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

This is a re-escalation of CFPB complaint XXXX. The original complaint pertained to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, but this re-escalation most specifically calls attention to the un-enrollment of my IRRA account from XXXX, and the negligent oversight by Bank of America XXXX XXXX to advise me the account needed to be re-enrolled, which resulted in missed opportunity for trading over a period of time. As mentioned in the original complaint, I authorized a {$41000.00} disbursement from my XXXX in XX/XX/XXXX to  serve as a form of down payment for a home my wife and I purchased. The company response indicates I was advised a 1099 form would be generated and sent whether the distribution was returned in 60 days or not. If the company verified I was told about the generation of a form 1099 via recorded calls, I wo n't dispute their findings. However, the related element XXXX will dispute is the receipt of form 5498, which I was told I would receive in XX/XX/XXXX for XX/XX/XXXX tax filing. The company response indicates they are unsure why I would assume the receipt of the form 5498 when  there is nothing in the conversations that would indicate the withdrawal was related to a XX/XX/XXXXfiling. This rationale sounds ridiculous ; the distribution was made in XX/XX/XXXX, thus I was under the impression I would receive the form 5498 the following XX/XX/XXXX. The initial representative who advised me of this information made no verbal distinction that I would actually receive form 5498 in XX/XX/XXXX. The company should re-review recorded calls to research this part of my claim, and take ownership for the error. Regarding the un-enrollment of my XXXX from XXXX - my contention is that during the phone call to reinvest the {$41000.00} distribution back into my IRRA, I was NOT advised by the assisting representative about the need to " re-profile '' or re-enroll into the MESP. The call simply concluded, and there was no additional contact to inform me of the same. This was a huge oversight on the part of the company by not proactively consulting me on critical next steps to ensure my account could resume trading, which undoubtedly cost me in the form of missed trading gains during the time period the account was unenrolled. The company response did not address this specific point about this oversight made by the representative ( s ) who handled the phone call when the reinvestment occurred, and I suspect intentionally opted to overlook this important element of my complaint.
Product: Debt collection

This company appeared on my credit report as a collection. shortly after I received a letter in the mail regarding this account. I have spoke to various people at this company to try and resolve the matter they have not sent me any validation for this account I told them this was not my account but the collection calls keeps coming with no verification.
Product: Credit card or prepaid card

In XX/XX/2021 I received notification from Synchrony Bank Sams XXXX Card they were closing my account for " fear of failure to pay. ( Also received same letter from Amazon/Synchrony Bank ) I contacted them ( Synchrony Sams Club ) not understanding why they would do such as thing, as I have had their card for 15 years and paid in full on time every month. They sent a response letter stating they have the right to do it for any reason and see attached agreement which there was none, and now the reason they are giving is " I have too many synchrony accounts ''. I have 2 a Sams Synchrony and Amazon Synchrony. Both Sams Club and Amazon approached me promoting their cash back programs. Now when its time to pay up the cash back I earned, ( almost {$3000.00}!!! at Sams alone ) they cancel my cards. Talk about unscrupulous! .. Please help. This is so wrong and unfair. 
Sincerely, XXXX XXXX
Product: Mortgage

Chase took my payments put them in a suspense account then proceeded with a foreclosure. I have been trying for 4 yrs to get this fixed They began foreclosure proceedings before I was even behind on the payments. All their paperwork shows they served me aa 90 day notice in XX/XX/XXXX but the default date was XX/XX/XXXX. They claimed they had nothing to do with the mortgage everytime I tried to obtain information Yet in their own letters they state that they had interest in the mortgage until XXXX of 2016. They were moving forward with the foreclosure as I was working with XXXX to obtain a modification. Chase approved me for a modification when I sent payments they never cashed them. They claimed they never received them the same way they claimed they never received XX/XX/XXXX payment when all their paperwork shows they did and put it in a suspense account. 

Chase took my tax dollars for a BAILOUT foreclosed on my home with fraudulent documents on a Note and Mortgage they claim in some papers to have and in others they admit they do not have it. Their Attornies gave affidavits on false information and presented false information to the court claiming it to be true. 

