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

I purchased XXXX XXXX treasury bills. When treasury direct went to pull funds from my Marcus by Goldman Sachs account on XX/XX/XXXX, they were refused by Marcus. Marcus by Goldman Sachs bank never sent me any notifications that my account was frozen.

I then attempted to send funds out of my Marcus by Goldman Sachs saving back to my linked XXXX XXXX checking account, and that too was denied. 

I called Marcus by Goldman Sachs on XX/XX/XXXX and after XXXX hours on the phone, they said they couldnt confirm my identity even though they had my correct phone #, correct last XXXX digits of my SS, and my correct password when calling in. 

Ive read multiple reviews on XXXX and other websites of people that have same complaints about Marcus by Goldman Sachs. If Marcus by Goldman Sachs sees youre taking money out of your account they will freeze it. This is my money in a savings account that I have the right to access anytime. 

What Goldman Sachs is doing to their customers is unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the two attachments that consists of correspondence. They specifically address what the request is. The company sent a form letter stating that the request was handled, but XXXX in their Customer Service department verified that it was not taken care of after all! 

This is a credit card company ; the vast majority of credit card issuers report to the credit bureaus for all users on the account, whether that person is an account holder or authorized user. This company, for some reason, will not report for an authorized user! Why are they different, and what gives them a right to be?? 

PLEASE NOTE : I have also tried to get XXXX XXXX involved, as it is their credit card. With the exception of XXXX getting my correspondence to the right department, they have totally ignored us and have not helped at all despite three requests!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  I was sent {$550.00} USD from XXXX XXXX XXXX XXXX XXXX from her cell phone XXXX XXXX to my cell phone XXXX XXXXXXXX. At the time of the transfer, only my email address was enrolled to receive funds from XXXX. At the time of the transfer, I received a text message from XXXX ', which I have attached, indicating I have received funds. Therefore, I followed the link in the text message to accept funds and enroll my phone number ... which I did. It's now been XXXX calendar days since the transfer was made and I still do NOT have my money. I have confirmed with the sender, XXXX XXXX XXXX, that her XXXXXXXX XXXX account has- {$550.00}. Furthermore, she opened up a case with XXXXXXXX XXXX and their position is the funds have been removed and the transaction is complete ( can not cancel ). On the flip side, I have confirmed with Wells Fargo that they have NOT received funds, nor are they in a " pending '' status. After my third attempt to confirm status with my bank, Wells Fargo, I opened up a case with XXXX XXXX in the Exec Relations Escalations Dept and have attached his last communication. Basically, XXXX is claiming that XXXX XXXX has to check status ... which we already have done. All in all, XXXX XXXX wants us to contact Wells Fargo and Wells Fargo wants us to contact XXXXXXXX XXXX This game of cat and mouse is getting really old and I'm positive XXXX of these financial institutions has broken a law or XXXX regarding XXXX 's.
Product: Debt collection

Schuerger Law Group contacted my employer regarding a debt on XX/XX/22. 

I called and spoke with XXXX XXXX 's from Schuerger that same day. I informed XXXX XXXX 's that he was not to call me or my employer, and that the debt was past the statute of limitations. XXXX XXXX 's disconnected the call. 

I emailed Schuerger at their public email to reiterate my request that they cease contact. 

They have since persisted in their harassment by calling other coworkers at my employer.
Product: Money transfer, virtual currency, or money service

PayPal blocked my access to my account and my money. Without any agreement with me they created some additional obstacle to prevent me the access to my account and my money. PayPal made up the false request in order to let me access my money I have to provide the credit card number that I do not use and do not have with ending " XXXX ''. Print of the page is attached. When they provided another option to get a code on the phone it was also failing, didn't send a code claiming that something went wrong. It was set up to fail that it didn't work either. I conclude that they intentionally locked my money. It happens not just for the first time. It was happened before not just one time. I lost my trust to PayPal completely. They do not learn their lesson. It is not my first complaint and PayPal never was held accountable.
Product: Credit reporting or other personal consumer reports

MY CREDIT PROFILE IS INACCURATE XXXXHICHI IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IMREALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES, IM GON NA GO TO COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I attempted to open a XXXX XXXX XXXX account through XXXX XXXX. XXXX rejected my credit application and sent me a letter claiming that they were unable to approve it because my SageStream credit report was locked. 

