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

On XX/XX/24, I logged into my Marcus Goldman Sachs account and linked an external account ( XXXX XXXX ) using the Plaid verification service. I then initiated a {$10000.00} transfer from my MarcuXXXX Goldman Sachs account to my newly linked XXXXXXXX XXXX  account. Around XXXX on XX/XX/24, I received a call from an agent with Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I had submitted the transaction and the agent said that the transfer would go through an no other information was needed. On XX/XX/24, I logged into my Marcus Goldman Sachs account and saw that tthe initial transfer I made was reversed and a new transfer request was made on my behalf. Around XXXX on XX/XX/24, I get another call from Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I made a request to transfer $ XXXX to XXXX and that an agent had already called me about it yesterday. The agent placed me on a hold then told me that I would need to do a XXXX way call with XXXX to verify the account. The agent placed me on a hold to find a phone number to call XXXXXXXX XXXX. After XXXX minutes, the agent came back and stated that he could not locate a phone number to XXXX XXXX and as such he can not verify my account and I could not transfer money to that account. I asked the agent why I am unable to use that account if it was linked and verified via XXXX. XXXX stated that it's because of his inability to verify the account that I am unable to use it to transfer money to. Upset, I hung up the phone. Now, I have to wait another XXXX hours before I see the {$10000.00} transfer reversed and have the money back in my account. All the while, I am losing daily interest on my money because of this useless inconvenience and runaround.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) due to inadequate customer services and unfair practices which violate the the consumer financial protection ACT ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund Transfer Act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redess for these violations.
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$4000.00} into my Capital One 360 savings account, as I usually do to protect my money whenever I deposit into my checking account. I mistakenly scheduled a {$4000.00} payment to my XXXX XXXX credit card, which I canceled and then rescheduled for the same amount. I intended to pay {$400.00}. Around XX/XX/XXXX, I noticed this mistake while reviewing my bank transactions. I contacted my credit card company to file a dispute and get a refund. They confirmed the transaction attempts and suggested I contact my bank for a refund, offering to vouch for the correct amount. I contacted Capital One 360, and a customer care representative advised me to file the transaction as fraud, which was later denied on XX/XX/XXXX, because I had authorized the charge, regardless of the amount. Speaking with a supervisor, I was told to file it as a dispute for the wrong amount. When I followed up on XX/XX/XXXX, the dispute was denied again due to their policy requiring disputes within XXXX  days. They advised me to file a rebuttal and provide proof of my conversation with the credit card company, which I do not have and am unsure if such information is even available to customers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section XXXX of the FAIR CREDIT REPORTING to section act ( 15U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE pirposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section thatjustifies their presence on my report : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX
Product: Debt collection

On XX/XX/year> LVNV Funding LLC opened a debt collection of {$1000.00} on my credit report that I have absolutely no association with. They never contacted me, never sent any letters or anything about the " debt '' so I didn't find out until about a year later that it even dragged my credit through the mud. I opened a dispute and called them to find out where it even came from and they couldn't even tell me, just that it was on my record. They won't get rid of it even tho they can't prove it's mine and there's tons of reviews on their XXXX XXXX  with people having the same issues and even them completely scamming people. How they haven't been investigated and shut down is absolutely beyond me because what they're doing is flat out criminal.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/XXXX XXXX publicly reported a significant data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. These fraudulent accounts consist of personal loan accounts opened with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, personal loan accounts opened with XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a personal credit card opened with XXXX  on XX/XX/XXXX a personal credit card opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX as well as personal credit card accounts opened with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, hard inquiries with Best XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXXXXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX, with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, and a hard inquiry with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, multiple fraudulent hard inquiries appearing on my consumer FICO credit report and even having to file bankruptcy. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX  ), and ( XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXXXXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house

( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges.  According to the magistrate.

