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

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX, XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I am requesting assistance from CFPB to have Marcus Bank pay its promised {$100.00} bonus that I signed up for on XX/XX/2022. I have contacted the bank about this matter. The bank insists that I signed up for the promotion after I funded the account. But the fact is I signed up for the promotion as I opened the account and before it was actually funded. I am providing the screen shots to prove this ( the bank did not ask for any proof from me ; they just simply denied the bonus ). 

I believe the denial has to do with a systemic error on the banks part. When I checked my interest on XX/XX/2022, Marcus asked me again to sign up for the promotion. Just to make doubly sure I was enrolled in the promotion, I clicked on the bar to enroll. Now Marcus is insisting that I enrolled in the promotion on XX/XX/XXXX, not when I opened and funded the account on XX/XX/XXXX ( even though the attached screen shots made on XX/XX/XXXX show otherwise ), so I am not entitled to the {$100.00} bonus. I believe that Marcus intentionally sent a confusing promotion to me on XX/XX/XXXX to sign up again so that it could eventually avoid paying the bonus -- -a classic bait-and-switch tactic. 

Here are the facts : I signed up for the {$100.00} promotion on XX/XX/2022 following the prompts as indicated ( see attached ). 

The required {$10000.00} was sent on XX/XX/2022 to my new Marcus account ( actual amount deposited was {$10000.00} ). This balance was maintained in the account more than the required 90 days. 

I had no reason to believe that I was not enrolled in the promotion, because I followed all of the prompts online for the promotional offer on XX/XX/2022. 

I checked my interest on XX/XX/2022. Marcus sent an additional offer to sign up for the {$100.00} bonus. Just to make sure I was enrolled, I clicked on the button to sign up for a second time on XX/XX/XXXX. 

When the promised {$100.00} bonus did not pay out on time, I called Marcus customer service on XX/XX/2022 and spoke to XXXX in XXXX. I was told that I funded the account before I enrolled in the bonus offer. When I stated that I actually enrolled in the offer when I opened and funded the account on XX/XX/XXXX, XXXX, the representative said it would be investigated, but never asked me for proof of the screen shots I took as I opened the account. I was told I would hear a response in 1-3 business days. 

A representative never followed up on my case, so I called again on XX/XX/2022. XXXX told the same thing I was told originally : that I funded the account before I was enrolled. He also did not want proof of screen shots of my original enrollment in the promotion on XX/XX/XXXX and was not interested in helping me resolve this matter. 

I am a senior living on a fixed income. It appears that Marcus deliberately set up a system to take advantage of vulnerable customers like myself so it could concoct a reason to use my money at a low interest rate for XXXX months without having to pay out the {$100.00} promotion. Would CFBP please ensure that Marcus is actually delivering on what they had promised by having them pay out the {$100.00} promotion to me? Thank you.
Product: Checking or savings account

On XX/XX/, I called Optum Bank, my XXXX and XXXX  provider, and asked for an explanation as to why my and my husband 's new XXXX cards were sent addressed to my husband only, particularly because I am the primary account holder, the account is through my employer, and I am the only one actively managing the account. I expressed concern about how this possibly could have happened and strongly suspect gender bias is integrated into Optum 's systems. It is in our recent history that women were allowed to have bank accounts without the permission of their husbands, and this bypassing of myself could be indicative of wider problems with Optum 's apparent bias and inclusion. I am requesting a written explanation for how this happened and an action plan for how Optum is going to prevent this from happening to myself and other women in the future. I asked to be escalated to a supervisor and am still hold. I've been on hold for over 45 minutes now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

We have been working on a XXXX short sale with Shellpoint Mortgage - they set a sale date and foreclosed on the property today. They have foreclosed for {$48000.00} less than what was being offered to them on the short sale and the offer was above their determined Value
Product: Checking or savings account

This issue took place once I requested a Medallion Signature Guarantee regarding me updating my name on my XXXX account. The individual who had the authority to provide me with the Medallion Signature Guarantee started questioning me regarding the XXXX account, he was hostile and demanded to know how much money was in the XXXX account, what I was investing in and what did I need the Medallion Signature Guarantee for. I advised him it was for a name change form that was sent to me via XXXX. 

