED THE APPLICATION BE TRANSFERED TO XXXX XXXX XXXX XXXX SINCE MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX IL IT WOULD HAVE BEEN EASIER TO GO TO THE SOUTH LOCATION SINCE ITS CLOSER TO MY HOME. THEN I GET TO THE SOUTH LOCATION AND I WAS ADVISED MY ACCOUNT HAD BEEN FLAGGED FOR SUSPICION/ FRAUD AND THEY REFUSED TO DO THE LOAN. THEY ALSO BEGIN TO TELL ME THE REASON IT WAS TURNED DOWN DUE TO MY PAST PAYMENT HISTORY, NONE OF THIS WAS TOLD TO ME BECAUSE I WAS ALREADY ADVISED I WAS APPROVED WHEN I HAD FIRST APPLIED. THIS IS NOT HOW BUISNESS IS DONE I GAVE THEM EVERYHTING THEY NEEDED AND THEN GAVE ME FALSE INFORMATION AS TO WHY MY LOAN WAS DENIED AFTER I WAS ADVISED IT WAS APPROVED! I AM REALLY UPSET!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy in my credit report that I recently identified. The account in question is associated with Sallie Mae and is reported under the following details : - Creditor Name : Sallie Mae - Last Four Account Number : XXXX - Inaccuracy : I have attached the screenshot of the inaccurate dates after XXXX which when the account was paid in full and closed and before as well. The inaccuracy was also modified inaccurately through out this year of XXXX for no apparent reason, but to harm my credit an financial stability. 
I have reviewed my financial records thoroughly, and the payment history reported by Sallie Mae is inaccurate and negatively affecting my credit report. This inaccuracy is negatively affecting my credit score, and I kindly request that you investigate this matter.
Product: Credit reporting or other personal consumer reports

This Response is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : XXXX XXXX XXXX & Account Number : XXXX Account Name : XXXX XXXX XXXX, XXXX. & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. XXXX account # XXXX Late payment reported XXXX late Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a
Product: Credit card

Having issues with payments being made and being update on theie site. I Called Comenity bank may times starting in XXXX. I explained to them that I am making my payments and are being withdrawn but it is not updating the proper balance. Spoke with several agents and Supervisors from Comenity and they verify I am making my payments and that my payments are going to a closed account. I explained to them several times that I am unaware of a second account and they need to close that and fix the issue and recover my payments and to put them on proper account. They said they will contact IT team and the issue is on their end. I still continued to make payments to Comenity but issue still has not been resolved and is now reporting to credit reports as past due and card is maxed out and in danger of being closed.
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 recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety
Product: Bank account or service

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XX/XX/2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XX/XX/2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies, Experian and XXXX  will not remove a negative account past the time limit as per the FCRA. Its been 7 years, 5 months since XXXX XXXX XXXX XXXX XXXX  repossessed the vehicle due to non payment. The vehicle was repossessed because I was unable to obtain affordable insurance in the State of Connecticut due to my credit score at the time. XXXX XXXX XXXX then decided to add an insurance fee I was unable to afford, the $ XXXX monthly payment became a $ XXXX monthly payment. XXXX XXXX XXXX has noted I owe XXXX balance due, when the vehicle was repossessed I had an XXXX balance. However the vehicle was auctioned off and charged off. I am being treated unfairly and the negative remark is hurting me yet again in obtaining credit or good faith with other credit lending companies.
Product: Student loan

Student loan servicer, MOHELA, has miscalculated payments towards qualifying me for public student loan forgiveness. They received my application towards PSLF and grossly miscalculated by having improper employment dates through a nonprofit organization. I worked for XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. MOHELA is calculating my employment end date as of XXXX, XXXX, XXXX. That's 7 years of employment history that's vanished!
Product: Bank account or service

I am a consumer who experience the fraud of Wells Fargo and opening accounts. My children are XXXX and there was a business account opened by someone else in my name without any paperwork being signed by me in XXXX, MN. I went into the branch at XXXX, MN and it resulted in the account being closed and I preferred another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history is inaccurate. I never missed a payment. The company doesnt report my payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is being unfair to me for the prolonged infractions of my consumer rights per the Fair Credit Reporting Act and the Federal Trade Commission. I have been in communication with them for a number of months now, mapping out unrecognized account in my credit report and giving all the details needed for this company to investigate and delete this account. 
But to my surprise, they keep on reporting it and don't at all respond to my request. 
Please assist me to make this company carry out a real investigation this time around and finally removed this untitled account right away. 
Below is the account in question : 1. Untitled, Account # XXXX, Date Opened, XX/XX/2015 I dont know what this is, would you please delete this unrecognized account from my report right now! 

I am attaching the letter i sent to them earlier as evidence of my correspondence with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX XXXX XX/XX/year> National Credit Systems XXXX Naturally Fresh Blv XXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Product: Mortgage

XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, XXXX, and Equifax. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.