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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding an alarming and unresolved issue I have encountered with my high yield savings account. 

I had three savings accounts with Marcus, and I initiated a transfer of {$110.00} from an external bank to one of these accounts. Approximately one week later, I received notification that Marcus had forcibly closed my account without providing any explanation. Upon contacting the bank for clarification, I was informed that they are not obligated to disclose the reason for the account closure. 

My primary concern, however, is the unreturned funds. I inquired about the {$110.00} I had transferred to the closed account, and Marcus assured me that the funds would be returned within 7-10 business days. Unfortunately, it has been over a month, and I have yet to receive my money despite multiple attempts to address the issue through numerous phone calls. 

As a XXXX  XXXX  without a job, these funds are crucial for my financial stability. I am facing significant challenges due to this unresolved situation, and the repeated delays in returning my money are causing undue stress. 

Initially, I was informed that my account was forcibly closed without a specific reason given. However, during a recent call on XX/XX/XXXX, I was told that the account is not closed but is, in fact, locked. This revelation has added to my confusion and has left me without access to my funds for an extended period. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter promptly and ensure a resolution. Your assistance in addressing this issue is greatly appreciated, as I urgently need access to my funds for my education and living expenses. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was notified that I had a new high impact collection on my transunion credit report by bonneville collection XXXX. The amount owing was the exact amount I owe for a debt to Idaho connections credit from a car loan that I stopped paying on in XX/XX/XXXX and is due to fall off my credit XX/XX/XXXX. I was very confused how the same debt was being reported on my credit twice. The following morning I contacted bonneville to get clarification and they confirmed they were indeed trying to collect the XXXX car  debt and it wasnt there problem if it was on my credit report twice. I questioned when the debt would fall off my credit, although I would still be responsible and the debt collector told me I was wrong it would not fall off 7 years from my last payment that since her off had revived it in XXXX of this year she would continue for the next 7 years to make sure my credit was impacted. I attempted to contact XXXX  as I couldnt believe this information. XXXX at XXXX sent an email saying that she would have the XXXX account flagged on my account, removing it but allowing bonneville to continue to pursue me for the next seven years and hurt my credit even though I have paid that price for the last seven years all ready. I contacted transunion and spoke to a representative about this and was told all I can do is dispute it as debt collectors constantly do this.
Product: Credit card or prepaid card

I booked XXXX plane tickets using my Chase credit card with XXXX XXXX XXXX round trip XXXX to XXXX XXXX leaving XX/XX/XXXX, returning XX/XX/XXXX. The flights were cancelled. I have contacted Chase on the following dates to get my refund : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was initially told my refund would take 10-12 weeks, then on XX/XX/XXXX was told 45 days ( which would have been XX/XX/XXXX ), then was told on XX/XX/XXXX that they would request again, and told the same when I called XX/XX/XXXX and then XX/XX/XXXX. Each time I was told they had contacted the airline but they were backlogged and unable to process my request. It was then suggested that I could try disputing the charge with Chase 's dispute department but when I attempted to dispute the charge I was told too much time had elapsed for a dispute. I just want a refund for a flight I never took. I believe my credit card company owes me this refund. Thank you. ( I have also filed a complaint with the US Dept of Transportation but have not heard back ).
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Student loan

I borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 PayPal decided to permanently limit my account I had this account since I can remember You can no longer do business with PayPal ( Ref ID - XXXX ) I also have a credit card with them that I can't no longer redeem the cash back since they closed my account. 
On Tuesday XX/XX/2021 i contacted PayPal to only tell me there's nothing it's can be done.
Product: Debt collection

My Husband and I have been threatened on numerous occasions by this mobile home park for the last year. In XXXX of XXXX we were taken to court for an eviction hearing. During the eviction hearing it was ruled by the Magistrate court for the eviction to be dismissed and for my husband and I to pay only {$500.00} per month. We did as the courthouse instructed only to be told by XXXX XXXX that we were to pay more money. When we attempted to pay only what was court ordered to pay, that amount was denied and then we were threatened to have another amount placed on my credit report. In XXXX of XXXX my husband and I were contacted by the property managers of XXXXXXXX XXXX again to collect an amount that was not owed. Once we informed them of what we would pay and that we were moving. The property managers stated that we could not move until we paid them all of their monies and if we tried to move they would place this amount on my credit report. 

Through several attempts and applications my husband and I were able to finally find somewhere else to move to, only to be informed that the property managers of XXXX XXXX had already placed the amount on my credit history and we were denied housing. Therefore we attempted another place to reside, and we ( my husband and I ) had to inform this property manager of what was going on. Thankfully this property manager was willing to work with us and we were able to move. Then on XX/XX/XXXX I received mail correspondence that the property managers did in fact sell the debt to a collection agency and now I have received letters and phone calls from this agency trying to collect this debt that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hospital bill not removed from dispute plreadecremove
Product: Debt collection

Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....
Product: Bank account or service

I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.
Product: Student loan

My loans were transferred to MOHELA in XX/XX/2022. I've submitted XXXX periods of employment for PSLF but MOHELA says I only have XXXX. I've emailed repeatedly and have been on hold on the phone for 2 hours just to be told that they can not find an account under my social security number, then the automated system disconnects me. I CLEARLY have an account, as I can see it when I log in to their website. No one will call me when I email. I can not get through on the phone. My PSLF paperwork is just sitting there. I should be eligible for forgiveness NOW. PLEASE HELP!!
Product: Checking or savings account

Caller # XXXX called to inform me that my account had been compromised stating that there were attempted charges made to my account and that it was being monitored for several weeks. After some time on the phone, I realized this was a scam and hung up on the caller. Caller # XXXX continued to spam call me repeatedly in an attempt to get me back on the phone. During that time, I was attempting to call XXXX XXXX XXXX XXXX line to connect with a banker and confirm if the information provided to me was accurate. During this time, I had complications trying to get through to the XXXX XXXX XXXX. XXXX later, I received a call from the XXXX XXXX XXXX XXXX  Caller # XXXX stated that they were from XXXX XXXX XXXX and would help me through the issue I was having. I was told that we were going to set up a new account to which I was then asked to wire money to a new account that showed my name on it, making me believe that I was transferring money to myself. To note : I personally did not enter in a phone number/email in order to wire money to this account. It was already set up for me. During this transaction, {$24000.00} was wired to XXXX XXXX, which I believe to be a fake name. 

XX/XX/year> : On the phone with the " XXXX XXXX XXXX XXXX  '', who was actually a scammer, received {$24000.00} in a wire transfer ; There was also a {$25.00} fee for the wire
Product: Mortgage

To whom it may concern, My lender is Lakeview by XXXX. 

Their whole system went down due to being hacked and I had to find this out via a XXXX  forum. They did not send any communication to their clients and still have not told anyone our information was compromised. They did this before, where they waited 6 months to disclose that our information was compromised, essentially giving no chance to protect our credit with a freeze. 

They sent an email at XXXX last night that their website was back up. It hardly works. I will be 30 days late on my payment tomorrow and I can't make my payment through the website. They already tanked my credit earlier this year by falsely reporting me delinquent for 5 months straight. They sent me a letter saying they'd reverse those ( after I sent them a letter ) but it takes 60-90 days for the credit reporting agencies to report it accurately, and I am trying to get a HELOC, which they won't even work with me on even though this was their fault. 

To top it all off, their call center is still down, so I can't even talk to somebody about the issue. 

This lender needs to be held responsible for their irresponsible tactics and dangerous lack of communication with their clients. 

For the record, they also took 2 years to resolve my forbearance after numerous attempts and fails at a loan modification on their end whether it was incorrect documentation, underwriting taking months long, " mail issues, '' etc. I eventually got a grant from the state to pay it off, and there was over {$3000.00} of funds applied to " fees and charges '' I incurred over the course of my forbearance, and I still have no idea what these " fees and charges '' are for. My loan was current the entire time, so what fees could I have incurred? 

Also, when I call the call center, and it asks me for my social and I enter it, it says my social is invalid, which is EXTREMELY concerning. 

I want to refinance and switch lenders but I literally can't get away from this lender, and I am seriously concerned about their ability to protect my information, handle my funds properly, and communicate with me when something happens. 

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

I have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score 79 points after having a collection removed from my credit report. I have submitted documents to them to show that I paid the collection agency and that XXXX should marked as paid. I have tried disputing with equifax and try put a comment that I was disputing on my credit report but the account has been paid in full and I feel dropping my credit score 79 points after paying a collection is not fair. I submitted documents to prove the account has been paid in full
Product: Debt collection

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with LVNV Funding LLC collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I rented an apartment from XX/XX/XXXX - XX/XX/XXXX and my landlord terminated my lease on XX/XX/XXXX with a 10-Day notice of termination giving my until XX/XX/XXXX to move out. 

I paid my rent up to XX/XX/XXXX as I did not move out by the XX/XX/XXXX date. The leasing company made every attempt to retain me as a tenant despite the notice of termination and I declined, so I moved out. 

I received a phone call from the debt collection agency requesting payment for the balance of the lease ( XX/XX/XXXX - XX/XX/XXXX ) I explained the situation described above, asked if they had the termination of lease document ( they said yes ) and asked then what are you trying to collect? 

The agent of the debt collection agency started to give legal advice on what a contract is how its upheld and further explained that the leasing company has the right not to have " people like me '' on there property. After trying to further explain and defend my position I realized I did n't have to and I told him I 'll just see them in court, ask them not to call me again and hung up. 

They called back ( this time the disclaimer of you are on a recorded line was not stated ) and started to make threats that I will be ruined financially, I should be a responsible person and pay my bills, my lease was terminated because the leasing company does n't want people like me on there property etc ...
Product: Checking or savings account

XX/XX/2023 I received a letter from the bank, stating they deny that an unauthorized ATM withdrawal occurred twice in the amount of XXXX it happened in XXXX and then it happened in XXXX the one in XXXX I was actually sitting in front of the banker. He was actually looking at my account and I was asking him a bunch of questions on why the first one was disputed when I left I looked at my account and saw another XXXX was taken out in XXXX XXXX Nevada at the same ATM but the banker fail to even say anything to me about it, and I went back in, and its denied again I reside in the state of Pennsylvania, I just had my spine fused together. I have not been in XXXX XXXX for XXXX years and then I had a different bank so it has nothing to do with that. Also, theres a bunch of other charges that XXXX found they asked me for my IMEI number and XXXX went down a list and said this is not you this is not you you did not send this you did not send that all from the IMEI they were able to figure it out, but green dot who deals with XXXX Pay denied it so now I have to go to citizens Bank alone, filing this complain about and dispute. Are these transactions also this is the second time that Ive had a big issue with this bank the last time I received a letter from the chief of operations and they credited my account the {$3000.00} but it took them XXXX months and me complaining to different agencies I am fed up they still have yet to even change my bank account number. All they do is keep giving me new debit cards this is not acceptable.
Product: Debt collection

AFFIRM INC Contact XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

Recently looked at my credit report and notice this inaccurate account this is hurting my credit score
Product: Debt collection

THIS IS NOT MY ACCOUNT THIS COMPANY HAS PLACE THIS FRUAD ACCOUNT ON MY CREDIT FILE AFTER I ADVISE THEM THAT THIS WAS NOT MY ACCOUNT AND MUST HAVE BEEN OPEN WITHOUT MY KNOWLEGE