23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Debt collection

I was trying to fix my credit with XXXX XXXX XXXX  and a couple accounts was supposed to be paid off for them after 4 years paying till I find out there was a miscommunication with the company because they wasnt making the payments on all my accounts, a few days ago a third party company its been harassing me over the phone and calling family members asking for me company that I wasnt notified about I try to speak with one representative but she was been rude and un respectful to me where she said that they cant sue me for that amount, that she was mentioning but also that account was supposed to be be pay off since XXXX. What it got me confuse because I didnt have any knowledge about I try to my credit report company to make a disput but the third party its refused to remove the collection that its been Pay out since XXXX
Product: Mortgage

Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account, we originally called on XXXX/XXXX/2016 at XXXX, I do not recall who we spoke with, but he or she told me they would contact the tax department and someone would call back. 
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called, and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that, I would not have wasted my time calling Pennymac on XX/XX/XXXX as that was not 10 days from my original call. 
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so, but the extension we called went to voice mail and we never received a call back. 
On XXXX/XXXX/2016 XXXX called me back and said that there had been no resolution noted, but she would call back when she heard something. 
Today is XXXX/XXXX/2016 and so far as of XXXX we have heard nothing. 
We now intend to file a complaint with Bureau of Consumer Financial Protection about the non-response from Pennymac about our concerns dealing with you about our escrow account. 
We have gone into the XXXX County Treasurer and Tax Collector and they stated that the amount of taxes noted on our tax bill is true and correct and they stated that the amount you project for payment out of our escrow account is WRONG. Pennymac payed the first half of the total years tax in XX/XX/XXXX of {$1400.00} and the balance to be paid in XX/XX/XXXX should be the remaining balance of {$1400.00}. Yet you indicated on the account projections sheet that you are going to pay {$1600.00} in XXXX and the same amount in XXXX 2016. 
You sent us a overage refund of {$360.00} on XXXX/XXXX/2016, we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX, and yet you are increasing our escrow payment to {$320.00} an increase of {$5.00}. 
I know from previous secure message email to you that it takes to 2 days to get a reply, I would suggest you reply ASAP if you can get this settled as the complaint to the Bureau of Consumer Protection will be dispatched this afternoon. 
I find the non-response by Pennymac to our concerns about our escrow account an affront to my sensibilities and it seems that Pennymac has a truly inconsiderate and unresponsive consumer affairs department. ''
Product: Money transfer, virtual currency, or money service

Gemini placed a security hold on my account, essentially blocking me from moving my money off the exchange onto a wallet. Over multiple emails they asked me for more and more information and documents and the requests are odd to say the least, irrational even. For example, they actually asked, " Why did you open a Gemini account? '' Stunning.

No reason has been given for the security hold, though I asked for an explanation repeatedly. And I'm loathe to upload more documents to their " safe drop '' thing because recently, when I did that for a different issue, they soon informed me there was a security breach and I needed to close my bank account completely. So I no longer have confidence that the " safe drop '' is " safe. '' I need this to be resolved as quickly as possible. Thank you so much.
Product: Student loan

Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.
Product: Checking or savings account

I made an ATM cash deposit on XX/XX/XXXX at XXXX cst. and the ATM machine became inoperable during my transaction. I deposited {$690.00} cash and the ATM spit back {$200.00}. Then the ATM showed on the screen my deposit was complete but never gave a receipt. I knew the deposit did not go through because at the end of depositing cash it tells you how many bills were deposited and the amount you deposited. I did not get that. Also, I get alerts on my phone whenever I deposit or withdraw money from my account. I did not receive any alerts. The ATM went back to the home screen before I exited, so I tried to deposit the {$200.00} cash it gave back to me. The only option it gave was to deposit checks and NOT cash. So I tried to withdraw money and I was not able to because, of course, the cash slot wasn't operable. The branch was closed so I was not able to go inside to get help. When I tried to call all the numbers given in the mobile app, all lines were closed. So the next day, XX/XX/XXXX at XXXX cst, I called the customer service number and filed the dispute. I received a letter dated, XX/XX/XXXX, stating " Our research indicated that the ATM was balanced and didn't show a difference that matched the amount you disputed. As a result of our research, the temporary credit of {$490.00} we issued to your account will be reversed XX/XX/XXXX. '' I have banked with Fifth Third Bank for more than 10 years and I have over {$2500.00} deposited into this bank every 2 weeks. I have no reason to lie about depositing {$490.00} of my hard earned working money and I also do not have {$490.00} to just forget about.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately : 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: Vehicle loan or lease

XX/XX/2018 : I entered a debt modification program through XXXX XXXX XXXX of XXXX, AZ. 

