23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Marcus by Goldman Sachs is committing XXXX  crimes to hold on to client 's money. Please investigate them. Today I had the same problem with them that I have had XXXX times in the past XXXX months ; once was with my mother 's account. She is an elderly woman and I was consolidating her accounts so that she could pay her rent and Marcus called the funds back FOR NO REASON. 

I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. There is NO settlement issue as the cash is coming from a Marcus CD and going into a Marcus account.

I tried to transfer the cash out of Marcus as they are crooks. I transferred $ XXXX to XXXX and $ XXXX to XXXX. BOTH TRANSFERS WERE CALLED BACK FOR NO REASON WHATSOEVER OTHER THAN THEY CAN NOT LET MONEY LEAVE THEIR GREEDY LITTLE HANDS. THERE IS NO REASON that that cash did not settle. Marcus was holding my cash and they refused to transfer it out. 
IT IS XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 



For some reason they could not text me a XXXX time code ( although I had just received on to view my account ). The customer service rep said that the only way he could verify me was by calling me back ( " I will call you back in XXXX minutes '' ). That was XXXX minutes ago. 

When i did not receive the first call back, i called again and spoke with XXXX. He gave me the same XXXX  - he asked for me social security number, birthday, secret word and THEN said that he could not verify me and because he could not verify me, he could not send my call to a supervisor. I called Marcus to ask for help and they spent XXXX minutes " trying to authenticate me '' and they told me that they could not authenticate me using my driver 's license because I was from XXXX (! ) He said that I would get a call back from a supervisor in XXXX days! ~!!!! Meanwhile I desperately need that money and they will not help me! THIS IS LIKE A THIRD WORLD BANKING PROBLEM.
Product: Student loan

On XX/XX/year> MOHELA sent me a letter which said my loans were placed in a forbearance and " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. ". 

On XX/XX/year> MOHELA sent me another letter, stating that my loans were placed in another forbearance and repeating the statement that interest would not accrue during the forbearance. 

However, during both forbearance periods interest accrued and continues to accrue. I made a payment and it was applied to the interest that should not have been accruing. I spoke to a MOHELA representative via phone and they told me that interest would be removed after the forbearance ends and that the payments I made that were applied to the interest would be moved to principle. I'm receiving contradictory information from MOHELA. Their letter says interest will not accrue, but it is. On the phone they told me interest will accrue and will be moved. Interest accruing and being moved is different than interest not accruing. It does not matter if the result is the same, they are not being truthful. They told me that interest would not accrue and is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account 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: Vehicle loan or lease

XXXX XXXX  and XXXX XXXX both wronged me. I had a payment plan with XXXX and they told me I had until that Friday to pay and they reprocessed my car that Wednesday. They have a long list of issue with my account. On file.
Product: Student loan

My son attended XXXX College in XXXX XXXX from XX/XX/XXXX up to its closure XX/XX/XXXX. I co-signed with him on a XXXX Education Loan. The XXXX Loan has been transferred to the University Accounting Service, LLC. The outstanding amount is about {$9000.00}. My son did not finish his studies at XXXX College and we believe XXXX and XXXX misrepresented their academic programs by coercing my son into applying for federal and private loans, and false promises of lucrative employment after graduation.
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. 

Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 card or prepaid card

In XX/XX/2023, I opened a Chase credit card account through their partnership with United Airlines ( mileage plus program ). I did not get the physical card until XXXX because I travel a lot. I received an email on XX/XX/XXXX indicating that a payment was due and on XX/XX/2023 I called to make a payment on the card. Today I received a notification from XXXX stating that Chase closed my account. However, when I called to make the payment on XX/XX/2023, no one indicated to me that my account would be closed. So I called Chase bank this morning and they stated that they could not give me any further details as to why my account was closed even after I made a payment on XX/XX/XXXX and simply that they mailed a letter to me on XX/XX/2023. I feel this is very unfair to me as a consumer because when I made the payment on my account, not a single person indicated to me that my account was in jeopardy of closure. After I made the payment, I was under the impression that my account was in good standing. This will affect me deeply as a consumer because it is now listed on my credit report as closed and may affect my ability to qualify for loans down the line.
Product: Credit reporting or other personal consumer reports

There was an account in credit card that was opened in XXXX from XXXX XXXX  with an address listed that i have never lived. The approval limit was i believe XXXX. My social has been stolen and compromised. All was done was a removal no other action was taken or compensation.
Product: Mortgage

This is the second complaint of XX/XX/XXXX. My complaint is on US Bank, we have been trying for over two years now to file for modification. We were given one modification XX/XX/XXXX and we paid two full months of the modification. The bank cancels our modification, through their own miscommunication, which they admitted. We have been applying for a second modification since XX/XX/XXXX, our house is now in foreclosure with the sale date of XXXX XXXX at XXXX XXXX XXXX. Since XX/XX/XXXX we have had a total of XXXX different case managers, with this foreclosure the bank is stated that we have made no payments which is incorrect we did pay the two modification payments before they made a huge mistake, we can not get in touch with the case manager we have been ohoning as much as two and three times a day with no returning phone calls. We get information from XXXX different areas of US Bank the obvious of one hand not knowing what the other is doing. We fell on hardship in XX/XX/XXXX, my husband has complied to every article of information as needed. Repeatedly over and over enduring each new case manager. I have now filed a complaint with the XXXX for the concussion syndrome for my husband. We obviously want to keep our home, we have had this battle since XX/XX/XXXX. For the pain and anguish that we are enduring is there not a statue of limitations on this abuse? The bank is admitted to making several mistakes, The bank has applied the wrong amount of money to the simple principle there are countless errors which are all stated in my previous complaints. I will keep filing complaints with you because of US Bank the consistent abuse is published over and over and there has been no retribution for the homeowners trying to save their home. 
I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the bank.
Product: Debt collection

I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from Citi Banks executive office stating they do not have any record of debt owed by me to their company. The last letter received from Citi Bank was XX/XX/18 which is 1 of 3. On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.
Product: Credit card or prepaid card

This is the second issue I have received. The first one was a Chase debit card for a checking account that I never opened and I contacted Chase and got it cancelled. Now, today, I received a Chase Freedom Unlimited credit card. I have never applied for either of these accounts, and I am worried that my social security number is out there and someone is applying for these in my name. What do I do at this point?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted XXXX XXXX for prices on some of their products. I explained I was just gathering information that day, and didn't want to order anything. The XXXX representative obtained a hard inquiry of my credit report without my knowledge. I called when I realized they had done that, because it stays on my report for 2 years, and they had no reason to do that, it should have been a soft inquiry if at all, because I wasn't ordering a service. The manager I spoke to advised they would have it removed. It is still on my credit report through Equifax. I want that inquiry removed from my Equifax credit report, as it was accessed without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies
Product: Credit reporting or other personal consumer reports

This is my second attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America was presented estate papers etc   XXXX   XXXX   for deceased. Additional documents were presented for deceased   XXXX   XXXX  .   XXXX   XXXX   Bank of America 's legal division says they will not release funds
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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: Checking or savings account

Td bank account had unauthorized XXXX payments to my account. When I called to let them know they stated there was nothing I could do about it.
Product: Debt collection

I complained to you, they responded on XXXX claiming to stop calling. 
Just listened to my messages, there were XXXX calls from them. I only listened to XXXX envelope of the messgae which was dated XX/XX/XXXX XXXX am. 
AFTER THEY LIED AND SAID THEY WOULD STOP. They clearly dont respect this office and continue to XXXX XXXX I hope you will charge them a fine and do something as a penalty for co ti using to harass me ( for something I DO NOT OWE ). On top of being rude criminals they are idiots. My balance with XXXX is XXXX. As I stated before I am taking legal action. If you could be so kind as sending me their address I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX reporting on my experian credit report. I reached out to green dot they cant locate an account under my information. 
Said that they are a prepaid card and dont report to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX  which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. Transunion never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. XXXX. 

All of their reps that I have tried to communicate with was very unethical. 

XXXX XXXX XXXX refuse to send any written signed contacts or any verifying data about this fraudulent account.
Product: Credit card or prepaid card

I reported fraud XX/XX/XXXX card end XXXX New card issued XX/XX/XXXX ending XXXX and again reported fraud. XX/XX/XXXX ending XXXX and again reported fraud XX/XX/XXXX new card ending XXXX USAA sent me enclosed IMPORTANT NOTICE ( ** Undated ) Why you are receiving this new USAA credit card? WE HAVE DETERMINED THAT YOUR USAA CREDIT CARD INFIRMATION SUCH AS YOUR NAME, CARD NUMBER, AND EXPIRATION DATE, MAY HAVE BEEN COMPROMISED This new card ending XXXX USAA sent DOES NOT PROVIDE ME ACCESS USAA DID NOT PROTECT CONSUMERS I had already reported fraud 4 times before recieving this card MY PRIVACY WAS NOT PROTECTED BY USAA and USAA has not resolved the fraud on my account that USAA COMPROMISED left unprotected and unresolved When did USAA PUBLICLY ANNOUNCE THIS DATA BREACH TO PROTECT ALL CONSUMERS?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Customer Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Again, I reject the arbitration clause in the Equifax interactive service agreement.

Thank you again for you speedy help with to this matter and noting my account.

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appeared on my credit file and it does not belong to me