I keep very careful records of all credit reporting agencies that I have locked or frozen. I had never heard of SageStream before receiving the rejection letter from XXXX, and I have no idea why or how my SageStream credit report was locked. 

On XX/XX/XXXX, I sent SageStream a request through their web site to send me a PIN through the mail so that I could unlock my credit report and apply for XXXX XXXX XXXX again. Their web site claimed that I would receive the PIN in the mail within seven days. 

It is now fifteen days later and I still have not received it. 

I just tried calling SageStream through their published phone number, XXXX, and it's just an automated system, none of whose options are applicable to this problem, and there is literally no option to speak to a human being. 

There appears to be no way for me to unlock my SageStream credit report which, again, I have no record of ever having locked and no way for me to reach a human being at SageStream to get this issue resolved. 

All this is unacceptable. How did my credit report get locked without my ever knowing about it? Who is SageStream? Why didn't their process for fixing this problem work? Why is there no way to reach a human being to get help?
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX which is enclosed with this correspondence.
Product: Credit reporting or other personal consumer reports

This account was paid in full and reported to XXXX  XXXX that any additional charges were fraudulent due to identity theft with XXXX and XXXX  XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency Portfolio Recovery Associates, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both Portfolio Recovery Associates and XXXX XXXX if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive had my recurring monthly minimum payment setup to be automatically debited from my personal checking account for approximately 1 year but somehow was penalized for a late payment and my credit score has dropped significantly as a result.
Product: Credit reporting, credit repair services, 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 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$7400.00} XXXX CARD XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9100.00}
Product: Money transfer, virtual currency, or money service

I received a text message, from who I thought, was Wells Fargo asking if I authorized a purchase on my bank account. I replied NO, and they said a Wells Fargo Rep would contact me shortly. About an hour later, I received a call that said Wells Fargo XXXX XXXX XXXX ) XXXX so I answered. The guy on the phone stated that we were involved in a fraud, and he would need to freeze our account so more funds wouldn't be taken out. But that we could still access the funds through XXXX. At the time it was very believable since the caller ID stated it was Wells Fargo. He asked that I create a XXXX account and move the money from my savings to the XXXX account. We did 2 transfers of {$500.00} to equal {$1000.00}. That was all I had in my savings account. 

Right after I called my mom and she stated that it was most likely a scam. I immediately called Wells Fargo to report the scam. They did 2 different claims since it was done in 2 transactions of {$500.00}. 

We ended up getting one of the {$500.00} back and it got approved. The other {$500.00} was denied. When asked I just got the run around and they wouldn't explain to me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1700.00}
Product: Checking or savings account

I called my bank once I realized my card was missing and when I logged in my mobile app I seen some checks were deposited into my account and also an unauthorized withdrawal and transaction was made that wasn't done by me.The bank never told me how to resolve this instead they closed my account and took my money and never reimbursed me.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX XXXX reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 60 days and XXXX, XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, XXXX, equifax must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX XXXX following account is not mine and has not been verified please delete XXXX following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate XXXX. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the XXXX XXXX XXXX charge off from my Equifax credit report immediately since this was never my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just on today ( XXXX ), I had attempted to, addressed my concerns! However, I was intentionally hung up on, by XXXX XXXX! Transunion just started misbehaving, and engaging in illegal practices : for some time now! Here 's what may have taken place : both XXXX and XXXX convinced them to stop dotting their I 's, and Crossing their T 's, making sure everything is accurate, acceptable, professional, sensible, legal, and well presentable with my credit report/score! The reason why XXXX did this can be, explain this way : They had gotten tired, angry, looking XXXX, being called out, exposed, jealous, and bitter ; due to me always filing complaint against them, but hardly ever against Transunion! It was no reason, to do such thing, if all was well, on several occasions, with my credit report/score under their third-party platform! Transunion is now misbehaving, and engaging in the following : bad practices, unfairness, habits, discretion, discrimination, Invasion of privacy ( interfering with my rights to live ), witness tampering ( credit score figures/miscalculation ), and in violation of my health, civil, and constitutional rights!
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 I took a XXXX dollar loan from this company. I was told I would have XXXX payments of XXXX to pay it off. Which is what the first payment in XXXX was. They then began taking double the payment at every payday as opposed to to once a month. I called to try to pay it off and the interest has accrued at an insane amount. I would never agree to a XXXX XXXX percent loan. I have been out of work due to XXXX and called and asked to speak to a supervisor and each time they put me on hold and then said they would call back and never do. They are taking advantage of people amid the pandemic. I have already paid back XXXX times the amount of the original loan. What they are expecting is insane. The attached documents show the payments they doubled and started taking per biweekly which was never the agreement they told me on the phone.
Product: Credit card or prepaid card

