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

Goldman Sachs Bank USA did not respond to the CFPB complaint ID XXXX filed on XX/XX/2020. The only message I received was " The company can not respond to this complaint, '' which is unsatisfactory. Please respond to this complaint properly and professionally. 

My Online Savings account with Goldman Sachs Bank USA ( under the brand name XXXX ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called XXXX Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
Product: Credit reporting or other personal consumer reports

Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/year> by still reporting under the account number w/ Derogatory remarks with late payments
Product: Debt collection

a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Collection {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX Collection {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy Account # 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 a account without my written instructions
Product: Student loan

As excited as we were when our son just graduated college XX/XX/XXXX, we knew it would be just around the corner before the heavy burden of student loans approached. While he did find a job in his field in Tennessee, his salary is quite low and is enough to rent a decent apartment and take care of his day to day expenses. His loans will come to fruition XX/XX/XXXX but the correspondence has started coming in. He owes {$35000.00} to XXXX on subsidized and unsubsidized loans which he hopes to get assistance with based on his salary. We as parents owe an exorbitant amount in Parent Plus loans which assisted with his education and my husband is currently unemployed. Last but not least, my son ( I am his co-signor ) owes {$62000.00} in what we thought were federally backed up loans with Sallie Mae. My husband and I are also in high credit card debt, high interest rates ourselves and living on XXXX salary so needless to say we are scared to death of what lies in the future for our son and for us. When calling Sallie Mae today to talk about possible payment arrangements since we thought they were government backed loans, we were shocked to hear that there were no programs available to help students and that all of his loans were private which we totally did not know. They are an incredibly non transparent lender and we feel that they are predatory lenders at that. Financial ruin for both my son and us is in the future based on what we owe and the accruing interest. The only program offered was there {$150.00} fee every three months to put loans in forbearance with accruing interest. We were shocked. I 've read horror stories on Sallie Mae and there is no financial future for our kids or parents because of this. Why are there no programs for Income Based Repayment and Pay as You Earn to cap borrowers ' monthly payments relative to their income? Why does n't Navient step in to assist with these private loans as well? My husband and I are not stupid people, but there was never any lead to indicate that these were private loans. My son will not make it even if he gets forbearance ( that is just a stalling mechanism ). They make so much money from the loans that XXXX is servicing for them. Why ca n't they help the borrowers? How is a milleniall supposed to work towards financial goals and parents towards retirement goals. They charge credit card-like interest rates amongst a multitude of other problems. As I said above, most people think of Sallie Mae as a purveyor of federally-backed students loans with low, government-mandated interest rates, regulated deferred payments and hardship programs or waivers. They are blurry in their representation and we are so so disappointed and scared of what 's to come. Someone has to step in and do something. Our kids should not be penalized for wanting to get an education. Your help and advocacy would be most appreciated. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In late XXXX of XXXX  I closed my account with XXXX XXXX. In late XXXX I received a card from XXXX XXXX XXXX  and I called to again advise them the account had been closed and was not used whatsoever. They apologized for the error. 
In XXXX of XXXX, I was advised by Trans Union and XXXX that I had been marked with an overdue payment from XXXX XXXX XXXX. I contacted XXXX XXXX immediately and they told me they would correct the error. I also submitted an appeal to Trans Union and XXXX regarding the incident to correct my report. They have advised I must submit a complaint to CFPB along with supporting documents of this concern. This error has had a substantial impact on my credit score affecting job applications and financing to the negative in my character. 
Primary points 1 Card was cancelled and paid in full in XXXX of XXXX. 
2 A New card was issued without my request or authorization and has never been activated or used. 
3 XXXX XXXX charged me a fee and interest which I protested and they did in fact make the adjustments, however, they did not correct the late charge reporting with credit reporting agencies. 
4 Trans Union has opened an appeal on my behalf today, with a request to report the incident to CFPB and send them a copy of the complaint by US Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Credit card or prepaid card

I tried to send them a letter last XXXX asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/NY & CO is violating the CCRAA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.
Product: Credit reporting or other personal consumer reports

Back in XXXX Trans Union XXXX XXXX and XXXX were reporting this XXXX XXXX XXXX account in collections with XXXX XXXX XXXX. 
It was disputed back then and removed. Recently XXXX XXXX bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as XXXX XXXX has now verified 3 times over. XXXX XXXX is intentionally manipulating crucial information, which has harmed my credit score. This is intentionally done and TU. XXXX and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all XXXX agencies once and for all. XXXX XXXX should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS XXXX XXXX  ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
( see attachment )
Product: Debt collection

Hi, On XX/XX/20 I contacted Amsher to settled a debt. On my credit report due to buy a home. I spoke to several persons before u spoke to the manager XXXX XXXX. During the time XXXX and I were on the phone she sent me an offer letter in which the balance was {$420.00}. I sent a pay for deletion letter and XXXX confirmed she got my letter and I submitted this payment immediately. On XX/XX/20 I received an notification from the credit bureau that my file was updated for a new balance of {$410.00}. I called XXXX immediately and the representative stated she never told me she would delete this information. I think I was very misled and lied to and that is very unethical. Please looks to this matter. I do have emails to prove this took place. Please look into this matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Business Account XXXX  XXXX  ( Account No. XXXX ) Dear XXXX, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame. 

