23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Great Lakes added a remark to my account that dropped my credit score 26 points ( XXXX ) and 20 points ( XXXX ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, Great Lakes removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( XXXX ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
Great Lakes hasn't communicated with me at all.
Product: Checking or savings account

I experienced 4 main issues with my accounts. 

1. I set up an overdraft protection process where a savings account would be debited for times when the account went over balance. I have been charged overdraft protection fees even if this account was set up.

2. My free checking and savings account suddenly started to get deductions of account maintenance fees when they had not been present before.

3. I noted many inconsistencies with the debiting and crediting of the account balances that seemed to leave the account with lower balances than expected. I called many times to query this and was told all the amount were debited correctly.

4. I ordered a ATM card for my debit card, the card was mistakenly incorrectly linked to my mother 's account. Since then, I have not had access to a debit card on my account.

I have had some concerns over my accounts for the last two years, the debit credit system of accounts has significantly changed with Wells Fargo, with transactions failing to post in a timely manner. I have called on 3 different occasions questioning my balances and visited the branch on several occasions with those queries but seem to not be able to substantiate those inconsistencies.
Product: Money transfer, virtual currency, or money service

I am a mother of three children. I had my last child on XX/XX/21. On XXXX Wells Fargo phone number called me to inform me there had been fraud on my account in the amount of XXXX. The transaction was pending so I called the bank to have them stop the transaction. They refused because it was done through XXXX and told me it would be a learning experience and they would not be refunding my XXXX. The fraudster had Wells Fargos phone number their hold music and I did not give them any information on my account but they had it all. I am now at a loss and unable to pay my mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

My XXXX account was hacked and they took out loans. So I called the company and they told me I had to provide proof of fraud before they would even investigate it standard banking procedures have it where you could report fraud and they would investigate but they told me to get back to XXXX, which is not standard procedures in the bank and industry, they are not following standard banking loan procedures. I told him I reported it to the local police, but theyre still not helping me.
Product: Vehicle loan or lease

As of XX/XX/2023 my vehicle was sent to the body shop for repairs. Once the repairs are done, my finance company ( CNAC ) will not sign off on the insurance check because I will not agree to put new parts on the vehicle because it was sold to me without new parts. At this time they are holding my car and the insurance check issued to me. I will not put new parts on the vehicle as it was sold to me with damage to the bumper ( approx. 2 inches of the top left corner of bumper on passenger side was already not attached, also the paint under the front vehicle tag was already peeling ). I feel as they are trying to make the insurance company pay for replacement parts because they are paying for it and they didn't put on replacement parts before selling me the vehicle. I would like the company held liable for fraudulent information and unethical practices with the customer ( Me ). I fixed the retainer clip and replaced the headlight as what was damaged and they are making more items just so the other persons insurance company can pay for it. 
Also the body shop has already done the work and CNAC finance company XXXX XXXX XXXX XXXX XXXX doesn't want to pay them for the work they've done. they are applying alot of shady practices. All involved is the General manager for XXXX XXXX JD Byrider location, XXXX XXXX XXXXaccount rep, also XXXX - Account mgr. 
I was informed by the insurance company that it was my decision where to get the repairs done and if the repairs are done and CNAC/JD Byrider is not following those guidelines.
Product: Checking or savings account

I am writing to file a formal complaint against Marcus Goldman regarding their failure to credit the promised bonus to my account. I participated in their promotion, which required depositing {$10000.00} to receive an extra {$100.00}, in XXXX of this year. Despite meeting all the necessary conditions, I have not received the bonus. 

Here is a timeline of the events and interactions I have had with Marcus Goldman : In XXXX, I deposited {$10000.00} into my account to fulfill the promotion requirements and become eligible for the bonus. 

The bonus appeared on my account initially but stopped showing up in XXXX. 
Concerned about the missing bonus, I called Marcus Goldman 's customer service and I was informed that there was a technical error but assured that I was still eligible for the bonus. I was told that the bonus would be credited to my account on XX/XX/XXXX. 

On XX/XX/XXXX, as the bonus did not appear on my account, I contacted customer service again. I was instructed to maintain the account balance until XX/XX/XXXX. 

Following their instructions, I kept the balance in my account and called customer service once more. On this occasion, I was assured that I had met all the conditions and the bonus would be credited within 1-3 business days. Additionally, I was informed that I was free to move the balance in my account. 

Based on the information provided, I removed the {$10000.00} from my account on XX/XX/XXXX, expecting the bonus to be credited soon. 

Today, XX/XX/XXXX, I engaged in a chat conversation with a Marcus Goldman agent who was not only rude but also claimed that my account was not eligible for the bonus because there was no balance. This contradicts the information previously given to me and is extremely frustrating. 