Then Chase buys it back at an unbelievable low price of {$500.00} and the referee allows this to happen, How does the court and the legal system allow this to keep happening. This bank has XXXX of dollars in fines for fraudulent illegal activity and NO ONE CARES. eVEN XXXX looks the other way at irregularities
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate
Product: Student loan

I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.
Product: Debt collection

I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud. This account is also a duplicate acc Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out XXXX showing my last payment was made XX/XX/XXXX also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX, account no.XXXX ... .is wrongfully reporting on my Experian credit bureau file.The account has been '' verified '' numerous times by Experian, XXXX  and XXXX   credit bureaus yet they ALL REPORT SUBSTANTIALLY DIFFERENT INFORMATION.The account was 30 days late in XX/XX/XXXX.60 days late in XX/XX/XXXX,90 days late in XX/XX/XXXX when it was subsequently closed by the creditor for non-payment on XX/XX/XXXX.The account was never brought current.The accurate date of first delinquency is XX/XX/XXXX and as such is two months away from ageing off of the report. ( 7 years, CALIFORNIA ) .IT IS AN OBVIOUS CASE OF RE-AGEING A COMMON PROHIBITED AND ILLEGAL PRACTICE ( FCRA ) .It is obvious from Experian 's two reports that re-ageing has taken place as a reaction to previous disputes.
Product: Debt collection

I was contacted by Southwest Credit Systems ( SWC ) who was trying to collect a debt purportedly owed to XXXX XXXX. In its notice, SWC referenced account # XXXX. This is not my account. I called XXXX, and it does not have any record of this account and no outstanding balance associated with my name. 

Please discontinue this collection attempt, including calls to my mobile phone, and do not furnish any negative information to the credit Bureaus.
Product: Debt collection

I lived in XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXXXXXX. Then I moved to XXXXXXXX  for my new job. 

Before I moved, I had checked my XXXX XXXX account to see if I owe anything or to if I could even get my deposit back and it said XXXX balance and it still does. ( See Attachment 1 ) However, 1 year after I moved from there, I received a notification from the credit bureau that I a collection agency called IQ DATA INT had reported an unpaid debt which I was never aware nor notified. 

The property management had all the necessary information to communicate the debt to me but they didn`t. ( Please see the attached document from the property management`s website ) .The collection agency IQ DATA INT didn`t communicate to me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : THE XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is unlawfully reporting an account I filed identity theft and fraud reports against that should be deleted. XXXX account number XXXX is a fraudulent, closed/written off account that Experian has taken my original balance from {$3800.00} to {$11000.00}, close to a XXXX percent rate, is considered XXXX and XXXX, and is a substantial negative on that asinine reporting. I am considering FCRA sections XXXX and XXXX, which are foundationally written into law for these tactics by Experian is called for. Further, there are no details on monthly payment amounts, last delinquencies, terms of the title loan, refusal of my right to rescind, unlawful repossession without XXXX days ' notice, and after only XXXX days past the first payment, forcing a Chapter XXXX Bankruptcy for temporary protection.
Product: Credit reporting or other personal consumer reports

This has been an on going thing, they couldnt provide method of verification also was deleted in XXXX XXXX XXXX  and not its still showing up falsifying info
Product: Checking or savings account

I have tried really hard over a month to work out the issues with Marcus and even when I get a sensible person in their customer service, which is very rare these days but still possible, they seem to be powerless in doing anything. 

Amongst many other issues that I have already filed a complaint about, they seem to have disabled my ability to instantly link an external account ( using the credentials ). It used to work fine for me but hasn't been working for the past few weeks. All it shows me is a pop up with no message or text on it. I have included an example of this in the attached pdf. 

If that wasn't bad enough, they keep lying to me that it is a technical web site issue affecting everyone. I have personally asked 2 colleagues to check and they are able to use that option. So Marcus agents including their supervisors have no qualms lying to customers on a recorded line. 

After going through layers of incompetency, ignorance, stupidity and bad attitude, you have to just ask for a supervisor to get someone knowledgeable to talk to. I finally got someone sensible named XXXX who finally understood what I was talking about. But she also seemed to be helpless in doing anything. But she was able to verify that it works for others. Only honest agent I have encountered so far. 

