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

Subject : Account Lockout Issue Dear Sir/Madam, I am writing to formally report an issue regarding my Goldman Sachs Marcus checking account, which I opened in XX/XX/year> through the following website : [ https : //www.marcus.com/us/en ] ( https : //www.marcus.com/us/en ). 

In early XXXX, I attempted to log in to check my checking account, but I was unable to do so and saw that my account had been *locked out*. I immediately contacted customer service, but the representative was unable to provide an explanation for why my account was frozen. They assured me that I would receive a follow-up within 7 to 10 days, but I never received any response. 

Approximately 10 days later, I contacted customer service again and was given the same responsethat they did not know why my account was frozen or when it was restricted. I also inquired about the steps required to restore access, but I was only told to *wait*, with no further guidance. I have since called at least four times seeking resolution, but I continue to receive the same response : " We do not know the reason ; you need to wait. '' Since I am currently overseas, I provided my international phone number and email address, requesting that any updates or responses be sent there. However, I have yet to receive any communication regarding this matter. It has now been two months since my account was locked, and I still can not access it.

At this point, I would like to urgently regain access to my account so that I can withdraw all my funds and transfer them to another bank. As this is a checking account, I find it highly unreasonable and unacceptable that access has been restricted for this length of time without any explanation or clear resolution process.

Since opening the account, I deposited funds but have never made any transfers. While I am unable to verify the exact balance due to my current access restrictions, I recall having approximately {$35000.00} in the account.

I kindly request immediate assistance in restoring my account access or, at the very least, a clear explanation of why my account was frozen and what steps I need to take to resolve the issue. Please treat this matter with urgency, as it has already been unnecessarily prolonged.

I appreciate your prompt attention and look forward to your response. 

Best regards, XXXX XXXX
Product: Debt collection

CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and XXXX claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from XXXX XXXX which was terminated in XX/XX/2008. see enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...
Product: Checking or savings account

Said I could n't cash out due to insuficant funds then my bank charged me over draft fees shortly after on XXXX XXXX, 2017
Product: Credit card

In XX/XX/year>, I made a balance payoff via check as part of closing on a new home. I needed all consumer debts paid off prior to closing. In the meantime, XXXX of my automatic payments was processed in the amount of {$XXXX}. When the payoff check cleared, I ended up with a {$XXXX} credit balance on my TD Bank XXXX card. This was reflected on my XX/XX/year> statement. I began requesting this refund. Initially, I could not reach anyone via the customer service line, the wait time was unreasonable and never had the time to sit on hold until someone answered. I sent a secure message in the online portal and received a reply I could make my request in writing as per the cardholder agreement. I did this - I wrote them a letter asking for my credit balance to be refunded. I sent via first class mail and even included a prepaid envelope to send my credit back to me. I never saw the check. I began calling countless times and speaking with customer service representatives. Often times, they would say it 'was requested " meaning they put in a request and I should see it in " XXXX business days ''. I never saw a check. I've since learned they are putting in a request but a 'back-office process ' or the 'credit department ' has some kind of " hold '' on my account. At XXXX point, I was asked to send in " proof '' that my payoff check from XXXX had actually cleared my bank. As odd of a request as that sounded to me, I complied and provided such evidence. I have spoken to countless customer service representatives, managers of customer service representatives and other " managers '' who have all failed to identify why this is caught up in their system and resolve the issue. I have filed a complaint with the company. I received a phone call from the complaint department letting me know my frustrations were " heard '' - this was around XXXX time. I appreciate that they are heard, but I would rather have resolution and MY money back. It's funny they can charge me some XXXX percent if I don't pay them in time but if they hold my credit balance for over XXXX  months I don't get to collect any interest.
Product: Credit reporting or other personal consumer reports

I contacted XXXX  to validate and send me evidence of the late payment, because I made all my payments monthly never missing one payment.
Product: Debt collection

I requested that Nelson Cruz validate an account for XXXX  XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything. This is not my account. Someone else opened this account in my name, which is why I requested full validation from this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a breach from Equifax ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card or prepaid card

