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

I've had a XXXX credit card with Marcus since XX/XX/XXXX. Since then I've opened XXXX  and a XXXX account. 

On XX/XX/XXXX I received an email from Marcus entitled " Lock in this rate on our promotional XXXX  term ''. The email states, " Special promotional XXXX  term XXXX High-Yield XXXX XXXX XXXX XXXX '' Underneath the above verbiage is the following : Hi XXXX, Now is XXXX great time to boost your savings with our XXXX XXXXand its even better with this special promotional term : Open a XXXX XXXX XXXX and earn XXXX XXXX XXXX  Offer expires XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX When I logged into my account to open a new XXXX  the offer for the same type of XXXX  and term is now XXXX XXXX 

I called Marcus customer service and was told the rates had changed. I referenced the letter I received ( noted above ) to the representative and asked if they were going go honor the rate in the email of XXXX XXXX  and she said no. I said that was false advertising. I said well, the XXXX  has not changed their rates and she said their ( that is ; XXXX ) rates have changed. At that point I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with experian reporting my capitol one credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. Capitol One reports to all 3 agencys its on my XXXX  and XXXX XXXX but not XXXX. XXXX tells me to call Capitol One, Capitol one tells me to call XXXX. This has been since XX/XX/2019 with no resolve. XXXX tells me to have Capitol One call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. Capitol One told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to Equifax, XXXX, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my Equifax account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to Equifax, XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX
Product: Debt collection

XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.
Product: Mortgage

There were incorrect loan payment activity changes made by Fay Servicing on numerous occasions to my mortgage account, which reversed my paid monthly payments, impacting my account status. My current loan due date should be XX/XX/XXXX and these incorrect revisions resulted in my status showing a XX/XX/XXXX due date. 
I noticed these errors on XX/XX/XXXX and reported them to an account manager, who stated he would explore the situation and get back to me while telling me to keep this between the two of us.He was aware that I had meticulous documentation and receipts of my mortgage activity. I requested correction of all errors and update my loan status to due XX/XX/XXXX. 

When calling to make my monthly mortgage payment on XX/XX/XXXX, the agent told me that my loan was due on XX/XX/XXXX. I told him this was a gross error, that my due date was XX/XX/XXXX. He transferred me to account manager XXXX XXXX. The manager said it appeared for some reason my payments were kicked back to XX/XX/XXXX. He also stated that the COVID-19 one month deferment which was offered to me and applied in XX/XX/XXXX by account manager XXXX XXXX, was removed. He said he would investigate and to keep this between us ( huge red flag of wrong-doing ) .After the phone call I went online to review my account details and saw disturbing details. I have made timely monthly mortgage payments since Fay Servicing bought my loan in XX/XX/XXXX, which were all recorded on the activity sheet. I have my bank records to support all monthly payments made.I shockingly noticed reversal payments to my account which had no basis, except for one in which the prior mortgage company did not apply one of my payments thus was adjusted in XX/XX/XXXX. There were 4 reversals in XX/XX/XXXX and 2 reversals in XX/XX/XXXX, this undoing my mortgage payments.This is possibly fraudulent and unethical behavior by Fay Servicing. I did notice on XX/XX/XXXX when looking at my online account to follow-up, that someone reapplied payments for 4 of the 6 reversals and it reflected a loan due date of XX/XX/XXXX when it should be XX/XX/XXXX. While it seems someone adjusted these errors, the account manager XXXX XXXX did not call me as he said he would. 
I researched this company, which assumed my mortgage on XX/XX/XXXX, and noted they were in a lawsuit in XX/XX/XXXX for illegal practices. I looked at the XXXX  and see countless complaints of a similar nature.I work hard to provide a good home for myself and family.I expect that my mortgage be serviced in a professional, accurate, ethical and legal manner. What I have identified could have resulted in my home going into foreclosure and losing my home due to the errors by Fay Servicing, which may be accidental or deliberate. Your investigation for both my sake and all other Fay Servicing customers is greatly in need.Please assist me with this possibly illegal situation and let me know if you need any additional data. Thank you!
Product: Checking or savings account

I am trying to close an interest bearing checking account at M & T bank. I submitted a request to close the account via secured message on XX/XX/2019. I received a response on XX/XX/2019 stating that I would have to visit a branch or mail a signed request and that the signed request must be notarized if the balance is over {$1000.00}. I will try and pursue one of these methods, but both of these methods are very inconvenient.
Product: Credit reporting

Experian is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Product: Debt collection

I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.
Product: Mortgage

My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.
Product: Credit reporting, credit repair services, 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 : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Law Office XXXX XXXX. XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES XXXX DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS. 