Here are the case number I have been given so far. They all go into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The due date for this case was yesterday and someone was supposed to call me by yesterday but you can guess what happened. It got sucked into the XXXX XXXXXXXX XXXX called GS. And this is after this case was already escalated twice by 2 supervisors. 

Case # XXXX No response either This inability to link an external account using the instant link option has already caused me lot of financial hardship and loss. I have not been able to link my XXXX XXXX  so far because of this There are plenty of other cases/complaints that have gone into a XXXX XXXX For every lie I have been told, I will keep filing a separate complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, on numerous occasions, reached out for proof of late payments. They have yet to provide any valid, verifiable verification. They dont provide any response whatsoever unless its from a CRA ; which is also questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

Wells Fargo approved mortgage to an investment property that I was never qualified for. Mortgage application was approved with no credit check and no income checked. As a new investor at that time, I did not know much about how mortgage process works. It is clear that I become a victim of an organized crime, committed by the financial institutions, like Wells Fargo. As a result I lost all my life savings that I worked so hard. My investment property was dragged into foreclosure. Please see attached mortgage information.
Product: Money transfer, virtual currency, or money service

I tried to send my daughter funds through XXXX XX/XX/year> for {$6.00}. I wasnt asked to confirm the selected person before transaction completed. The money was never received by my daughter. I called the bank was told that there was nothing that could be done and that if it was sent to the wrong person or phone number and wasnt able to process it would bounce back and be refunded but it could take up to 10 business days. I later received a refund for the amount sent XX/XX/year> marked as returned from the phone number it went to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and Experian, XXXX and XXXX have all neglected and refused to remove fraudulent account.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 credit card accounts open between the years of XXXXXXXX XXXX XXXXXXXX including collection accounts XXXX XXXX XXXX XX/XX/XXXX for XXXX accounts - {$860.00} and {$810.00}, XXXX XX/XX/XXXX - {$1000.00}, XXXX XXXX XX/XX/XXXX - {$490.00} and XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 sent a complaint to XXXX XXXX and Equifax on XX/XX/2023, and it has been well over 30 days. 

I still haven't received anything back from two of the credit bureaus, according to 15 USC 1681 ( A ) ( 1 ) ( A ) XXXX, XXXX, Equifax have 30 days ( about 4 and a half weeks ) to respond, this is a violation of my rights.

Complaint IDs listed below. 

XXXX - XXXX ( XXXX ) XXXX - XXXX ( Equifax )
Product: Checking or savings account

On Monday XX/XX/XXXX around XXXX I go to the ATM to deposit XXXX dollars from what I just made from work, it's raining really hard and everything on the screen is working until it comes time to deposit money, so I put the XXXX in. And then the screen freezes up for 3 mintues, and it says it's going to redistribute the cash back to me to try again but it never gave me my money back or confirmed the amount. So now my XXXX is gone.
Product: Debt collection

Credit Acceptance refused to give me paperwork showing the original price of the car given a false balance given a false percentage paid in and the car was re-sold already. You cant collect the debt twice. Secondly, exact debt is on my credit twice under two different names same date same amount XXXXXXXX XXXX who is an affiliate of credit acceptance.
Product: Student loan

On XX/XX/scrub> 2024 my employer mailed four US Treasury checks to Mohela as part of a student loan repayment program. Per the canceled checks, Mohela cashed all four checks on XX/XX/XXXX ; however, only three of these checks were applied to my student loan balances. The largest check for {$2800.00} was not applied. I have called multiple times over multiple days and I have not received a satisfactory solution. I first called on XX/XX/XXXX. On XX/XX/XXXX I spoke with a level two agent and was told a ticket was put in and I would have a resolution within two weeks. On the same day I uploaded a copy of the canceled check as requested. I received no confirmation of this or for the ticket. It has been two weeks since this ticket was supposedly sent, and one month since Mohela cashed my check without applying it to my balance.
Product: Debt collection

Entered a sales contract during a cruise to XXXX on XX/XX/2019 ; we were told the gems are of the best price and quality - not true after checking when return to New York. 
Ask to cancel on XX/XX/2019 but not possible. The products are XXXX to my house but we asked XXXX to return to sender ; so they have the products with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX