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

On XX/XX/year>, I contacted Marcus by Goldman Sachs ( high yield savings for consumers ) to initiate a wire transfer of {$60000.00} to another institution. I was multi-factor authenticated via SMS by the representative and verbally authorized the transaction. I later received an e-mail, with no details, stating that I needed to call back in yet again, with resolutions available until XXXX XXXX  XXXX XXXX. 

I made this call on XX/XX/year> at XXXX XXXX XXXX and was connected to representative XXXX. XXXX attempted to multi-factor authenticate me but said that she could not do it, and she could not explain why not, and without this step, she was unable to assist me with the account. I requested to speak to a supervisor and was told that " they leave at XXXX XXXX. '' When I questioned this and asked if anyone was in the call center to oversee the representatives ' work, the story changed to supervisors only take calls until XXXX XXXX, and no later. No explanation was given for why my case could not be escalated, and I was informed I would need to call back a third time, at a time convenient to Goldman Sachs, to complete this transfer of my money. 

Goldman Sachs is playing keep-away with my funds, which has an opportunity cost associated with it as I am not able to earn interest from the destination institution while they play these games. Their poorly trained representative, inferior technology, arbitrary supervisor availability, and/or some combination of all three are depriving me of access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Checking or savings account

The company randomly issued a notice stating they were closing my account due to a review and that " sometimes these things happen and they HAVE A RIGHT to do so '' during which I had multiple chargebacks I had to file to a company that charged my card upon also taking cash as payment. 
I want my money back from the chargebacks and my account reinstated, as I have done absolutely NOTHING against the terms of service. 

Multiple attempts to contact yet no avail, will be considering a lawsuit and filing a class action as well as a settlement option because of this I now can not get my pay. causing pain and suffering for my family. The company sends multiple harassing emails a day yet fails to respond when needed.
Product: Mortgage

My mortgage was sold to Nationstar Mortgage a couple of years ago. 
I always pay my bills using XXXX online bill pay, and have always done so. 
And for over a year everything was fine. 
Suddenly this year beginning in XXXX they have started losing the electronicpayments from XXXX. They have reported late payments to the credit reportingagencies and have threatened me with foreclosure several time since then allbecause they keep losing or misapplying the monthly payments! 
I am attempting to refinance this loan right now, but I can not get the best ratesbecause Nationstar has ruined my credit! 
They are horrible to deal with on the telephone - rude and nasty - and they treat melike I am some bum! Others need to be warned about them, and all US banksshould discontinue selling mortgages to this company immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXXXXXX B, XXXX XXXX XXXX reference number XXXX, XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX wisconsin XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I applied to refinance mortgage and a predatory offer was made instead of trying help me save my house.
Product: Student loan

I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXX XXXX  to have 4 fraudulent hard inquiries removed from my credit report. XXXX XXXX  confirmed the inquiries were fraudulent and said they would submit a request to Equifax to have them removed, which would take 30 to 60 days. 

On XX/XX/2020, a 5th fraudulent hard inquiry had been added. I called XXXX XXXX to get the 5th one removed. The person at XXXX XXXX  said they would not disturb the first request for the first 4 inquiries, but would add an additional request for the 5th one to be investigated and removed later. 

On XX/XX/2020, I called Equifax to ask why they had not removed the the 4 fraudulent hard inquiries on my report that XXXX XXXX  had reported to them. Equifax told me they have not received anything from XXXX and that I have to contact XXXX. Since Equifax had been telling me XXXX has to fix the error and XXXX told me multiple times in 2020 that they had sent off the request to Equifax, I wanted Equifax to allow some form of communication between all three parties to get this error sorted. Equifax had already put me on hold for a combined total of 1.5 hours this evening, but then put me on hold again when I asked to speak to a manager, where after being on hold for 15 more  minutes, Equifax hung up on me. 

I believe Equifax is not interested in fixing my problem and just wants the customer to give up and hang up so they don't have to do anything.
Product: Credit card or prepaid card

XXXX XXXX reduced my credit limit in XX/XX/2018 from {$500.00} to {$400.00} without any prior notification and my balance was below the 30 % usage and payments were made on time. I called them when I realized what had happened and they claimed because of my credit history which makes no sense if my payments were being made on time.
Product: Credit reporting or other personal consumer reports

The following inquires and account doesn't belong to me please remove these items from my report. It is defamation to my character and report. I am very responsible and to see these items affect my score in such horrible way and not allowing me to make a purchase or to finance anything without being overcharged is overwhelming. I would like these things erased completely.
Product: Debt collection

They keep calling my elderly grandfather 's house. I've repeatedly updated information giving them my number.

The last time they called there they told my brother what medical treatment I had received!!! Information not only should they not have as its a direct violation of HIPAA law, since I never gave consent for medical information to be released, but it also violates HIPAA in the fact they discussed my medical information with someone who WASN'T me!!!

I sent a written debt validation letter to them and NEVER got a response, in the letter I also requested HIPAA validation and never received it either. The letter also gave them my current address and stated I wanted to communicate via letters only.

