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

On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference. 

My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid in full can i have it remove from credit report please
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$2200.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I was signed up for email and text alerts for various account situations. I was getting them just fine. Then they stopped delivering any over draft alerts. This has resulted in many over draft fees and their research department has yet to be able to determine why they stopped. They refuse to refund my fees even as they conduct the research and are admitting that the account functions they advertise do not work correctly.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called immediately when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. There were several zelle transactions as well as some checks that had been deposited and bounced for an estimated total of {$13000.00}. 
I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from Zero to compile all the information required for the claim. I made it my mission to stay updated with what was happening with my account by calling in at least once a week. 
When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. 
At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omitted this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account. 
Also, I originally had sent the police report to the agent in charge of the investigation of this case. The reason why I had sent copies of the police report was to establish the fact that personal items were stolen this included laptop with all my personal information this would also include my bank information. I am resubmitting this issue because Wells Fargo doesn't have the best reputation and also has been on the news for more the a couple XXXX of fraud cases similar to mine. I had reached out to XXXX XXXX the Executive Office Case Specialist about this as well back in XX/XX/XXXX then again at least once every 30 days up until now. I would also like to add that I am aware of many data breaches that there has been for Wells Fargo before my fraud issue as well as many after and have continue to happen.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies must uphold fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as stipulated by 15 USC 6801, which mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. A " furnisher of information '' to credit agencies qualifies as a financial institution under this law.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are allowed to provide consumer reports only in accordance with the written instructions of the consumer. Neither XXXX nor XXXX has my written consent to share my information. Therefore, all forms of consent to these agencies, whether verbal, non-verbal, written, or implied, are revoked. 

Furthermore, XXXX XXXX XXXX ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of how to opt out. The " furnisher of information '' did not inform me of my opt-out rights. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than seven years old in a consumer report. The adverse item being reported is in violation of this law, as it is being reported without my permission.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ), a person must not provide inaccurate information about a consumer to any consumer reporting agency. Also, 15 U.S. Code 1681e requires that consumer reporting agencies implement reasonable procedures to prevent violations of 15 USC 1681c and to restrict the use of consumer reports to authorized purposes. It appears XXXX and XXXX are failing to follow these reasonable procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am formally opting out of your reporting services.
Product: Mortgage

We contacted Quicken Loans Inc. for a cash out conventional refinance. After discussing rates, terms of the loan, etc. we signed a deposit agreement that states, " If your application is denied of withdrawn, for any reason, we will refund your deposit minus the actual cost of your appraisal and credit report. '' We paid our deposit of {$500.00} with a debit card. 

Quicken sent an appraiser out and the appraisal we received was factually incorrect ( acreage, structures on the property, rooms in the home, and square footage ). We were prepared to contend the appraisal and report the appraiser to the XXXX XXXX XXXX XXXX in Missouri. We requested another appraisal or a refund. Quicken denied our request to send another appraiser and denied our request for a partial refund.
Product: Money transfer, virtual currency, or money service

I need help with a company that is indifferent and totally unresponsive to my concerns. 
After using XXXX 's money transfer subsidiary Xoom to send money to a friend in XXXX, I was abruptly suspended, and after trying to find out why, their " customer compliance '' department cancelled my account. I have no idea why. Apparently Xoom is independent of XXXX with their policies/ I have used XXXX XXXX its inception and they have excellent customer service. This Xoom company said by email my account was cancelled. 
That there are no appeals, and if I tried to email them I would not receive a reply. 
Telephone contact was fruitless since everyone said, as if reading from a script, that this was company policy not to reveal why my account was cancelled. 
I need your help finding out the reason and how I can restore my account.
Product: Checking or savings account

Between XXXX and XXXX, I opened a new account and secured credit card with Wells Fargo, without being informed of any outstanding balances or issues related to my previous account closed in XXXX. Shortly after opening the new account, Wells Fargo closed it and withdrew the funds without warning or authorization, causing me significant financial hardship. As a direct result of this action, I was unable to meet my financial obligations, leading to my eviction from my residence. I have attempted to resolve this matter with Wells Fargo, but their response has been unsatisfactory, prompting me to seek assistance from the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and XXXX. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint against Pollack & Rosen P.A. regarding their handling of my debt dispute. 

On XX/XX/year>, I received a email from Pollack & Rosen P.A. indicating that I owed a debt. On the same day, I sent a dispute and cease and desist letter, requesting that all communication be halted unless it pertained to the verification of the debt, which I requested via mail. 

Despite my clear instructions, I received another email on XX/XX/year>. In this correspondence, they acknowledged my concerns but encouraged me to log into my XXXX account to review my statements and transaction history. This response completely disregarded my request for verification and my cease and desist notice. 

