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

I had a CD with Marcus Maturing on XX/XX/24, On XX/XX/24 I called Marcus 3 times asking for clarification. 

I spoke to 4 different persons and was given contradictory and conflicting information by every one of them. 

Essentially I wanted to make triple sure that I was free to do what I wanted with my money on maturity date. 

A Marcus supervisor ( first supervisor ) assured me I had a 10-day grace period to do what best suited me. 

I called on XX/XX/24 to give instructions and I was told that my money was renewed into another 12-month CD and it was locked and if I wanted it out I will have to pay an early-withdrawal penalty. I disputed this. 

I spoke to a second supervisor who said my case was going to be investigated and I would receive a call back. 

Marcus does not give any written documentation, everything is verbal over the phone, there is not even a case number. 

I did get a call back on XX/XX/24. A person who said to be in charge of disputes admitted I was given the wrong information by several people, but said that the rules were that since I had created prior instructions via the app once before, this meant that I forfeited my right to the 10-day grace period stated above. 

This is not disclosed in their pages nor it was disclosed by any of the four people I've spoken with. And I particularly insisted in that I wanted to be reassured that I was free to act and not be locked onto anything. 

There are no warnings nor disclosure about this in Marcus Webpage or App. It is completely deceiving. Everyone of the people I've spoken with on XX/XX/24 aided with this deception. 

Furthermore and as stated- and I have it on recording - first supervisor was requested multiple times to confirm that my right to the 10-day grace period was current and valid, and she confirmed this. 

I was adamant I've been wronged and I asked for repair and a solution to this, but the complaints person would not budge. She agreed in that I was wronged and given the wrong information, but she refused to cancel the CD at no penalty to me. 

Every person I have spoken at Marcus, including the complaint person, had withheld information as to obscuring the facts and my rights and obligations, and this is deeply resented. 

I feel betrayed by Marcus, mislead, deceived, and tricked into surrendering a large amount of money for a year, at money market interest rates. 

I also find hard to understand the pettiness in not making my money immediately available to me, given the gross incompetence and negligence of people who were supposed to give me accurate and timely information. 

Trust is completely broken, I feel cheated and I want out. 

I demand for Marcus at the XXXX  to unlock my money for immediate withdrawal at no penalty and with the interests accrued. 

The sum is significant, it is a multiple of yearly salaries for an average worker. 

Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Federal As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

PLEASE! SOMEBODY HELP! THE ATM HAS JAMMED AND STOLEN THE {$14.00}, I DEPOSITED ON XX/XX/, AT THE LOCATION THE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 

ALTHOUGH, BANKERS WERE STILL INSIDE, I WAS NOT ALLOWED TO COME INSIDE AND GET HELP WITH THE MATTER. 

A FEMALE BANKER GOING HOME, TOOK THE RECEIPT GIVEN TO ME BY THE ATM, LOOKED AT IT AND SAID, THIS HAS HAPPENED A COUPLE OF OTHER TIMES TODAY, I DON'T KNOW WHY, IT SAYS IN 2 DAY BUSINESS DAYS, WELLS FARGO WILL FULLY CREDITED YOUR ACCOUNT, NO FURTHER ACTION IS NEEDED. 

MY ACCOUNT WAS CREDITED XXXX CENT ONLY. 

MY ACCOUNT HAS NOT BEEN CREDITED THE {$14.00}, AND RECEIVED AN EMAIL TELLING ME TO WAIT 10 BUSINESS DAYS, WHILE WELLS FARGO INVESTIGATES. 

I'M XXXX  AND ON XXXX, AND NEED ALL OF MY MONEY, NOT SOME OF MY MONEY. 

THIS IS AN OUTRAGEOUS THAT A BANKING INSTITUTION, RIPPING OFF MONIES THAT ARE PROTECTED. 

GETTING THE RUN AROUND AT THE 800 CLAIMS DEPARTMENT. 

I ALWAYS PUT IN {$14.00}, SO CAN WITHDRAW A ROUND NUMBER FROM THE ATM, AND NOT HAVE TO GOING INSIDE THE BANK. 

MOST DAYS I CAN HARDLY WALK.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The findings from the CFPB 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information provided by XXXX has not provided accurate data in regards to a public record reporting on my consumer reports. 

XXXX is claiming only to be a furnisher providing information to consumer reporting agencies, however the information reported is grossly incorrect. The information submitted by XXXX shows a public record filing address as XXXX XXXX XXXX XXXX, MD XXXX. However my residency has never been in the town , county or jurisdiction of XXXX. The jurisdiction I resided in has always been XXXX XXXX. Proof of this jurisdiction and inaccuracy of the reporting is provided with several documents including jury duty records, XXXX drivers license, and Automobile Insurance. May this overwhelming evidence be sufficient to remove all filings from consumer reports and all parties XXXX may share without my permission or sole consent. XXXX has been provided all proof of identity as required including license, social security card and utility bill. This information was used to delay the investigation. As a sign of good faith I will provide these documents in this cfpb complaint to prevent further delay.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my income Tax check was deposited into my Chime account. We were on our way home from XXXX when I realized it. When we got back I noticed I was missing my phone. We couldn't find it anywhere. I even called XXXX to see if it got left. It was there. On I believe it was the XXXX my dad loaned me a phone I checked my bank account and at this time only noticed two Transactions that was fraudulent. They got disputed. My phone still missing into Friday night I go to be Friday night at about XXXX. My wife was up about all jight that night sick. She has XXXX and has her days. I didn't get up at all that night. She wrote chime and told them she knew I didn't move all night long. I wake up around XXXX XXXX that morning XXXX minutes till XXXX to XXXX charges and {$5100.00} being fraudulently taken out of my account. I call and dispute them while on the phone I'm seeing more charges go through. The guy doings the dispute for me basically accused me of lying about the situation and doing the transactions. I went off on him and cursed him. Chime more worried about him hearing a few choice words than my dispute denied it 3 days later. A few days later XX/XX/XXXX we got evicted. Lost everything due to Chime not being like every other bank on earth and using a temporarily credit method. We have now lost $ XXXX in furniture appliances dishes and clothing plus the {$5100.00} puts me out {$21000.00}. I had been getting verification text from XXXX and XXXX. I called XXXX because something wasn't right with the amount I was receiving and I knew I hadn't been on either. When I called XXXX I received the evidence I thought wouldn't get my money back. The lady told me my account had been suspended due to fraudulent activity. That my account had been hacked. It was on my phone that didn't returned until Sunday XX/XX/XXXX along with the chime app and others this effected. When I gave the proof to Chime as well as the eviction letter and policy report. I thought well this is it. I can finally save my family. I sent the eviction notice because what father would get on a game that means nothing and play throughout the night blowing the majority if the money spent in one night. Sometimes running 5 transactions a minute instead of getting his family out of the house they are being evicted from. Well it got denied 3 more times on the 4th and final one I still hadn't gotten a reason why in writing. They said their systems said it was a valid charge. They are putting my family 's lives on their computer? I had proven my phone was hacked and it didn't do a bit of good. I'm praying this does. We are just now receiving help from a place that only helps XXXX. So I'll be reunited with my family hopefully Monday morning XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

I got a home loan on XX/XX/XXXX, and my loan was sold to Specialized Loan Servicing, LLC in XX/XX/XXXX. A couple months later I recieved a notice that my taxes weren't being paid and were late. I called the company to get it taken care of, couldn't get anyone but they said on a recorded message to send them the bill and it would be paid. Fast forward a couple months and I get a notification that my insurance had lapsed and I needed new or they would be buying me insurance. I scrambled to get new insurance and thought it was fixed. Now they are trying to bill me for the time that the insurance was lapsed, even though I paid my bill and they had it in escrow, they just chose not to pay it. When I called they tell me they didn't get a bill and our insurance didn't know they were our servicer but my wife called to update that with the company, and I never knew anything about it until it was already lapsed. Their response was that they can legally charge me because I didn't have coverage. How am I supposed to know if they are paying it every month or letting it lapse so they can conveniently provide me with their coverage for the time it was lapsed? Clearly deceptive practices, or at the least incompetence. They should be covering the cost of the " extra '' insurance since it's their fault it wasn't paid.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : XXXX XXXX XXXX
Product: Checking or savings account

There are a number of Fraudulent charges on my bank account, that I did not know about nor authorized. XXXX XXXX, never had my consent to charge my account. XXXX XXXX for {$15.00} fraudulent, XXXX {$73.00} fraudulent, XXXX XXXX {$400.00} fraudulent, XXXX XXXX Fraudulent, XXXX XXXX XXXX {$30.00} fraudulent, XXXX XXXX XXXX {$21.00} fraudulent, withdraw for {$300.00} XXXX XXXX XXXX fraudulent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) Due to inadequate customer service and unfair practices which violate the consumer financial protection act CFPA, and noncompliance with the EFTA ( electronic fund transfer act and regulation E. I seek appropriate action and compensation for these violations for their deception and leaving my account vulnerable and unprotected from fraud repeatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Debt collection

MIDLAND CRED is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} Equifax XXXX XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX 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: Consumer Loan

I need some help, back in XX/XX/XXXX a loan through Wells Fargo was closed out, it has been six years and now XXXX has re reported the data as of XX/XX/XXXX. I have disputed with XXXX with no resolution and even called Wells Fargo which stated because my mortgage was closed in XX/XX/XXXX, they have no record of it in their current system. 

When I asked how I could get this report date corrected, the Wells Fargo representative said I would have to submit a letter. I had submitted a letter/ dispute with XXXX for Wells Fargo to change the original report date to XX/XX/XXXX. The Wells Fargo rep said that that was all I could do. 

I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

XXXX XX/XX/XXXX via Transunion. 

XXXX XX/XX/XXXX via Transunion. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.