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

Dear CFPB, I'm writing to flag a troubling issue with an account I have at Goldman Sachs Marcus. On XX/XX/22, I made what I thought was a XXXX transfer to another money market account at XXXXXXXX XXXX I received an email confirmation at XXXX XXXX  that morning from Marcus that the transfer had been completed. Later that evening I received an email and phone call from Marcus instructing me to call them about my account. I did just that, and had a couple of puzzling conversations with their agents. From what little I could gather, my account had evidently been locked over some unspecified security concern. After visiting with their agents, I was assured that my account was unlocked and the transfer would go forward. I received another email confirmation at XXXX on XX/XX/22 that the transfer had indeed been completed. On the morning of XX/XX/22 I was horrified to discover that the transfer had not been made, and had indeed been reversed, creating untold nightmares. Panicked, I initiated a chat with yet another Goldman Sachs agent, who told me there was no transfer in progress. Long story short, despite one oral and two written confirmations of the transfer, it had never been made and Marcus had retained the funds. The chat agent yet again assured me in writing that my account is not locked, so I'm attempting yet again the transfer to XXXX. While I am 110 % in support of stringent security safeguards, these eyebrow-raising actions by GS Marcus might lead one to suspect they are using the fig leaf of 'security ' concerns as a pretextto slow-walk, delay, or in my case completely stop transfers to their competitors. Let the record reflect that I have always loved my Marcus account, and was one of their first customers. Not only that, I am a Goldman Sachs stockholder! My past good experience with Marcus and XXXX makes this misbehavior on their part all the more shocking. I ask CFPB to investigate the actions of Goldman Sachs Marcus and take appropriate steps to facilitate this transfer and prevent further harm to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by XXXX, XXXX, Equifax, and XXXX XXXX  regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports. 

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely,
Product: Debt collection

XX/XX/XXXXwas the first date I sent out a certified dispute letter requesting proof that I owe {$1600.00} the loan. They responded with a digital printout without my signature on it. XX/XX/XXXX The company responded back with a printout of a bill without my signature on it.

XX/XX/XXXX I sent another letter asking for proof that I owe this amount as well as proof I owe them.I received no response.

XX/XX/XXXX This company was shutdown by the SEC for fraud and all assets were frozen. The owner went to XXXX and a few of his workers as well. This company is not bonded in the state as well.
Product: Credit card or prepaid card

Capital One XXXX card was compromised and used in states where I do not reside nor have been nor have connections in. Capital one fraud alert has closed and reissued new account and reversed charges to the card fraudulently, but also had bank account number and processed payments out of the bank account to the card. I am correcting the credit reporting agencies information but they require a report from FTC with confirmation of ID to proceed and correct reports or remove fraudulent information.
Product: Debt collection

This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 with 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: Vehicle loan or lease

I, XXXX : XXXX, XXXX XXXX XXXX for exercising my consumer rights in good faith under the CONSUMER CREDIT PROTECTION ACT and denied the use of my own credits pursuant to 15 U.S.C. 1691. Equal Credit Opportunity Act makes this unlawful. SANTANDER CONSUMER USA and XXXX XXXX pursuant to 15 U.S.C. 1692j, furnished an application which is a deceptive form and that is unlawful to design and used my personal information without my written consent, making this identity theft. I was not given full disclosure about all material facts. SANTANDER CONSUMER USA and CHRYSLER CAPITAL has communicated with credit agencies without my written permission which is identity theft and also a violation of my consumer rights. SANTANDER CONSUMER USA and CHRYSLER CAPITAL quoted me charges that totaled more than the finance charge and did not include any insurance premiums with services pursuant to 15 U.S.C. 1605 ( a ), 1605 ( b ) ( 2 ), & 1605 ( c ). These unfair and deceptive business practices are all in violation of my consumer rights pursuant to The Unfair and Deceptive Business Practices Act. I sent a notice to SANTANDER CONSUMER USA and CHRYSLER CAPITAL and received a correspondence back without remedy.
Product: Vehicle loan or lease

In XXXX of XXXX XXXX Kia XXXX  was financed thru Kia Finance. The car was totaled XXXX XXXX In the month of XXXX the car was paid in full by the insurance company and the extended service contract provider. i also purchased gap insurance. On XXXX XXXX  the gap insurance refund was issued to the Kia store east. Kia store east sent the refund in the amount of {$1000.00}. The amount was then supposed to be forwarded to me since the loan had been paid in full since XX/XX/XXXX. It has taken me since XX/XX/XXXX till XX/XX/XXXX to receive the information where the money was. I contacted Kia Finance on XX/XX/XXXX, they claimed that they mailed the refund check in XXXX. I never received the check. Kia finance then searched to see if the check had been cashed .It had not been and was still Outstanding. XX/XX/XXXX they canceled the check and said they were reissuing the check in 7-10 business days. i called back XX/XX/XXXX still in process and to give them additional 7-10 days to recieve payment I called XX/XX/XXXX, they claimed the check has still not been issued. I feel now they are giving me the run around because every time i call different story
Product: Student loan

I 've filed disputes with Experian, XXXX and XXXX  regarding this. I sent the disputes via certified mail and verified receipt. I would like a copy of the promissary note that XXXX XXXX XXXX is claiming I signed in order to receive said loans for the following accounts # XXXX, # XXXX and account # XXXX. I received information from XXXX that the information was " verified '' and " updated ' but what are they verifying? Whatever it is I would like a hard copy of it. You cant just " update '' someones records without providing them with a copy of it. I am not just going to accept it was " verified '' WHAT WAS VERIFIED???? I 'd like a copy of it. If we had to go to Court the Judge would want to see a copy of the promissary note with my signature attached. I do n't recall any of these loans. I would like a copy of the promissary note and or any documentation proving I owe these for these accounts. It is not fair that Creditors just " update '' please provide consumers with exactly what you found that lead you to your finding in fact. A fair solution would be to remove/DISCHARGE these accounts from my credit report IF you can not provide the copies of the promissary notes with my signatures attached.
Product: Student loan

Debt Collector - North Star has been harrassing my phone, calling 10 times in two hours. Asked them to stop and they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan company failed to advise me that the automatic payment withdrawal from my bank account wasn't posting to my account for 2 months ( XXXX & XX/XX/XXXX ). I received a letter from the auto loan company XX/XX/XXXX stating that my account continues to be in default. As soon as I was notified of this, I checked my bank account for accuracy, found out that my automatic recurring payment was only active for 6 months, did not receive any notice from my bank account either that my automatic recurring payment would be ending, but my bank has also changed names 2 times. My account is current, however, my credit score has been NEGATIVELY impacted due to this issue that could have been easily avoided with communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX  Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX  # : XXXX XXXX XXXX # XXXX and XXXX 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 an account without my written instructions
Product: Debt collection

XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
Product: Mortgage

The company was Wells Fargo. Around XXXXXXXX XXXX XXXXXXXX. I needed to modify my mortgage. The bottom line is they put me through months of paperwork and then I ended paying more for my mortgage than before I attempted to modify my loan. I ended up having to file for bankruptcy. I always felt they didn't do right.
Product: Debt collection

I have asked Caine & Weiner to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit card

On XX/XX/year> I received a merchandise refund in the amount of {$140.00} which was refunded to the credit card that I originally used to make the purchase. The credit card company, Tomo Credit, has disabled the use of their credit cards however, and I am unable to spend my merchandise refund money and I am also unable to transfer the balance to my bank account. I've contacted Tomo Credit about this issue multiple times through email, submitted a help ticket on their website, and called their customer service line and still have not received a response from the company.
Product: Checking or savings account

Some one withdrawn money from my account online via XXXX pay
Product: Mortgage

It all Started when I was granted a modification in the summer of XX/XX/XXXX with XXXX XXXX. 
I made all 3 trial payments to XXXX XXXX but lost the modification because they did not receive the paper work on time. 
I called XXXX XXXX to beg for my modification to be honored but I was denied and told to re-apply. I re-applied in XX/XX/XXXX I was timely with the documents that were requested from me. Oddly though, The documents would sit with XXXX XXXX until they were expired and I had to re-send the documents over an over again until I submitted a complaint with my single point of contact 's manager in XXXX. They apologized and promised that everything they had was enough to be reviewed. A month later I receive a letter stating that my loan was sold to SLS effective XX/XX/XXXX. I called XXXX XXXX and asked what was going to happen to my application on file, I was told that decision for approval was pending and when I was approved for a modification, I would have to send my payments to SLS. 
When XX/XX/XXXX arrived I called XXXX XXXX. they said they had no record of a decision and to contact SLS. 
I contacted SLS, I was told that a packet was sent out to me to fill out for a loan modification review. I sent the application back as soon as I got it, XX/XX/XXXX. 
On XX/XX/XXXX, I was denied. I was told the reason for denial was because my investor, XXXX XXXX, did not approve granting me a modification. How is it that when my servicer changes, all of a sudden XXXX XXXX has a change of heart? I have the same investor just different servicer. I believe my loan was sold for the banks personal financial gain. XXXX XXXX prolonged my review just to have enough time to wash their hands of my loan. Now, I am in foreclosure without a home retention option, all because of the race of time. I never received court documents or proof of foreclosure. 
I am a senior citizen, where do they expect me to live?!
Product: Student loan

The only student loans that I took out was when I was going to XXXX XXXX XXXX XXXX, which was after I was finished with XXXX XXXX XXXX. 
in XXXX my brother XXXX XXXX XXXX must have been the person who took out {$3500.00} in my name with about {$3500.00} in interest. He took the loan out at XXXX and I don't think I was taking classes at XXXX at the time that he took out the loan. 

The loans that I did take out was 3 of them for {$3500.00} = {$10000.00} The Principal Balance of my consolidated loans is {$21000.00} Somebody took a total of {$10000.00} in student loans in my name and I'm XXXX. 
My Great Grandpa XXXX XXXX is on the XXXX Quarter, same as my Great Grandpa XXXX XXXX which makes me a XXXX. Get it. 

I just talked to XXXX XXXX at XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Hello- We have had the XXXX XXXX XXXX since XXXX. 
We have never been late before XXXX XXXX. I realized in XX/XX/XXXX we never got the bill. I called to tell them and pay the bill. That was XX/XX/XXXX and they returned the late charge fee {$64.00}. Once again, the mail messed up and the bill came this time but after the due date due to snowstorm in XXXX XXXX. I thought everything was taken care of with my payment in XXXX. I set-up automatic payments so this never happens again. In XXXX years with excellent credit score we have not had a problem. Citi has showed no grace. They have upped my new interest rate punishing me for the missing bill. Now they are charging me 29 % since XXXX. I asked them why and to appeal. They talked to my husband the main account holder. They said because of the XXXX ... what XXXX late bills they are charging me more. How is that fair. And they won't give me a lower rate until I request again in XXXX months. I upped the amount per month to pay it off sooner and then I will close the card when paid off. This seems like a game. They are making a fortune off of everyday people. 

Corporate greed.
Product: Mortgage

Home loan was acquired by Flagstar bank soon after closing in XXXX of XXXX.  The original lender was XXXX XXXX XXXX. County tax information was included in loan paperwork but they failed to include city taxes. Flagstar Bank failed to catch this error, despite servicing many other homes in the same town/county, and after more than two years, we were served with a lawsuit from our city for unpaid taxes. After MULTIPLE conversations with Flagstar and Flagstars legal department, we were unable to determine what happened. I refinanced the same property in XXXX of XXXX, with Flagstar, and had a clean title and, unbeknownst to me, city taxes were NOT included once again. Flagstar has since debited my new escrow account for the XXXX  and XXXX city taxes without my knowledge. This was done after several phone calls, from me to Flagstar, demanding answers to why the taxes werent paid and about the pending foreclosure by the city of XXXX XXXX. With no communication about the steps being taken by Flagstar to resolve this problem, I received a new escrow account summary with two large amounts taken out with no explanation ( these amounts also include penalties and legal fees for the delinquent taxes ). This has brought my new mortgage payment up more than {$160.00} a month. Not only did Flagstar not catch this obvious error that I had no knowledge of, but they failed to include city taxes in my new refinanced loan and, therefor, my closing documents and monthly quote were incorrect when I refinanced in XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes particularly in light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Account XXXXXXXX XXXX XXXX XXXX XXXX Dear XXXX  XXXX, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete. 2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report. 3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account. After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors. Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, Experian, and XXXX ). Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I awakened this morning to a notification that my cash app account was - {$170.00}. I had over {$370.00} in the account hours before. I opened the app and checked my emails. There were no indications or transactions showing that would have caused the withdrawal. I immediately emailed customer support and explained the issue. I have yet to hear anything from their end.
Product: Debt or credit management

I was using Credit Karma, they said my approval rate was outstanding/excellent to get a loan I followed through with submitting everything needed to the loan company only to be denied by XXXX XXXX for any amount at all. They basically baited me in with the word OUTSTANDING/EXCELLENT as my approval odds. I didn't receive the services they claimed I would. I also had a hard inquiry placed onto my credit for the next 2 years that no one seems to be able to remove for me now. This is 100 % false advertising and it seems like no one is willing to help me fix this situation. Companies like this need to be held accountable for their actions.
Product: Checking or savings account

I received a letter from Marcus by Goldman Sachs informing me that they were enclosing my account statement. The statement listed an account number and said there was a balance of {$1.00}. I have never opened an account with this bank. I called the bank and they connected me to their fraud department. They told me they would send me information if requested ; however, I must first file an FTC complaint and a complaint with the police. I went to the FTC website but was redirected here because of the nature of the complaint.