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

I opened an account with Marcus by Goldman Sachs on XX/XX/2025, after transferring funds from another bank that no longer met my needs. Once the funds were received and processed by XXXX, I closed my old account, as it was no longer necessary. 

Shortly after, on XX/XX/XXXX, my roof began leaking, and I needed access to my funds to pay a XXXX. Marcus advertises free same-day wire transfers, so I attempted to wire money to my standard checking account at XXXX XXXX XXXXXXXX XXXX However, the transfer was denied because my account was " too new. '' Marcus claimed my only option was to send the money back to my now-closed account. When I explained that the account no longer existed, they called the bank to verify, then informed me there was nothing they could do except mail me a check, refusing to process an electronic transfer. I declined and ended up using money from another source. 

Despite this, I continued having my paychecks deposited into Marcus to save. 

On XX/XX/XXXX, I initiated an ACH transfer ( a standard XXXX day transfer, not a same-day wire ) to my checking account. Marcus required me to call and verify the transaction, which I did. The agent confirmed the transfer was approved. However, the next day, I received an email stating my transfer had been denied yet again. When I called, they repeated that I could not transfer money to my own account because it was not the original ( now closed ) account. They informed me the reversal process would take another XXXX days, leaving me without access to my own money once again. 

At this point, it is clear Marcus is effectively holding my funds hostagXXXX. I am closing my account, and once again, they insist on mailing a check instead of providing an electronic transfer. Avoid this bank at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXXXXXX XXXX  permission to share or sell my information with a third party company.
Product: Money transfer, virtual currency, or money service

1. XX/XX/XXXX, attempted to make a purchase with my debit card with 'XXXX ' for $ XXXX and was declined. Recieved email from XXXX and a battle ensued about the racketeering activity they were conducting. 

2. Filed a complaint with the XXXX  about that transaction.. 

3. Response was slow and still pending with XXXX  against XXXX, so I attempted to make another purchase/transaction on XX/XX/XXXX ; also got rejected and for the same frivolous reasoning. 

4. I contacted my bank, XXXX, and requested explanation and they told me that the Merchant 's processor ( Well Fargo ) took the funds from my acct and held them. 

5. I am leveraging this financial institution 's action to the CFPB for immediate action for this racketeering activity, working in concert with their merchant XXXX to extort funds and as shown in the attached " Dear XXXX '' XXXX sent to me ; XXXX is working with Well Fargo XXXX XXXX to hand deliver cash $ $ when there isn't a problem with my preferred method of payment. 

6. Per the attachment ; XXXX is telling me the justification for this action is my bank, XXXX has declined the funds, which they have not ... Additionally, I have overdraft protection on the acct ... SOOO DOUBLE, XXXX  is a fraud!!
Product: Credit card or prepaid card

in XX/XX/2017 we in Florida were hit by the hurricane, I had problems with my work, I called this card to make payment arrangements, we agreed to only pay {$80.00} dollars for a year. at the end of the year they raised my interest and my minimum payment without my consent, now they started charging {$110.00} dollars of which only XXXX dollars go to my favor. I called them to work with me but they have no answer. today I owe more every month. My doubt right now is {$4600.00}
Product: Debt collection

XXXX was a told that someone from XXXX  called and asked me questions to open a new credit line, when I called XXXX they said no one from XXXX had called. Prior to incident I filed complaints with XXXX, they said they would take care of the situation, they did not it escalated, making it so I continually called them. After the incident the situation escalated at which time I filed reports with Gov agencies including the Cfpb. At this point XXXX admitted they had made computer errors, I I have this on tape and they had to manually fix the errors. They apologized but did nothing. I have not received anything from discover. Multiple identity theft reports were made since last year into this year.
Product: Mortgage

Caliber Home Loans based out of XXXX, Texas mismanaged funds from our XXXX home loan since acquiring it in XX/XX/2019. Throughout the entire renovation process, their service has been unsatisfactory at meeting our basic needs for a renovation home loan. 
Caliber Home Loans chose to release the 10 % retention fund to our contractor before all work was completed. As stated in Calibers FAQs on their website, A 10 % retention will be withheld on all draw request to ensure all work is properly completed and for lien protection. The retention is released with the final draw upon completion of the project. The items that remain incomplete are as follows : Permanent marker remains on the newly finished wood floors. 
Holes were cut into newly finished wood floors and never fixed. 
Holes were left in the ceiling and floor of 3 bedroom closets. 
Unnecessary holes for registers on ceiling in living room and kitchen were never closed. 
The steel bars were purchased but not inserted in our concrete retaining wall on the ground level. 
Pipes from the old radiators were not removed from the floors. 
Debris from demolition was left in our yard. 

In addition to the above items, Caliber Home Loans released funds in the amount of {$5000.00} within the first draw which should have been held back until the change order had been completed. 
We communicated with Caliber Home Loans several times about the mismanagement of our funds for our home renovation and were ignored. The overpayment of funds to our contractor cut into our remaining budget leaving us with a subpar renovation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my consumer rights over and over again. I have file several complaints and sent multiple disputes and this company continues to ignore my compaint. Then they will send me a scare tacticed letter stating that i am not the person filing the dispute and nothing gets done. I have also file several CFPB complaints and nothing never gets done they will tell u thry need more time but never dispute or remove any inaccurate information. 
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 15 USC 1681. 

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 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: Money transfer, virtual currency, or money service

I was scammed by a person or persons who agreed to let me pay a partial deposit for a dog then backed out of the agreed pick up date for the pet. The person stated they would refund the {$500.00} deposit paid through CashApp, but ultimately they blocked me and did not respond to my request for reimbursement. A CashApp representative did not open an investigation and simply told me the app is not designed to be used to pay for goods and services.
Product: Credit reporting or other personal consumer reports

The XXXX  XXXX account number : XXXX is being inaccurately reported with a 30-day late payment on TransUnion, and some information does not coincide with other bureaus which I believe TransUnion violates XXXX MAXIMUM POSSIBLE ACCURACY requirement under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), because I have never been late on any payments. Additionally, TransUnion reported this account without my permission and authorization, which is against the permissible purpose rules under 15 U.S.C. 1681b. Failing to ensure accuracy in reporting, will be treated as willful non-compliance under 15 U.S.C. 1681n allowing me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the full amount due on my account of {$1500.00}, and did not settle on the balance due. I provided a copy of my bank statement to Experian and contacted the U.S. Department of Education and the referred me back to Experian to fix the issue because they showed it as paid in full. I keep getting referred from one back to the other and this issue has been an error on my report for almost 2 years, impacting my credit score. I've followed the process and no actions haven been taken to rectify the issue. I made the payment on XX/XX/2018 for the amount of {$1500.00}. Not sure what else I can do to fix this issue, which is why I decided to file a complaint. My complaint is against Experian and the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. please remove old items i.e XXXX XXXX XXXX  XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid
Product: Credit reporting or other personal consumer reports

XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX FIFTH THIRD BANK Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

My flood insurance was paid on XXXX and also paid on XX/XX/year>. 
The payment from XX/XX/year> was cancelled and reissued on XXXX but the funds were never credited to my escrow account and now they did a review of my escrow, and I am short, and my monthly payment has gone up. I have spent over XXXX hours on the phone with them, spoke to every department involved Escrow, insurance and customer service and nothing has been resolved. They just keep passing me around like a ping pong ball and no resolution. I have also sent messages via their online portal.
Product: Debt collection

Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.
Product: Credit card or prepaid card

I called a couple of years ago to close the credit card account because I had not used it for quite some time. Citibank failed to close the account and continued to charge me annual fee. They were going directly to my bank to withdraw the annual fee, {$25.00} at a time, without my direct authorization. I had not noticed the charges to my bank account in previous years after calling to have the credit card closed. This past year while undergoing a statement review ( because I changed my primary bank ) I noticed the charges in my XXXX XXXX bank account. I looked at copies of the {$25.00} checks from me to Citibank that did not have my signature. I reported it to XXXX XXXX as fraud and asked them to close that account. Then I called Citibank only to find out this was the account I had called to close a couple of years ago. They said they had no record of the cancellation. I told them they needed to cancel it immediately. They claim they have, but that I still needed to pay the {$98.00} fee because I called to late to canceled the account ( the annual fee posted in XXXX and it was now XXXX ). This is the most ridiculous thing I have ever heard! I asked for copies of the charges I have made in the last 36 months so they can show evidence of account activity. The people I was allowed to speak to did not have the means to produce that information, nor will they because the account has not been used - hence the reason for closing it. They simply reassertion thar the account was now closed and I was responsible to pay the {$98.00} annual fee. Citi continues to claim the debt and is now charging me late fees for not paying the annual fee for the card ( no purchases mind you ) and reporting me to the credit bureaus for delinquency. This is a rip-off of the highest degree - almost as sleazy as XXXX XXXX shenanigans a few years ago. I would like your help to stand up for principle. I have the means to pay the stupid {$98.00}, but this kind of abuse by these big banks needs to stop. They should not be allowed to operate above decent and fair business practices. When I used the card years ago to book a trip, I paid my entire bill to them on time. They are asking for money they dont deserve for a service I turned down long ago. What was once a useful and mutually beneficial business relationship they have managed to turn into a pile of rubbish. I will never do business again with them or any of their affiliates.
Product: Credit reporting or other personal consumer reports

While trying to obtain my first auto loan I was told by the dealership there was an auto loan closed on my account and sent to collections. The name of the loan company is XXXX XXXX XXXX Highest balance being {$14000.00}. I have no knowledge of this account and I've never opened an auto loan. This is causing me to not be able to obtain financing on a vehicle. It was also sent to a collection company XXXX XXXX XXXX Highest balance being {$5000.00}. This is inaccurate information please remove from my credit report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management, using multiple names keeps calling, Keep asking for XXXX, who is not me and for whom I have never heard. I tell them that, even when they pretend to be a friend. 

I have told them to stop then they ask for my social security number, and all sorts of personal info. I tell them no, and they say they will just keep calling because they can not identify me. I tell them if I am not who they seek why would I give them private info. They just keep calling. 

XXXX, XXXX, XXXX and these are only some of the number. 
They have called easily over 100 times in the last 6 weeks. I have had this number at least 1.5 years. My number is XXXX, and they obviously have my number.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.
Product: Debt collection

I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I'm not familiar with them, and the company proceeded without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 accounts with Experian at least three times. The first time I disputed the accounts and Experian verified and the accounts remained despite inaccuracy. The second time I disputed the accounts and provided documentation and Experian corrected the balances to reflect 0 but failed to correct the account statuses. I disputed for a third time and provided the same documentation via an up load to the website for documentation and mailed in hard copies and they have verified the accounts again and Experian continues to report an incorrect status of the account.
Product: Checking or savings account

I have opened a money market 360 account with CapitalOne on XX/XX/XXXX under a promotion code XXXX. The exact terms of the offer was " Open a 360 Money Market account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus ''. 
It never said neither about balance of {$50000.00} or more nor single deposit of {$50000.00} or more. 
I did a cumulative deposit of {$50000.00}. I have highlighted this issue in twitter with the offer link " https : //www.capitalone.com/savings500/ ''. CapitalOne deleted that page after my post. If capitalone was correct on this then they should not hide/delete that page with terms and condition of the offer. 
However I already archived that page here- " https : XXXX : //www.capitalone.com/savings500/ ". 
In XXXX  capitalone said that they will escalate this issue, however I did not get any update from them. CapitalOne did not honor their own terms. They should understand that balance of {$50000.00} and deposit of {$50000.00} are not same. I did cumulative deposit of {$50000.00}. Terms never said that cumulative deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. 
I think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. 

Further, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement. Now this is really a trust issue with capitalone. 
Hope this time capitalone should do something to get back customer 's trust in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing because today I received a call from XXXX XXXX XXXX  and when I gave my information they seen they contacted the wrong person and I feel that if this is happening then how many other agencies are going to contact me because I have the same name as someone else? Also, on my credit reports I have noticed that there are addresses that do not pertain to me. That's a red flag. I feel these credit reporting agencies and bill collectors are attaching anyone 's information to me because either they have the same name, identical spelling and even the names could be spelled different but yet get attached to me. I have been a victim of identity theft before and this is scary. Something needs to be done about this because I'm sure I'm not the only one having this issue and therefore it can also impact my credit, jeopardize my life, etc. This needs to be addressed because collectors are calling anyone that has the same name and it's troubling.