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

I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/year>. I had established instructions for them to transfer the amount when closing to an account on XXXXXXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. 

The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. When logging into the Marcus app on my phone, there is no history at all of my account. When logging into the Marcus website on my computer, the account exists but it is not possible to transfer the money.

I have called Marcus today and they are telling me that I need to engage in a three-way call between them and the receiving bank the confirm that I own the account. It is unacceptable that I can not access my money, and that Marcus engaged in zero effort to contact me to ensure that I have access to my funds. This is a deceptive business practice as they continue to earn interest on my money, as it has presumably been lent to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI did not complete investigation of my Bankruptcy that was sent to them in XX/XX/2022. In fact, on XX/XX/XXXX they requested 60 more days to investigate ( which I do not give permission ). under Federal law it is my right to have investigations completed within 30 days or have the tradeline deleted if this is not completed. as of today, the public record Bankruptcy is still showing on my credit file.
Product: Credit reporting or other personal consumer reports

There are unauthorized credit inquiries on my credit report that I do not recognize, please delete these inquiries as I did not give anyone permissable purpose to run my credit. Attached is the ftc report filed in this matter. The inquiries are as listed : -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had borrowed  $XXXX for 30 days.  Payback was to be $XXXX. To be repaid on XX/XX/XXXX.  The funds were there!  My account was debited twice, and credited once.  Received an email attesting to this error.  XXXX said it would be corrected by the end of the business day on XX/XX/XXXX, or at the very latest, XX/XX/XXXX.    As of today, and after numerous phone calls, emails, I still do not have my money.I simply want my money back.  This whole incident has been a travesty.  I have provided proof that they deducted the monies X's 2.Hopefully you will be able to help me to recover my money.Sincerely,
Product: Mortgage

I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!
Product: Credit reporting or other personal consumer reports

Thank you for addressing and removing some of the inaccuracies in my credit report. There are still a few items left that require further removal. I am reaching out for the fourth time to inform you that my credit report contains erroneous details that have caused me harm. I am disputing these specific items in my file, as they stem from this issue. The items in question are not associated with any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. I request that you remove any information in my credit file that has resulted from these inaccuracies : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. I am unfamiliar with these items, and I have concerns about the accuracy of the information provided. Additionally, these items have already been removed from other bureaus, and the reported payment history on them remains unclear to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to rescind.
Product: Debt collection

In XX/XX/2018 I signed on with XXXX for a membership as I started up a Flower Shop ( XXXX XXXX XXXX XXXX XXXX in XXXX OH ). I signed a contract with them for the membership. What they fail to tell you is that you will be assent an exorbitant amount of fee 's monthly. You buy their products/flower containers, you purchase all the flowers for their wire orders and then you are charged on top of that a 27 % fee per order. They do not tell you this when signing on. They tell you you are going to make money. I now owe a very large flower bill that i am trying to pay down. The other thing is that they control the amount of wire orders you get and the dollar amount. They have put their fee 's so high ranging between {$1500.00} to {$1800.00} a month. Well if you are getting the necessary amount of wires, then you owe them money each month. They have since placed my account with a collection agency ( Contract Resolve Group LLC ) Since then my employee was told that they would place it on my personal credit and it would be destroyed. I was also sent an email from then now saying they have spoke to XXXX and they are now going to file a lawsuit if i don't pay it. I did over {$14000.00} in wire orders for XXXX and I received less than {$3000.00} back from them. This has caused me a huge financial hardship. I owed XXXX nearly each month and I was once again spending my money on their products and their flowers to fill their orders. Once again they control the amount of wires you get and the dollar amount. Their intent is you pay them and my intent was to make money with they. I asked repeatedly for help and they lowered my fee 's and I still owed them money. This business practice is Unfair and Deceptive. They should be fully investigated about their business practices and what they are doing to florists. This cant continue. As far as I am concerned they owe me money. The collection agency reps have been very nasty and hateful when they spoke with my employee and they discussed my debt with him. Please investigate XXXX and Contract Resolve Group LLC they cant say when they did to my employee, threaten to put this on my credit and sue me.
Product: Debt collection