Subsequently, on XX/XX/year>, I sent a second cease and desist letter, reiterating my request for them to cease communication unless providing the requested verification via mail. 

Yet again, on XX/XX/year>, Pollack & Rosen P.A. sent another email stating that they would respect my cease and desist letter unless they decided to pursue legal action. This communication still did not acknowledge my request for verification. 

The continued disregard for my cease and desist requests and lack of acknowledgment of my verification request is both concerning and unacceptable. I urge the CFPB to investigate this matter to ensure that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Loancare have send me ANOTHER loan modification due to non-payment! 

XXXX. Their telephone XXXX is NOT working 'loancare phone system is currently down ' XXXX. Their server is not working! https : XXXX is NOT working XXXX. They are NOT sending me my statements. 

XXXX. They are NOT responding to my emails!! These are the list of emails I've found. any other emails com back with do-not-reply message! 
XXXX XXXX XXXX XXXX. They want to add another year to my mortgage term so instead of XXXX, they want to change my loan to XXXX!!! 

XXXX. I pay my own property tax. 

XXXX. I pay my own insurance on my property, but they keep putting me in an XXXX  account!! 

PLEASE HELP. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00}.
Product: Debt collection

Impacted my life terribly Lawsuit in progress with the supreme of new York. Has violated Federal Credit Laws. 
Not even my account. I took correct action they tried to steal my social security information when I was really young.
Product: Checking or savings account

By bank, Simple Bank ( owned by BBVA ) closed and was bought out by PNC. 

I have made several attempts and calls to them to close my accounts and have mailed to me any balance due. No matter how long I waited on the phone, I never was able to talk to anyone. I spent 2 hours today waiting to talk to the right department, and the phone just endlessly rang and rang and rang. 

I have no branches near my location to be able to directly go in and work with someone. If i can't call and talk to someone within any reasonable amount of time... how am I supposed to close my bank account?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting acurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accurancy. This account ha not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX, XXXX XXXX and XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for you understanding and promp action.
Product: Checking or savings account

On my account there is a incorrect calculation based on the charges.
Product: Debt collection

freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.
Product: Credit card

I sent a letter through the CFPB to address an issue and all I received was a generic response. I believe this to be a stall tactic and I don't believe they attempted to address my complaint. I'm attaching what I received from them as a response to my letter sent through the CFPB. 

I asked for a XXXX to file the account that the company listed on my report as a profit loss.. 
I also asked for the date of last delinquency according to their records.. 

All I received was quote : " We carefully reviewed your request and the information available to us- this could include information from you and/or within the account details. 

All of the account details we reported are accurate We have completed our research and consider your dispute resolved '' THIS HAS ABSOLUTELY NOTHING TO DO WITH WHAT I REQUESTED. THIS COMPANY DID NOTHING TO EVEN ATTEMPT TO ADDRESS MY COMPLAINT AND IS ATTEMPTING TO STALL OR NEGATE TO DO ANYTHING RESOURCEFUL ACCORDING TO MY RIGHTS THROUGH THE FCRA. 

My next step if this information isn't granted is to contact the IRS and report fraudulent activity from Bank of America due to improperly reporting a charge off account on my consumer report and file suit for violating my consumer rights. This is my final attempt to address this matter...
Product: Vehicle loan or lease

My car Loan and apr due to me being active during XXXX is way to high and I was told {$300.00} a month once I signed papers XXXX was my payments and I will never be able to get this down and its been over 4 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with the letter from company to fulfill the request for DELETION
Product: Credit card

I initiated a dispute ( # XXXX ) with Wells Fargo Bank on XX/XX/XXXX. The dispute was against XXXX ( merchant ) for the amount of {$180.00}. On XX/XX/XXXX I purchased clothing from XXXX in the amount of XXXX, which was returned in person on XX/XX/XXXX ( see attached proof of return receipt ). The expected refund credit from the merchant was never given/posted on my account, therefore I initiated the dispute with my credit card company ( Wells Fargo Bank XXXX XXXX After some time Wells Fargo Bank stated that they lost dispute rights and could not longer assist with the dispute, they stated that no documentation or evidence was provided within the required timeframe. I was never advised or notified by the bank of any documentation being required. Nevertheless, I provided Wells Fargo with the documentation needed in order to resolve my dispute, however, they did not take it into consideration. Wells Fargo did agree I was in the right and I was owe a refund indeed. They acknowledged the proof of return receipt but did not want to pursue further. Im being financially harmed by this situation and not given the rightful resolution for this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
Product: Credit card

I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.
Product: Debt collection

Received notice from Revco Solutions about an account that had no information in reference to me. XXXX is in violation of the FCRA reporting standards as there was no validation that the debt is owed by me.