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

VyStar credit union rolled out a new & updated app and online banking platform ( yes, both at the same time ). Neither work. Every account of all users is completely inaccessible for TWO WEEKS now. The only way is to go into the bank, call or atm, but you can not see your transactions. The CEO & other executives refuse to address members. They have only spoken to the local news to spin. Its further concerning that they have used an IT start up located in their offices in downtown town XXXX called XXXX. They are the only client of this XXXX  company and multiple VyStar credit union executives sit on the board of this start up XXXX. They awarded their own start up XXXX XXXX to handle this botch job. Smells of self-dealing to us members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to XXXX, XXXX, and TransUnion to get inaccurate personal information removed from my credit report. I also sent out a letter on XX/XX/year> to all XXXX credit reporting bureaus to removed the inaccurate personal information as well. I advised them that my XXXX and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All other address should be removed.
Product: Student loan

Department of Education is not refunding me my XXXX payments even though I requested it as they stated on their website that I could request it. My loans were being serviced by XXXX and I had requested in the beginning of XXXX for payments made during the Covid pause be refunded. They said I would received confirmation of the request in 30 days. In the beginning of XXXX, my loans had then been transferred to Mohela for the XXXX program. I submitted a case on XXXX on XX/XX/XXXX requesting confirmation of my request. They ignored me for a month and then I asked for an update on XX/XX/XXXX ( Feedback Case # XXXX ), they closed the case not giving me an answer to my question. I then submitted another case on XX/XX/XXXX ( Feedback Case # XXXX ) asking for them to respond to my inquiry and was once again, not given an answer. I still have an open case from XX/XX/XXXX asking for an Ombudsman and a request for confirmation of the refund request ( Feedback Case # XXXX ) I followed with Mohela and they said I would get the Covid refund after my loans were closed out. I was on the Direct to Discharge list as of XX/XX/XXXX. On XXXX, my loans had been forgiven and I reached out to Mohela about the XXXX refund. They said I'd be getting {$100.00} back. I made payments on XXXX/XXXX/XXXX of {$320.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$250.00} and XX/XX/XXXX {$200.00}. This totals {$2400.00}. Now I'm being given a run around and I don't see the Department of Education actually doing anything now that my loans have been closed out. They said they escalated it to an Ombudsman but I don't have any hope of this being resolved. They ignored my request and now I feel will tell me it's too late. I did what I was supposed to do and they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states i have a right to privacy. 

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( 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 card or prepaid card

Received letter that a Discovery card was denied on our behalf and not funded due to not having enough information. We did not apply for card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission : XXXX  ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX XXXX over charged my accounts in overdraft and than closed my account XXXX
Product: Mortgage

Ref : XXXX XXXX XXXX, XXXXt 2nd Mortgage Loan Number : xxxxxxx Property Address : XXXX, XXXX, FL XXXX On XX/XX/XXXX, I purchased a condo with the down payment assistance program ( HAP DPA Program ). I received {$10000.00} for the down payment - interest free as a second mortgage. My contract stated that the second mortgage is due on Sale, Refinancing, or Rental. Im refinancing my condo so I need to paid off, the HAP loan, the second mortgage for, XXXX, XXXX, FL XXXX. For over 3 months I have called SunTrust Mortgage to requested a payoff letter to settle my commitment for the HAP loan. XXXX XXXX XXXX, my future mortgage company, has also contacted SunTrust multiple times to receive the documents to pay off my loan. I can't complete the refinancing of my condo without the second mortgage information. I was scheduled to close on, XX/XX/XXXX. My closing was canceled because we never received the documents to settle my second mortgage. On XX/XX/XXXX, I went into a XXXX, FL, bank branch BB & T/SunTrust now Truist for assistance in receiving the information for my pay off letter so I could settle this matter. I met with XXXX XXXX, who requested the letter of payoff on my behalf. As of XX/XX/XXXX, nobody from Truist has contacted me with the information I need to proceed with my refinancing. I'm at the mercy of SunTrust to complete my mortgage refinance. Completely frustrated and still waiting for the payoff coupon or letter of settlement which was promised each time I spoke to SunTrust. On XX/XX/XXXX, I contacted Ms. XXXX, again to inquiry about her success in receiving my payoff letter, Account # xxxxxxx. Ms. XXXX has not received any information on how much longer I will have to wait for the payoff letter. Your consideration in this matter is appreciated. 
Kind Regards, XXXX XXXX XXXX
Product: Credit card

I got this card with a limit of XXXX dollars already with an annual fee of XXXX dollars. I didn't agree, I called and canceled the card. However, there was a charge of XXXX dollars from XXXX XXXX that I didn't do. I complained to XXXX XXXX and they said that I have to pay everything for the annual fee and the fraudulent purchase. I canceled the card and they reported my credit and denied it to all the banks. Now I no longer have credit due to their mistake, not mine.
Product: Student loan

