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

As of XX/XX/XXXX Marcus by Goldman Sachs took over XXXX XXXX XXXX XXXX credit card accounts including mine. In the last few months of XXXX I had a credit of {$13.00} which the Marcus representative confirmed. During the transition period before I knew Marcus was taking over I charged {$100.00}. Several representative told me their policy was to get the customer 's banking information to issue a credit, but I refused since I was new to the company and Goldman Sachs ' reputation from the XXXX 's is bad. They said they would not reduce my payment amount, but agreed that they would issue a check. I spoke with representatives in XXXX and XXXX who said the request for the credit check was being processed. I mailed payment in full to their XXXX processing center by certified mail in XXXX, the post office delivered it to them, and they lost it. I finally paid by phone in XX/XX/XXXX to end all issues. They never sent the check and the representative I spoke with today said the check was canceled with no notice to me because their was a balance on the card ( but they never applied the credit as promised ). I am concerned that any account that transferred over to them from XXXX XXXX XXXXXXXX XXXX that had a credit was not given the appropriate benefit and customers including me have been deprived of credits so they could benefit at our expense. Also, the card was never hacked when it was with XXXX XXXX, but has been hacked three times in the lack few months since they took over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX partial account # XXXX ... 
XXXX 
Hard enquires XXXXXXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that Chexsytem and XXXX XXXX  both continue to report fraudulent and damaging information in my consumer reports in their systems. My identity was stolen. It has been years and it seems every year Im finding more information to ruin my credit. There are accounts listed on my reports that were opened fraudulent using my stolen drivers license. You all have accounts listed in my report that arent even my social security number. My chexsystems report has been locked since XXXX yet I find out there are bank accounts that were opened in XXXX which I dont understand because I didnt authorize them being opened. Per the FCA all information in my report that is fraudulent should be removed and blocked. I will be attaching my FTC report. I bank with XXXX XXXX right now and they have my accounts restricted because they stated they found another with my information and I didnt have knowledge of they also stated there were several accounts with my name and birthdate but different social security numbers. I am now having to fly out to a branch to verify my identity so my account can be verified. Had this not happened I wouldve never known about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Some have different dates and charge off dates. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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 an account without my written instructions. 
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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

PROOF ENCLOSED 1XXXX ACCOUNT XXXX ACCOUNT TYPE INACURATE DATE LAST ACTIVE INACURATE 2XXXX XXXX XXXX ACCOUNT TYPE INACURATE NO ORIGINAL CREDITOR ( WHOSE ORIGINAL CREDITOR ) DATE LAST ACTIVE INACURATE 3.US DEPT OF ED/XXXX NO OF MONTHS INACURATE PAYMENT STATUS LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE 4. XXXX XXXX XXXX ACCOUNT TYPE INACURATE LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.
Product: Credit reporting or other personal consumer reports

I sent out XXXX XXXX Letters for all negative items being reported on my credit reports, with all XXXX major bureaus, on XXXX, XX/XX/year>. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The XXXX  day response period expired on or about XXXX, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have Bankruptcy removed from LexisNexis report.On XX/XX/2020 I received a letter from LexisNexis dated XX/XX/2020 that doesn't state anything removing All bankruptcies from there report ( s ). 
Consumer Number : XXXX Case Number : XXXX XXXX, XXXX, XXXX has removed the Public record " Bankruptcy '' from the credit reports except LexisNexis.The 10 years is up
Product: Credit card or prepaid card

Applied for a CareCredit card for a medical procedure. On their website it states you have two options to pay. 0 % at different terms like 6 month, 12 month, 24 month, etc or 24 months offer with a 14.90 % APR, a 36 months offer with a 15.90 % APR or a 48 months offer with a 16.90 % APR. Purchases of {$2500.00} or more may be eligible for a 60 months offer with a 17.90 % APR. When I called to select 0 % for 24 month period they said they have nothing to do with setting the terms the doctor office does. The information on the rates is buried in the disclosure information at the bottom of the page and does not appropriately explain that you need to contact the doctor or what ever medical institution you are doing business with to see what terms you will be offered. 
Therefore ; because I did not understand this and the way it is explained on their website they are not transparent in how the rate will be determined and that you should check with the medical entity to understand what rate you will be charged. To me I find this to be bate and switch as to what they are offering. Had I known upfront and understood that I would be stuck with interest rates of something between 15.9 % to 17.90 % I would have made other arrangements for payment at a lower rate through a different financial institution. This needs to be made clear on their website that the doctor 's office determines the rate. Also, the call center you call into is offshore so you can barely understand what they are saying and the client service was horrible. Please visit the following page to see how the rate terms are explained : https : //www.carecredit.com/howcarecreditworks/prospective/
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, 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 have violated my rights. On XX/XX/year>, I reviewed my Experian credit report and discovered various instances of incomplete and inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ).

Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file.

Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.
Product: Money transfer, virtual currency, or money service

Good afternoon, From Axos Bank ( routing XXXX ) Checking account ( XXXX ) to XXXX XXXX  ( XXXX ) Interest checking ( XXXX ) were transferred {$1000.00} dollars on XX/XX/XXXX. 

The XXXX XXXX checking XXXX was closed XX/XX/XXXX without somebody to contact me. I initiated this transfer, because I didn't know XXXX had closed my accounts. They never contacted me. 

This {$1000.00} should come back to my Axos Checking XXXX. I still have access to my online-banking at XXXX, and can confirm this amount is not visible at XXXX XXXX checking XXXX. The {$1000.00} are still missing from Axos Checking XXXX. 

I spoke several times with XXXX and XXXX agents. 
XXXX responded : " Dear XXXX, Thank you for contacting XXXX Bank. We value your business and are happy to help with your returned XXXX inquiry. 

Upon review of your profile, I see a returned ACH transfer of {$1000.00} on XX/XX/XXXX from Checking Account XXXX. These funds should have credited back to your external account by XX/XX/XXXX. Unfortunately, we can not provide further assistance with retrieving the funds as they are not in our possession. Please contact Axos and inform them that the funds were returned. If they can not locate the funds within their system, they may require that you file a new dispute so that they can process a chargeback from the XXXX system. I greatly apologize for any inconvenience this has caused. 

Thank you for choosing XXXX Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, XXXX XXXX, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can always visit us online at XXXX. 

Stay safe, XXXX XXXX. 
Customer Service XXXX Bank '' I have opened dispute case for it at XXXX. Here is the dispute : " XX/XX/XXXX @ XXXX PM Name : XXXX XXXX Dispute Reason : The money has been sent to my Ally bank account whicn was closed at XX/XX/XXXX. It's XXXX day ago the transaction itself. Ally bank account is : Account XXXX is XXXX and routing XXXX is XXXX. 
Account Number : XXXX Account Name : Checking XXXX Account Available Balance : {$210.00} Date Event : XX/XX/XXXX Transaction Description : XXXX Debit - XXXX XXXX XXXX XXXX XXXX : CHECKING XXXX : CHECKING Balance : - {$570.00} Transaction Amount : - {$1000.00} Transaction Date : XX/XX/XXXX '' Here is the conclusion : " We have completed our investigation based on the documentation we have on file and have determined that your claim will be denied because no error has occurred. 
Please contact the XXXX directly for resolution. 
For more information, please reach out at ( XXXX ) XXXX. 

Kind Regards, XXXX XXXX Axos Bank '' The complain is about : XXXX. {$1000.00} dollars which disappeared between two banks with an ACH transfer. 
XXXX. Ally bank closed all my accounts without a valid reason, and even without contacting me.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Mortgage