Throughout this process, I have been constantly fed inaccurate information and denied the promised bonus, despite fulfilling all the requirements. This situation has caused me significant inconvenience and has damaged my trust in Marcus Goldman.

I kindly request your intervention in this matter. I believe that Marcus Goldman should honor their promotional offer and credit my account with the {$100.00} bonus as originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : TRANSUNION CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX XXXX, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-XXXX XXXX ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

XXXX XXXX  AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY TRANSUNION CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX-Tuesday, transunion is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

This complaint is not directly my bank 's fault and since it's XXXX XXXX, XXXX, I am filing this complaint with the FTC and every organization I can because of the fraud. Here 's what happened : On XX/XX/2020, I received an email from my Office Landlord, XXXX XXXX, with my normal monthly Invoice, nothing was suspicious. As Tenants, we get benefits if we pay early and all Tenants are encouraged to use XXXX or a direct bank transfer, which I have been doing for the past 4 months. I usually pay the invoice of {$540.00} within 7 days. 
On XX/XX/2020, I received the first of 4 emails from " XXXX XXXX '' requesting that if possible, to submit payment sooner due to year-end bookkeeping. Again, nothing suspicious. Here 's the emails : # 1 Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 2 days ago ) to me Good Morning, I am writing in regards to the XXXX Rent invoice which I emailed to you yesterday. 
We would want to inform you we have made a little change on the payment method and details. 
Kindly Confirm when you intend to send payment so we can provide you with details to make payment to. 

Hope to receive your response today. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 1 day ago ) to me XXXX, You could XXXX to the details below today as we need to get our book balanced, If you use make use of XXXX then also is fine but below is the XXXX details. 

XXXX : XXXX XXXX Name : XXXX Last Name : XXXX Kindly send me the receipt of the payment when done. 

XXXX. 

# 3 Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 1 day ago ) to me Did you get the details i sent to you? If you want we could send a wellsfargo account for wire transfer as i said we are trying to get the books balanced. 

XXXX # 4 Email : XXXX XXXX XXXX XXXX ( 4 hours ago ) to me XXXX, Hope you are doing well. I want to ask a request from you if you can help me get it done. 
Reply when you see this so i can send details. 

XXXX By the time I contacted XXXX via Text message, I had already sent the money ( {$500.00} ) from my account at Wells Fargo to the fraudulent email address using XXXX. I found out that XXXX XXXX email account had been hacked through XXXX and his email was changed to create the fake emails requesting money. Because the email was actually listed in my Contacts with my XXXX account, I never saw the different email for XXXX. It just said " XXXX XXXX '' in the " From : '' line. How did it get into my Contacts? I do not know. The real XXXX XXXX then sent an email informing everyone of the hacker but I had already transferred {$500.00}, my daily limit for a new email address. 

I am filing this complaint for documentation purposes and I will contact Wells Fargo as soon as they can respond. I have already called them but no one is available to talk. I definitely want my money back and want better protocols through my bank for protection against fraudulent hackers.
Product: Credit reporting or other personal consumer reports

I recently attempted to get approved for a XXXXXXXX XXXX  Care Credit card on XXXX. I received a denial letter on XXXX. On XXXX, I also noticed Experian and Equifax reported {$2200.00} usage on the XXXX Bank Care Credit card that I was denied for. TransUnion is accurately not displaying XXXX Bank because I was denied via pre approval I am demanding Experian and Equifax delete this account and the associated hard inquiry from my credit report immediately
Product: Mortgage

NATION STAR FILLED A SATISFACTION OF MORTGAGE.   I NEED A LETTER FRO M NATIONSTAR WI TH THEIR LETTER HEAD STATING THAT I OWE NO MORTGAGE WITH MY NAME ON THE PROPERTY  XXXX   XXXX   XXXX   NATIONS STAR 'S   COMPUTERS STILL SHOWS I HAVE A MORTGAGE i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with  XXXX . this doc was available in  XXXX . I downloaded the satisfaction of mortgage doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 months now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.
Product: Debt collection

I am still getting phone calls, letters on a debt that is not mine. If you review all the CFPB case history, this is an uncollected debt, not mine, this company, XXXX XXXX XXXX has not been a viable business for many years. They are still reporting this debt on my credit report, many times they have said this case is closed via CFPB and allegedly it was and they keep attempting to sell this debt for collections. I want this stopped and removed on my credit bureaus on all three bureaus. You last case number that was closed was XXXX
Product: Student loan