I opted out of the XXXX forbearance program when my loan was with XXXX XXXX. when Mohela took over my student loans they put me into the forbearance. I contacted them and they told me I had to recertify my ibr program to get out of the forbearance. I didn't feel like that was fair but I went ahead and I recertified for the XXXX. this did take my loan out of forbearance. I don't know for how long because the next time I checked, it was in forbearance again. I call customer service again they tried to tell me I had to recertify again I told them I would not and I did not have to because I had already recertified and I opted out of the XXXX forbearance. they got rude with me and said that " well most people do the forbearance '' and I told them I didn't care what most people did I opted out I wanted my loans immediately taken forbearance and put into the repayment because my ibr repayment is {$0.00}. I got a notice yesterday that due to the forbearance program that they put me in against my will against my wishes that I now have to pay them XXXX by XX/XX/XXXX. I am beyond fed up with this as I continue to try to take care of this even though it's not anything that I did wrong. I did all the proper steps. I opted out of the forbearance program. I've recertified my ibr. I have taken care of this student loan for more than 10 years without a problem until I experienced the servicer Mohela. I need them to correct my loan by back dating taking off that forbearance. correct every month for that XXXX that I should have been counted for XXXX and not in forbearance and get rid of the {$7000.00} payment that I have no idea what it's even for.
Product: Checking or savings account

Purchased a Coinbase Gift card for deposit into my Coinbase account. 
Coinbase verifies that the gift card is valid in the amount of {$250.00} but will not deposit it into the account, just providing an error. This has been happening since XX/XX/2023. 
Opened numerous tickets with them which they do not respond to. 
As you can see in the attached picture, I have emailed them 22 times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00}
Product: Credit card or prepaid card

I reported my card stolen and ordered a new card XX/XX/2020. I am not able to enroll in direct deposit so I can access my money thru another account. So I am stuck waiting on this replacement card which is supposed to come in 7-10 business days! I have no way of paying my bills or providing for my family right now!
Product: Mortgage

Short sale request was denied for a bogus reason.   I received a short sale denial letter yesterday that makes no sense and  Astoria i s not responding to me.   The denial letter states that the short sale was denied due to excessive fees and the offer was too low.   The fees on the seller side are NOT excessive - the 6 % realtor fee and 2 % transfer tax for Pennsylvania are traditional and customary - NOT excessive.   The sale price of this home is $  XXXX , which is the fair market value for this home. At this sales price, with all sellers closing costs deducted ( again - traditional and customary costs ) - with  NET Astoria  {$350000.00} - which is BELOW the payoff fo r Astoria.    Why woul d n't Astoria resp ond with a counter offer if this was the case - a rejection is just yet another way to delay this file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of the findings related to my dispute filed through Experian. The investigation concluded that the information reported was accurate. However, I have reason to believe that the review may not have fully addressed the evidence I provided or took into account critical inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information in my credit file. I kindly request that the CFPB conduct a thorough review of this matter and ensure that my consumer rights are protected especially during these times. Thank you for your attention to this matter. I trust that you will handle this case with the diligence it warrants, and I look forward to receiving an update regarding the reinvestigation.
Product: Checking or savings account

People were hacking my accounts, as well as pretending to be me!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX
Product: Debt collection

Comenity Bank has called my parents and husband and left messages about a debt I owe. I have emailed them stating the merchandise was returned and they need to take it up with their partner as they did not process the return in a timely manner causing late fees and interest to be applied to the account.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions. No way to speak to a representative to help with issues are to help solve any problems. Money lost
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$1800.00}, XXXX XXXX  Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES ON MY CREDIT REPORT I DID NOT AUTHORIZE XXXX PAYPAL XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Mortgage

Citifinancial fa iled to participate in the  XXXX  Help mortgage relief program and not only me, but to others as well. I was unable to receive help from the mortgage relief program in  XXXX  which caused me difficulties, because you would not participate.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX  has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : Auto Financing Auto Financing All Banks Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.
Product: Credit card

On Tuesday XX/XX/year> l got a email stating Amazon closed my account after they have illegally humiliated my company for the past year almost. They were always canceling my orders, not doing what they told me they would be pertaining to my account and the pay by invoice option I was promised via chat many times. 

I had a pending XXXX XXXX XXXXXXXX XXXX XXXX XXXX  pending but l am now sure that this is one of the reasons why I was denied since my credit was high enough. My business has spent a lot here and it's been one thing after another. I was supposed to be receiving my invite for my pay by invoice invitation email finally sent that night as promised then got the email randomly about my business account.

I have all the proof and screenshots from the Amazon reps of this. My account was closed for no reason. This will get fixed one way or another. I have been dealing with this for months. 

reference number for that Amazon XXXX XXXX XXXX XXXX was : XXXX I will be sending proof of the promises and how much money l 've spent with my business there at XXXX. I just want my business account back reopened with XXXX. And to be compensated for this pain and suffering Ive had to endure as the owner of my company. 

Amazon business email : XXXX XXXX
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIAL customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.