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

I just open new Wells Fargo account but they don't verify it for me and they don't open the account both the online access
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 XXXX XXXX Account name : XXXX XXXX XXXX  Account name : The XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX has violated my rights. 

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: Checking or savings account

I am writing to formally lodge a complaint against SoFi Bank for their repeated failure to prevent unauthorized charges on my account despite multiple verbal assurances from their representatives. 

Since XX/XX/year>, SoFi Bank has allowed XXXX to charge my account twice a month without my consent totalling {$50.00} per month. I have never authorized these charges, nor have I received any goods or services from XXXX in relation to these transactions. Each month, I promptly call SoFi Bank to report these unauthorized charges, and each time, their representatives verbally assure me that they will stop all future payments to XXXX. However, the charges continue to be processed. 

This situation has caused significant frustration and financial inconvenience. SoFi Bank 's repeated failure to resolve this issue, despite my consistent efforts to address it, demonstrates a lack of accountability and disregard for their duty to protect their customers from unauthorized transactions. 

I kindly request that the Consumer Bureau investigate this matter and ensure that SoFi Bank takes immediate and effective action to stop these charges permanently. Additionally, I would appreciate assistance in recovering the funds that have been wrongfully deducted from my account since XX/XX/year>. 

Thank you for your attention to this urgent matter. I am happy to provide any additional information or documentation necessary to support my complaint.l
Product: Checking or savings account

I opened a Credit Karma Spend Account ( checking account ) while filing my taxes through XXXX after being offered a promotion to open the Spend Account. I am unable to link my personal bank account to the Credit Karma Account and can not deposit or transfer any funds between the 2 accounts. The error given every time is that my bank 's credentials are incorrect, despite me putting in the correct credentials every time. 

I contacted Credit Karma Support on Wednesday, XX/XX/XXXX. I was on hold for over an hour, was given a very vague answer to my problem, and have not been contacted by the company in over 4 business days, and I am still unable to link my personal bank. I advise everyone to not fall for the scam that is this Credit Karma promotion so that they can actually access their tax returns. The advertisement for CK on XXXX is extremely misleading and CK customer support is next to nonexistent.
Product: Debt collection

I got a new phone number and as soon as it became active, I started receiving debt collection calls for the previous owner of the phone number named " XXXX '' for AMSCOT, a pay day loan company. I immediately told them on the first call that person is not tied to this number and I only got the new number activated in late XX/XX/XXXX, and would they please take this number out of the database. I have received multiple calls total and I can't seem to get them to remove my number from their collection database, and I told them I was going to file a complaint for repeated calls. 

Here is a list from the call log- they've been told repeatedly to stop calling and instead they continue to call 2-3 times a day. 

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

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. 
Upon reviewing my updates, incorrect information about my inquiries was found in my Credit Reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the concerned Inquiry : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  XXXXXXXX XXXX Inquiry Date : XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

CITICARDS CBNA has been reporting late on my credit report with XXXX. 
I have disputed this information with XXXX and it continues to show as accurate information. UNDER 15 usc 168 ( a ) ( 6 ) ( b ) ( iii ) I am requesting the validity and accuracy of this investiagion in writing. As this is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted XXXX directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? XXXX  is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.
Product: Credit reporting

I was laid off my job in XX/XX/XXXX that I was at for nine years. I started receiving state assistance by the state of Delaware. It seem there was an overpayment in XX/XX/XXXX or XX/XX/XXXX. The state claimed they sent me a letter in XX/XX/XXXX to an address I was no longer at and some one signed for it. 
when they had a correct address for me.XX/XX/XXXX my son was still receiving XXXX. never received the letter at the correct address that they had for me. The debt was paid by me from my income taxes that were intercepted. 
this is how I found out. I have been working very hard to clear all my debt one at a time since regaining employment in XX/XX/XXXX with better income to allow me to clear my debt one at a time. I have done a pretty good job. I am in the process of trying to obtain a mortgage I have written all XXXX credit bureaus explaining how this judgment is hindering me from obtaining a mortgage, XXXX and XXXX has removed it from my credit report I have made several attempts with Equifax to remove and they have n't and continues to update my credit report with it every month that drops my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Department of Education XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am incredibly stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family, and this is completely unfair. I have tried several times to get these accounts removed. In addition to my information being exposed in XXXX and XXXX XXXX XXXX XXXX breaches most recently, so I thought you all would protect my consumer report. I do not feel that my information is being protected. Most recently, I received mail from XXXX XXXX XXXX attempting to collect a debt owed to XXXX XXXX XXXX XXXX in the amount of {$10000.00} that does not belong to me! This is defamation of my character and a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not fair, and it's going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal for these companies to give people 's information away to XXXX party companies. This is damaging, neglectful, and fraudulent. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negative effecting my livelihood, and that of my family, putting us in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and redundant reporting of a XXXX XXXX account ( account number XXXX ) on my credit report. This account is being reported twice : once as a closed credit card account and again as a collection account from XXXX, with a completely different amount. 
The presence of these two entries is redundant and misleading, and it is adversely affecting my credit score. I request that both entries be investigated and removed from my credit report immediately. In addition, I do not owe any funds to a XXXX XXXX XXXX and have received no correspondence with proof of a debt from them. This Collection should be removed immediately as should the XXXX account. It is illegal for the same debt to report twice on my credit report.
Product: Checking or savings account

I have been attempting to close my Citi Accelerate Savings account and have been unable to do so. Citi has locked my online account access twice in the last 2 years and it takes numerous calls/transfers through customer service/chat support to get it unlocked. When it does get unlocked there is no context to provided as to the reason behind the lock. 

I called to close my account last week and was able to proceed with the conversation but the timeline for returning funds ( 10-15 business days ) seemed long so I completed an electronic transfer into my new account which has since posted. 

I called XX/XX/2021 to close my Citi Accelerate savings account and spoke with a customer service agent who asked numerous verification questions and said they would be unable to assist with closing my account due to failed verificaiton. I provided the account number off their website, my full name, my wife 's name, last 4 of my social security #, and what I believed was the secret word associated with the account which was valid enough to proceed with action/conversation last week, but not on this conversation. I explained to the rep that I just wanted to close the account and could provide recent transactions, balance information or other verification to close the account and they just kept directing me to call back. None of the information provided was any different than what I provided last week. In my opinion as a XXXX XXXX myself, this seems like an unfair and deceptive practice to dismiss account closure for the purposes of achieving company metrics and XXXX XXXX 

I would like my Citi Accelerate Account closed without being charged fees as the account now has a XXXX balance.
Product: Mortgage

On XXXX XXXX, 2015, Nationstar Mortgage notifed me indicating that I owe hazard insurance for tthe property located in XXXX, TN. I pay my hazard insurance and taxes independent of an escrow account. I have attempted, several time, to contact NationStar Mortgage to resolve the issue ; however there has been no resolution and Nationstar has placed an additional insurance on the loan account charging me extra for the insurance and indicating I have a negative balance since I was not paying for the insurance. Please see all the attached documentation submitted to NationStar Mortgage. I have sumitted my certificate of insurance several times to NationStar Mortgage. I want Nationstar to remove the addtional insurance from my loan account and refund me any monies due.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that incorrect information is still being reported by XXXX, XXXX, and Equifax. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX and XXXX. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct information.
Product: Credit card

To whom it may concern, As a loyal customer of American Express I am writing this formal complaint regarding a serious chargeback fraud case committed by one their customers against our small business and hoping to get this resolved immediately. 

PAYMENT TOKEN IDS XXXX. XXXX XXXX. XXXX Customer Information Name : XXXX XXXX XXXX XXXX ending in XXXX ( Has opened a 2 fraudulent disputes of 2 transactions to our business totaling {$8700.00} ) Our legal counsel has recommended us to reach out one final time to American Express with the following information : American express is currently holding over {$8000.00} in funds for over the last 60 days and it is impairing our small business. This is because one of their customers decided to falsify and open 2 disputes that he did not receive goods and services from our us. Upon responding with all the evidence, contacting the American Express dispute department, providing more than sufficient documents and writing a formal dispute rebuttal letter to the correct American Express po box we still have not received any response or resolution. 

We have attached our police report against this customer below for documentation. 

Below is the rebbutal letter with all the evidence provided. 

This customer can even be subpoenaed if necessary as there are texts of him admitting to receiving goods and services. 

He did all of this delinquency the day my wife gave XXXX. I asked him to please withdraw both disputes as this was false and he became manipulative and hostile. The stress and damages he has incurred in our lives is beyond comprehension. I am pleading for a bit of humanity and for AMEX please review the case and do what is right, to please release our funds for the goods and services we provided for him and that he is currently using in on his website that he just wants for free of charge. 

Under Florida Statute XXXX this constitutes wire fraud. We will be escalating this with the right organisms. 

Thank you
Product: Credit card

navy federal i callled XX/XX/22 stated that my cards was stolen and used on my phone, i called again each week after that they have the records they assigned XXXX investigators one demed everything wa sfrauf and was a wonderful help the othe i believe his name way XXXX he was rude and seemed happy i was going thru pain and emotional distress he said the charges were not fraud and accused me of doing them when they were both from same merchant XXXX XXXX which the other investigstor already said was fraud when i asked about his steps in his investigation he hung up on me immediatly i complained and got no where. 

then during this time my XXXX XXXX was stolen with my phone they helped with most of the charges but not all and in their customer agreement it clearly states cunsumers are not responsible for fraud. so i need this removed from my XXXX for inaccuracy reasons its showing on XXXX a XXXX balance owed and my XXXX XXXX is only showing XXXX so they are reporting and inacuracy not to mention i submitted police reort ftc reort and indenty theft afidavit then i have XXXX XXXX XXXX XXXXXXXX XXXX acounts i did not open reporting on my personal credit report these are fraud as well ] and last is a XXXX XXXX  reporting XXXX dollars on my report which i never opened i supnitted the prper documents and have not heard any thing back i am trying to purchace a home and this is ruining. mmy credit
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked with the bank and withdraw cash. I have sent emails to PayPal customer service representatives many times, but the problem has not been resolved.
Product: Money transfer, virtual currency, or money service

This is a continuation of my complaint ( XXXX ) submitted to Consumer Finance Protection Bureau . The CFPB closed my complaint with the resolution provided by Paypal being that they would grant me a credit of {$1.00} to be able to sell my crypto remaining assets so that my balance would be empty and then I would be able to close my account. I have requested the XXXX XXXX  credit ( see attached ) and Paypal failed to provide me a XXXX XXXX  credit. My balance in Paypal crypto is still under a XXXX XXXX I forfeit any balance in my account so that it can be closed. Paypal is refusing to close this account and keep this balance for no reason. I do not care about the remaining balance. I forfeit the balance. I want this account closed immediately. Please see attachments, showing I requested the XXXX XXXX credit and showing my balance is still under {$1.00} in Paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, Experian on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$97.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} Medical XXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.