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

on XX/XX/2022 I have come to visit a bank facility of XXXX XXXX XXXX XXXX, PA XXXX to close all my accounts personal and corporate. 
Talking to the person at the desk, giving them my ID and transferring all my money from my business account to personal account. I have withdrawn all funds and I have been informed that all my accounts are closed. 
I am in the XXXX and do not plan to go back to the XXXX the person assured me that the accounts were closed and I can not worry about them. 
Unfortunately, in a few days the transaction for the company XXXX card has been processed and fees are still being charged. FOR CLOSED ACCOUNT!!! ' after closing the account, no transactions have any right to exist. 
I'm not gon na pay for anything. 
This is usually a scam. 
I started getting payment requests after my account was closed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.
Product: Credit card or prepaid card

On XXXX I filled a dispute with netspend because I was requesting money to play XXXX XXXX XXXX XXXX. It would let me get the money I requested maybe 3 time Then the other times I would request money netspend would pay XXXX but the money never went to my XXXX account. I disputed 5 transactions online because that all it would let me do. So I call customer service and was advised to do my dispute through email along with my screenshots showing payments taken from my account by XXXX and at the same time denying me to play on there site. I did more then 20 transitions in a period of a few days. I thought the money would automatically go back onto my netspend account that's why I did so many but it never did. Customer service have been giving me the run around they have been so rude I have never been treated like this before with any company that I do business with.
Product: Debt collection

When asked to stop or limit contact with debtee 's, the agent ( XXXX ) told us that they could call as much and as frequently as they wanted to ( XXXX PST XX/XX/XXXX  ) When asked about why our dispute was rejected, they said that it was invalid and refused to elaborate, only asking for how we wanted to pay. Saying that they did not have to provide any additional information, and that it was on us to prove to them that we did not owe, rather than the other way around. ( XXXX PST XX/XX/XXXX  )
Product: Credit reporting

I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Checking or savings account

I opened a high yield savings account on XX/XX/year> at Citibank via electronically. I tried transferring funds from a separate account to my new Citibank savings account from both XXXX XXXX and XXXX XXXX. On XX/XX/XXXX through XX/XX/XXXX I tried calling Citibank to regain access to my account after I notice it was no longer assessable via online. They told me I would need to contact the fraud department to verify my account information. They initially refused to give me any explanation of why they Closed my account and blocked my ability to try to access the funds I had transferred there. I tried transferring a total of {$100000.00} however I was able to stop the transaction from XXXX XXXX but the transaction from XXXX XXXX  was already posted to the account at approximately {$48000.00}. They told me that I would have to wait 30 to 60 days to have my funds returned. I demanded to speak to a supervisor, who asked me a series of questions and informed me that my account was being closed due to abnormal activity. They told me that they found it suspicious that I was using and logging into my account at different Wi-Fi networks. When I explained to them that I often login at home or work using different Wi-Fi they finally said that they would reinstate my account and that I would have access to this account today on XX/XX/year>. I still have not regained access to my account and they sent me an email saying that they are still going to close it and I would need to call them at the number they provided to expedite having my funds returned. I tried calling back and they claimed that they were unable to verify my account again because I did not have my account number and they gave me the same speech they gave me before that I am not able to verify my account so I would have to wait 30 to 60 days to get my funds back. I unfortunately was unable to get my account number information from the supervisor because they said that they can not give this out over the phone, and now I am unable to get a hold of XXXX the supervisor to figure out what happened.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Hello. My fianc and I have a joint account with XXXX brokerage we started a few months ago. It is all his money in the account. Last Tuesday our account was restricted. We had no warning or explanation as to why. We could not move money, XXXX lost money in his account. We began attempting to reach out to XXXX for explanation. XXXX had customer service hang up on him, sometimes even before a word was spoken. I started attempting to contact customer service when they finally responded to XXXX to let him know it was my fault and had to do with my identity and that is why the account was restricted. That was all they would tell him. So on Wednesday, XX/XX/XXXX, over a week with a restricted account and no helpful communication, I started attempting to reach out to customer service. I work XXXX hour shifts which makes it difficult. every time I had to start over from the very beginning and I got nowhere but someone to say they could not tell me or do anything. I would finally get ahold of a customer service person, and they would either say this was above their pay grade and I would go on hold to be transferred or they would simply just hang up on me ( and these calls would last a second or XXXX, no words spoken, literally they would call me and immediately hang up, this happened multiple times to XXXX and I ). Finally, I submitted a complaint to the XXXX since they had our money and we had no explanation on how to fix the issue or a clear explanation. Then they responded in an email saying my identity had been stolen. And no other information on how to fix the issue of not having access to the XXXX in our joint account. XXXX. And no real explanation or solution or full communication. We have continued to reach out and receive calls that end in XXXX being hung up on or being told we will have to wait until people higher up reach out to us. It's been over a week. Sketchy things are going on, giving us no warning to being restricted, not allowing us to contact customer support at this anymore ( I have screen shots ), sending a link to fix the account which just closes out the app. They are ignoring us and sending us in a circle, for XXXX of our retirement money. I never had any notification I needed to verity my account ; I have all the emails and notifications on the app. And why can I not fix this now? Why does my identity supposedly being stolen mean I lose my money? Why would you not tell someone that until after they submitted a complaint to the XXXX? Why can I not contact customer service? Why was I not notified of an issue which I could have immediately solved for them?
Product: Bank account or service

In XXXX, XXXX I opened a business account at BB & T in XXXX, XXXX. It was a joint account. In XXXX of XXXX I went to the bank to get copies of the account statement. I was told there was no record of the paperwork completed when we opened the account and therefore they would not release information. I was informed that the account had been closed in XXXX of XXXX without my knowledge or permission. I was told to get an attorney to subpoena the records from XXXX home office of BB & T. I contacted an attorney who stated I would have to file a lawsuit to get a subpoena and it would have to be signed by a judged. I do n't want to sue BB & T and run up a law bill the size of XXXX just to get my bank records.
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. 

