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

I opened an account through Marcus Goldman Sachs for a high yield savings account. I transferred a sum of money ( {$9400.00} ) in and attempted to transfer some out a few weeks later which resulted in the lock. This was my own mistake and I shouldnt have done so so soon after opening an account. However, I called asking how to unlock, they let me know they needed to verify the linked bank account as mine and I could do this by sending them a bank statement from the linked bank account with my information on it. I did so, this all happened XX/XX/XXXX and it is still locked to this day. I called them twice more asking why it is still not unlocked since then as I assumed they get a lot of mail and paperwork to go through so I gave them time to get to mine, the last time we spoke was in XX/XX/XXXX, they let me know they would open the letter with my bank and info on it within the next couple days after and send me an email or call with more information and this never happened. The money is still locked up and any attempt I make to take the money out it is redirected to just wait longer for them to get to my information to unlock it. It should not take a year for this to happen as it is not also XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX XXXX XXXX are not maintaining reasonable procedures. " I XXXX XXXX XXXX the consumer never recieved this loan credited to my account on my behalf to fulfill the obligations due to me upon signing the ( Promissory Note/Deed of Trust/ Entitlement Securities with UXXXX XXXX XXXX XXXX ) contractual offer. XXXX XXXX XXXX HAS BREACHED OUR CONTRACT AND I DEMAND A RELEASE OF MY SECURITIES AND PROCEEDS ON THIS SPECIFIC ACCOUNT OF MINE.
Product: Debt collection

I checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.
Product: Credit card or prepaid card

Hi, Dated. XX/XX/XXXX I am filing a complaint about Capital One Credit Card XXXX. I requested my Billing Statement in the mail from them recently, just to see how much I owed because, I noticed how something just didn't seem accurate, come to find out searching through the statements it said on one of the transactions, a bill of {$960.00} and {$55.00} from XXXX XXXX XXXX  dated XXXX, XXXX for both amounts, also the same exact bill on XX/XX/XXXX It clearly states on the statement, Transaction Rebill. 

I have called XXXX originally before contacting Capital One and they said the error was with Capital One and not them. I am getting the run-around from one business to the other. 

When I called Capital One, they saw exactly what I told them about the rebill and told me there is nothing they can do about this, therefore, they are still charging my account. 
Furthermore, they have restricted my card permanently, and I guess because I am refusing to pay. 

They are saying that I owe another {$830.00} as of XX/XX/XXXX. I guess they are trying to recover funds that were lost during the Pandemic and trying to recover that by rebilling some accounts, because I asked a second time why that happened, and they didn't know what to say they kept connecting me to a different department of persons within the company. 



I have talked to them today, XX/XX/XXXX, and still haven't resolved not one thing. 
Please assist me with this problem. I do not want this to affect my Credit. 

Thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an account listed as AMERICAN CREDIT ACCEPTANCE on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the XXXX  account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called XXXX on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
Product: Mortgage

I received a notice from SLS regarding its intention to foreclose on my home located at XXXX in XXXX GA. Included in the package was an application for alternatives to foreclosure which I completed and submitted. I then received a notice indicating that the property would be sold at auction on XX/XX/2016. 
I was told that I did not qualify for a modification because I had XXXX done during the past five years but would be considered for other programs. Meanwhile, I kept receiving requests for additional information to be part of my application. I submitted the requested documents and more requests kept coming in. I submitted the documents and was told that the sale would proceed as scheduled. 
After the sale date, I contacted SLS to find out the status of the property. I was transferred to various departments within the company until the phone eventually went dead. I could not determine what happened to the property. Finally, I received an eviction notice and moved out of the property. 
Earlier this year, I received a XXXX for debt forgiven in the amount of about {$130000.00}. I could not understand the document and called SLS to obtain an explanation. It was at that point that I learned that it was a short sale and not a foreclosure. I was told to submit my request for an explanation in writing which I did. I then received a letter indicating that I sent the request to the wrong address. I did not physically mail the letter but used an email address that I received from SLS. SLS indicated that they would respond to my request but have not done so to date.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from comenity bank and they are putting my account on hold for pending closure but I didnt report any fraudulent charges on my dell pay account and I dont use this account that much. And they couldnt verify my phone number I explain to them I had this phone number for 5 year and it not a new number. Im not sure why they cant use my phone bills and my driver license for verification. Now its under review by another department. 