After he refused to provide me with the Medallion Signature Guarantee even though I had my decree letter in hand which was what I was advised needed to be presented and with the court seal on it he still refused to provide me with Medallion Signature Guarantee. I then decided to closed my account with Wellsfargo due to the horrible customer service. 

Even thought I closed the account I requested access to pull up both XX/XX/XXXX and XX/XX/XXXX account statements and was advised that they should be accessible, but they are not because my access had been limited. 

Wellsfargo has been contacted numerous times regarding the access to the account so that I could have a copy of all my transactions performed during my time as a Wellsfargo account holder. The has emailed me several copies of the XX/XX/XXXX statement but not once have I received the XX/XX/XXXX statements and I have requested them three times now.  Nor can I login and pull them down as a PDF file on my own. 

I believe this act was caused due to me complaining on the man who could have provided me with the Medallion Signature Guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Experian in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Experian. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting t Experian and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Experian as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with XXXX XXXX XXXX was subjected to fraudulent activity. Despite my prompt reporting of this fraud, XXXX XXXX XXXX failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : XXXX XXXX XXXX locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : XXXX, XXXX, and Experian. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( XXXX XXXX XXXX ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with XXXX, XXXX, and Experian. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately. 
Cease Harassment : Stop all automated and unsolicited calls related to this matter. 
Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Product: Checking or savings account

While I was banking with navy federal, I was often charged a overdraft fees everytime I overdrafted my account. And that was often. Almost every pay period. And they was not supposed to charge me a fee.
Product: Debt collection

received letter on XX/XX/23. Faxed response on XX/XX/23. Toll violation of {$1.00} that they are trying to collect XXXX for. As of XX/XX/23, I have received NO information on verification that this is my debt. I provided copies of my credit card statement showing I was moving and had rented a XX/XX/XXXX for that time window, as well as my toll transponder statement showing NO travel either. Even provided my checking account showing I had never left city limits during the time in question. I had not been to the toll plaza XXXX miles away. 

Company is Linebarger Goggan Blair & Sampson, LLP XXXX # XXXX
Product: Debt collection

I have 2 ARS collection notices, I was not notified of a medical bill ( s ), I was never provided with the Dr. information, date of service, itemized charges, I have requested information and have not recieved any proof from the collections that this is mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the recent unauthorized reporting of my personal information and transactional history by your agency. This correspondence aims to bring to your attention the serious legal implications associated with this unwarranted intrusion into my financial privacy. 

It has come to my attention that your agency has reported information related to my credit history, including details of late payments ( 30, 60, 90, 120, and 150 days late ), charged-off status, hard inquiries, and false aliases that do not accurately match my credentials. The information in question includes my name, phone number, residential address, and purported employment. '' I must emphasize that no prior written consent has been obtained from either myself or a judge, rendering this act a blatant violation of my rights to privacy. Furthermore, this unauthorized reporting is in direct contravention of Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as various other laws pertaining to fraud, defamation of character, and identity theft. 

This egregious breach of confidentiality not only jeopardizes my financial standing but also exposes me to potential harm and damages. As a consumer, I am entitled to the utmost protection of my personal and financial information, and your agency 's actions have fallen egregiously short of meeting these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to I C Systems Collections who then reported my account as delinquent in XX/XX/XXXX ( SEVEN YEARS LATER ). Luckily I kept the original Dispute Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019
Product: Mortgage

I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.
Product: Bank account or service

To CFPB, I 'm writing this letter to find out how I can get my money back from a business checking account with Santander in MA. My checking account was closed without reason on XXXX XXXX 2016 and without any notification thru mail, email or telephone prior to that closure. In addition, I tried to called Business Customer department XXXX, who are unable to provide any answers except that the account was closed and that I should visit a branch to find out more info. 

I did visit the Santander branch on XXXX XXXX XXXX in XXXX MA, where I spoke with the Branch Manager named XXXX XXXX. However, after he spent some time investigating what happened to my account, he was unable to provide an answer only except that he saw a note saying that the Santander Compliance Department had closed the account and that it was n't a case of fraud. Thus no official complaint was logged and he was unable to provide further assistance. His email is XXXXXXXXXXXX, XXXX, XXXX ID XXXX. 

Thus I am writing this complaint letter to CFPB as a request to look into why my accounts were closed without notice as required by state and federal law. Second, I request that Santander returned {$5300.00} from # XXXX and {$55.00} from # XXXX as soon as possible as I need those funds for my business. 

Thus, please provide a response to my above requests and provide a check for the amounts requested which was unjustly taken from my account. If the Compliance Department did not close my account, then I would like to register a case of fraud that my account was cleaned out not by me as I was n't at the branch on that day XXXX/XXXX/2016. I have attached a copy of the bank statements in question for your reference. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

Called made arrangements as I am XXXX with no income. Got ongoing harrassment..assurances of everything fine with follow up email to come ..never came .several more calls..more threats same thing again..assurances and email to confirm never came. Now all quiet but still on credit report and tried to file credit ( potential ) fraud to XXXX  yesterday ( on separate issue ) and could not remember Navient as potential collector.
Product: Mortgage

My loan was sold and Shellpoint Mortgage Servicing handles the payments. They direct you to go to their website, but their website does not work. www.shellpointmtg.com and XXXX, I log in and it just gives me a blank screen. I've talked to them numerous times about this issue ( IT service request # XXXX ). At one point in time when you'd log in the screen would jump around, but at this time it is only blank. I have called them and tried to figure out if it's a browser problem but they were no help. I have tried on XXXX and XXXX XXXX and the same issue happens. I own XXXX homes and have XXXX mortgages so I know how important it is to be able to go online and be able to get information about your loan and download documents. 

Screenshots are attached in one pdf. 1st screen is where I log in. 2nd page is after I've entered my login info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing derogatory information that Transunion is reporting for an account on my credit report. The account is with XXXX XXXX XXXX Mortgage which they are reporting 120 days late. I was never late 120 days. I was only late on this account in XXXX of XXXX. In XXXX and XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX and XXXX aren't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. I am demanding that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX and XXXX are not reporting lates.
Product: Checking or savings account

I had a credit card with USAA and on XXXX XXXX, XXXX, paid off the entire balance of {$4100.00}. Around XX/XX/XXXX, I received a statement with {$33.00} in finance charges. I was not expecting this because every month the finance charges were assessed at the end of the billing cycle between the XXXX - XXXX, which is when I made the payoff payment, I called to question the finance charges and ask for them to be reversed. The representative would not reverse the charges and was very rude to me. I refused to pay the finance charges and closed my account. A few days later, on XX/XX/XXXX, the finance charges were automatically taken out of my checking account without my authorization. I called USAA to make a complaint and was told I had to wait 10 days. I made a complaint with my bank, and on XXXX XXXX, XXXX, the money was returned, but the credit card account was hit with a return check fee of {$25.00} and an interest charge of {$.00}, and nothing had been done regarding the fraud. Today, XXXX XXXX, XXXX, I see a credit in my checking account with the description XXXX XXXX XXXX for {$33.00}. which made me check my USAA account where I see all the charges, I again call USAA to explain the situation and ask for the finance charges and fees to be reversed. The USAA rep took a record of my complaint and transferred me to another dept. This happened several times until I reached their fraud dept. USAA 's fraud dept refunded me {$50.00}, leaving a {$9.00} balance on the credit card, still insisting I owed the finance charges and again did nothing regarding their fraudulent act of making unauthorized automatic payments from my checking account. 
I had authorized payments scheduled to come out on the XXXX of the month. I turned them off in XXXX before I made my payoff payment. There was no automatic payment on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX, only the unauthorized one on XX/XX/XXXX. 
USAA may say I owe them finance charges, which I do not, but they have no right to take money from my checking account without my authorization.