Recently discovered that I've been charged for card security program on my Care Credit card ever since opening the account in 2016. I never purchase card security on my accounts. The company states they would not have added it without a verbal or written request. But when I first opened this account it was at a dentist office when I was scheduled to have some expensive dental work done, they offered to do financing for me. They advised me of the payment terms, so many months without interest to pay and I agreed. I didn't even realize until later that they had set me up with an actual credit card, I thought it was just financing through their office. Anyway, I set up my account online with Care Credit website & made my payments. I have since used the card many times for other services. I always log in to the website, where I see the balance, recent transactions, payment owed, & option to make my payment. I never had any reason to even look at my actual printed statements until recently when I was trying to figure out the date of a past purchase. When I looked at the actual statement from several months ago I was shocked to see {$15.00} charge for card security. Checked all my statements from past year & found out I've been charged every month. When I called to complain they cancelled it, but would only refund last few months. I've been paying this for 5 years without even knowing. I DID NOT Agree to this! I feel like I was tricked into this & by signing up for e-statements just made it even easier for them to hide this charge. It's so easy to just log in and see recent transactions & make a payment you don't see any need to look at the statement, but that is the only place you will see the transaction for purchasing card security! It does not show up on the " recent transactions '' summary they show you on the website.
Product: Mortgage

on XX/XX/XXXX XXXX writes to XXXX XXXX XXXX for a payoff of the XXXX XXXX account. This was due to the fact the property being insured had a lien on it at the time. On XX/XX/XXXX XXXX XXXX response was sent. The problem was that XXXX XXXX XXXX closed on the wrong account. That meant lien was still on home. XXXX did not catch the mistake. 
Embrace Home Loans has the XXXX XXXX account on the liabilities page listed for unpaid balance of {$1700.00} for this account. This was false because the amount at the time of closing was actually around {$9900.00}. XXXX XXXX XXXX Closed an account named XXXX for {$1700.00}. In actuality the XXXX XXXX account had a balance of close to {$10000.00}. The XXXX account was also an account closed previously before the time of close when I called to verify. XXXX was closed XX/XX/XXXX. XXXX XXXX XXXX never closed the account on the Liabilities page provided by Embrace Home Loans the account was listed under XXXX instead of the XXXX name. The account numbers matched however. 
Embrace Home Loans failed me once again by not providing accurate information on the liabilities page at the time of closing for refinance of home loan. The Truth in lending prohibits this type of conduct. My accounts information was not reported to me correctly at all. 
XXXX did not XXXX check the accuracy of the account being closed. Due to the Negligence of the Embrace Home Loans and XXXX XXXX XXXX my bank account got frozen and later seized for the amount of {$4700.00}. To pay off this lien that was still on property with out my knowledge. XXXX XXXX XXXX did not properly pay off the right account and Embrace Home Loans did not disclose the right amounts for the accounts either. Title insurance protects me from fraudulent transfer of dedd to me and from title defects that are not disclosed to me int he policy. The property was indexed improperly due to the post closing mistakes that affect my ownership of the property since it still currently has a lien on it. Due to the encumbrance on the property of {$10000.00} or more the Deed OF Trust is NOT TRUST WORTHY. 
I demand response and resettlement of this issue immediately. 
XXXX XXXX XXXX has since transferred rights to the XXXX XXXX account to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX my identity was stolen Citi Bank refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted
Product: Mortgage

Well Fargo did a modified in XXXX, I was told by the representative that my modification would be placed at the end of the loan. I found later that a Ballon payment was placed on the loan. I was told after If i pay my house off, I would have a XXXX Ballon payment and if it's not paid, you can lose your home because you have to have XXXX on hand or you lose your house.