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

I have an online savings account with Goldman Sachs Marcus. I believe Ive had this account for 6+ years. It was previously a XXXX XXXX XXXX account that was bought by Marcus. During my time of having this account I have been able to deposit and withdrawal as well as open new accounts ( additional savings and a CD ) without issue. Last week I linked an additional outside account to my savings for transferring funds in and out. Last week ( I believe it was the XXXX ) I requested a transfer of {$20000.00} from my Marcus account to my newly linked and verified savings account at XXXX XXXX XXXX XXXX. Marcus froze my account. I had to call them to see why my transfer did not go through. They said they needed to authenticate my XXXX XXXX XXXX XXXX account so we did a three way call with both banks and myself. I was told by the Marcus customer service person that my account was not unlocked and the transfer should take place within 24hours. It did not. Marcus reversed the transfer. I called today and after speaking with three different customer service representative they said the {$20000.00} fund transfer was canceled because I didnt get back to them to authenticate my account in time. Marcus froze my account, held the transfer and authenticate and approved the transfer all on the same day. I believe it was the XXXX. I requested another transfer from Marcus to XXXX XXXX XXXX XXXX today ( the XXXX ) when I saw they reversed the other one. I called Marcus to find out why the other one was reversed and they told me what I shared above and assured me this one would go through without any issue. An hour later I get a call from Marcus telling me my account of locked and they can not unlock it because they cant verify who I am. Almost XXXX weeks ago I have no issue transferring {$1500.00} to XXXX. But now that I want to transfer a larger amount they wont let me. This is very suspicious. Im not sure if they dont have the funds to do this. When I call Marcus representatives ask for the last four of my social security number, my birth day, and my secret word. But, to unlock it thats not good enough. I now need an affidavit notarized saying I am who I am and it would take 3 days to process once they receive it. Something is wrong on their end that they will not allow me to access the larger portion of my account. I am waiting a call back from Marcus now. If they call it will be the XXXX Marcus representative Ive spoken with today. They are holding my money hostage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Fin Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
Product: Checking or savings account

When I opened my BBVA Savings account, I thoughts its an ONLINE Savings Account with no fees. Now I just realized they charge me a quarterly service fee of {$15.00} and my account is over-drafted. I would like to close this account and reverse those fees. Given the pandemic crisis situation, I just got laid off from my job and I am unable to keep with my current obligations with BBVA. At the same time, I DID NOT know that my savings account is having a quarterly service fee of {$15.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open- Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my THIRD complaint I have had to make about the lack of responses, the last complaint made I was told by the bureaus they would begin my investigation and send me results, I SITLL HAVE NOTHING, they are flat out LYING to me about my credit!! My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX  and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Payday loan, title loan, or personal loan

At the beginning of the year XXXX, a credit builder loan I had taken out with XXXX was sold off to SST ( Systems and Services Technologies , Inc ). My experience was them as been nothing but negative, but tolerable until recently. I contacted XXXX on XX/XX/XXXX to advise that my pay schedule from work was being changed. Because XXXX/SST set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on XX/XX/XXXX, and again on XX/XX/XXXX to ensure that this change was made. On XX/XX/XXXX, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to SST. I then received an email stating that I missed my payment due XX/XX/XXXX and I would be reported negatively to the credit bureaus. I called then twice on XX/XX/XXXX and spoke to two separate people who told me my due date could not be changed but once I made my payment on the XXXX, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with XXXX to have my loan charged off to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 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: 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 directly 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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- -INQUIRIES -- XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 and XX/XX/22 I sent Experian Identity Theft reports from the FTC regarding erroneous accounts on my credit file. Experian did not block and remove those accounts from my credit file within 4 business days as required to by law. In Experians recent response, it didnt bother to investigate my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do. You failed to follow the FCRA and remove the accounts mentioned on the report within four business days. You hereby admitting to being guilty of the Enablement of Identity Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

to whom it may concern at XXXX XXXX XXXX XXXX  For the Record ....

I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter. 


RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement UCC1-207 JURISDICTION AND VENUE 2. Subject matter jurisdiction is conferred upon this Court by 15 U.S.C. 45 ( m ) ( 1 ) ( A ), 53 ( b ), 56 ( a ), 57b, and 7706 ( a ), and 28 U.S.C. 1331, 1337 ( a ), 1345, and 1355. This action arises under 15 U.S.C. 45 ( a ).