I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX  XXXX/XXXX ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against Capital One Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. Capital One credit card furnished my non public personal information to XXXXXXXX XXXX XXXX  XXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice Capital one, XXXX, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was opened on XX/XX/23 requesting that Equifax correct the information on my credit file as it is showing all of my information has disappeared from the Equifax website when I attempt to log in. I am no longer able to access my credit file and FICO score via the Equifax website or the Annual Report website. I review my credit very frequently since I am in the process of pre-qualifying for a mortgage. My lender indicates when trying to pull my file from Equifax he is receiving a " fraud error '' message.
Product: Money transfer, virtual currency, or money service

Hi. On XX/XX/2022 I was coerced and scammed out of {$2000.00} total. A man named XXXX XXXX convinced me to send him and his co-workers money. I sent {$1000.00} to his cashier XXXX, {$750.00} to XXXX, and {$250.00} to XXXX. I called Chase Bank on XX/XX/2022 and they were no help. Ive been scammed and this loss of money is detrimental to my health as I need this money to survive. Please get back to me as soon as possible l.
Product: Student loan

I was told by Mohela my payments would resume with a monthly payment of {$570.00} on XX/XX/23, under the SAVE plan ( see attached ). Then, my account was placed on an administrative forbearance, and my monthly payment was increased without explanation to {$1000.00} on XX/XX/23, which my family and I can not afford. I submitted another Income Driven Repayment Plan Request, and now several weeks later, the payment has again changed to {$690.00} on XX/XX/23, which my family and I still can not afford. I have tried contacting Mohela by secure messaging on their website, with no response to my concern. I've tried calling them several times, and after a ~three-hour hold one day did speak with a Mohela employee, who could not provide me with an explanation. This situation is frustrating, and the loan payment uncertainty is making it difficult to make future financial decisions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX XXXX on XX/XX/2015 in XXXX, CA. The finance company that agreed to be my lender is Consumer Portfolio Services Inc. When I went to purchase the vehicle, I had just completed a Bankruptcy, two days prior. So of course, my interests ' rates from the Consumer Portfolio Services were going to be high. 


In the contract I signed, the total loan amount including finance charges is {$24000.00}. CPS finance charges annual is 20.45 %, total finance charge of {$8900.00}, for a amount financed of {$14000.00}. Five years has passed, and the vehicle is still not paid off. I started calling customer service inquiring about why my principle on the vehicle was still so high. So, I decided to print off my payment history from the website, and found out that I have paid {$12000.00} in interest, {$3800.00} more than on the contract. My principle paid off is only {$9500.00} in 5 years. I have paid {$22000.00} on the loan, but I still have a balance of {$4900.00}. 

I need help getting this account corrected with Consumer Portfolio Services Inc. The amount of {$3800.00} that has been applied to interest should be applied to my principle. This company has a lot of bad reviews with current and prior customers stating they were cheated by CPS with them charging more on the vehicle than they should have paid.
Product: Checking or savings account

XXXXXXXX XXXX claim #. 

Totaling almost {$30000.00}. 
XX/XX/XXXX {$5100.00} XX/XX/XXXX {$7500.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$6000.00} XXXX Is selling to XXXX XXXX. 
XXXX fraudulent checks cleared my First Horizon Bank account. They were deposited online at XXXX XXXX. I filled in the Affadavits at XXXX and filed the police report with XXXX police dept as requested. I was advised by XXXX money would be returned in a week. It has been over 90 days since this occurred and XXXX claims XXXXXXXX XXXX has to repay the money. I did not sign an account agreement with these terms. Nor was I made aware of these terms. I can not find any laws supporting XXXX or XXXX policy. 
They are both allowing mobile deposits and have no safeguards. Duplicate check numbers cleared the account. They cleared same check numbers twice? They will not repay consumer losses to the systems they preside over. Our money is not protected by or safe in our banks. It is an atrociously flawed system where the consumer loses.
Product: Checking or savings account

In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. 

Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. 

My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. 

A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. 

Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. 

Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. 

This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. 

I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.