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

Subject : Request for Arbitration - Acceptance of Source Data and Signature and Account Closure. 


I, XXXX XXXX XXXX, hereby submit this arbitration request in accordance with the arbitration clause outlined in the agreement with PNC NA. This request is related to the acceptance of source data and signature valued at XXXX XXXX XXXX USD and the certificate of deposit valued at XXXX XXXX XXXX USD. 

Details of the Dispute : 1. The Parties : Claimant : XXXX XXXX XXXX XXXX : PNC NA 2. Agreement Reference : The arbitration clause is contained within the agreement between the Claimant and Respondent, which governs the acceptance of source data and signature.

3. Nature of the Dispute : The dispute arises from the alleged failure of PNC NA to accept the provided source data and signature, which is valued at XXXX XXXX XXXX USD. Additionally, PNC NA has failed to recognize the certificate of deposit valued at XXXX XXXX XXXX USD. 

4. Efforts to Resolve the Dispute : The Claimant has made multiple attempts to resolve the dispute through direct communication with PNC NA, but all attempts have been unsuccessful.

5. Relief Sought : The Claimant seeks the following relief : - Acceptance of the provided source data and signature valued at XXXX XXXX XXXX USD and account re-established. 
- Acknowledgment and recognition of the certificate of deposit valued at XXXX XXXX XXXX USD. 

6. Applicable Arbitration Clause : The arbitration clause in the agreement between the Claimant and Respondent states that any disputes arising from the agreement shall be resolved through binding arbitration.

7. Arbitration Proceedings : The Claimant hereby requests the initiation of arbitration proceedings to resolve this dispute of account closure and accounting error in accordance with the terms of the arbitration clause.

Please confirm your acceptance of this arbitration request and provide information regarding the designated arbitration forum within 15 days as per the CFPB response requirements.

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Product: Checking or savings account

Hi, My account at Marcus by Goldman Sachs has been locked for a month. A month ago, I attempted to transfer my money from Marcus to another bank via calling Marcus, and found my account locked the next Monday, without any warning or notification during that call. I called Marcus again, and was told that they would send me a form to fill and send back to them for reviewing. I filled and sent the form immediately after receiving it, and called back to check its status after I saw the tracking status as 'delivered '. This time, I was told that it would take 7 to 10 days after I sent it out for the review. So I waited 7 days and called again. I was told that it was not done yet, and I may call back next Monday. I called on next Wednesday, and was again told that it is not done, and I should wait 7 to 10 days after they receiving the form. Now it is already over a month after my account was locked, and 2 weeks after I sent the form. The form is just for identity confirmation, and I wondered what kind of review process could take over a week ( which is not done yet! ). I also requested for talking to people who is in charge of reviewing, and got rejected.

My experience with Marcus is very unpleasant. First, they should warn me if there is any potential issue when I make the transaction. Second, the whole process takes a very long time from sending the form and reviewing. Third, it is a lot of communication between the department answer my call, the department receiving my form, and the department review my form. Meanwhile, I can only speak to the people on service call, and won't get valid information or direct communication with the reviewing department. Also, the timeline of unlocking my account kept being putting off and no one from Marcus takes responsibility of solving the problem as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/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: Mortgage