XXXX Dell pay account number
Product: Debt collection

I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " system temporarily unavailable. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that Equifax 's system successfully processed the dispute. When I went to dispute an additional item, the system timed out with the same error. The only subsequent information Equifax 's system would allow me to dispute without timing out was placing a statement on my credit file. That is attempts to dispute any material items beyond the initial two ( 2 ) items appears to be explicitly blocked. 

What this means is that Equifax is limiting the amount of the disputes any individual is allowed to dispute within an unknown period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. Equifax appears to be regulating the information that an individual may dispute by first passing the infrmation through " ai.equifax.com '' before the system will process and accept the dispute. Any mention of COVID19 or SARS-CoV-2 as a part of a dispute appears to be rejected by the system -- even if in the personal statement. Thus, Equifax is controlling my right of notice and opportunity to be heard and is effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.
Product: Prepaid card

I have an American express gift card and seen that my balance after using it was lower than what it should have been. I went on the American express gift check your balance website and seen that there were XXXX identical transactions made on XX/XX/2016 each for the amount {$100.00} that I have not made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, Experian and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, XXXX and Experian. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX  XXXX dismissal date as of XX/XX/2012.
Product: Debt collection

I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports. This has caused me to be denied for credit, apartments and loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see activity that is unauthorized. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report and inaccurate information on my account. This information is and not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX + All Banks XXXX & XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX & XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX  XXXX. 
( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Television & Radio EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Thanks in Advance
Product: Prepaid card

I received a Prepaid {$100.00} XXXX card as an award/incentive from my job on XX/XX/XXXX. The prepaid card is a XXXX card through Prepaid Digital Solutions. On XX/XX/XXXX, I redeemed the card and was sent a confirmation email from Prepaid Digital Solutions with details on how to access the card. I spent the full amount of the card prior to the card expiration date. Recently, on XX/XX/XXXX I was issued a refund of {$68.00} to the prepaid card for a past expense. I called Prepaid Digital Solutions on XX/XX/XXXX to have them either issue me a new card for the refunded amount or send a cheque ( as many other prepaid cards will after an account is closed and a refund is sent to the closed account ). The service representative repeatedly said any " unused funds left '' on an expired card are " forfeit ''. However, I pointed out these were not " unused funds '' left on a card but a refund returned to an already expired card. After specifying the difference, the service representative said they could not help me. I asked to speak to someone who could help me or a supervisor, and they said I would receive a call back 4-6 business hours later. They have not called back. Today, XX/XX/XXXX, I called back to review my issue and ask to speak to a supervisor and they said a supervisor could not help me either. 
If I had known they would steal the refund, I would have opted for a credit with the merchant rather than agree to a refund. Prepaid Digital Solutions is refusing to release my refund amount to me, even though these funds were not " unused prior to expiration '' as described in their terms. If Prepaid Digital Solutions won't release left funds after expiration of a card, they should not accept refunds to expired cards either. This is extremely unethical. The refund should not have been accepted and they are refusing to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto XXXX checked my credit for the purchase of my vehicle back in XXXX XXXX which was a hard inquiry on my credit file, but when I checked my credit I noticed that this company has placed XXXX different inquiries on my credit file dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all for the same attempt to purchase. I did not give consent for them to place XXXX hard inquiries on my credit report and by law this company is in validation of the law
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was closing on a house and waiting on wire transfer instructions from my attorneys office. I sent two transactions for a total of XXXX to XXXX XXXX in a Wells Fargo account. On XX/XX/2021 I was called into my attorneys office to review the wiring instructions and after reviewing said instructions it was brought to my attention that the wire instructions were fraudulent. We immediately noticed XXXX bank and XXXX XXXX and reported the scam. Several days later XXXX Bank informed me that my money was being held in a frozen account in Wells Fargo and that the scammer never got a single XXXX. XXXX XXXXXXXX and XXXX bank have been working tirelessly trying to recall my money, to no avail. Wells Fargo hasnt replied to any messages or phone calls from my banks since the beginning of this incident.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( 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 7 years XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  Account Number XXXX