XX/XX/2018 : I made my monthly car payment of XXXX to Capital One Auto Finance. 
. 
XX/XX/2018 : Capital One Auto Finance debited XXXX from my bank accout as agreed. 

XX/XX/2018 : Capital One Auto Finance reversed the payment. 

XX/XX/2018 : Capital One Auto Finance sends an email advising my payment was late, warning me of extra fees ans charges. 

XX/XX/2018 : I again make a payment of XXXX to Capital One Auto Finance. 

XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I fax Capital One Auto Finance a cease and desist letter, providing evidence that my payment was made on time and then rejected for what I assume is my association with XXXX XXXX XXXX. I include a copy of CFPB XXXX XXXX and advise them they are in violation of the XXXX - XXXX XXXX per the CFPB Bulletin. 

XX/XX/2018 : Capital One Auto Finance again debits my bank account as agreed for XXXX XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I've made a payment XXXX, making my account current with Capital One Auto Finance, a day before my XXXX monthly payment is due.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Accounts and Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of charge-off accounts on my credit report. Specifically, these accounts have been incorrectly classified as open despite being charged off, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

According to the FCRA ( 15 U.S. Code 1681s-2 ), creditors are required to report accurate and complete information. A charge-off account can not remain classified as an open account, as this misrepresentation severely impacts my creditworthiness. Additionally, I am demanding the immediate removal of all late payments associated with these accounts, as continued reporting of delinquency on an account that has been charged off is unlawful and misleading.

This inaccurate reporting has already caused me significant harm, including loss of employment opportunities and financial hardship. As such, I am demanding the following actions be taken immediately : 1. Remove all charge-off accounts that are incorrectly reported as open.

2. Delete all late payment history associated with these accounts.

3. Remove these accounts entirely from my credit report.

If these errors are not corrected within the legally required timeframe of 30 days, I will have no choice but to pursue legal action against your company for willful noncompliance with federal and state consumer protection laws. I will also file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

I expect immediate action and a written confirmation that these errors have been corrected. Please consider this a final notice before legal proceedings begin. I look forward to your prompt response. 

The account in question are XXXXXXXX XXXX XXXX  thats reporting late and charged off. Please remove - Sincerely, XXXX XXXX
Product: Mortgage

Our Mortgage company is Shellpoint Mortgage Servicing, I contact your company with this problem before. I contact XXXX XXXX AND XXXX XXXX XXXX. They referred me to your company for help I am sending my regular payments. SHELLPOINT have added insurance and taxes to our payments. We have sent letters of confirmation from us and the insurance company showing we are paying out of pocket payments to a company. We pay our own taxes out of pocket also. Shellpoint is returning our monthly payments back to us to make it look like we are missing payments. The checks are returned with a red stamped O/N on it and a letter stated we are 90 days past due. We have sent this Mortgage Servicing Company proof of paymenst made. This Company continue to disregard our efforts to provide proof we are not 90 days behind because we not sending the payments it's because they are sending checks back to us. I have been dealing with this for over two years. If I can provide you with any information that will help me get this situation take care of. Please let me know. I can provide proof with bank institution and certified mail receipt with proof that we sent our payments. Thank you, we need help with getting this matter taken care of.
Product: Checking or savings account

Citizens Bank acquired my XXXX savings, checking, and overdraft accounts earlier this year. I began trying to close those accounts in XXXX. This required several phone calls, a branch visit, then several more phone calls. It appears my accounts are finally closed, but Citizens continues to send me statements for the savings account, which required yet another phone call to them today. They advised me to ignore the statements. I won't go into the details of my branch visit and the at least five phone calls required to get them to close my accounts, but I think they should be investigated, because their incompetence is truly astonishing.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I recently retired and I relocated from XXXX XXXX, XXXX  to XXXX, XXXX. As detailed in the attached letter to Citibank, I used a moving company named XXXX XXXX XXXX XXXX for my move and incurred {$3100.00} worth of charges from XXXX XXXX although no services were rendered. XXXX XXXX maintains that I signed a contract and that they provided a 3rd party mover but the mover they provided tried to extort me for {$9000.00}! 

I originally based my dispute on the fact that I tried to cancel the job after the demand for {$9000.00} but after speaking with a fellow named XXXX in the Citi disputes department he advised that I would not win the dispute unless I resubmitted my dispute paperwork as no services rendered, so I resubmitted the paperwork as advised. 

The Citi dispute department has sided with XXXX XXXX for both of my disputes ( see attached dispute letter ) based on the fact that a contract was signed. They claim that they are bound by the Federal Credit Card Act and that only my original dispute can be investigated and they can not reverse the credit card charges because a contract was signed. 

I took my grievance to the Citi CEO 's office ( see attached ) but the outcome was the same, the contract took precedence over all else. 

However, I was in contact with the Federal Motor Carrier Safety Administration and they gave me a list of moving brokers responsibilities and the broker was in violation of the following- They did not provide me with the FMCSA Rights and Responsibilities Booklet or the Ready to Move brochure. 
They did not provide me with a list of moving companies they use. 
They did not furnish a written agreement with the 3rd party mover they used ( the 3rd party mover told me they have nothing to do with XXXX XXXX ). 
The mover must perform a physical survey if within 50 miles of the location, they did not. The only survey performed was when they showed up on the move day demanding {$9000.00}! 
Based on theses violations of the broker 's responsibilities I contend that the broker voided the contract. However, Citi still sides with the broker and maintains that unless the broker agrees to a refund there is nothing they can do. Since XXXX XXXX is obviously a corrupt company, they have no intention of agreeing to a refund. 

This is not fair that a company that did nothing but arrange for a group of extortionists to arrive at my apartment demanding {$9000.00} can be allowed to keep {$3100.00} because a fraudulent contract was signed. How can Citi side with this broker after seeing that the original estimate went from {$3900.00} to {$9000.00}! 

As retired person this loss of {$3100.00} is a tremendous blow to me and I hope that something can be done or some advice given in the hopes that I can recoup some of my loss. 

Much appreciated ... Regards, XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against Marcus by Goldman Sachs for their arbitrary and

unjustifiable actions in locking my account and their subsequent inadequate customer service. On XXXX XXXX, 2024, I attempted
to log in to the Marcus by Goldman Sachs app to manage my account, only to be met with a message stating that my account was temporarily locked. The app instructed me to call their support number to resolve the issue. I had done nothing wrong with my account, so I was confused and frustrated as to why it was arbitrarily locked.

Upon calling their support number, I was informed that my account could not be verified because the name associated with my phone number did not match the name on my account. This is an unacceptable reason for locking an account, especially considering that many individuals, like myself, are on family plans where the primary account holder 's name might differ from the individual users.

Despite providing all necessary information, including my full name, Social Security number, date of birth, and even my secret phrase, Marcus by Goldman Sachs still failed to verify my identity. Instead, I have been subjected to a continuous cycle of frustrating and unproductive interactions with their customer service.

I have received multiple emails instructing me to call their support number, only to be disconnected repeatedly before reaching a representative capable of assisting me. When I finally managed to speak with a representative on XXXX XXXX, 2024, I was asked to provide the bank account number I used to transfer funds into my Marcus account. Despite giving the correct information, the representative still could not verify my identity and insisted on creating yet another case to consult their so-called specialists for further verification.

This entire process has been nothing short of a nightmare. The lack of coordination, the repeated need to re-verify my identity despite having provided all necessary information, and the constant disconnections have caused significant stress and inconvenience. Most importantly, I do not have access to the funds in my account that I need, which has severely impacted my ability to manage my finances and meet my obligations.

As a consumer, I expect a financial institution to handle my account with care and provide competent customer service. Marcus by Goldman Sachs has failed on both counts. Their arbitrary account lock, compounded by their inadequate verification process and poor customer service, has caused undue hardship and inconvenience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.