In the XXXX  of 2022, I signed up for biweekly payments on my home mortgage with Mr. Cooper. The new payment would resemble 1/2 of the monthly principal, interest, and escrow due every two weeks instead of the previous monthly payment. A reasonable person would have assumed that biweekly payments would help them reduce their interest expense in two ways. First, payments made biweekly would reduce the balance of the mortgage earlier than a traditional monthly payment and thus, save the consumer substantial interest expense over the life of the loan. I believe this to be the most important benefit of biweekly payments, and would be the main reason anyone would sign up for this type of payment structure. The secondary benefit would be that there would be 26 biweekly payments made in a year vs. 12 monthly payments on a traditional monthly pay structure. This essentially equates to Mr. Cooper facilitating an extra month of principal payment by the consumer per year. Mr. Cooper constructed their biweekly payment program to completely eliminate the reasonably expected benefit of the first pro of biweekly payments I mentioned above. Mr. Cooper is holding the consumers first biweekly payment made in a month in limbo until the second biweekly payment for the month is made 14 days later. Mr. Cooper then finally applies the combination of the two payments to the loan, entirely negating the benefit of making the first biweekly payment early. For example, on XX/XX/2022 I paid {$900.00} to Mr. Cooper for my first of XXXX 's biweekly payments. This transaction was listed as " unapplied funds '' in my account history on Mr. Coopers website with no reduction in principal balance, application of interest, or deposit into escrow on that date. It isn't until my second biweekly payment in XXXX is made on XX/XX/2022 that Mr. Cooper applies any of my payments to either principal, interest, or escrow on my loan. I believe materially diminishes benefits of biweekly payments and it is reasonable for a consumer to presume that Mr. Cooper would apply payments as they are received instead of holding the funds until the second payment is made 14 days later. Mr. Coopers advertisement and application of this feature is misleading and unfair to a rational consumer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allow 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 or other personal consumer reports

My information was sold and bought illegally, and I am a victim of the Equifax data breach.

I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax should be held accountable, as my personal life has been deeply affected. Please help me delete these illegal accounts from my credit report.

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided, our records indicate your personal information was impacted by this incident.

The services and payments are listed as follows : XXXX XXXXXXXX XXXX XXXX {$59.00} X XXXX  months = {$1000.00} XXXX XXXX XXXX XXXX XXXX  Payments of {$100.00}, XXXX  payment {$99.00} = {$420.00} XXXX XXXX XXXX XXXX XXXX {$99.00} for XXXX  months = {$690.00} XXXXXXXX XXXX XXXX  {$39.00} for XXXX months = {$270.00} Total Spent on Service {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX  XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Experian a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.
Product: Mortgage

Name : XXXX XXXXBusiness : Mail Address:XXXX FL XXXX Phone : Other Phone : Email Address : XXXXXXXXINTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015XXXX XXXX FL , XXXX XXXXXXXXEmail : XXXXXXXXName/Firm/Company : Ocwen Loan ServicingSubject/Category : mortgage company wo n't return money for damages to houseStreet Address : XXXX FL XXXX XXXX XXXX : XXXXXXXXDate of Transaction : XXXX/XXXX/2015Amount Paid : XXXXXXXXQuestions/Comments : I had water damage in the home at the end of XXXX. XXXX XXXX, my insurancecompany sent me check which I had to send to Ocwen to sign. They returened onecheck and have kept the remaining checks. The mortgage is under my deceasedhusbands name and they refuse to talk to me or return the money. My husband wasa veteran and I receive spousal benefits. 
Before he passed he got a modification through IndyMac who in turn sold themortgage to Ocwen. He also filed bankruptcy and the house was outside of thebankruptcy. The bankruptcy will be final in XXXX. I am paying the mortgageand have been prior to his death. 
I am without a functional kitchen and XXXX bathrooms and powder room. 
I need Ocwen to release the money as soon as possible. They are withholding about {$80000.00} for the needed repairs. They told me to sign the checks and send it to them which was done. They refuse to talk to me even though my name is on the deed to the property. 
I have an attorney and they are not responding to her. 
I need immediate assistances.
Product: Debt collection

A man from Capital One called me back in XX/XX/year> to ask me about a credit card application that was submitted by someone. He asked if I could provide him with additional information before approving the application. I had credit freezes and fraud alerts in place which is why I received the call. I told him I DID NOT fill out an application with Capital One to request any line of credit be established. I urged him to please cancel and/or discard that application as it was not me. I encouraged Capital One to go back and find that recording where Capital One reassured me that this application will not go any further and will be cancelled as reassured by the representative. Well it was not and I am stuck with an over {$7000.00} credit card bill that isn't mine. 