I had to go on long term XXXX XXXX XXXX, XXXX. I called Sallie Mae asking for different payment arrangements fur to me not working. Sallie Mae would not work with me or offer me any type of forbearance in which I did n't have to pay a fee. They call me relentlessly and my family and I have reached out to Sallie Mae calling them back and they offer no options for someone like me on lomg term XXXX. The last person I talked to threatened my account would eventually be taken to court for XXXX. I asked him why XXXX was willing to work with me ( another private loan I have XXXX and why they wo n't. He said there are no other options available for me and he will keep my account in collections. So I asked if he was going to quit calling my extended family and myself relentlessly since he does n't have any options for me and he said no. They call my extended family and myself at least XXXX times a day and when I answer they do n't help me. The fourth time I called Sallie Mae the lady I talked to asked if I had a friend that could pay my past due amount of XXXX. This company has been harassing me when I have told them I can not afford payments at this time and they offer no resolution when they do harass me. Before my XXXX I made each Sallie Mae payment on time.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Money transfer, virtual currency, or money service

I initiated an international wire transfer on XXXX XXXX to XXXX for {$8000.00} from XXXX XXXX  with a intermediary bank of JP Morgan XXXX The beneficiary bank was XXXX XXXX in XXXX and they were able to confirm that the the transfer was initiated but the money was placed on a hold in the intermediary bank ( JP Morgan ). I called multiple times in XXXX customer care but got no answers and they were not able to track happened to the transfer. In one such inquiry I was notified that my funds were present at the XXXX  XXXX XXXXNow I did not intend my funds to go to XXXX at all, yet no one is able to tell me how and why it went there. Finally, the money was not able to go through till XXXX XXXX. On that day, I ordered the funds to be recalled but I have still not recieved my money back as of XXXX XXXX and the customer care support team of XXXX keeps giving me unclear responses that the money is on hold at JP Morgan and they don't have it. 
I am still not clear of what happened and what went wrong.
Product: Credit reporting or other personal consumer reports

Hello, I am currently applying to apartments, and they go through Transunion and use the resident score. I reached out to Transunion to see if I can obtain this information as I have the right to any information about me. FCRA states consumers have these rights. They went on to ask if I have had a background check down. Explained that I have not had one done recently through Transunion but through others like XXXX. I went to ask how I can go about submitting a background check and obtaining my Resident Score report. I was told that is only if I apply through the XXXX XXXX application but not all properties use that. At the end of the call, I got no information on my report or a way to access my report. Just like credit score consumers should have rights to know what information is being shared and what is on the report. We aren't even sure where they are getting the information from and what is even inaccurate. This just seems illegal! No disclosures were read to me or anything. People do not have money to waste on applications to just get denied over a score we know nothing about.
Product: Mortgage

XXXX XXXX XXXX initiated foreclosure proceedings prior to the one year redemption following my mothers passing on XX/XX/XXXX. Prior to XXXX XXXX XXXX acquiring the loan in XX/XX/XXXX, the reverse mortgage was being serviced by XXXX XXXX. XXXX XXXX was notified of my mother 's death on XX/XX/XXXX which is the date the one year redemption period initiated. Quarterly updates were provided to XXXX XXXX and XXXX within the quarterly deadlines which I have attached for your review and validation. 

The dates below will outline the One Year Redemption Timeline and Quarterly Update Deadline Requirement ; XX/XX/XXXX- Date of Death XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- One Year Redemption Expiration Below, please find the itemized breakdown of the actual written quarterly Extension Requests I provided to XXXX XXXX and/or XXXXXXXX ; XX/XX/XXXX- Date of Death of Mother XX/XX/XXXX- Written Quarterly Extension Request to XXXX XXXX XX/XX/XXXX- Copy of Listing Agreement and photos to XXXX XXXX. The Quarterly Extension request was also provided in this e-mail communication. Please note that XXXX XXXX stated that as long as the extension request is submitted on or anytime before the deadline extension would be sufficient. This is where the internal error occurred. 

XX/XX/XXXX- Written Quarterly Extension Request to XXXX XX/XX/XXXX- Request for Mortgage Statement/Welcome Letter When I received notification that foreclosure proceedings were initiated on XX/XX/XXXX via NOD, I immediately notified XXXX of the violation. Communication was established with supervisor XXXX, Rep ID # XXXX regarding this issue. Per XXXX, there was a final Quarterly Deadline Extension date of XX/XX/XXXX which is NOT legally correct and that they did not receive my final request until XX/XX/XXXX. It is my belief that when XXXX XXXX inserted my extension request into their mortgage system on XX/XX/XXXX prior to the transfer to XXXX, XXXX XXXX   placed the effective date of the extension of XX/XX/XXXX whereas it should have been for XX/XX/XXXX ( Actual deadline Date ). This is where the internal error occurred. By the associate entering the effective extension date of extension for XX/XX/XXXX, it reduced my one year redemption period to 11 months. 

To this date, nothing was resolved. Based on the timelines above, the soonest that XXXX would have been able to initiate foreclosure would have been on XX/XX/XXXX. I have attached all supporting documentation including all written extension requests that were submitted electronically ( e-mail ) to  both XXXX XXXX and XXXX. All supporting documentation has been provided to XXXX to no resolve.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.