On XX/XX/XXXX, my husband was retiring from the XXXX and I knew I would be the only one working. It was going to be difficult providing for our three kids. We decided to refinance our current mortgage loan with Planet Home Lending which we were VA residential on the loan. We contacted Planet Home Lending and immediately we were connected to XXXX XXXX who started our mortgage refinance application process and he made it seem it was a great decision and it would take at least three months. It also included not paying the mortgage for two months. On XX/XX/XXXX, I emailed Mr. XXXX to check on our application and he said it would take another month or two months. A month and a half passes by and we call and leave messages on his office and mobile number and he would not return our call. Instead, we finally received an e-sign document on our loan approval on XX/XX/XXXX which the preparation date on the document when prepared was XX/XX/XXXX. We sign the document and we gave it more time before contacting Mr. XXXX again. When we called his phone we would not get an answer and we would leave voice messages and he would never return our call. We were getting frustrated. I then emailed him and he emails back and cc 's a woman by the name of XXXX XXXX to advise and the email contained that the file was in " Encompass it is still processing ''. We never recieved an email with a response so we called Planet Home Lending and we were advised to contact Mr. XXXX once again but we explained the situaution to the person on the phone. We continue to call Mr. XXXX and XXXX again starting XXXX XXXX and no answer. We then applied for the forbearance to help our family during this process in XXXX. It is now XX/XX/XXXX and my husband called the mortgage company to speak to a manager and XXXX the manager hangs up in my husband 's face and never calls back. My husband calls Planet Home Lending back and he spoke to a representative to see if he could speak to someone above XXXX the manager and gets information to the issue. He stated he would get in contact with XXXX 's supervisor so he could advise her to call us and give us an update. I was just fed up with the words of promises but there were no actions behind it. We need help getting to the bottom of this as soon as possible.
Product: Mortgage

Six months ago, I paid an extra amount to be applied to the principal of my mortgage, however, the mortgage company ( Freedom Mortgage ) did not apply the amount to my principal, but listed it as " unapplied. " All my attempts to contact them have failed ( phone, email, and U.S. postal mail ).
Product: Debt collection

I entered into a contract to settle a private student loan debt with XXXX XXXX XXXX doing business in California as " XXXX XXXX XXXX '' ) brokered through XXXX XXXX XXXX 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections ( Synergetic Communication , Inc. ), who now falsely allege the debt is verified and accurate.
Product: Mortgage

I suffered severe storm damage on XX/XX/XXXX. My insurance company paid the claim for a new roof, repair to the soffit and fascia and drywall repair to the ceiling in the master bedroom. The insurance claim loss check # XXXX in the amount of {$13000.00} was sent to my mortgage company AHP Servicing , LLC on XX/XX/XXXX. They placed it in a limited escrow account and provided the list of documents needed to approve the contractor and release half the insurance proceeds to the contractor. Numerous attempts to release said funds to pay my contractor XXXX XXXX XXXX XXXX were met yet the funds were not dispersed. I had to send an error resolution notice on XX/XX/XXXX to force them to send the payment to my contractor so that the repairs could be made. The check was finally overnighted XX/XX/XXXX in the amount of {$6800.00}. The roof was replaced on XXXX XXXX and the drywall was completed XX/XX/XXXX. I had called AHP to determine what was needed to release the balance to the contractor once all the work was completed. I was told an inspection would be ordered and the contractor needed to supply a signed lien release. The inspector from XXXX XXXXXXXX XXXX XXXX ordered by AHP Servicing ( order ID # XXXX ) submitted his inspection of the completed work on XX/XX/XXXX, and the contractor, XXXX XXXX XXXX XXXX emailed the notarized lien release on XX/XX/XXXX. Numerous phone calls, emails and voice messages have been left by both me and my contractor requesting the final payment be sent. As of today, XX/XX/XXXX, AHP still maintains the balance of the insurance proceeds, {$6800.00} in the limited escrow account and have refused to pay the contractor. Given the fact that he has already signed a lien release, he has no further possibility for action. I am at my wits end with this company and their incompetence. I demand the final payment be made to my contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXXXXXX 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXXXXXX XXXX  Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.
Product: Credit reporting or other personal consumer reports

Per the FCRA ( FAIR CREDIT REPORTING ACT ) 15 usc 1681 as a federally protected consumer. I am now " opting '' out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and non verbal, per 15 usc 6802. These fraudulent agencies also fall under THE FAMILY AND EDUCATIONAL PRIVACY ACT OF 1974! ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account XXXX in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C . 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.