Earlier this year, COLLECTION BUREAU OF AMERICA reported a collection on my brother 's credit reports who never lived in XXXX Texas. He filed a complaint with CFPB ( XXXX ) against this company on XX/XX/2020. The company responded with a letter ( attached to this complaint ) and associated me with an address that I never lived at and reported Collection under my Social Security Number. I have attached a record of my student apartment 's lease payment where I lived for years. 
COLLECTION BUREAU OF AMERICA has a very poor reputations that can be seen on the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this year I went into a dealership with a prior approval for a vehicle with my financial institution, XXXX. I had advised the finance and sales rep that this was the case, but I come to find that my credit was pulled by JPMorgan Chase without my authorization. Attached you will find a letter I sent to XXXX and them advising me to dispute with the creditor.
Product: Credit card or prepaid card

I received a {$10.00} promotional prepaid gift card from XXXX XXXX XXXX XXXX XXXX XXXX now owned by Syncapay , Inc. XXXX for completing an online rebate form after I purchased a graphics card from XXXX XXXX. 

The card expired in XX/XX/2021, and when I called XXXX 's customer service line on XX/XX/2021 to see about my options for retrieving my funds, they told me that the funds had expired along with the card, and there was no way for me to retrieve my funds. My money was essentially gone.
Product: Credit reporting

I reported it in XXXX of XXXX, it is still affecting my family and we have lost everything since the incident occurred in XXXX.
Product: Checking or savings account

Charges by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, were all scam related charges ranging from XXXX that went overlooked and not flagged by chase for months. They were inconsistent with any accounts I had an chase fraud detection was useless to me. I eventually noticed, contacted a chase representative, filed a dispute, requested a thorough digital investigation. I was told that if the dispute was settled-per Chase company policy-it would only be for up to 60 days, leaving me at a loss for all of the other scammed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

PROCOLLECT , INC XXXX - Collection XX/XX/year> Paid, Closed. 
XX/XX/year> -- XX/XX/year> Original Creditor PORTICO APARTMENTS/ XXXX Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : {$3300.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I am requesting this collection to be removed from my credit report. It was never communicated with me before reporting me to credit bureau the chance to pay.
Product: Checking or savings account

On XX/XX/XXXX s wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX for XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX @ XXXX On XX/XX/XXXX I went into branch to pull funds from wire transfer And was told to wait for approval from manager for XXXX I waited in bank then was pulled aside by manager and was asked questions regarding the transfer, if I knew the person who sent the transfer I said yes, he was a referral I recv 'd from a friend. She asked me, if I ever met him I said no, she said I am sorry to tell you honey this is fraud. She said she was transferring over to the fraud department for investigation. I said but all the transfer came from the same person and there was no issue on the other wire transfer. She said nothing, just said I'm sorry this is fraud and it can take up to XXXX for them to complete to investigation. 
On XX/XX/XXXX I went back into branch and asked to speak with manager again. I waited about 15min before she came out. She didn't like that I was there again and stated to me that the investigation wasn't going to be over anytime soon, I said well the funds where verified and everything should be good. The 3rd party went into the branch where he lived and they told him it didn't matter they were not releasing funds to anybody. She didn't care about helping me at all. She said she was sorry there is nothing they can do. And funds will not be released. 
On XX/XX/XXXX I went back into branch to see if they got the verification yet and the manager said no and she said they completed their investigation and found that it was fraud and that I will be black listed for this. I said it's not fraud and none of this makes since. I asked what is going to happen to the funds will they be returned to the original owner? She said no. No one is getting the funds she said because its fraud they will be keeping the funds. I asked her to show me how it was fraud and she said she couldn't because it was against bank policy and that she recommend I get a lawyer to find out why it was fraud. 
On XX/XX/XXXX I called the fraud department to see if I could get somewhere with them. They told me that they weren't too sure why the claim had been but on fraud alert they weren't showing any kind of issues on their end. But they said it was put under investigation for fraud. So I waited till the next day On XX/XX/XXXX I called the fraud department again for an update and I got that they were not allowed to discuss it with me anymore that I had to go into branch and show two forms of ID. Well I had went into branch 3 times I wasn't going in again to be told nothing. 
I am very confused as to why this has been handled this way with no explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Campus Partners, XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Product: Credit card or prepaid card

The Bank of America still refuses to give me the cash rewards that it admits I earned. The sum is {$240.00}. I made a trip to its branch in XXXX, New Jersey and two trips to its branch in XXXX, New Jersey. The Bank of America marketed to me that the rewards program was " easy '', that redemption of cash earned would be " easy ''. Nothing of the kind! 

All I get are words and promises from the bank employees but no cash rewards! 

The cash rewards should have been immediately given to me. It is now nearly seven ( 7 ) days later and still no cash rewards given to me that now total {$240.00}! 

Is it that the Bank of America is so greedy for money that it refuses to turn over to me my cash rewards of {$240.00}! 

My fear is that the Bank of America shall because of my complaint to you close my accounts. That would be a most serious matter-an obstruction of justice and interference with government! Both are felonies!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. XXXX, XXXX and XXXX, before the account became a charge off, my credit limit was {$2500.00} and as of today, capital one is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe capital one {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by capital one. I do not find it fair or correct that capital one is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Product: Mortgage

Wells Fargo is stating that they did not receive my mortgage payments for 4 months which I learned this new information on XXXX XXXX late that evening and that my house was in foreclosure. My last payment was on XXXX XXXX of 2016 and when I called to check on my payments they said everything was fine. On the XXXX XXXX When I found out that they had a place my house in foreclosure right after making my payments. Now I am presently being investagated by Wells Fargo for their mistakes. Which they have change the resolution dates for their findings three times and it 's XXXX XXXX. They are refusing to deal with me and advised me to contact you all after a disagreement. They are saying that all long they had the wrong account number but in XXXX they used the same account number save XXXX which they got their payments. I have not received any notices that they had this problem nor my house was going in foreclosure until 6 days later after making my house payments. Please help me..
Product: Credit reporting or other personal consumer reports

When I received my personal credit report, I noticed a debt being reported Experian. 
XXXX XXXX XXXX number XXXX Though I have not yet received a verification of said debt, in the event that it is verified, I do have an offer to present to your company. 
This offer is NOT a renewed promise to pay nor is it even valid if your company does not sign and date the letter and return it to me. Again, I would also like to point out that I still do not have an actual validation of debt and I am holding my right to ask for proof in the future. 
I am aware of your right to report in whatever way that you see fit, just as I am sure you are aware of my right to request verification and dispute this debt if I feel it is inaccurate. Which is why paying this debt without first reaching some sort of agreement might result in an account showing paid in settlement, which is not favorable to me. As I said before, I am aware that you have the right the absolute right to report this debt as you see fit OR not report it at all. 
My mission with this letter is to come to an acceptable agreement for both parties involved.
Product: Prepaid card

So here is the issue and I will attach all proof to this complaint, I filed a case on XX/XX/XXXX, my document was requested on XX/XX/XXXX and I sent it, the company confirmed receipt of this documents via email, this case would take XXXX days, this case would end XX/XX/XXXX, to my surprise this company sent me a letter on XX/XX/XXXX that my case will be completed XX/XX/XXXX, this company lies a lot as this is not part of the card agreement before XX/XX/XXXX, I will not be violated
Product: Mortgage

I have filed 2 complaints in the past few months where nationstar mortgage continues to ignore the fact the Plaintiff, owner of my mortgage " XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as XXXX XXXX XXXX  to XXXX XXXX XXXX as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX has not existed since XX/XX/2007 and when asked them to provide proof my mortgage was still still owned by the alleged owner, they still refuse to provide proof the plaintiff exists. So attached to this complaint is a copy of the actual CERTIFIED, SIGNED DOCUMENT FROM THE SECURITY AND EXCHANGE COMMISSION OF THE UNITED STATES OF AMERICA, SIGNED, DATED WITH A GOVERNMENT SEAL showing the trust Nationstar mortage claims my mortgage is owned by does not exist. Also the New York State Department has no record of this trust as again, it does not exist. Nationstar 's filing with the court that gives instructions to anyone bidding on my house for the foreclosure action, they will not guarantee the title and it is written in the filing that no one can do any recourse against the Plaintiff for a bad title. This is more proof, Nationstar Mortgage knows the Plaintiff is not the plaintiff and the title is no good. Their claim that I defaulted on a modification with the " plaintiff '' is also not true. The modification clearly shows a different lender and I never talked to the " plaintiff '' about a modification, nor agreed to one with them and the " Plaintiff '' Never signed the modification, nor are they listed anywhere on the Modification. Attached is that file as well. Bottom line, Nationstar can not come up with any proof to dispute my claims, only just to say the service my mortgage on half of the plaintiff which is hearsay. The only way that Nationstar Mortgage can verify their claims is for them to produce evidence my mortgage was deposited and currently in the trust and that the PLAINTIFF provide an affidavit claiming the infact they do own my mortgage. How can the SEC Security and Exchange Commission provide a certified government sealed document showing the trust listed as the Plaintiff does not exist, but Nationstar continues it's talking points? It can't.