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

I tried to withdraw funds from my Marcus by Goldman Sachs account on XX/XX/XXXX to a company of which Im the founder. The transaction was reversed, and since then, Ive been blocked from making any withdrawals from the account. For example, I attempted a transfer to my brokerage account at XXXX on XX/XX/XXXX, but that was also reversed. As a result, my instant deposits have been blocked on XXXX, leaving me with a negative balance due to the margin I was given. 

When I called Marcus, I was repeatedly told that I needed to do a 3-way call with the business bank where I tried to make the transaction, which I refused for security reasons. Today, I was told the same thing, but after an agent named XXXX said, dude, let me be honest with you, I re-dialed. This time, another agent informed me that the block was due to my attempt to withdraw into a business checking account. She lifted the block on my account and advised me to re-attempt wiring the balance to my personal account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I went to my local Walmart XXXX run some errands. After finishing my grocery shopping, I went to the Walmart XXXX XXXX to purchase some money orders. After waiting in line, I was told by the XXXX on duty-XXXX, that the particular location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX had adopted a policy to turn away XXXX people. When I asked him to clarify, he said the store management had identified XXXX as suspicious and told me to go to another grocery store. I believe that Walmart does not have any policies against people of a particular descent and felt that the XXXX was discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

Rushmore took over servicing from XXXX I requested verification of the debt and payments from XXXX of XXXX. Only verification I ever received no matter how many times I disputed the debt with XXXX XXXX  & XXXX and the servicers was a printout of payments charges fees. There were over payments that were never applied to my mortgage the amounts were just adjusted out of the account. I entered in to 3 modifications each time they held the payments in suspense ( in one instance the payment was not applied to the account for 2yrs ) Because the payments were put in suspense they claimed I defaulted on the modifications. The balance they say I owe as of XX/XX/XXXX was {$120000.00} yet I made modification payments after XX/XX/XXXX. 
XX/XX/XXXX the foreclosure judgement was entered by XXXX XXXX and XXXX while I was completed a modification plan with Rushmore. XXXX XXXX   and XXXX were also Dual tracking when I was in a modifcation with XXXX and with XXXX. They never served the 90 day notice they never acknowledged the numerous debt disputes. XXXX of XXXX Rushmore denied a modification but did not provide information as to the rules regarding the modifications they also claimed they could not consider it because it was less than 37 days when the sale was not until XX/XX/XXXX Despite the mortgage stating that I had the right to payoff the mortgage up until 5 days before the sale XXXX and XXXX XXXX and XXXX did not send the Payoff until after the sale despite the request being made in XXXX giving them ample time to send the payoff. They effectively breached the contract. 

The County Supreme Court disregarded the blatant lack of jurisdiction did not request a traverse hearing despite proof XXXX XXXX was never served Rushmore XXXX XXXX and XXXX also have ignored this fact. They are now trying to evict me after breaking the law numerous times causing me emotional distress. They have broken numerous laws in the Frank Todd Act
Product: Credit reporting or other personal consumer reports

I according to 15 USC 1692c The law clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication.
Product: Debt collection

Ad Ashta has ignored attempts to update the credit bureau records. I will attach correspondent.
Product: Credit reporting or other personal consumer reports

XXXX XXXXAmerican Financial Network ( AFN ) is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/2023 I received a call from XXXX XXXX trying to verify if I applied for a new line of credit through them. I stated I did not and I was told someone tried to do so with my information including my social security number. I also received updates to my credit report with new credit inquiries that further corroborate all those claims. I believe it is my soon to be ex wife that did this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency d

irectly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act APPLECARD/GS BANK USA has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/23, Columbia Debt Recovery LLC dba Genesis sent myself and former housemate a letter and email stating a supposed debt of ours had gone into collections and they were contacting us in an attempt to collect on this debt. We responded stating that no debt was owed by us. The property management company of an apartment we lived in over 2 years ago is supposedly trying to get us to pay for carpet replacement on an apartment we lived in for one year. We moved out, settled all of our move out paperwork, and even retrieved our mail from the property manager for a month after moving out. When we moved out, they carpet was in perfect condition and the property company never said a word to us about anything. Now, 2 years later, we are presented with a bill for carpet replacement. We did not damage the carpet, nor did we sign any agreement that they could replace the carpet at our expense. On XX/XX/23 we responded requesting all communication with The XXXX XXXX XXXX XXXX be shared with us, including photo 's and proof of this debt. What we received was a typed bill on company letterhead and our original lease. Nowhere in any communication is their proof that the carpet was damaged and needed to be completely replaced or a document signed my us stating they could chose to replace it our expense.
Product: Vehicle loan or lease

I financed a car with bridgecrest/XXXX  in XX/XX/year> and I think its one of the worse decisions I couldve made. I fell behind on one payment and brought my account current in XX/XX/year>, not only did I do that, I paid in advance to cover everything up until XX/XX/year>. Despite that, my car was repossessed in XXXX of 2024. The reason I was given was that XXXX was unwinding the contract. I never got the opportunity to retrieve my things from the car including the license plates and belonging from the trunk, glove compartment, arm rest and seat pockets. The DMV is suspending my license because bridgecrest refuses to issue me a repossession letter which the dmv needs to prove when the car was repossessed and determine that I didnt need insurance from XXXX until now. DMV thought I had the car all this time. The repossession thats incorrectly on my credit report is causing me difficulties with getting another car, bridgecrest wont give me my money back stating that I have to wait until the unwinding process is over. Its been 2 months since my car was taken by bridgecrest/XXXX.
Product: Credit card

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

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 

Signature XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've had an account with US Bank Reliacard, properly activated the debit card and used for many months. My transaction activity has not changed. On XX/XX/20 I transfered {$1600.00} on line to my XXXX XXXX account which was accepted/confirmed by US Bank Reliacard. The money was removed from my account and never deposited to transferred destination now going on 11 days. On XX/XX/20 I called and told to wait a few more days. On XX/XX/20 I was told the account was deactivated days after the transfer for reasons being the bank experiencing a multitude of fraudulent activity on many accounts. I asked if my account was compromised and told no. But, that my account was deactivated until ID verified. There was no documented or activity reason to deactivate my account and take my money. US Bank never sent email alerts, publications or mail notice of this issue. The bank simply removed my money from my account and deactivated my account after accepting my transfer transaction. The banks representatives could not confirm where my money is currently and why it was not returned to my account and/or transfer completed. I was given a fax number to send my drivers license to confirm my identity which the bank will take an additional week to process then return my money to my account after that process. I verified and confirmed with US Bank Reliacard my most recent transactions, address and phone number as ID verification. I informed them of the hardship they are causing me by deactivating my account, taking my money and not notifying me. I have to feed my family and pay bills, it is a struggle during the Covid-19 pandemic and they are making this a more difficult situation. The 2 fax numbers I was given to send my drivers license fail, disconnect or constantly busy, I can't get through. There is no US Bank in the state of PA to travel to and resolve. The representatives do not connect me to a supervisor/manager. My calls with the representatives are constantly disconnected after a call wait time of 1 hour. There is no ground reason to deactivate my account and take my money from it also with-out alert. I called the bank multiple times XX/XX/20 @ XXXX and XX/XX/20 @ XXXX, XXXX, XXXX and twice more. Please assist me with this matter. I most appriciate it. Thank you
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/2023 I began receiving notices that said I was being sent a Comenity Bank, XXXX XXXX XXXX XXXX card. I didn't respond in any way, because I knew I did not apply for any credit line or card with Comenity or XXXX  XXXX. Yesterday I received an actual credit card with a notice that I have a {$3300.00} line of credit. I visited the websites linked with the information and wrote refusals/complaints in at least XXXX of the response areas at those pages, including help chats that responded with totally unconnected items such as trouble with billings. I did not go so far as to " register '' with the account, fearing that would be agreeing to the credit line. 
I want to refuse to accept the card and credit line and have all record of this infringement removed from any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting old student loan debt from XXXX that has been consolidated under a XXXX XXXX Consolidation loan from years ago as open and in good standing when the loans do not exist anymore. I printed copies of my federal loans from the department of education as proof and they still show all of these individual XXXX loans as being on their own when they are a part of the giant student loan consolidation loan. They also have added tens of thousands of dollars illegally to the amount of student loan debt that I actually owe and have been dropping my credit score each month by 38 to 70 points for no reason. I called XXXX and they said Transunion had to fix it. I called Transunion and they said XXXX had to fix it. I mailed both companies copies of my student loan debt from the Department of Education nd neither had removed the individual closed loans from my credit report. XXXX and XXXX have my loans right and I even told Transunion this as more evidence. They did nothing innresponse and I have called and they still do nothing. Meanwhile my credit score fluctuates illegally every month and the student loan debt is wrong and is impacting me getting a mortgage and has stopped me from getting a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit.

It is Open on Experian, Closed on XXXX and OPEN and CLOSED on XXXX.
Product: Mortgage

I have called at least 10 times since XX/XX/XXXX and I have two unresolved problems : ( 1 ) escrow payments being added to my loan without reason and ( 2 ) an insurance policy that should have been refunded, but has not been refunded. ( 1 ) Escrow - I have been charged {$69.00} per month on my loan for escrow that should not be on my loan. I have been charged monthly for the past six months ( XX/XX/XXXX-XX/XX/XXXX ). I would like the escrow to stop and be refunded the balance ( {$460.00} ). ( 2 ) Insurance - an insurance policy was put on my loan that should not have been there ( policy put in force in XX/XX/XXXX and ended in XX/XX/XXXX ). The insurance policy was canceled by the company, but I was not refunded the full amount of the insurance policy ( roughly {$60.00} still needs to be refunded ). I have proof of my own insurance policy that was in force.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX business credit accounts in my consumer credit file. These business accounts are not personal guarantee accounts. 
One account is with XXXX XXXX that was a business line of credit and they are reporting it as an individual line of credit. 
The second account is with XXXX XXXX XXXX XXXX which is a Business credit card and they are reporting it as a joint holder.
Product: Vehicle loan or lease

Yes, I agreed with Wells Fargo XXXX XXXX to catch up on payments 30 days late since I was laid off work. I was making payment based off that agreement and they without notice repo my car. I try to negotiate with Wells Fargo, if I would pay off the loan amount off the next day from the repo that they would not place a repo notice on my credit they said yes. What happen next was that they place a repo notice on my credit. 

I have disputed on my credit report but nothing has happen. Wells Fargo is dirty institution does not help customer they ripped them off. With all these headlines and news that are coming out against them. 

Hopefully, with these dispute we can get to a resolution.
Product: Mortgage

My loan was sold off in XX/XX/XXXX from XXXX to Freedom Mortgage. Freedom Mortgage has failed to acknowledge payments made with XXXX that were advance mortgage payments that were paid ahead in time. Even though I have provided all documentation proving these payments were made and they are aware these payments were made, they are failing to report XXXX and XXXX escrow payments and causing my account to go into an escrow shortage because they feel since these payments were made when I was with XXXX, they dont need to do anything. Also, anytime I make a payment over the phone to one of there live agents, they seem to not understand on how to properly distribute payments when they receive them, as they will put 100 % of your monthly payment into only principle and causing the rest such as escrow and interest to not be paid for. As of XX/XX/XXXX, they falsely reported to my credit company that my mortgage balance increased by {$2500.00}, causing my credit score to drop. They have not provided any documentation showing there findings, nor were they professional at any point during the process. Freedom Mortgage is not a professional mortgage company and are responsible for mismanaging many peoples loans. Please investigate this mortgage company and investigate my concerns, or there errors and there mistakes could cause me to go into foreclosure. Thank you