They then called my cell phone constantly to the point I had to pay and install a robot/spam killer to avoid the calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as Jefferson Capital with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and XXXX is allowing the account to report without proof of my business dealing with this company.
Product: Mortgage

I was discriminated and treated with disparity by XXXX XXXX. XXXX did not give or serve me properly with my constitutional rights regarding my home mortgage located in XXXX XXXX XXXX, CA. I never received the XXXX packet from them. XXXX violated my due process of the law, I feel and sense that XXXX did this intentionally to harm me. Me and my house are in a judicial sale process by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX account number 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. 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

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX  XXXX XXXX XXXX TO XXXX XXXX TRANSUNION and XXXX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX XXXX ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX  MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. XXXX  PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?
Product: Credit reporting or other personal consumer reports

Account # XXXX Resurgent  : XXXX I am writing to dispute certain inaccurate information in my credit file. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, removing this erroneous information from my credit report. 

Upon reviewing my credit report, I have identified a negative account entry that I do not recognize. I am concerned about the accuracy of these entries, as they do not accurately reflect my credit history. I received a reply from XXXX of Resurgent again, which provided conflicting information and violated my rights by again reporting inaccuracies to CRAs. It did not address my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously been disputing a Bankruptcy that's on my Transunion that does not belong furthermore, I have contacted the Executive Office of XXXX XXXX because Transunion is rude and doesn't follow thru with my Investigation. I have disputed it and it doesn't belong and they still haven't removed it stating it was Verified. I asked for method of Verification and they have failed to provide me. If it was Verified from who? When? I doubt it was verified because it was already deleted off my Public Record from XXXX ( See Attached ). Further, effective XX/XX/2017 a Public Record has to includes my name, Date of Birth, and Full Social Security number thru XXXX in which it does not. I have already sent a Email to CEO and contacted my Lawyer who states Transunion is not in compliance and have violated plenty rights as a Consumer and this is my last step before I follow a Federal Lawsuit against Transunion and XXXX XXXX. Please remove Bankruptcy within 30 Days to avoid Legal Action
Product: Money transfer, virtual currency, or money service

I'm trying to transfer money from my PNC account to my XXXX  account so i can invest but it won't let me because PNC won't allow it for some reason.
Product: Debt collection

Portfolio recovery associates llc Dont have a license to collect debt in California and is therefore illegal for them to try and collect a debt from me. They have yet to send paperwork confirming my signature on the supposed debt. And yet they continue to call and allow this on my credit.
Product: Checking or savings account

Bank of America received a garnishment request from The State of NC Department of Revenue for {$1500.00}. The request was dated XX/XX/XXXX! 

BofA placed a hold on all of my accounts ( XXXX accounts ) on XXXX. When the hold was placed only 3 of my 5 accounts had funds available ( {$53.00} ; {$0.00} and {$450.00} ) which was withheld. BofA then placed a {$1000.00} hold for the remaining amount of the garnishment on each my accounts. This caused each of my accounts to be negative- {$1000.00} ( - {$5200.00} total amount negative across all 5 accounts ). 

On XX/XX/XXXX I had direct deposits from my employer totaling {$2700.00} credit my account. I have been receiving these direct deposit for over 3 years and have never had issues with them being returned. I called the bank to see when the remainder of my funds would be released because there was more than enough funds to cover the entire garnishment order from The State of NC and was ultimately told that it could take 10 days for the hold to be removed.

I asked several times if I could speak with someone in the legal department and was told they didnt take calls. I then asked to speak with a supervisor who told me that it could take 10 days for my funds to be released as the bank had a legal order they had to follow because they had to chase me down for money and I dont pay my bills. The supervisor acknowledged that BofA was knowingly and willingly withholding more funds that what was requested on the garnishment but that it was a process that needed to be followed for the hold to be released. I asked if the process could be done today and was told no. 

It does not sit well with me that BofA will uphold their duty legally with The State of NC but not uphold the legal duty they have with me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There is a hard inquiry on my credit from a company named " Corelogic ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " XXXX XXXX ' on XX/XX/2019 XXXX
Product: Prepaid card

I bought two {$100.00} American express prepaid gift cards on XX/XX/24 from XXXX. It was advertised that these gift cards should work on nearly any online and in-person site however, it was clear that, that wasnt the case. Typed out below is what Amex advertises on the AmexGiftcard website.

Widely accepted More places than ever welcome American Express Gift Cards.

No usage fees This Gift Card has no fees after purchase.

No expiration The funds on this Gift Card do not expire.

Add to mobile wallet Add to your Mobile Wallet for a contactless way to pay in-store.

I made sure that they were activated by using the website to check my balance. An attempt was made to use them on XXXX, XXXX, and XXXX but all of them failed. I wasnt even able to add the the cards to my mobile wallet though the website clearly says that should be possible. Every time I tried to use the cards I was charged a {$0.00} fee which I didnt know was supposed to happen and doesnt happen with other gift cards such as Visa. 

I reached out to get assistance by calling the customer service number a day after receiving the cards. I was told that it would be better for me to try and use the card in-store, because they are serious about security. I looked it up online and saw others posting similar issues with Amex gift cards simply not working and getting the exact same message. THOUGH it was clearly advertised that the cards should work online, at almost every store, should not charge a fee after purchase and can be added to a mobile wallet. The card failed on nearly all fronts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to XXXX XXXX on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. XXXX cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from XXXX about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted XXXX and were assured that my account was credited for the full amount. I was still getting calls from XXXX about delinquency. Finally, XXXX was able to straighten the matter out, but XXXX refuses to delete the delinquency from my credit report with Experian, even after I provided copy of the cashed check.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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