TILA Violation : Under 15 U.S.C. 1640, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX  XXXX  account ( Account No. XXXX ) from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.
Product: Credit card

IN XX/XX/XXXX I VISITED XXXX XXXX OF XXXX IN XXXX FLORIDA. I PAID DIRECT OUT OF POCKET YET BORROWED {$3600.00} AS A DOWN PAYMENT. INTEREST FREE FOR XXXX YEARS. 
I CHECKED WITH MY BANK AND MY PAYMENTS FOR XXXX ARE {$1000.00}. FOR XXXX THE TOTAL AMOUT IS {$1200.00}. AND FOR XXXX IS {$340.00} THUS FAR. ALL XXXX  TOTAL {$2600.00} LEAVING balance of {$940.00}. 

ALPHAEON COMENITY BANK IS UNDER BREAD FINANCIAL. WHAT THEYRE DOING IS CHARGING BACK FROM THE ORIGINAL {$3600.00} AND ARE EXPECTING {$1200.00} FROM LAST ( XXXX ) MONTH N INTEREST THAT COMES TO {$280.00} AND NOW ARE EXPECTIG ME TO PAY {$2500.00} FOR MONTH OF XXXX. ITS LIKE PAYING THE WHOLE AMOUNT XXXX. THE INTEREST FEES THEY'RE CHARGING ME ARE EXHORBITANT AND ABSURD. 

IN XXXX OF THIS YEAR MY MOTHER WENT TO THE HOSPITAL, I GOT SICK MY DAD GOT SICK AND LANDED IN THE HOSPITAL. SO, I MISSED THE DEADLINE TO PAY OFF THE BALANCE OF {$940.00}. 

THIS BANKING INSTITUTIOIN WAS OFFEERED THROUGH THE XXXX XXXX OF XXXX. ALSO, I HAD CHARGES ADDED ON THE ACCOUNT ( XXXX XXXX {$250.00} & XXXX XXXX {$99.00} ) AND WAS TOLD I HAD AN EXTRA XXXX ( XXXX ) MONTHS TO PAY IT OFF. WELL, THAT DID NOT HAPPEN. I WAS ADVISED WRONG BY THE DENTAL PRACTICE. I ALSO PAID OUT OF POCKET EXPENSES BECAUSE MY DENTAL INSURANCE ( XXXX XXXX ) MADE EXCUSES AND DID NOT PROVIDE ME WITH A BENEFIT I WAS ENTITLED TO. 

THIS BANKING INSTITUTION, BREAD FINANCIAL ARE CROOKS. THEY NEED TO BE INVESTIGATED, AND OR PROSECUTED AND FINED FOR THEIR BAD BUSINESS PRACTICES. FINALLY, ALL MONIES SHOULD BE RETURNED TO THE CONSUMER FOR OVERPAYMENS. 
. 



.
Product: Money transfer, virtual currency, or money service

I initiated a request to move all of my Ethereum from my vault to my wallet with the intention of selling on XX/XX/XXXX. At the time, the value of my investment was almost {$10000.00}. Coinbases delay has caused me significant losses ( approximately 40 % ). I never received a secondary confirmation e-mail from Coinbase, so Ive been unable to finalize the withdrawal.

I called Coinbase on XX/XX/XXXX to have a ticket opened on the issue, and was told it had been escalated to the highest level possible, and that details were included. The representative did not add any level of detail, even though they said they could see the issue was coming from a glitch within Coinbase. I then went in on XX/XX/XXXX to add the additional detail so the issue could be resolved. 
On XX/XX/XXXX, I still hadnt heard back, so I called again. This time, the representative stated that due to a backlog, it would likely be several weeks before I heard anything back from the company, and additional time to resolution. I find this completely unacceptable every day Im unable to withdraw, I am losing money. This has caused me a great deal of personal and financial stress to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for purpose.
Product: Student loan

I have been on autopay for my XX/XX/XXXX loans since I began paying them in XXXX. During the payment pause for the COVID crisis, my loan servicer changed from XXXX to Aidvantage. During this time I received multiple emails stating I should update my autopay information to let them know I wanted to continue with autopay once payments resumed. I unfortunately do not have dates for these emails and when I completed their online form, which was at least twice, because I had no reason to believe they would cancel my autopay. When I did complete them, there was no confirmation that the form was completed, nor were there emails stating it had been completed, so I had no way of knowing whether or not it worked. My XXXX statement looked normal, and I received an email on XX/XX/XXXX stating that my payment had posted. I also received an email on XX/XX/XXXX stating that my XXXX payment is " all set with auto pay. '' However, Aidvantage had actually reversed my XXXX payment without telling me they had done so. They then cancelled autopay and did not notify me of this until XX/XX/XXXX. I have attached all emails from the date the XXXX payment should have gone through, as well as a screenshot of the reversed payment, which I did not discover until Sunday, XX/XX/XXXX after seeing that my XXXX payment due was higher than usual. You will also notice that I made a payment in XXXX before payments were due because I wanted to give myself the extra month to adjust for getting used to them starting up again. I am not someone who doesn't pay my bills, which is reflected in my credit score and makes this situation that much more infuriating. Most of my bills are set up for autopay to avoid this very thing, and this one should have been too.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, "
Product: Credit reporting or other personal consumer reports

Please remove the unauthorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct e reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights a consumer.