3. Venue in the United States XXXX XXXX for XXXX XXXX XXXX XXXX XXXX is proper under 15 U.S.C. 53 ( b ) and 28 U.S.C. 1391 ( b-c ), and 1395 ( a Affiant XXXX XXXX moves for a declaratory judgment pursuant to XXXX XXXX ( XXXX ) declaring that the mortgage on the property, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, unincorporated ) XXXX, is unenforceable due to the time bar of the six-year statute of limitations, and should be cancelled, discharged and stricken from the records of the City Register. 

You are Breaking The Law and must discharge this debt in full immediately in accordance with Congress and Supreme Court Rulings or I will move forward and put the Attorney General on Notice, the Federal Reserve Board of Governors on Notice as well as the FTC because they have Enforcement Action on their end as well as authority to take civil action and they need to be apprised and availed of this info that I have been denied and deprived and mistreated concerning my extension of my credit and of the Remedy provided by congress Pursuant XXXX  XXXX of XXXX regarding discharge of debt, I demand an Adverse Action of Disclosure in which XXXX XXXX XXXX XXXX has in fact incriminated you of committing this fraud they are committing against me and my property under Title 15 Section 1611 : Faults and Misleading 's Ignorance of the Law is No excuse The Contract is Fraud and XXXX XXXX XXXX XXXX  is breaking the law ( Securities Fraud ) ( Deprivation of Rights under color of law ) Elderly Abuse, I demand for full discharge of this account immediately
Product: Debt collection

XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature.. 
-Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it. 
-Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc. 

XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature
Product: Debt collection

I am writing to bring to your attention the matter of a debt validation letter sent to IC System on XX/XX/2023 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. 

On XX/XX/2023, I sent a debt validation letter to IC System requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number and the amount in question. According to the FDCPA, they are required to respond within 30 days of receiving the letter.This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. 

However, it has now been over 30 days since the date of the letter, and I have not received any response or documentation from IC System. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. 
I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of IC System with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act. 

Furthermore, I have not granted I C System authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure IC System 's compliance with federal consumer protection laws. It is crucial that debt collectors adhere to the guidelines set forth in the FDCPA to protect consumers ' rights and prevent any potential abusive or unfair practices by reporting false negative/delinquent items that are a defamation of character, ruining my reputation, and my overall creditworthiness. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to address this issue and uphold the rights and protections of consumers. I look forward to receiving a response from your office regarding the investigation 's progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chapter XXXX Bankruptcy docket # XXXX / XXXX that is 9 years old but is still reporting on my credit. It is discharged and has been on my credit for a very long time and needs to be removed.
Product: Debt collection

For whom this may concern, I was contacted by Williams & Fudge ( a debt collection agency ) on XX/XX/XXXX by XXXX XXXX. She stated to me that I owed a university ( XXXX XXXX XXXX ) over {$12000.00} for 1 semester of classes. 

When I disputed the debt, Williams and Fudge sent over proof from XXXX XXXXXXXX. This included a handwritten note in pencil with my account number. However, Williams and Fudge and the University failed to produce any signatures with my hand writing. I was able to pull up this evidence before, and now it wont let me. ( Please contact Williams & Fudge for documentation ) I contacted the school in XX/XX/XXXX, XXXX, and XXXX of XXXX. I left voicemails, and no one returned my call. 

When I called in XXXX, I finally got in touch with the University. They again failed to produce any evidence, and claimed over the phone yes, I can see you attended. When I requested to be shown the information, this was never produced to me. They refused, saying you need to contact Williams and Fudge, on XX/XX/XXXX at XXXX. 

On XX/XX/XXXX at XXXX I was then told this could hurt my credit by Williams and Fudge. I said, its never showed up on my credit report before. Its been reporting since XXXX XXXX, XXXX. When I called back at XXXX they claimed this was false information - directly from Williams and Fudge representative. ( This is also on a recorded line ). 

Mind you, Ive had the same phone number since XXXX. I was NEVER contacted by XXXX  XXXX or Williams and Fudge until XXXX. They purposely let the finance charges lapse until the debt reached over {$10000.00}. They claimed I attended in Fall of XXXX, in which I was living in XXXX Not XXXX. According to the university, the debt is over 4 years old.