ON XX/XX/XXXX, I APPLIED FOR A WELLS FARGO VISA CREDIT CARD. WELLS FARGO ACKNOWLEDGED MY APPLICATION AND DENIED MY APPLICATION BY MAKING FALSE STATEMENTS WHICH VIOLATES MY GOOD FAITH OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT. 

A ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE TOO MANY RECENTLY OPENED ACCOUNTS, WHERE I ONLY HAVE A : 1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX  THAT IS SERVICED BY XXXX XXXX XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. TWO INQUIRIES FOR HOME MORTGAGE. 

2 ) XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

3 ) XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

B ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE NO BANK CARD HISTORY. WHERE THEY LOOK FOR HISTORY THAT SHOWS HOW I MANAGED CREDIT OVER TIME. 

1 ) I HAVE XXXX BANK CARDS HISTORY WITH XXXX XXXXS XXXX CREDIT CARDS. XXXX XXXX CARD WITH XXXX XXXX XXXX CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX BALANCE ZERO AND XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, BALANCE XXXX. 

C ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I DO NOT HAVE ENOUGH ACCOUNTS PAID AS AGREED ON MY CREDIT FILE AS THEY LOOK FOR A HISTORY OF ON-TIME PAYMENTS. I HAVE XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, AND XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX FOR HISTORY ACCOUNTS PAID AS AGREED. 

D ) WELLS FARGO REPORTED MISLEADING STATEMENT AS AN ACCOUNT WAS OPENED TOO RECENTLY AS THEY LOOK HOW MUCH XXXX XXXXXXXX IS TAKING ON. 

1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX THAT IS SERVICED BY XXXX XXXX   XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. 

E ) WELLS FARGO REPORTED ONLY ONE TRUE STATEMENT THAT I HAVE A CREDIT SCORE OF XXXX ON XX/XX/XXXX. 

1 ) A CREDIT SCORE OF XXXX IS ONLY ACHIEVED WHEN A CONSUMER WHERE THEIR CREDIT HISTORY OF PAID AS AGREED ACCOUNTS, MORTGAGE ACCOUNTS, LOW BALANCES, LENGTH OF CREDIT HISTORY, ETC. 

IN CONCLUSION, IS WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES ITALIAN DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1700.00} XX/XX/2021 {$690.00}. XXXX accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and not fair practices which violates the CFPA. Cash app failed to take timely and effective measures to prevent and address fraud on their platform.

Leaving my account vulnerable and unprotected. Furthermore there dispute process and resolution was unfair and deceptive as they did not comply with error resolutions requirements under EFTA and Regulation E. These regulations has caused inconvenience and financial loss and I seek appropriate redress for these complications.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  CREDIT XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a settlement agreement for my Barclays account was made. The agreed settlement amount was {$910.00} and the payment needed to be made by XX/XX/2018. 

Payment was mailed ( by my sister ) check # XXXX, on XX/XX/2018 and check was cashed by Barclays. Account number was posted in the Memo as they had requested to ensure it was applied to the correct account. 

I disputed the charges and XXXX XXXX  XXXX  connected with Barclay 's and they refuse to acknowledge payment and this is still showing on my credit report as in collections owing the full amount.
Product: Payday loan, title loan, or personal loan

The Amount started at {$500.00} in XXXX. They kept getting me to refinance. I was paying them {$100.00} per month up until I lost my job last due to Covid-19 last month. I know I paid them well over a year {$100.00} a month but I could never get finish paying it off. They started calling me and my family members constantly. And today XX/XX/XXXX someone from Atlas Credit showed up at my door. And after I asked her to leave my house she continued to knock on my door. Then started sending me text messages. 
The company name is Atlas Credit Co., Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and noticed unauthorized inquires on my report from XXXX XXXX  on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I submitted my Identity Theft Report along with this complaint.
Product: Prepaid card

I just happened been able to use the card to buy anything so its really no used to me. When I called American Express they even had no real answers for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous Inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Product: Credit card

I tried to place an order with XXXX XXXX, but something went wrong and the order was cancelled. XXXX also refunded the money. Apple card will not update the transaction. I have already asked them to. They claimed it would automatically update which it has not. Apple did this before with another merchant who refunded a purchase. It took Apple card months to fix the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Consumer Loan

I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.