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

Marcus by Goldman Sachs, wouldn't issue a charge back to ACH transactions that were initiated based on fraudulent marketing tactics by XXXX. 
Marcus denied my case as soon as I submitted the ACH dispute. They repeatedly told me many times that they don't need any documentation to investigate my claim! I had to put in the claim about 4 times, and called multiple times to ask them to actually investigate the dispute properly! I finally was able to get them not to deny the dispute before I send my documentation in. I sent Marcus a lot of documentation involving the deceptive techniques used by XXXX, along with all the complaints I submitted to multiple government agencies. Even then, it still didn't matter and the dispute was denied. I called in to ask for my legal right to receive a copy of the documents that they based their decision on. I received a call telling me that there is no documentation to share and that the decision was made internally and involved their legal counsel! I had to negotiate my legal right with them over the phone, and then received a denial letter again stating that the ACH was authorized, hence they won't help me! 
When I mentioned the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Marcus reps told me that it does not apply to my situation. After reviewing your website under Q1 of the Error Resolution : Unauthorized EFTs, titled What is an unauthorized ETF, I find that my dispute should be covered by Comment 2 ( m ) -3 ; specifically, " This exclusion does not apply to transfers initiated by a person who obtained a consumers access device through fraud or robbery ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has closed my account over {$10.00} I received via XXXX from the person I know. Receipment day was XX/XX/2023 XXXXXXXX XXXX When I contacted to this person ( owner of XXXX XXXX ) he said he was traveling in XXXX and his phone got stolen. The people who stole his phone they hacked his bank account and took his money out via XXXX to themselves and at the same time to cover themselves they sent out XXXX $ transactions to people on his XXXX list XXXX Bank of America deducted that {$10.00} from my account and closed my account at the same time they left fraud alert on my report now Im not able to get an account with any other bank in the community,
Product: Checking or savings account

Every time I use my debit card or make a payment it goes so long to go through and then it will seem like I have enough money in the account and then all the sudden it doesn't. I feel like they've been taking money out and I can't keep up with it because it goes so slow to go through
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Mazda Financial Services XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Inquiry Regarding Suspected Fraud Dear, Financial Services I am writing to formally inquire about a matter that I suspect may involve fraudulent activity related to my Credit Report with your company I did not apply for any services with your Organization. I did not give oral or written consent for your company to access my credit report. Under the FCRA states that only businesses with a legitimate reason to check your credit report can do so, and generally you have to consent in writing to have your credit report pulled. I have recently noticed suspicious activity, e.g., unauthorized transactions, changes to my credit report, etc., which has raised my concerns regarding the security of my account. 


Please treat this inquiry with urgency, as I am concerned about the potential implications of this situation. I would like to ensure that my account is secure and that any fraudulent activity is addressed promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX 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 XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Debt collection

We lived in apartments in 2013. I was 7 months pregnant and our ac was broken. We called maintenance everyday. they kept telling us it was fixed and it never was. We told them we were going to call code on them. They told us we could move out and not to call code and they would give us something in writing and never did. We moved out and they did n't put it on our credit report for 2 months. We found out that the apartments were sold 2 months after we moved out. We have contacted the current owners and they say they have nothing on us. They told us they may have sold the debt to Quality Recovery Services. We were never notified that this was being placed as a debt. They only reason I found out is because I checked my credit report. Also I have disputed this on XXXX and I sent them a paper requesting documentation of who the managers were, who they maintenance workers were, who owned the complex, ect. I have not received any documents from them telling who they were. They have now put this on our credit report XXXX times. XXXX for the XXXX of XXXX and XXXX for the Quality Recovery Services.
Product: Money transfer, virtual currency, or money service

This complaint against Cash App ( Block , Inc. ) is due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). In particular, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions cause significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Debt collection

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit card or prepaid card

I opened a dispute with Bank of America on a transaction I was forced to take with a home appraisal and wasnt given any time to check the work only to find out nothing was done. The Bank of America took a statement from the appraisal that had nothing to do with the transaction and closed the dispute. No reasonable investigation occurred. The transaction was to force the seller to fix the sink ( no leaks or functional issues were present before or after ) then charge me for reinspection. Come to find out they charge me XXXX and nothing was fixed. Not a quality issues. Services were never rendered. When asked to reopened the investigation, they said they would but never did. When I told them I had proof nothing was fixed they said they wont receive it.
Product: Credit reporting or other personal consumer reports

I called into Experian to get results on a complaint and they changed my middle name from XXXX to XXXX without my permission. I called back and they refuse to change it back to XXXX. I do not use XXXX as my legal name. I use XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I disputed XXXX XX/XX/XXXX transactions totaling {$220.00} via live telephone call at the conclusions of which I Was told that my account would review a provisional credit in XXXX to XXXX business days, with the credit to be subsequently either made permanent or disavowed based on the banks investigation of the disputed transactions. 

