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

I open a savings account with Marcus Goldman Sachs XXXX XXXX, 2024. I tried to add more money XXXX weeks later. I tried logging in my account was locked. I called at least XXXX times XXXX XXXX trying to get someone to help me get it unlocked. I would verify my name, social, phone number and secret answer to the security question. i would get transferred to the next department. The next department would say I need to place you on a XXXX hold to send a one-time pin to your phone. they would come back to line and say our company can't send a pin to that number. Its my only number on the account. they would say since we can't verify your account, we can't verify your identity we can't help you. some will call in XXXX minutes. Every time no one would ever call back. I got my parents involved on the phone call ; the last women promised XXXX several times we would get a call back the next day XXXX she said. No one called that was Friday XXXX XXXX. We called them back Monday XX/XX/XXXX. Same thing said they can't help us they can't verify they would have to send an affidavit to get notarized and mailed back. they didn't send it so we had to go online to XXXX and print it ourselves. I immediately went to XXXX XXXX XXXX  got the form notarized then took it to the post office. I spent {$35.00} to get next day delivery. I called them yesterday XXXX XXXX, I told them I know they received my form because XXXX from their company signed for it at XXXX XX/XX/year>. They would not give me any information. Told me call them back in XXXX to 10 days. They have my savings to pay my income taxes this year and they are holding it hostage and refuse to give me any information. As to what happened, is my money ok, was my accounted hacked. I have no information. My account has been hacked by them, Total stranger that work their can see all the information on my account, yet I have no rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00}
Product: Debt collection

I had a court case with an apartment complex that I was living at and the case was dismissed in court where I did not owe anything. They continued to send emails and I responded saying this court was thrown out and no response. They then sold the debt to another company which I contacted and sent them the court documents and said they would not honor nor respond to me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a 100.00 dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed 100 dollar payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) XXXX {$760.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX  XXXX  XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX  XXXX  XXXX  account is. I have never signed an agreement with XXXX/XXXX  XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.
Product: Checking or savings account

We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XXXX XXXX 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX  up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license. 

What would be a fair resolution of this issue : - restitution of our assets with interest due - deliver the requested statements of financial accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX   XXXX  Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For EXPERIAN 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft. I have disputed this information with all 3 credit bureaus partner companies. Below I have attached a copy of my identity theft report from the FTC. Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent an investigation/dispute to Equifax on XX/XX/XXXX regarding identity thief along with a police report and affidavit. they lost my police report, that was their first excuse on reply. On XX/XX/XXXX I sent a second request for investigation/dispute to Equifax, docs received. also between XXXX and now, I tried to follow up with their on line process and for my trouble, they kept putting me off and generated over XXXX confirmation numbers for me. they finally told me the ca confirmed and that was good enough for them. it took of 70 days for this to happen. I asked them is n't the definition of identity thief, they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX transunion, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX 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: Mortgage

I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.
Product: Debt collection

I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.
Product: Credit card or prepaid card

I am filing a complaint against US Bank which processes charges and payments for my Kroger Mastercard account ( ending in XXXX ) pand my Fidelity Investment Visa account ( ending in XXXX ). 

Despite the presence of the correct account number on my Kroger Mastercard payments, US Bank has repeatedly made the payments to my Fidelity account. By applying the Kroger payment to the wrong account, they assess a late fee for failing to pay my Kroger account. They do this despite the fact that I send in my payments early and pay in full. I have at least four letters in which US Bank apologized for " misapplying '' the payment to the wrong account. They continue to repeat the same mistake and charge me a late fee each time. This has happened so often that I no longer think it's accidental. This does not happen every time but it has occurred enough times to believe these misapplications are not inadvertent mistakes. How can their computers keep repeating an error where distinct account numbers are used? 

Please require US Bank corporate management to investigate these repeated processing errors that enrich corporate earnings and defraud the customer. 

Although they have account files that document their repeated mistakes in applying my Kroger card payments, their representatives always deny responsibility for the misapplication. It is only when I refer to the letters in which they acknowledged past errors, do they finally concede they may have made another error. Then they reluctantly send another apology letter. 

If I did not review my statements carefully, I would have been ripped off repeatedly. Such self-serving errors can not be inadvertent so often. 

Please investigate this situation thoroughly. Check to see if other customers are reporting similar problems where they have two or more accounts being processed by US Bank. 

It is time for US Bank to clean up their act and honestly serve their customers.
Product: Checking or savings account

I had a deposit of {$1000.00} go through this morning at XXXX AM. I went to go use my card in the morning and it said declined tried again same thing. When I got to work I called my local branch they said that there may be a soft hold on it in fraud department and to call customer service. After spending over XXXX hours on hold Im being transferred I finally got a hold of the fraud department. They stated that they could give no further information and the car would be disconnected and hung up on me this happened twice in the matter of XXXX hours. I went into the local branch in person to verify my identity and to see what was going on. They allowed me to call from their phone in hopes to get a hold of the fraud department sooner. They didnt fact answer in that department however I received the same treatment your account is being referred to be closed we have no further information and this call will be disconnected and hung up on me. Ive looked at my account and theres no fraudulent activity, I have verified all my identification over the phone and in person multiple times today. I just called customer service again this gentleman did not hang up on me but he did say it was referred to be closed as of yesterday and a letter was sent yesterday. So if thats the case then why did my XXXX dollar deposit go through today. Now they account Is being referred to be closed and no withdraws or deposits can be made you know of course other than the XXXX dollar deposit they allowed to go in this morning. I have no access to that money no gas in my car no groceries, and I was told the letter would be sent to me and then there was no way I could get that money out in the bank and take 30 to 60 days to actually close the account at which at the end of the 60 days a check will be mailed to me for that amount {$1000.00}. I dont understand why this is happening as no one can tell me in person or on the phone and I need my money. This is very frustrating especially this time of year.
Product: Debt collection

I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by Account Number : XXXX Original Creditor : XXXX XXXX XXXX., which they charged off and subsequently closed. Afterward, Account Number : XXXX Original Creditor : XXXX XXXX XXXX  sold the debt to Resurgent/LVNV Funding, a debt buyer. Despite the fact that Account Number : XXXX Original Creditor : XXXX XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by Account Number : XXXX Original Creditor : XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.