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

I have an account with Marcus Goldman Sachs. I tried to process a transfer on XX/XX/XXXX from a Marcus Savings account to a XXXX XXXX XXXX account. They deposited two small amounts to my XXXX account as a confirmation of the external link between the banks. A few days later they informed that I could not deposit funds in that account and asked if they should cancel the transfer. I said yes. A week later I was still seeing the transfer was pending. I contacted them again and they said that they decided they could deposit to the account. Nobody told me. So all three parties got on a call and they confirmed my account and told me the transfer was being processed. I checked several days later and still nothing. I called back yet again and they could not explain what was going on but I am still unable to transfer the funds to any of my accounts. I told them to cancel the transfer and to close my account. They asked funny enough which account I wanted the funds transferred to. I selected a different account and they told me it would take one day. I called back today as I still do not see any activity pending on my other account. Now they are telling me it will be three days more. I have no confidence I am ever going to see this money.
Product: Student loan

I submitted an employment certification form on XX/XX/XXXX to certify my employment for the Public Service Loan Forgiveness Program. I received notice today, XXXX XXXX XXXX that my form was a duplicate. However, my form is not a duplicate, I have only submitted one form ( XX/XX/XXXX ). I spoke with a customer service representative who confirmed that only employment certification form is on file ; she said they would process my form within 3 business days. However, the form status online provides conflicting information as it says to allow up to 90 business days for processing. This unfair as it is not my error that caused this issue ; I shouldnt have to start over again waiting up to another 90 business days for this company to correct their error. The timely and accurate processing of this employment certification form is extremely important to me as once it is processed I will have over 120 qualifying payments for the PSLF program and be a step closer to being forgiven.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Student loan

I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS
Product: Prepaid card

I want to use my Amex gift card that I received as a gift. Can not find any store or online merchants that accept this.
Product: Debt or credit management

this morning i opened the GM app to make a payment of XXXX ( 1 month and still owe one more ) I selected the ACH method of payment on file with GM. Red note said account not acceptable use different ACH account which I added then attempted again with same comment. 
I called GM XXXX  XXXX  department and they said to use debit card. XXXX weeks ago, our bank info through XXXX was hacked so we had to have new debit cards issued which i added to my profile today on GM website. I then made a payment of XXXX immediately on my phone a transaction from XXXX XXXX XXXX XXXX showed a withdrawal of XXXX. I did not error on this. This is on your end. I called GM XXXX department and the supervisor stated there was nothing he could do and that I would have to dispute through my bank. I have been with XXXX XXXX  for XXXX years and then confirmed the investigation could take up to XXXX months. 
I HAVE A MORGAGE DUE XXXXAND CAN NOT PAY IT! and told your department this. Still no resolution telling me there's nothing that can be done. 
The truck is pending sale next week and not only have they taken the one payment but three! Then to top it off it has always taken 3-5 days to process payment. Today I tried to delete the payment and the system said in the middle of up dates. They actually processed the payment same day!! Never has that happens before. I work at XXXX XXXX and I am putting them on blast to every XXXX I know!! They took a payment that was not even due yet! XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

First and foremost per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given DEPT OF EDUCATION/XXXX written , unwritten, verbal & non verbal per 15 USC 6802, 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 


When I signed up for my student loans I also signed a Educational Rights and Privacy Act form that says the school will NOT provide transaction history to ANY third party companies. 

BUT in fact my personal information is being shared to third parties WITHOUT my consent. 

The Family Educational Rights and Privacy Act 1974 ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 


Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 


AS YOU CAN SEE HERE YOU DO NOT SEE WHERE A CONSUMER REPORTING AGENCY LISTED to allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school.
Product: Student loan

I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!
Product: Mortgage

Wells Fargo carried our mortgage for four years, or 48 payment cycles. During one of  those, we experienced an issue with our checking account being hacked, and it happened to be the one our mortgage came out of automatically, making the payment late ONE TIME. 

We cleared the issue up by phone with Wells Fargo and got everything back on track, but my credit report STILL shows that one blip, and it is damaging my score.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX / XXXX XXXX
Product: Mortgage

During the course of attempting to refinance my home loan with a new lender I was advised that they needed a copy of the mortgage modification agreement so it could be reviewed by their under writers. I told them that this loan had never been modified and they advised me that it was listed as modified with all three credit bureaus. I confirmed this by reviewing my credit. I contacted my current lender on XX/XX/XXXX and advised them of the discrepancy. This loan has never been modified or altered from its original state. I have never been late or sought any type of mortgage relief. I was advised that they had purchased the loan and it was listed as being modified with the previous lender. I was advised that they would research the issue and correct the problem if they confirmed it was not modified. I have contacted my lender no less than 10 times by phone. I have been advised that a supervisor would contact me and they never have. I have been told that they confirmed the loan was never modified but they refuse to send me written confirmation that I can provide to complete a refinance. Each time I call I am told they will escalate the problem and contact me, but no one ever does. In the mean time I have lost my interest rate on my refinance and my home appraisal has expired. This is costing me literally thousands of dollars and no one seem to care.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX, I received a call from a person named XXXX XXXX Phone Number XXXX, claiming to represent Navient, explaining that the Navient Student Loan that shows up on my Credit report, is solely in my name and he is calling to offer a settlement. He said the loan is for {$23000.00}, it has been on my credit report since XXXX, and has been delinquent since. He explained that he would like to help me remove it from my credit report, by speaking with the higher ups in Navient, and negotiate a settlement of {$5000.00} dollars. I explained to him that I did not go to school during that time, though I co-signed a loan for my daughter that the loan that I signed she is paying, and that the loan showing up on my credit must be fraudulent, or not to with me at all. My daughter 's loan I Cosigned is current, and because this loan on my credit does not show her name, I am under the impression it has nothing to do with me, and mistakenly on my Credit Report. I was a cosigner to her loan, so her name would appear on the loan on my credit report, but it does not. 
If in fact this XXXX XXXX is from Navient, I am being harassed, because there was no corresponds sent to me, just him asking for $ XXXX. Besides, if Navient was trying to settle a loan, it would be between them and my daughter not me. She was the primary on her loan. Also, in a document on their site Navient stated that if she made XXXX consecutive payments, she could remove her cosigner from the loan. My daughter made XXXX consecutive payments and they refused to remove me as cosigner from her loan. This loan on my credit is not my loan, and it should not be on my Credit Report. 
Perhaps it belongs to someone with the same exact name, because I did not apply for a loan from Navient.
Product: Credit card or prepaid card

On XX/XX/2022. Someone hacked my cash app account through my device that was stolen. A total of {$7000.00} was taken from my account, after that I explained to cash app that my device was stolen and its saying the Login was through Texas. I am not based in Texas. They sent me a response the very next day stating that the dispute is closed. Cash App failed to properly conduct an investigation and didnt guarantee the safety of my money. {$7000.00} was uploaded in increments of {$500.00}. I explained to cash app that if they dont cooperate I will be forced to take legal action. Once I replied they responded Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the XXXX XXXX, have been permanently disabled My account was disabled for requesting my money that was stolen because they didnt have any protocol to protect me. Cash App has conducted negligence on many levels. I asked numerous amount of times what did I violate and nobody gave me an answer. The company also went out their way to make my account negative. How do I have a negative balance for something that is their fault. They shut down my account and refuse to give me back my money. I will not pay cashapp for their wrongdoings. They also removed all of the transactions that showed they allowed someone to remove a great amount of money from my cashapp.
Product: Student loan

I have a private student loan with Sallie Mae and try and try to lower my payment, they say they understand but still tell me that they can not lower my payment to something I can afford and do not default on. I have told them that I have other student loan to pay and I am not refusing to pay I just want to get a handle of paying an amount that I can afford and they are not listening and trying to help me. Most of the month of XXXX, the amount vary it was XXXX and then XXXX and XXXX. They will only take initially card payment and I did that before and they told me they will only take 3 payment and then take my card of my account and that did not happen and I didn't authorize for them and they took it out anyway. I am trying to get a better job to pay off my student loan but with this pandemic it's hard and Sallie Mae is not making it easy for me.
Product: Debt collection

Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; XXXX indicates this is multiple accounts and list only XXXX. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following - 15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

I missed a payment on my card and the collections department began calling the day after the due date. On XX/XX/2023 they left a message on a message identifying themselves as a Debt Collector. I believe this disclosure without verifying who they were talking with violates the FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit on XXXX XX/XX/year> & XX/XX/year> an i did not approve for them to run my credit ALSO ALLY FINANCIAL RAN my credit on XXXX i did NOT APPROVE OF THEM TO RUN MY XXXX
Product: Checking or savings account

I was involved in an internet scam that took place through our Wells Fargo Bank accounts ( checking, savings, credit card ). It started in XXXX of XXXX when I commented on a country and western singers XXXX page. The scammer responded as the singer and asked that I set up a XXXX XXXX account to continue our correspondence. 
This individual gained my trust and manipulated me into giving details about myself, including my SSN and banking information. 
In the beginning, I was convinced to pay a security expert to clean my information from the dark web. I withdrew {$120000.00} from my Wells Fargo IRA account and sent them {$100000.00} after tax money. He wanted to make sure I was protected. 
The activity on the credit card was done entirely by the scammer, totaling approx. {$47000.00} ( including interest and fees ). Any payments that were made was an attempt to keep the credit card active, including the payments that bounced. 
He told me a story that his attorney and financial assistant were responsible for stealing from my credit card, that they were arrested and put in jail in Florida. He also stated that they had been stealing for years. He assured me that my credit card would be paid off by the loan he was getting from XXXX XXXX. 
He convinced me that he needed money for more streaming upgrades and that his dog needed an emergency surgery. The vet would not do the surgery until he gave them {$15000.00}. 
Even though my husband was on our Wells Fargo account, he banked at a local credit union in another joint account. He had no knowledge of this scam until I started withdrawing over {$40000.00} from our XXXX  checking and saving accounts in XX/XX/XXXX. 
Including the Wells Fargo credit card, my husband and I are out over {$210000.00} of our retirement savings. 
This brief synopsis doesnt come close to all the dealings that that took place ; the credit cards and bank accounts that were opened at his request, not to mention the amount of money laundering that took place through my Wells Fargo accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting on my credit report for my XXXX XXXX  card account I have never been late on any payments, yet my credit report shows discrepancies that are not accurate. 

Attached are screenshots showing the inconsistencies in the reporting. Given the inaccuracies, I request that the entire account be removed from my credit report. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card was issued in XXXX of XXXX, closed in XXXX of XXXX Credit report is showing a balance due of {$730.00}. They have an incorrect street address listed for somewhere I have never lived. I have reported it as fraud to their department, but their investigation found no fraud. I have never had a XXXX XXXX Credit card or charged anything to their company. This fraudulent charge has been damaging my credit score for almost XXXX years now. I have disputed the charges through Experian and filed a fraud report with the FTC, Report Number XXXX. XXXX XXXXXXXX XXXX fraud department has failed to find any wrongdoing on their part, but they are unable to name anything that was actually purchased with the card or provide the address where the card was issued.
Product: Checking or savings account

I deposit a large amount of money i won from a worker comp case in the amount of, XXXX ON XXXX XXXX,2016 ii need to be secure in knowing i did n't get erorr on this account.