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  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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Discover Bank admitted they made exactly XXXX attempt via letter, and XXXX attempt via phone -- at the exact same time no less -- before sending my account over to the XXXX of California via Escheat. I actually returned their letter with a Signature page to the exact address they provided -- within 3 days of receiving their letter. I kept a copy of the Sig page I returned to them XXXX attached ). I also received a statement from them from my account, in the mail, two months later. 

I never had a problem receiving quarterly statements via mail, and I did receive their letter dated XXXX 2014 and responded in Full. 

Over the entirety of my account with them, no personal information changed. No change in address or phone number. Despite all of this, and returning their letter to them within 3 days, they made no attempt to contact me to confirm anything, and sent my entire account -- my biggest savings account and XXXX I need access to -- over to the State. After only XXXX attempt via mail and XXXX attempt via phone -- at the exact same time ( What if I was traveling? Which I was n't ... ). 

I am losing interest accrued, and access to my biggest Savings Account for untold amount of time. It is inexcusable to do this to a customer given No change in circumstance and actually responding to their request.
Product: Credit card or prepaid card

Today, XXXX, I receive a credit card in my name, with " netspend All Access '' listed on the front, with a master card logo on the bottom right hand side, issued by XXXX. 
I did not apply for this card, nor did I open an account with XXXX  ( or netspend ). 
The card number begins with XXXX. 
The card was mailed via USPS, and has all the typical documents and information found in a legitimate correspondence from a financial institution. 
I did some research online, and it appears that many people have complained to the XXXX  about the problem. XXXX 's customer service wants personal information in order to investigate. This situation is creating red flags.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I requested for Experian, XXXX and XXXX to delete a inaccurate and unverifiable bankruptcy from my credit report. They failed to do so. Which is in violation of 15 USC 1681i.
Product: Credit reporting

There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.
Product: Vehicle loan or lease

XXXX XXXX XXXX '' of the XXXX XXXX XXXX, On XXXX XXXX XXXX XXXX the company NAMED : XXXX XXXX XXXX XXXX WITHOUT A LEGAL AUTHORIZATION Towed THE XXXX XXXX ESCALATE FROM A PRIVATE PROPERTY..

..WE WERE LOOKING THE CAR THINKING WAS STOLED CALLED ALLIANT CU THE SAME DAY XXXX XXXX XXXX XXXX XXXX and a Banker. Named XXXX Picked UP TELEPHONE notified us they did not have the Auto .therefore we were looking fur XXXX weeks thinking was stolen..the. Since was XXXX week and XXXX XXXX XXXX took time to found out ILLEGALLY XXXX XXXX XXXXXXXX TOOK IT .THEN THE SAME TOWING COMPANY WE Found OUT IS AFFILIATE WITH ALLIANT CU THEY REPOSES CARS FOR ALLIANT CU .ON THE PAST .THINIS WHAT LATER HAPPENED..SOME ONE I DO AUTHORIZE WAS CALLING THE TOWING COMPANY EVERY WEEK LETTING THEM KNOW WE INTENT TO RELEASE THE TRUCK.BUT Before THE 30 DAYS I DO HAVE AS A OWNER TO RELEASE THE CAR ... THE TOW COMPANY MADE A BAD DESICION THEY Decide TO CALL THEIR AFFILIATE ALLIANT CU TO DELIVER HE CAR NOW THEY CONVERTED THE CASE FROM Towed IN TO IMPOUNDED Status THEREFORE THEY Received TRIPLE MONEY FEES BUT THE TIME I TRIED TO Release IT WAS {$840.00} NOW THEY COLLECTED FROM ALLIANT C U TOTAL OF, {$2500.00} .IN THE FIRST PLACE THEY Didn't HAVE Legal AUTHORIZED Reason TO TAKE IT THEN THEY Didn't GAVE CHANCE TO THE OWNER TO RELEASE IT WHAT A NICE Way TO Make money.. 


THE BAD NEWS IS ALLIANT CU HAVE THE AUTO THEY ARE NOT ALSO GIVING A DETAIL DOCUMENT ABOUT THE FEES THEY PAID TO XXXX XXXX XXXX XXXX Requested MANY TIMES WE INVOICE But they said they only can provide verbal number s We need a invoice about towing fees the paid Also ALLIANT CU PUT FIR SALE THE CAR FIR XX/XX/XXXX ALLIANT IS NOT GIVING ME 21 DAYS I LEGALLY HAVE YO Redeem THE CAR IM STICKED I NEED Desperate HELP!!!! PLEASE HELP HELP TO.STOP THE SUCTION IS SET UP FIR XX/XX/XXXX THE TOWING COMPANY HAS TO BE RESPONSABLE FOR ALL THE FEES THEY HAVE TO Refund XXXX XXXX THEY RECEIVED SINCE WAS UNAUTHORIZED TOWED. 

I NEED HELP Obtain A INVOICE FROM TOW FEES SEND ASAP VIA EMAIL IS IM FILE FROM ALLIANT CU NEED HELP TO STOP SUCTION TIL SLL THE FEES ARE CLEAR From XXXX XXXX XXXX XXXX NEED HELP ALLIANT CU Receive back THE ILEGAL FEES PAID TO XXXX XXXX XXXX  I'm
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loans are all suppose to be in forbearance tillXXXX
Product: Mortgage

My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.
Product: Money transfer, virtual currency, or money service

Cashapp services there was no one live agent to handle disputes about transactions or payments. Money was not able to be recovered because no representation was available.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and Experian. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and Experian, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. Remove all late payments to current open accounts. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX