23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX applied for Wells Fargo Credit Card ( personal use with spouse as co-user ) Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number, called and was told to fax copy of Drivers License and copy of utility bill. I do not have a Fax so made an appointment at local Wells Fargo bank to fax information. 
XX/XX/XXXX faxed Drivers License and utility bill ( from Wells Fargo bank XXXX XXXX NC ) receipt confirmed. 
Letter dated XX/XX/XXXX from Wells Fargo " Decision '' Identity can't be verified and unable to approve. 
Called W-F XXXX number again, was told by W-F operator XXXX that the application will be reviewed and Faxed information ( sent on XX/XX/XXXX ) will be reviewed. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number. Called XXXX number again, was told that they could not verify address from faxed information. ( both Drivers license and utility bill had address correct and matching address of my residence. ) I was told i would have to send an addition utility bill ( fax ). I told Wells Fargo representative to cancel my application. He told me they could not because it was in process and that they would put in a request to cancel the application. ( noting that the letter dated XX/XX/XXXX stated the to provide the information by XX/XX/XXXX or application will be declined. I asked to escalate the issue that i wanted the application cancelled immediately as i no longer would like to do any business with Wells Fargo. and again was told I could not cancel the application because it was in process, but they would put a note in file to cancel the the application due to consumer request. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and provide information by XX/XX/XXXX So is had become very obvious to be that Wells Fargo does not listen or does not follow through with request of their client or potential customers. 
They have gone totally against my request and extended this application. 
This application could potential affect other credit application, credit score and my ability to get credit.

I want Well Fargo to Stop any application for credit with them and remove the pending request and to remove any such record on my credit report.

Well Fargo should be also giving negative rating for their handling of this issue.
Product: Student loan

I recently ( XX/XX/2022 ) had my student loans transferred from XXXX to Mohela. The process has been awful and difficult. I have been attempting to track my payments online and to see detailed information about payments I have made towards the Public Service Loan forgiveness program. First, XXXX kept declining my requests to count payments ( form was submitted in XX/XX/2022 and XX/XX/2022 and again in XXXX 2022 ) after it was denied multiple times ( even though the form had been completed accurately ). XXXX just would say that the form was denied but they couldnt explain why. They suggested I resend it and I did. It was then declined again. After not getting a response, I finally gave up and my loans were moved to Mohela. The tracking since moving to Mohela has been terrible. I have called them on multiple occasions to inquire about when I could anticipate an updated payment count only to be told that the XXXX data was kept in a way that would not be accepted and tracked in their system. The person I spoke to said that they have had to get new software and to be patient with them. This conversation occurred in XX/XX/2022 about this and still dont have clarity.
Product: Checking or savings account

Transactions that were taken out of my account that wasnt authorized by me and when I contacted the bank doing the time frame, I was told the charges that it wasnt on my account. {$2600.00} meta ( XXXX ) and {$310.00} ( XXXX XXXX XXXX ) XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$120.00} XXXX XXXX. XX/XX/XXXX {$620.00} XXXX XXXX. XX/XX/XXXX {$350.00} XXXX XXXX. XX/XX/XXXX {$600.00} XXXX XXXX. XX/XX/XXXX {$400.00} XXXX XXXX. XX/XX/XXXX {$250.00} XXXX XXXX. XX/XX/XXXX {$88.00} XXXX XXXX. XX/XX/XXXX {$170.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX PNC Bank denied all these claims stating that they were beyond the time frame. I contacted them doing the time frame but they stated that I didnt have these on it. I need my money back.
Product: Checking or savings account

I filed a complaint and Citibank requested my documentation and proof of both my passports, because I have two citizenships, in American passport I am XXXX XXXX and in XXXX passport I am XXXX XXXX, I sent both my passports and they have ignored me. 

They are holding my {$25000.00}, as I previously told them I have left the states and have only got a family correspondence address. I need my money because my property developer is threatening to foreclose on my properties. I have no money currently. 

I have given Citibank all their requested documents and they have simply ignored me. I Need my money and I would love for them to transfer it to my XXXX account or give me access so I can do it because if I have to pay out of pocket for flights to america to pick up a cheque when I have done nothing illegal or wrong apart from been there victim of citi stealing my money under legal loopholes then I will have to file arbitration against citi for monetary damages and punitive damages.

I need them to take this seriously. Its been 5 days since their last email and I call and they say I should wait for my case manager to look over it
Product: Credit card

I was charged {$69.00} by XXXX on XX/XX/XXXX, for a purchase made on their website. However, I was refunded directly by XXXX on XX/XX/XXXX, for this charge. On XX/XX/XXXX, Discover applied a temporary credit of {$69.00} to my account in relation to this charge, and I was informed that a dispute was opened. On XX/XX/XXXX, Discover reversed the temporary credit. 

Despite the XXXX refund being issued before Discovers temporary credit, I was informed by Discover that I am not responsible for the XXXX charge, but for the other expenses that the {$69.00} credit covered. I have provided proof of the XXXX refund on XX/XX/XXXX, but Discover continues to hold me responsible for the {$69.00} balance, which I believe is an error. 

I have requested clarification and resolution, but I am still being told I owe the balance, despite the refund from XXXX. The current {$69.00} balance should be removed, as I am not responsible for the charge after receiving the direct refund from XXXX.
Product: Debt collection

I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.
Product: Credit card or prepaid card

Paid the bill off in XX/XX/XXXX XXXX XXXXthis is the amount that was on their website that day when I paid. There were no more charges, in fact nothing had been purchased with this card in 4 months. They placed a finance charge of {$3.00} on XX/XX/XXXX and the late fees started accruing from then. The total amount of late fees at this point is {$190.00} and they are not willing to remove those. They have already closed out the account and this is steadily hitting my credit for over the limit amount.
Product: Debt collection

XXXX XXXX REFUSES TO SPEAK WITH ME BC MY ACCOUNT IS IN COLLECTIONS
Product: Credit card

I have a credit card with Huntington Bank. I have submitted a request on 2 separate occasions for a credit limit increase ( XXXX & XXXX ). On both occasions, the request was declined due to " No credit score available. '' After the first event, I did not contact the company. After the second event, I contacted Huntington and was informed my information is accurate and being sent to the credit bureau ( s ) accurately. Huntington indicated that there is no hard pull for initial credit limit increases ; however, the soft pull was resulting in " no score. '' Huntington informed me to contact credit bureaus to determine if there is a freeze on my score.

I investigated each of the 3 bureaus and there is no freeze on my score. Also of note, Huntington appears to be the only organization who is not able to retrieve my score so I strongly believe the error is on their end.

This situation is impactful to me in 2 ways : I can not obtain a credit limit increase if I indeed qualify because there is no score obtained. Secondly, my credit card account may be negatively impacted by Regulation Z 1026.59 Reevaluation of rate increases of Huntington is not able to obtain a score.
Product: Debt collection

Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address. 

They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX
Product: Money transfer, virtual currency, or money service

I opened up a BUSINESS account for my employer with Cash App some years ago. When opening an account the app required a ssn # and would not accept ein. I reached out to Cash App via phone to inquire about that and was told that they required a ssn # to verify the identity of person creating account. They explained that the person would NOT be financially liable for the funds but the business ( my employer ) would as long as I attached a business bank account to the app where the funds would be transferred to. I proceeded to open a BUSINESS acct. 
In XXXX, I received a letter from the IRS with my ssn # and MY name ( not the Business name on Cash App Tag ) stating that I failed to report earnings from Cash app for years XXXX ( {$29000.00} ) and XXXX ( {$41000.00} )! I immediately reached out to Cash App via phone and explained what occurred, I was told I needed to speak to their Tax dept and was sent a link via the app to communicate with that dept. When I contacted that dept, they told me that they did not handle 1099 's, that they only did Tax Preparation ... so they could only help file taxes if I needed. I called Cash App back and told them what the tax dept said and they proceeded to give me the SAME link... I kept explaining that that dept could not help. I called over and over sometimes multiple times throughout the day hoping to get someone that could help ... but the answer was always giving me the same link. Fast forward we are in XXXX, I am stressed out from IRS threats. Cash App has advanced and updated their app which NOW allows for ein 's ... and they also have added a new link to contact them regarding 1099K. I reached out to them, and received an email to upload verifying information ( 1 months bank statements from my employer with their company name, showing the cash app deposits went into their bank account, not mine etc. ) I did all of that 45 days ago. I have been reaching out to Cash App asking for the status of my amended 1099k and am always told there is no update. I am told it is a different department and they will contact me with updates. I asked for a direct number to that department and was told they don't have a number for consumers. This issue has been going on since XXXX. I am W-9 employee for my company and I am being held responsible for their taxes.
Product: Money transfer, virtual currency, or money service

i use XXXX  and have my credit card attached to the account on my phone i had someone take my phone and then charge me XXXX I called XXXX  and they refused to reverse the charges
Product: Credit reporting or other personal consumer reports

I advised all three credit bureaus, experian, XXXX, and XXXX, that collections were not mine and I had no recollection of accounts. I asked for them to provide proof that I signed documents with collection agencies on my credit report. No information was provided and XXXX of my disputes are still on file. All three credit bureaus have record of my identity being stolen on file as well. I can only view XXXX dispute request. Experian does not provide my dispute history and transunion only shows one. Ive filed multiple disputes with each company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I went to my chime app on XX/XX/2024 to check my account but it wouldn't let me log in and the message appeared saying that my account had been closed and it gave me a number to call if I thought it was by mistake so I called them. I spoke to the first person and I told them the issue that I tried to log in to my account but it was saying my account was closed. So the pulled up my account and explained that it had something to do with loading money on my account but I had roughly {$50.00} on my checking account. I asked them if there was a way to open my account back up and they told me no because it was against their privacy policy. So I asked them if there was any information I could give them to prove it was me so they could open my account back up but once again they said they couldn't say anything or tell me anything because it was against privacy policy. I preceeded to ask to speak to their supervisor but at first they said there wasn't anything they could do that they weren't already doing but I preceeded to still ask for their supervisor and they finally put the supervisor on the phone. Once on the phone with the supervisor he continued to say the same things that they couldn't give me access to my money or my account. I think it's unfair that they can just take my money like that.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : * First Request to XXXX XXXX  : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
* CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : * Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
* Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX  has failed to meet this obligation. 
* Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX  does not have my written consent to share my information. 
* Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX  did not inform me of this right. 
* Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX  to honor my rights and process my opt-out request as mandated by law.
Product: Debt collection

company emailed me for a year and a half after I told them not to in XXXX, constant emails, back to back. The amounts are incorrect and they are reporting unverified debt in different amounts. Company that is reporting is LVNV funding but Resurgent is emailing me back to back
Product: Checking or savings account

Wells Fargo lost hundreds of dollars over the years. I was charged XXXX  unexpectedly and experience many unfortunate situations with that bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : 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 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: Student loan

My former loan servicing group, Navient, mislead me to believe that I was doing everything I needed to correctly qualify for Public Service Loan Forgiveness Program. After almost 4 years and much research of my own I found that more than half of my loans were not in the correct categories for the PSLF. At that time I consolidated my loans and moved my loans over to XXXX XXXX. All of my loans are in the correct categories now, however, a larger portion on my loans will take another 120 qualifying payments for qualify. This is disappointing. I spent hours on the phone with these crooks just to be sent down an incomplete path. I talked to XXXX   XXXX and they told me there is nothing that can be done to get those loans caught up in payment numbers.
Product: Vehicle loan or lease

A XXXX XXXX was leased through me in on XX/XX/XXXX for my wife at the time. In XX/XX/XXXX, my wife and I were going through a divorce and she was going to obtain the lease on the vehicle since it was her vehicle. Paperwork was filled out and the lease take over was approved by GM Financial. Once the final paperwork was filled out and sent back, we were notified that she must resubmit the application paperwork. Once the paperwork was resubmitted a second time, GM Financial denied her taking over the lease. The courts approved that the lease and everything that pertains the vehicle is her responsibility as of XX/XX/XXXX. Due to GM Financial denying her in XX/XX/XXXX, my ex wife dumped the vehicle on me and walked away. The courts mandated that the vehicle be returned and see what was to be owed on the vehicle. Once the bill for the returned vehicle came in, it took several months and numerous court appearances to get my ex-wife to pay the bill from GM Financial for the returned vehicle. She finally paid the bill in XX/XX/XXXX. During all this time, an open bill fro {$7500.00} remained unpaid on an account which was originally opened in my name and social security number.
Product: Credit reporting or other personal consumer reports

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 

Transunion XXXXXXXX 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 or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question XXXX XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXXAccount Number : XXXXXX*********** XXXX. XXXXXXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXXXXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXXAccount Number : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXXAccount Number : XXXX XXXX. I XXXX XXXX XXXX : XXXX XXXX. XXXXAccount Number : XXXX XXXX. XXXX XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8700.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$20000.00} XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX {$650.00} EQUIFAX****** XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance {$650.00}