I got contacted by unsolicited telemarketing phone call by several companies selling me online business opportunity. XXXX XXXX XXXX was one of them they called me on XX/XX/XXXX they  were very persuasive and they told me they were part of XXXX XXXX a company that I was working with at the time. They charged me a total of {$8400.00} and they told me they were going to get traffic on my website, funnel page, Search Engine submissions, Directory Submissions, Infographic Design. So far I did not receive their services as promised. They charged my XXXX card {$3000.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX and another {$1900.00} on XX/XX/XXXX. Also another company that I want to bring your attention is XXXX XXXX. XXXX XXXX had so many people calling me, they took advantage of me not knowing about the internet business so I paid XXXX XXXX also {$6800.00}, which {$3300.00} were on my Chase card. They were supposed to provide services for my website advertisement. I got no results also, they did not provide me with the services as promised. So I would like you to help me open a claim on those charges with my Chase card please. I thank you in advance your immediate attention to this matter.
Product: Checking or savings account

I opened a Citibank checking account and kept the required amount in the account to not be charged a fee. After about a month I decided I no longer wanted to keep the account but Citi makes it difficult to transfer money to other banks, so I tried to XXXX the funds to myself and Citi blocked my account. I tried calling in about it after receiving a letter telling me to do so and they closed my account without my consent or their willingness to verify that it was me who transferred the funds. Now they are holding my funds from the account and will not return it even though I asked for it to be expedited since they have no need to hold onto it.
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



American Express {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I visited the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX FL XXXX. I made a deposit of {$2500.00}. Three {$500.00} checks and {$1000.00} cash, as the machine was processing I received error messages and the machine started to jam. It gave me back {$900.00} cash and kept {$100.00} cash & {$1500.00} In money orders. The machine printed an error receipt stating it was and error and theyll credit me {$0.00}. I contacted Wells Fargo and let them know what happened & I was credit back {$1500.00} on XX/XX/XXXX. Today is XX/XX/XXXX I logged into my bank account and seen I was over drafted {$1500.00} due to an adjustment. I contacted Wells Fargo and they were extremely rude, the agent named XXXX told me my checks had been lost and I need to figure it out on my own. He laughed at the fact that i was upset and then proceeded to hang up in my face. I called back and spoke to a woman who did the exact same thing. I am highly disappointed and I do not trust Wells Fargo back at all!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my file : XXXXXXXX XXXX XXXX  {$730.00} XXXX remove acct XXXX XXXX XXXX {$18000.00} XXXX remove acct XXXX  XXXX  {$850.00} XXXX remove acct XXXX XXXX {$910.00} XXXX remove acct Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED XXXX XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX  {$0.00} XXXX update to never late XXXX  XXXX XXXX XXXX remove Inquiry XXXX XXXX XXXX XXXXXXXXremove Inquiry XXXX XXXX  XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX remove inquiry XXXX  XXXX XXXX remove inquiry XXXX  XXXX remove Inquiry
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I deposited my paycheck through my XXXX XXXX XXXXXXXX. Before making the XXXX  deposit Truist makes you sign the check for XXXX  deposit only. Once check was deposited they are holding the check until XX/XX/year>. How can they put a hold on your money/weekly wages for XXXX days? I have bills to pay. They do not warn you of possible holds until you have signed the check and made the deposit.
Product: Student loan

I have applied for public service loan forgiveness multiple. I do qualify for this but XXXX and Fedloans have both been using predatory practices to make this process impossible. 

1 ) I received all of my education paid for by public loans, my family was well below the poverty line and I completed my entire XXXX degree while doing work study and on federal loans. 

2 ) following my graduation I worked for 1 year at a qualifying employers while making my qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non profit ) 3 ) somehow XXXX purchased my federal loans and began servicing them. 

4 ) I then worked for 2 more years at a different qualifying employers while making monthly qualifying loan payments. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

5 ) I then returned to XXXX school and took out more federal student loans. During these 2 years I continued to work full time at a qualifying employer ( XXXXXXXX XXXX XXXX XXXX XXXX ) I was not making loan payments during this time. 

