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

I discovered that my Marcus saving account was locked on XX/XX/XXXX. On the same date, I called Marcus, and they informed me that my XXXX XXXX XXXX XXXX number was not associated with the name on the account ( which is my name ). I even went to a local XXXX XXXX XXXX XXXX  and asked them to pull my information from their system, which, according to XXXX XXXX XXXX XXXX records, matched my name. They said they would send me an affidavit to fill out. I waited for a week and then called XXXX again on XX/XX/XXXX. They assured me they would expedite the process and send out the affidavit as soon as possible, which would take 7-9 business days. However, after waiting for another two weeks, I still haven't received the letter. I lost my patience and asked an agent to close both of my accounts and transfer the money back to the original bank account that initiated the transfer initially. The agent agreed to that, and we went through the closing process on a recorded line. The agent sent me a one-time PIN number to my phone, and I provided her with the number. The agent assured me that the funds would be available within 1-3 business days. However, after waiting for another four business days, I still hadn't received the money. 

When I called Marcus again, another agent from risk department informed me that my accounts were not actually closed because their department vetoed the closure due to restrictions placed on my account. This information was never communicated to me last Friday. I requested once more to have my accounts closed. The risk department set up a three-way call with the savings department XXXX and we went through the same closing process again. However, they informed me that they could not send the PIN number to either my phone or email this time. The only two options left for me are : Receive a check via mail, for which they couldn't even provide a tracking number. 
Go through the old affidavit process, which has already taken a month, and I still haven't received the letter from the bank. 
Due to my concerns, I rejected the check option and insisted on getting my money transferred to the original bank account via ACH or wire. Unfortunately, they are not giving me that option. 

I don't see any risk in simply transferring the funds back to the original bank account, which I believe is the easiest and fastest way for me to access the funds.It 's really frustrating for me since it already took a whole month, and I don't want to waste another month on waiting for the check.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and I'm unsure of the reason. I checked my credit report as usual, but this time there were unexpected discrepancies. Refreshing my browser didn't remove the inquiries. Because of this, I'm requesting a detailed review of the documents I've provided to avoid future concerns.
Product: Credit reporting or other personal consumer reports

XXXX has breached my private data. This is violating my rights under 15 USC 1681. This is a violation of privacy. I also want XXXX to start reporting my credit accurately and taking off any negative reports or charge offs. I have proof of identity theft and get a IRS pin number every year. On XXXX and TransUnion my credit report is somewhat accurate. I would like this taken care of, per 1681n Civil liability for willful noncompliance, meaning ; if a company knowingly or recklessly violates the FCRA, legal action will be taken. Thank you
Product: Checking or savings account

XX/XX/2024 Had a fraudulent withdrawal pending on my checking account contacted U.S. Bank to dispute. 
XX/XX/2024 contacted U.S.Bank and was told I would be receiving correspondence in the mail for the dispute. 
XX/XX/2024 received the correspondence from U.S.Bank regarding filing the dispute claim. Deadline for dispute was XX/XX/2024. 
XX/XX/2024 Faxed the dispute documents and statements showing this was a fraudulent transaction. 
XX/XX/2024 Called U.S.Bank to confirm they had received dispute claim, they confirmed that they had received the dispute claim. 
XX/XX/2024 received notification that U.S.Bank was closing my checking account. 
Checked back several times on status of dispute being assured it was still under investigation and that no funds would be released until investigation was completed. 
Was told by U.S.Bank to wait for a few more days for the investigation to be completed. At that time it had been over XXXX days since I initially requested to dispute the fraudulent activity. 
No temporary funds were ever put into my account, no investigation was completed XXXX correspondence/documentation about the investigation or results ever received. 
XXXX XXXX spoke to a XXXX that funds were released to XXXX XXXX, despite the investigation/dispute being complete. US bank XXXX XXXX. could not understand why they mailed a cashiers check to XXXX. 
Now my funds ( thousands of dollars ) have been sent to a third party on a fraudulent claim that was disputed over a month ago. 
I have spent over XXXX hours on the phone and filing necessary documents trying to resolve this issue and have my funds returned to me.
Product: Credit card or prepaid card

I reported 2 fraudulent charges made to my account number ending in XXXX on XX/XX/22. They were both in the amount of {$500.00} at XXXX XXXX in XXXX, AL. I have not traveled, did not make this purchase and had other credit cards compromised around this date as well as my cell phone number " ported '' to a different provider. After investigation, Citi claims because it was a chip enabled transaction it is not fraudulent activity. Like I would fly to Alabama and shop at XXXX XXXX to the tune of {$1000.00}.
Product: Vehicle loan or lease

I started an auto loan with XXXX XXXX XXXX XXXX in XXXX, but because I was getting married and wanted to have the same bank account as my husband I decided to transfer the car loan to Chase in XXXX. 

The process to transfer the loan went smoothly at first, while I was working with my local branch. However between me transferring the loan and XX/XX/XXXX I received documents in the mail six times from Chase saying they were unable to access the lien to my car and that they needed me to re-sign ( and get notarized ) a document and send it back into them. I preformed this task six times. Each time taking the form to my local Chase branch and having a banker notarize the form for me. 

On XX/XX/XXXX my husband and I were XXXX  by a XXXX   XXXX who also happened to be uninsured. My car was completely totaled and I have been working with my insurance agency to receive payment for the loan. I currently owe {$2100.00} on my loan at Chase, which I informed XXXX who has attempted to work with Chase to pay off the loan. 

I have since figured out that Chase still hasn't acquired the lien on the car. I have called their customer service line multiple times trying to come up with a solution. XXXX can not pay me the remaining {$6000.00} some I'm owed on the car until they receive a clean title from Chase. At this point I have been lied to multiple times as to when I they would provide XXXX the title. The latest lie I was told was that they would have everything sorted by XX/XX/XXXX. I logged onto my portal on XX/XX/XXXX, saw the car had been paid off and thought maybe they finally got things figured out. I also noticed that they also took my XXXX car payment while also taking the full amount from XXXX. Meaning Chase has now charged two people for my XXXX auto payment. 

I called XXXX on XX/XX/XXXX to make sure they were given a clean title from Chase. I was informed by XXXX that Chase had been told by them that they were cancelling the car check ( since they were unsure of what was going on ), but Chase had went ahead and cashed the check anyway. So Chase cashed the check without providing any sort of title to XXXX. 

I am still unable to get paid from XXXX the {$6000.00} some I am owed until Chase provides them with payment. Meaning that I have been out of a car since XX/XX/XXXX, and can not afford to go get another one until I receive what I'm rightfully owed. 

I will add that I am on the verge of buying a house and was just about to start shopping for house loans and Chase is no longer in the running. I have mentioned this fact to multiple costumer service agents who have not cared in the slightest. So as soon as I get my money I will be closing all accounts with Chase and doing business elsewhere. It should not be that hard to treat your customers with dignity and respect, and I have received none of that during this very difficult time. This process has deeply effected the well being of my person life.
Product: Credit reporting or other personal consumer reports

Experian ( EX ) is failing to provide verifiable proof of their investigation. I've contacted them 3 times over the last 3 months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need EX to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know EX is performing under the color of the law. Please see the following 3rd letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last 2 letters. Additionally, EX failed to my original letter mailed on XX/XX/year>2024 they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to EX. I need this matter honor per FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX  days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such in fact debt exists
Product: Credit card

I contacted Care Credit ( the balance is now over {$9000.00} ) directly and they are still holding me responsible. I contacted XXXX, XXXX and XXXX trying to protect my Credit Score. I DID NOT MAKE this charge to Care Credit and I am not responsible for paying what I don't owe. I don't understand why I can not be helped. Why the company is holding me responsible for something I did not do. I was called by Care Credit saying that I had not used the card in years and did I want to keep it. Initially I thought no ; but, I thought it would be good to keep for an emergency. I asked for a new card. I received a new card which is in my possession and in the meantime someone had put {$8800.00} on the original card. So now the scammer gets away and Care Credit wants me to pay it back. It is NOT FAIR. I DO NOT OWE THIS. How can I get this off my my credit and resume my good credit score? Can someone help me, the honest citizen and not the scammer? PLEASE HELP ME!
Product: Checking or savings account

Compliant against : M & T Bank Address : XXXX XXXX XXXX, XXXX, NY, XXXX Phone : XXXX Point of Contact : XXXX XXXX, Branch Chief Email : XXXX To whom it may concern : I am writing to file a complaint against the M & T Bank located at XXXX XXXX XXXX, XXXX, NY. 

My brother XXXX XXXX XXXX XXXX XXXX has a checking account ( XXXX ) with M & T Bank under his name and his business ( XXXX, XXXX, XXXX ). He passed on XX/XX/XXXX and I have been responsible for settling his business affairs. I initially contacted the bank on XX/XX/XXXX to find out what paperwork they required to disburse funds in his account to his successor which is not me. I have been in contact with the Banks Branch Manager, XXXX XXXX, at least a dozen times since my initial contact on XX/XX/XXXX and XX/XX/XXXX, and still can not obtain an update on the status of the review because the legal department has not been forthcoming or transparent in communicating to the Branch Manager the status of the review or the required steps to disburse the funds. 

According to XXXX XXXX, the legal department needed to establish that my brother had 100 % ownership in the business which makes sense. Therefore, I sent the articles of organization for the LLC and a letter from the Department of Treasury, Internal Revenue Service, both of which are attached for your review, and which show that he is the sole member of the LLC. I also submitted his death certificate, a copy of his XXXX individual tax returns that he filed under the business name and a Collection of Personal Property by Affidavit Pursuant to 15-12-1201, C.R.S, all of which are attached. The basis of the complaint is two-fold : 1 ) the banks legal department has not been forthcoming or transparent about the status of the review. In fact, when I contacted the liaison with the legal department ( XXXX XXXX ) most recently on Wednesday, XX/XX/XXXX, after checking the status of the review, she conveyed to me that the legal department withdraw my request. According to her, she sent an email to the legal department to request clarification on what withdrawal meant and as of Friday, XX/XX/XXXX, XXXX days after submitted the documents to close his banking account and disburse the funds to his successor, I have not received any clarification or communication from the Banks legal department on the status of the review. 2 ) the funds remain on deposit in the bank in my brothers account, which based on conversations with my brother before he passed may be as much as {$50000.00}, without any clear communication from the legal department about the status of the review and the steps necessary to disburse the funds to his successor. 

For additional context, my brother was living with our mother and working remote after he lived in the New York area where he opened the account. I understand that you can not compel the bank to close the account or disburse the funds. However, my objective is to receive a status update on my efforts to close the account and disburse the funds. The legal department has been less than transparent and uncommunicative in terms of the status and what if any additional paperwork is required.
Product: Credit reporting or other personal consumer reports

I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. 
And the address should only be XXXX XXXX XXXX XXXX 
All others are fraudulent and my information has been stolen. 
Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the XXXX accounts I flagged that are not mine and the phone number.
Product: Debt collection

I sent credit management control a debt validation letter. I ask them for exactly what I wanted from them and they failed to provide me with the paperwork I needed. They didn't provide me with the original contract I signed. All they provide was a statement which is not enough proof. I ask that you delete this account. As a consumer, only I can validate a debt and this is not my debt.
Product: Debt collection

I got a missed call for Aargon Agency ( or someone claiming to be ) at XXXX central time on XX/XX/23. I called back at XXXX central XX/XX/23 and someone picked up asked my name I confirmed the name, he then went on to say I owe money. He asked if I lived XXXX   I said no he said ok. I then said I've spoken to someone about this before and asked for information to be sent to me and I've never received anything. He asked what information I then began listing what I need, " 1. the original contact, 2. Original info from original creditor, their name, their ... ... '' he interrupted me before I could finish saying XXXX XXXX  I can not give any of that to you ''. I then said " why you have to provide that I need to know its legit I've been scammed before ''. I then said " I will dispute it '' He said " go ahead ''. I had 4 things I need and I wasn't even allowed to get through the 2nd things.
Product: Checking or savings account

I opened a checking/savings account with Navy Federal Credit Union in XX/XX/XXXX. When I received my debit card, I began to update my payment information, having next received returned check fees for insufficient funds due to declined debit charges before. Immediately, I began to receive numerous returned check fees, each at {$29.00}. When I received my first check, which posted on XX/XX/XXXX, my account was already overdrawn by {$140.00}. 
I contacted NFCU to see if they would refund the fees. They agreed to refund {$58.00} back to my account. They claimed that all these charges were from bank drafts? Not possible. I had 2 charges that could have resulted from bank drafts for XXXX. I was also charged a returned check fee the same day that my check posted. 
I was charged again three times in XXXX and so far, once for XXXX, claiming that a {$200.00} transfer that I scheduled to go into my XXXX  Account on XX/XX/XXXX didn't actually get transferred until XX/XX/XXXX, resulting in the money not being transferred and me being charged another {$29.00} returned check fee.
Product: Checking or savings account

My bank account with Sofi was frozen. I was not notified the account was frozen. I only found out when trying to access the account. The online chat will not talk to me because the account is frozen. The fraud phone number never has any support available. Only the option to leave a message that they don't respond to.
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b.

I also attached my credit report and letter showing that Equifax is in violation of the FCRA
Product: Checking or savings account

Wellsfargo charged me around XXXX for a XXXX rental car that I had already paid weekly. They refused to release the hold that XXXX provided me With the account number and just decided to close my account instead as I couldnt afford to pay I was a customer for over 8 years and I feel I was ripped off.
Product: Mortgage

Nationstar perpetrated fraud in a foreclosure action against me, and they committed tax fraud. I consented to pay {$650000.00} which was the amount Nationstar last showed was my " unpaid balance '' but in court they slipped a different " Consent '' order that was inflated by more than {$350000.00}. 

Not only that, but Nationstar then send me a XXXX, cancellation of debt for {$80000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this collection. I was looking over my credit report and they put a collection account that was not verified and originally deleted off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data accessed my credit report without permissible purpose ( section 604 ), without my permission and then claimed the report was accessed for one of their clients. Factual Data then informed me I needed to contact their client company to have Factual Data removed from my credit report even though Factual Data is  listed as the one making inquiry???????? And now two companies have my personal info??????? This is so wrong per many sections of the FCRA!!! Are we becoming a third world country?
Product: Credit reporting or other personal consumer reports

Upon review of my most recent credit report I noticed credit inquiries with ( XXXX, XXXX XXXX Equifax ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX