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

I am filing a formal complaint against Marcus by Goldman Sachs regarding unfair and deceptive banking practices, in violation of the Consumer Financial Protection Act ( CFPA ) and other applicable regulations. 

1. Unlawful Freezing of Funds Without Justification Marcus by Goldman Sachs has temporarily locked my account without proper cause, despite my compliance with their verification process. I have successfully verified the trial deposits sent to my bank and confirmed the amounts, yet my account was still flagged and locked, restricting my access to my own funds. 

2. Unreasonable & Unnecessary Document Requirements After complying with initial verification, XXXX is now requiring me to submit paper bank statements via mail, rather than accepting secure electronic delivery. This unnecessary barrier creates an unreasonable delay of at least 2-3 weeks before they even begin verifying my account, preventing me from accessing my money. This delay is excessive and unfairly restricts my ability to transfer or withdraw my funds, constituting a deceptive banking practice. 

3. Possible Violations of the Electronic Fund Transfer Act ( EFTA ) & Regulation E Marcus by Goldman Sachs actions may violate the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ) by : Failing to provide timely access to funds after verification. 
Implementing unreasonable delays that prevent me from transferring my legally owned money. 
Creating unnecessary barriers that could constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

4. Pattern of Similar Complaints & Concerns of Withholding Funds Upon researching this issue, I found that multiple customers have reported similar issues where Marcus by Goldman Sachs arbitrarily restricts access to funds, making it difficult or impossible to withdraw money. These widespread reports indicate a systemic issue of unfair banking practices. 

Requested Resolution I request that : Marcus by Goldman Sachs immediately restores access to my account and releases my funds. 
The CFPB reviews XXXX account freezing and verification policies to determine whether they are engaging in unfair and deceptive banking practices. 
XXXX provides a clear, reasonable, and accessible verification process that does not impose arbitrary delays or unnecessary document submission barriers. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company : Aargon XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX, NV XXXX XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), XXXX XXXX negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 or other personal consumer reports

I am writing to seek your assistance in removing fraudulent items from my credit report. Despite multiple attempts to resolve this issue directly with the credit bureaus and creditors, the fraudulent items remain on my report, severely impacting my creditworthiness. This is my request for intervention, and I am in urgent need of your help to rectify this matter. Despite these efforts, the fraudulent items have not been removed from my credit report. I have enclosed copies of my previous correspondence and all supporting documentation for your review. I respectfully request that you could investigate this matter and assist me in the removal of these fraudulent items from my credit report. Your intervention is crucial in ensuring that my credit report accurately reflects my credit history and that I am not unjustly penalized for fraudulent activities beyond my control. The following items should be remove as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; 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, HI XXXX ; XXXX XXXXXXXX XXXX  XXXX, HI XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 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 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 If the credit bureaus feel there is a possibility these items belong to me XXXX will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

XXXX XXXX XXXX  ET to XXXX XXXX  ET : Attempts to login to Citizen Bank App on XXXX reported : " LOGIN FAILED Your account is inaccessible at this time. Please try again later. 
CANCEL '' I contacted a representative using Chat on the web interface. I performed the following troubleshooting tasks : - Installed/uninstalled/installed app - Reset password - Confirmed able to login on XXXX XXXX XXXX XXXX XXXXXXXX - Confirmed able to login on XXXX XXXX XXXX browser After 15+ minutes on chat and 18:00+ minutes on the phone I was finally connected to a manager who informed me that there was a known issue with the app, and I needed to try again later. A functional support organization could have easily posted a notice to the website that the app was down and informed their support personnel. Instead, I had to go through pointless troubleshooting and long waits to finally be informed correctly. The customer support for Citizens Bank is terrible. 

In addition, the computing infrastructure and app should not be down during normal banking hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a loan with Ocwen Loan Servicing. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from Ocwen, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from Ocwen dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, Ocwen reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that Ocwen refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that Ocwen make a correction with the credit bureaus removing the late payment from my credit report. Ocwen refuses to do so.
Product: Debt collection

I have made several attempts to have this corrected. My credit file is being mixed up with someone else who has a similar name and social as mine. I mailed a letter asking Jefferson Capital Systems to verify the debt owner on XX/XX/XXXX. I never received a response, but it shows up on my credit with a note stating it meets FCRA requirements. I mailed a letter on XX/XX/XXXX requesting to see what information was used to verify the debt. I have not received any communication from Jefferson Capital Systems. It has been more than 30 days.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 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, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Account : XXXXXXXX XXXX XXXX- {$130.00}. Date Opened XXXX, XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Credit Corp has responded to credit dispute and still left late of 30 and 60 showing XXXX/XX/XX/2017. I filed bankruptcy in 2017 and was never late with Conns Credit Corporation. Please have them delete this from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper use of information. Did not provide authorization to share personal information with collections agencies.
Product: Student loan

I did not give Mohela and XXXX my phone number and I did not give them permission to call. They took over XXXX and I already filed a letter to let them know my loans were in my bankruptcy in 2015, and I have been ignored. At this point its harassment and causing me mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Inquired on XX/XX/2020 2020
Product: Bank account or service

I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x XXXX ).
Product: Credit reporting or other personal consumer reports

Hi One out of the Three reporting agency are still adamant about keeping a record of a bankruptcy that is not mine on my credit report! I have detailed info from the agency XXXX XXXX that originally had to remove this from their data base because they found no reliable information that linked the bankruptcy to me. After multiple failed attempts to have it removed from all three agency finally XXXX did comply, but the other two Transunion and XXXX has not. Now my last resort is to use this portal to try an get Transunion, XXXX to comply to the consumer Laws.
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. 

Company : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My information was impacted in the XXXX XXXX breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these accounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUnion a certified letter exercising my rights under FCRA 609 a ( 2 ) in regards to a public record listed on my credit file. I requested for TransUnion to send the information and all sources that were used in the investigation that was conducted when they came back and verified that the public record was accurate. The letter also requested the data furnisher information including if there was a third party that was used to verify. Well on XX/XX/XXXX TransUnion sent me a letter refusing to conduct a reinvestigation. They also denied my rights under FCRA 609 a ( 2 ). In the letter they listed the court house as the data furnisher but I know that this illegal information on my credit file because on XX/XX/XXXX the courthouse responded to a letter that I sent them in regards to furnishing this information on my credit file. The courthouse responded by claiming that they do not furnish information to any third parties or Credit Reporting Agencies. So why is TransUnion allowed to post the courthouse as the data furnisher when the court never supplied or verified the information with them. They are willingly reporting inaccurate information. They also have failed to provide me the real data furnisher who sold them this information. Finally The Privacy Act of XXXX prevents personal information from being included in Courthouse documents that are posted on the systems like XXXX. So this leads me to believe that they did not conduct a real investigation because they are missing key information like a social security number and birthdate to verify the information. I also never gave TransUnion the right to use my Social Security number or birthdate that is located in their systems to verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX/XXXX  JXXXX XXXX XXXX XXXX. I have contact the FTC and local police.