Similarly on XX/XX/XXXX, I disputed XXXX unrecognized transactions from XX/XX/XXXX for total of {$250.00}. I have yet to receive any credit to my account, provisional or otherwise. 

Based on discussions with others who bank with Wells Fargo, the bank provides immediate credit for disputed transactions, so the fact that they do not offer the same to me seems highly discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal and XXXX  are still reporting XXXX old Navy Federal accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after XXXX years. On XX/XX/XXXX it was officially XXXX years so these accounts should be deleted. These are Navy Federal account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from XXXX since XXXX years has passed on XX/XX/XXXX. XXXX and XXXX  have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with XXXX. I hate dealing with XXXX they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX  and XXXX  but not for XXXX? XXXX is not following the law and reporting incorrectly. When I dispiute with XXXX they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is XXXX XXXX XXXX as as of XX/XX/XXXX. So is it that XXXX  thinks they can do whatever they want and report different? Why there always problems with XXXX I don't have same problems with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, XXXX, & Jefferson Capital Systems. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, XXXX XXXX, XXXX not Jefferson Capital Systems have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Product: Debt collection

They call me multiple times a week. They also call my husband even more leaving voicemails threatening legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the incorrect information listed for XXXX XXXX XXXX XXXX with each of the three bureaus. Each reports the information as verified ; however, each is reporting different information ( all of which is inaccurate ). I have contacted XXXX  to request a payment history and have submitted that to the bureaus. The actual payment history and balance vary greatly from what the bureaus report as accurate, but they continue to report this information as correct. Two bureaus report that a monthly payment of {$380.00} is due. This account has been closed since XX/XX/2016. This inaccurate information is extremely detrimental to my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. Bankruptcy Court Important dates Original filing dateXXXX  XXXX XXXX XXXX Latest status dateXXXX XXXXXXXX XXXX Additional details Reference numberXXXX Record typeXXXX  XXXX bankruptcy discharged CourtU.S. Bankruptcy XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX  Removal dateXXXX XXXX  Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Product: Student loan

In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX   XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX  XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan. 

After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's. 

On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility. 

There are several issues here : 1. ) I provided my address to XXXX University when I moved. 
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer. 
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address. 
4. ) XXXX had my correct email address on file.

5. ) XXXX never used my correct email address.

6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on XXXX, credit reporting agency, my account with Triad Financial Services was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from XXXX. XXXX  has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. Triad Financial Services also refuses to correct this inaccurate information. My account was closed with Triad Financial Services @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. Triad Financial Services has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but XXXX & Triad Financial Services refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with XXXX, they lowered my credit rating from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received a letter claiming that I owe a debt to the fraudulent accounts listed below. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. I DEMAND THESE FRAUD ACCOUNTS BE DELETED IMMEDIATELY 1. The original application or contract.

2. All statements allegedly related to this debt.

3. All signed receipts.

4. All cancelled checks. 
Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail. 
XXXX XXXXXXXX XXXX- ( XXXX ) : Identity Theft XXXX XXXX XXXX XXXXXXXX- ( XXXX ) : Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX XXXX- ( XXXX ) : Identity Theft XXXX XXXX XXXX- ( XXXX ) identity Theft
Product: Mortgage

The company continually fails to address the reason for my complaints with them. 
Upon filing my first complaint against PennyMac, XXXX quickly called to address. She overly apologized on behalf of the company, implied suggestions of sweeping changes, however nothing was followed up. She simply is there to defer the situation and sweep their failures under the rug. In the process of an open application, should it take 6 attempts to reach someone??? Why will XXXX not acknowledge or address this??? She has listened to all calls and reviewed all emails. Is it negligent to have passed not properly reviewed my financials and double counting a mortgage and auto payment. XXXX calls this a " Complex '' review? She stressed it as she used " Complex '' twice to explain how the PennyMac team works. Why is it that the first negligent loan officer finds my debt to income to be 77 %, after a week of trying to reach someone to understand what they were reviewing, another finds 55 % ( see my retaliation Complaint against PennyMac ), but all others find it to be 35 %??? 
XXXX 's only position is to defer the situation and pretend she is to make changes in the company. It appears that she has no control of this and didn't even know if the initial loan officer still worked there. Doubt he was reprimanded even.