6 ) When I completed my XXXX  program in 2013 I again began working full time at a qualifying employer XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. I have worked in this field and made qualifying payments to my Federal Student Loans since 2013 ( 7 years ) I have evidence that I have made 120 qualifying payments ( 12 years of payments on my XXXX loans ) I have provided my FAFSA info, my tax returns and all other materials to these servicers ( who already have access to this information ) on multiple occasions and yet they continue to deny the above facts and forgive my loans through the PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why Experian and XXXX  havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the XXXX  data breach and I don't know who could've gotten a hold of my information. Please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian, to dispute that XXXX XXXX, is being reported incorrectly, but on XX/XX/XXXX, Experian, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a one-hundred-ten-dollar ( {$110.00} ) filing fee from a fruitless lawsuit XXXX XXXX, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX XXXX  Municipal Court, which was later dismissed at XXXX XXXX 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with XXXX XXXX 's Attorney, and XXXX XXXX, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from XXXX   XXXX, and report from Experian ( uploaded as " untitled '' ), as well communications with XXXX  XXXX, in regard to this error. There should be no doubt that this error is being overlooked, XXXX XXXX is providing false information, and Experian, has material evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have mailed certified letters to Equifax, faxed requested information on multiple occasions, and filed online disputes in the last three months in an effort to contest inaccurate information on my credit report with Equifax. Equifax is claiming that I do not have any credit history with them. I found this out by attempting to unfreeze my credit report this year in XXXX with them which I initially froze on XXXX/XXXXXXXX2017. I was advised to initially put this freeze/temporary fraud alert on due to the Equifax data breach. First the data breach, now the protection from the data breach is doing more harm than help. It seems that I have just disappeared from their database without any explanation. In my letter I explained to them that I needed this request expedited because Im in the process of applying for a home mortgage which requires a Tri-Merge credit report from all three credit bureaus, and they will not allow me to proceed without my Equifax report. My request were met with multiple phone long calls where I was transferred around in circles to multiple departments, and never once did anyone resolve my issue. They continued to request the same information which I had already sent, and the end result was always the same. I believe their has been a database error on their part, and no solution has been provided. Im getting concerned that they have mixed up my name and SSN # with someone else. Im at my wits end with Equifax, and I do not know what to do next because Ive been trying for months to remove the fraud alert, and they are saying I do not have a profile with them which is bogus. I have lost out on expediting my mortgage process, and Im still in limbo with the lending company Im working with due to Equifax. Any assistance is greatly appreciated, and Im attaching the documents that I sent to Equifax already.
Product: Student loan

I refinanced my student loan back in 2017 with XXXX. When I did this I setup monthly payments for $XXXX/mo with them. I just spoke to XXXX & asked about those monthly payments, they said they haven’t received any of those at all. And advised me to make a complaint. So in actuality XXXX XXXX has been taking money from my account every month, and none of that money is going to my student loans at all!
Product: Consumer Loan

Lender was unable to explain to me why my balance owed is more than originally presented to me at application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified by the XXXX credit bureaus ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$700.00}
Product: Student loan

Navient took over my private student loans from XXXX. Nether of which are willing to help me get a payment plan that is reasonable. They have only pushed the matter of given them XXXX dollars right away and they will stop the interest rate from going up. My interest rate is almost 7 percent now on my student loans and it goes up everyday. 

They have told me to sell my only car to pay them, they will not work with me and have hung up on me several times. I just want to pay a reasonable amount on my student loans. XXXX dollars a month for owing XXXX dollars is not reasonable especially when i have XXXX children and we are on a single income. They do not return my emails and do not call me, they have put me in forbearance and than removed me with no warning and immediate throw something on my credit without a phone call, email or letter by mail.
Product: Consumer Loan

I applied for a personal loan through LendingPoint LLC. I was notified via email and phone by their employees that I was approved for the loan and I was instructed to send in a paystub, bank statement, voided check for direct deposit, and a copy of my ID. After I submitted these items I received an automated email shortly after stating that they would not be able to grant me the loan that they stated that I was already approved for. 

I called the employee whom I was working with directly and they gave what may be a valid point about some negative items in my bank statement. But I was told that I was approved for the loan, not that I had to submit further paperwork to be approved. 

This to me is deceptive and misleading, and I was caught by surprise. I had already begun to make plans to use the funds that I was told that I was approved for, only to be told by them that they would n't grant me the loan. Maybe they tell customers that they are approved, when really they are n't yet, so that the customer will stop shopping for loans and go through them for the loan. Either was I feel like I was mislead, and I gave this company all of my personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.