I attempted to obtain the credit application and to further aid in this investigation and to be as transparent as possible, at their request for additional identification for the application request, I faxed my birth certificate, and a photocopy of my drivers license along with XXXX pages of additional information as suggested by Capital One. Later that afternoon, I received a call from a woman who said Capital One will not be able to send me the original credit card application due to the account being deemed not fraud as once again a premature decision given my faxed documents had not been received yet by Capital One. I explained that I wanted to record her, so I make sure I obtain all the details and was quickly informed that per Capital One policy, I am not allowed to record them. I was referring to a pen and note pad as I have no way to record conversations on my phone. She very quickly thanked me for calling Capital One and hung up on me and closed my case out. I couldnt even get a word in. 

After that call, I made another call to their fraud department and spoke with a supervisor named XXXX. I informed her about what just happened, and she informed me she had received my mailed notarized fraud forms along with the included photocopy of my drivers license, I was informed that the documents will be under review, and that I will get a response between 1 and 10 business days by phone or by mail. I had notarized and mailed the now second set of fraud forms back to Capital One and came home to another letter that evening stating that they have determined that I owe the debt and it will appear on my next billing statement. This has been ongoing since XXXX XXXX XXXX and I have piles of rejected letters stating I am responsible for this debt. 

I sent them a personal bank statement as more proof to very clearly show that I was shopping at a grocery store ( along with many other brick and mortar charges that day ) in Oklahoma ( where I live ) but interestingly, I was buying confectionary at an XXXX XXXX game in XXXX  at the same time. Really? 

Since XXXX, they have charged off my account and have been spamming my inbox about every other day with collection emails. I am not a criminal and I don't appreciate being treated like one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XXXX 's payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XXXX 's payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XXXX was current but when the send the tape, it's showing late for XXXX.
Product: Checking or savings account

On XX/XX/XXXX I initiated a {$6000.00} AHC wire transfer from my Discover Bank checking account to my XXXX XXXX XXXX checking account. Unfortunately I used the wrong routing number and learned that the money would be rejected by XXXX  XXXX XXXX and sent back to Discover Bank. On XX/XX/XXXX I got an email saying my ability to transfer funds was suspended. I also got an email that said they noticed unusual activity on my account and it was suspended and I needed to call immediately. I called and got my account reactivated only to get the same emails the XXXX and XXXX. Finally on the XXXX I got another email saying to contact them immediately and that they noticed more unusual activity on my account. But there wasnt any. The only thing was the {$6000.00} being sent back. 

I talked for a while with customer service and was told my account was closed as a Business decision same thing they told the other people that made a complaint to this website. I asked when will I get my {$6000.00} plus thats in my account? She said 60 days. I said thats a long time, and she replied that that gives time for all the transactions to go through. I hung up and started researching if this was legal. 

I would ask you try to reach out to XXXX XXXX VP of Customer Service at Discover Bank, and try to explain the situation too him and how the longer they hold my money the more its going to cost them in legal fees and judicial decisions in my favor. All I did was put the wrong routing number in to a wire transfer, there was no fraudulent activity.
Product: Mortgage

My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law?? 

Thanks for looking into this.
Product: Checking or savings account

I was supposed to receive my direct deposit 24 hours ago on my capital one bank account. I want access to my funds immediately, capital one hasn't been done nothing so far, we depend on those funds, this is unacceptable, also I would like cfpb investigate this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant access my equifax file
Product: Debt collection

Repeatedly calls daily, will sometimes leave a message. Has left one message, the voicemail says ... Good afternoon this message is for XXXX XXXX, my name is XXXX, I'm in the claims department here for Pendleton Capital, if you could please give me a call back at XXXX ext XXXX, when calling back please refer to claim number XXXX. We have a claim here that we need to speak with either you yourself or your legal consult to come up with some type of resolution. If I don't get a response back I will have to put a recommendation to proceed and forward it out. Claim number is XXXX and I can be reached at phone number XXXX extension XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX