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

On XXXX I transferred out {$80000.00} out of my Marcus by Goldman Sachs High Yield Saving account for a down payment/closing costs on a house. On XX/XX/XXXX I realized the funds were not in my bank account and signed onto my Marcus account. I was presented with a notice that said my account was locked and to call to unlock the account. I immediately called and was asked to verify my identity using DOB, Social, secret word. They said they could not identify me by this and needed to send me an Affidavit of Identity to properly identify myself. This would take XXXX business days to receive, XXXX to get back to them and a review period. Obviously this is extremely problematic considering I needed this money to close on our house. We got the affidavit had It properly filled out and notarized and sent It back to them on XX/XX/XXXX. As of XXXX some representatives are saying It has not been received while others are saying they can not disclose if It has been received until after It is reviewed. I have spent countless hours on the phone trying to make this issue right in a timely manner and emailed the XXXX XXXX XXXX. It is XXXX, there has to be a faster way to identify someone than by snail mail. It is extremely unethical to not allow someone to the majority of their own money. We simply do not have the time or means for this issue to drag on any longer.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with therf to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report
Product: Mortgage

Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on  XXXX   XXXX ,    2017  the  XXXX  dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.
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. 


Has violated my rights. Or 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 reporting or other personal consumer reports

UNDER TITLE 15 USC 1692G THERE IS DATA BREACHED SINCE YEAR 2017 MULTIPLE UNAUTHORIZED CREDIT REPORT THAT I WASNT AWARE OF MY PERSONAL DATA PERSONAL INFORMATION WAS EXPOSED IN DARK WEB IAM VICTIM OF IDENTITY THEFT FRAUDELENT CYBERBYLLIED ATTACKED. I NEVER GIVE ANY CONSENT PERMISSION TO NO ONE TO SHARE SELL TRADE MY PERSONAL INDENTITY I HAVE A FULL IN CKNTROL OF MY AUTHENTICITY MY OWNERSHIP MY PERSONAL ACCOUNTS FINANCIAL ACCOUNTS BUT THEY ACCESSED CONTROLLED HACKED MY XXXX EQUIFAX XXXX WITHOUT MY KNOWLEDGE MY CONSENT WITHOUT MY PERMISSION WITHOUT MY AUTHORIZATION THEY VIOLATED MY FULL LEGAL RIGHTS FOR THEM CONTROLLING OR HAVING PROVISIONS WHILE IAM BEING BLOCKED BARRED AND TARGETED I HAVE SEEN RANDOM CHARGES UNKNOWN TRANSACTIONS INCLDIDING DEBT COLLECTORS AGENCIES WEBSITES IN MY PERSONAL XXXX EQUIFAX XXXX OF PERSONAL ACCOUNT REPORT WHICH I FOUND IT VIOOATION OF CONSUMER PRIVACY ACT A CONSUMER FIANNCIAL PROTECTION ACT CONSTITUTIONAL RIGHTS ACT. IT IS UNCONSTITUTIONAL FOR DESTROYING MY LIFE MY OWN REPUTATIONS I NEVER AGREED TO ANY OF THEIR TERMS.
Product: Student loan

I have contacted XXXX on several occasions to be released from cosigner on school loans. The payments for 48 months have been made in full, by my niece, the borrower. We were told when these loans where transferred from XXXX XXXX, to XXXX over 2 years ago, that We would have to pay 2 more years before the cosigner would be released. My niece has made all those payments in full. We have contacted them on several occasions again, and have been told the paperwork would only be sent to us if we qualified. Not what they said before! They are not helpful and the customer service is poor! Do not use this company!!!!
Product: Debt collection

Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe. They also reported the debt before the end of the 30 day validation period.
Product: Credit reporting or other personal consumer reports

I have concerns regarding the validity and accuracy of your recent investigation into the accounts listed on my credit report. I requested this investigation because I believed the items in question were not being reported in accordance with the law. I recently received a letter stating that your investigation is complete. Could you please provide me with an explanation of how the investigation was conducted? 
XXXX XXXX Balance : {$210000.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Ally Financial is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and Ally Financial is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Cease and Desist Demand Under 15 U.S.C. 1692c Debt Collection Communication Dear POSSIBLE FINANCE INC., Regarding account # ( XXXX ) I am writing to formally demand that you immediately cease and desist from all further communication with me regarding the alleged debt referenced in your recent correspondence, as well as any future communication related to this matter. This demand is made pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further contact with me regarding the above-mentioned debt. Please consider this letter as my formal written notice that I no longer wish to be contacted by your agency regarding this matter. As required by law, this letter serves as an official demand that you : 1.Cease and desist all communications with me, either directly or indirectly, regarding the debt in question. 2.Cease any further attempts to contact me by phone, mail, email, or other methods unless such contact is required by law or for the purpose of informing me of specific actions you are taking ( such as legal action, if applicable ). 3.Provide written confirmation within 30 days of receipt of this letter that all communication has been terminated in accordance with my request. Please be advised that any further communication in violation of this request will be considered harassment under the FDCPA, and I may pursue legal remedies available to me under 15 U.S.C. 1692k for any damages caused by such violations, including statutory damages and attorneys fees. Additionally, I request that you immediately cease any further attempts to report or escalate this matter to any credit bureaus or engage in any other action that could negatively impact my credit standing. Please note that I am keeping a copy of this letter for my records. Should this matter not be resolved in accordance with my request, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the state attorney generals office, and pursue any additional legal action I deem necessary. I trust that you will take this matter seriously and comply with my request immediately. If you need to contact me regarding any legal requirements or updates about this debt, you may do so only by written correspondence at the address above. 
Sincerely, XXXX XXXX
Product: Checking or savings account

First issue somebody write {$18000.00} check in somebody else company name had it delivery two another address and the bank denied my claim for no reason and would send us information i file XXXX that said that don't have to tell us why but not there money on the line it's my money and then that close my account in issue i should have been tell about something costing that much. Then on top of that I had made claim for XXXX charger because by them closing my account XXXX place hold on my account in i never got my order the bank wouldn't file a claim on my behind ever doe i was tell by XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED CONSULTANT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

This is not a new complaint, as it directly relates to the initial issue. XXXX responded with complete ignorance, providing a reply that was utterly bogus. I am addressing their response because they fail to understand the distinction between " dismissed '' and " discharged. '' It is evident they hire individuals who do not conduct proper research. These employees seem to have inherited outdated mortgages that have been sold multiple times. Their practices reflect predatory lending, and they must remove this from my credit report.
Product: Debt collection

Back in XXXX around the XXXX th I ask this company Pro Collect INC Account # XXXX to send me verification of a debt that they're constantly sending me letters saying I owe. They didn't provide a signed contract as i asked from the original debtor and a contract of them signing taking on this debt that was not my responsibilty. I am XXXX and due to my XXXX I was receiving help from HUD and they was responsible for my rent at the time. 

If this company Pro Collect INC would have done their research and validated the debt like i asked they would know that I do not owe this bill. This bill is the responsibilty of the agency that was assiting me at the time. I am still receiving government assitiance with my rent from the same agency just a different branch of Non Profit.
Product: Credit card

I purchase a ac for my rental property that has three children their and their are exposed wiring that are hazardous that can cause bodily harm in the residence. It can cause shock, fire and tripping hazard. 

I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and he is aware of the bouch install and the contractors were very rude and left expose wiring in my property that put my insurance and tenants at risk. 

Some was sent out to fix the problem and I was told the XXXX XXXX do not give them tools and covering. I told them that's was a building hazard. 

I requested that my credit card be refunded instead I was charge and additional {$1600.00} in interest and my property was left in a unsafe with 2 adults and three children and that's not fair. Can not babysit this sitiation.
Product: Credit reporting or other personal consumer reports

Today, I received a card to recommend for the permanent removal from pre-approved credit offer mailing lists from Experian addressed XXXX. XXXX, XXXX, TX XXXX. Since I consider email communication is included for removal, I have assumed not to receive it from anybody. However, at XXXX of today, I received an email from Experian ( XXXX ) an offer of credit card, Experian XXXX XXXX Digital Checking, which looked like to be done by cellphone ; even though I believe it must have been impossible with my old cellphone.
Product: Checking or savings account

In XX/XX/2020 Chase advertised a {$300.00} bonus for opening a checking account and {$200.00} for opening a savings account with another {$100.00} bonus. I opened the accounts and they were going to charge me a fee and said I needed to keep {$1500.00} deposit to avoid a fee. I made a direct deposit on XX/XX/2020 of {$1500.00}. I called today XX/XX/2020 and asked where my bonus was. They said I needed to have a direct deposit from my Social Security not just another bank which was news to me. Then the connection started " breaking up '' and went silent when I contested it. I feel their advertisement was fraudulent and now I just want to withdraw my money and close the accounts, but they just hung up on me before I could. 
What is the best way to close the accounts and get my money and avoid fees? 
Thanks so much for your help. I feel I fell prey to trying to get something for free, but they did not make the requirements obvious and now I am " paying '' for it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts open with authorization. 

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: Debt collection

Portfolio RC is using tactics of harassment by calling, texting, Emailing and letters about a debt thats not mine.From 2018 that I did not obtain. The 2 account were opened falsely in my name and they said because they have my name and social that I have to accept this debt As thats the only proof they need that it was mine. I did not have these account inXX/XX/XXXXI believe my information was used by somebody I know without me knowing or my information was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX entered a consumer credit transaction with XXXX XXXX XX/XX/2019 in which Regional Acceptance Corporation I extended credit of {$12000.00} in consumer credit financing charges. XXXX XXXX accepted cash in the amount of {$1000.00} in this consumer credit transaction there by making this contract void and fraudulent pursuant to 15 USC 1605 defines finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX accepted took cash. The finance charge is suppose to include insurance but XXXX made me purchase insurance separately. 

Regional Acceptance Corporation is in violation pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusion clearly states a consumer report does not include any transactions or experiences no payment history should be reported according to FAIR CREDIT REPORTING ACT Also pursuant to 16 CFR 313.15 - Other exceptions to notice and opt out requirements. 
and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods I am exercise my right to opt out of consumer reporting of all non public information by Regional Acceptance Corporation Regional acceptance did not give clear and concise information of any of these right to opt out of consumer reporting I also notified the FEDERAL TRADE COMMISSION and the OFFICE OF CONSUMER FRAUD AND PROTECTION