23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Scottrade Bank was hacked, yet Scottrade Bank staff refuse to acknowledge that the XXXX of customer credentials exposed effected both Scottrade XXXX and Scottrade Bank accounts. 

I have written to Scottrade Bank, Scottrade XXXX, and Scottrade XXXX XXXX on a number of occasions and they al refuse to respond to my complaint. In turn, after a number of phone calls to management, I received a phone call from the branch manager who said my account had been permanently frozen and will be closed shortly. Allowing my no opportunity to withdrawal the funds and giving me no ability to plan financially. The branch manager at Scottrade was very rude and acted as though he did not care that I have paid XXXX in fees for the past few years. My last quest was a request that I talk to the legal department, Scottrade profusely declined and has since then blocked my calls. 

I am writing to the CFPB in hopes that Scottrade will provide an appropriate and customer friendly response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act EXPERIAN has violated my rights. They stated that XXXX  XXXX # XXXX and XXXX  XXXX XXXX  XXXX # XXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit card

On XX/XX/2024 I attempted to purchase groceries at my local XXXX XXXX. I attempted to make a purchase on the mobile application. Unfortunately the app did not process my card. The next day I saw I was charged for the groceries. I reached out to customer service for XXXX but they said I had to dispute the transaction with US Bank. I reached out on XX/XX/2024 and they put a temporary credit on my account. I received no request for further information. A month later on XX/XX/2024 they put the charge. I called US bank right away and asked for it to be disputed. I also asked what information they needed and was told nothing at this time. I received a denial letter today XX/XX/2024 saying incorrectly I needed to return the merchandise purchased.
Product: Credit reporting or other personal consumer reports

Wells Fargo is violating my consumer rights, and deliberately ignoring my claim.
Product: Money transfer, virtual currency, or money service

I have been havjng problems with my social security number. I know im a victim of identity theft. I still haven't heard anything from the first time it almost seems to be getting worse. I am needing some guidance here because people usually cant help me resolve this i always have to get sent to somebody else nobody can help me directly im very aggrevated its affecting my. Personal life its ruint my name as well and now im dicriminnated everywhere i go the crimes are way past illegal i just want my XXXX money but i cant get to my money because of these problems
Product: Mortgage

I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX and STATE FARM BANK with no successful resolution. XXXX XXXX XXXX XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, As per the Experian Credit Report dated XXXX XXXX, XXXX did inquiry on XXXX XXXX in my credit file without my consent and without my authorization. XXXX also did inquiry on XXXX XXXX in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX for any reason. XXXX  inquiry dated XXXX XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XXXX XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Also, on same inquiry dates XXXX XXXX and XXXX XXXX, someone kept fraud alert on my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the XXXX inquiry dated XXXX XXXX from credit file, which was inquired without my authorization and consent. Could CFPB kindly take appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, and identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX for committing fraud and misrepresentation using my social, name, address and various identification details..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}
Product: Money transfer, virtual currency, or money service

I have remaining funds in my previous compromised accounts possibly two more accounts that where verified before I lost access with a balance I want it investigated with should already have taken place because I've already submitted the documents XXXX XXXX Cash App XXXX requested. She had already made the response before I saw email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX amount owed {$83.00} Original creditor PROGRESSIVE Date assigned XX/XX/XXXX Agency XXXX COLLECTIONS Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$83.00} Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax apparently hacked. Stated check your credit report for free. Upon entering all my information, the system said " down for maintenance ''. It is XXXX on a Saturday.
Product: Debt collection

Constantly being called and sent letters regarding a debt that is being paid directly to the Hospital. It appears this hospital sends bills to collection agencies for the sole purpose of causing stress in the patient so they will neeed to return to hospital.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2020 I received an unemployment payment from the Ga DOL to my new Paypal account. They first limited my access to my account needing proof of my identity to which i complied. 24 hours later I got a notification stating that I no longer receive Paypal services and my funds would be held for 180 no explanation. I still do not know why. It has now been 2 months over 180 days. I call frequently to check on my status and have not been able to be helped or withdraw funds. All customer service agents say that my account has to be reviewed but no other information. The GADOL payment is the only activity on the account! Except withdraw attempts.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed a few incorrect balances posted on my credit report : XXXX XXXX XXXX XXXX XXXX ending in # XXXX Credit limit {$2500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ending in # XXXX Credit limit {$1500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as
provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please correct the balance for these accounts to {$0.00} on my consumer reports, as this agency is in violation of 15 USC 1681.

Failure to correct the above referenced account balance, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair
Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle did not initially disclose the risk of transferring money to the wrong contact in my phone contact list and the possibility of not being able to retrieve misallocated funds transferred.
Product: Credit card

When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.
Product: Money transfer, virtual currency, or money service

I locked my coinbase account because I thought someone else was trying to login to it but I was mistaken and it was just a prior login I had attempted but put in the wrong info. On XX/XX/XXXX I requested that the account be unlocked so I can have access to it. I generic emails from coinbase and responded to them and each time I respond it says that I can't respond to the emails even though it says to respond directly in the emails. I have called customer service upwards of 10 times over the last 4 months. I have been assured that the case is being handled and then a few times they even admitted that they messed up and the case was just sitting there. I most recently received an email on XX/XX/2018 which seemed like someone was actually looking at the case and he said in the email " After youve taken steps to secure your e-mail and phone, please respond directly to this email to request access to your account be restored. '' So I responded to the email and go the automatic response again! The auto response says " Thank you for contacting Coinbase. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.comXXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' But I am not going to continue to submit tickets to create new cases if they can't even answer and fix my first ticket. 

I just want access to my account and the support I have received to far is borderline fraudulent that it has been 5 months and I still have no access to my funds on coinbase and there is no sign that I will get access to them soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Request for Removal of Unauthorized, Non-Permissible Inquiries Dear XXXX , I recently obtained a copy of my credit report and noticed several inquiries that I have no knowledge of, which I believe were made without my consent. I have not applied for any credit in the past XXXX  months, and I did not authorize these inquiries. I am concerned that my personal information XXXX have been misused, and I am requesting that these inquiries be removed from my credit report. 

According to Section 604 of the Fair Credit Reporting Act ( FCRA ), all inquiries must have a permissible purpose for being made. As I have not applied for any credit or initiated any transactions with these companies, I am requesting proof that these inquiries were authorized or have a permissible purpose as defined by the law. Without this proof, I ask that these inquiries be deleted immediately, as they do not meet the necessary requirements for reporting. 

The inquiries in question are as follows : XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I have contacted these creditors, and they have failed to provide any written authorization or documentation proving that I initiated these inquiries. According to the FCRA, if any information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted. Therefore, I respectfully request that you delete these unauthorized inquiries from my credit report as they do not meet the standards set by the FCRA. 

In addition to the above, I would like to emphasize that I have not applied for any credit in nearly XXXX years. The unauthorized inquiries listed above are a serious concern for my security and privacy, and I would appreciate your immediate attention to this matter. 

Please send me an updated copy of my credit report once these unauthorized inquiries have been removed, as required by law. 

Thank you for your cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

I only became aware of this fraudulent activity when attempting to purchase a house. The false information on my credit report is not only defamatory to my character but is also impeding my ability to achieve a major life milestone. This situation is causing me undue stress and financial harm. 

According to the 15 U.S.C 1681 law, there should be no damages to my credit report resulting from identity theft, and I am seeking your assistance in ensuring that my credit history accurately reflects my financial responsibility.
Product: Credit card

I made XXXX purchases using my Wells Fargo credit card almost 2 years apart. Both purchases was supposed to be 5 years no interest. On this statement Wells Fargo changed it from 5 years to just over 3 years
Product: Checking or savings account

My account was closed around XX/XX/year> ( that was the date when my balance showed XXXX ). Today, XX/XX/XXXX, I have not received the check in the amount of more than XXXX. I went to the branch at XXXX XXXX XXXX XXXXXXXX TX XXXX were I opened the account, and they could not help me because their phone lines were not working, So I went to a branch at XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX. The lady who attended me told me I had to call customer service, I explained her that I had tried that, but since I had neither the app nor the debit card that would not work. The lady in a bad manner told me that it was my problem, not hers. I went back to the XXXX XXXX  branch around XXXX XXXX  and they had the same issue with their phone lines. 
So, my more than XXXX are in limbo and there's nobody I can go to. 
The only reason they gave for closing my account is a counterfeit check that somebody gave me. I reported the mismanagement of the issue to this board, and I guess BofA closed the account as a way to punish me.
Product: Debt collection

I have sent over verification of my signature which showed that this account is not mine. I have sent several letters asking for verification of the debt sending a wet ink signature showing that this acct was signed for. They ignore my request and only send a letter asking if I want to try to apply for a loan discharge. When 99 % of people applying for this discharge has been denied. This is according to a current lawsuit against Federal Loan Servicing. 
They never responded to my letter and it's over 30 days. So they are in violation of FDIC and FDCA
Product: Debt collection

Called XX/XX/2022 at XXXX XXXX from XXXX XXXX  to discuss possible debt. After listening to the disclosure and the amount claimed I owed, I said I had not received any written notice and would like to dispute the claim and to please send something written so that I can verify the charges. After repeatedly stating that I would not be making arrangements, the agent made no attempt to begin disputes process. Instead went on a sales pitch asking me about when I last looked at my credit report and threatening that if I didn't make arrangements today, I could have my account turned over to a lawyer " that it could happen after we get off this call '' and mentioned possibilities of consequences such as liens and garnishments to paychecks or properties. I repeated that I would not be taking actions until I received a statement that I could verify and that until that time there was nothing else to talk about, then asked to end the call. He held me on the phone to " be honest with me '' he couldn't send me anything by mail ; it was online and I could verify right now. I took a moment to try to compose myself while I heard him talking about how silence wasn't going to help my case and if it wasn't resolved my case could go to a lawyer and I'd be sued.
Product: Credit card or prepaid card

I was charged two past due charges even though I made payments.
Product: Checking or savings account

You received a response from Chase to this complaint XXXX. You accepted a non responsive form letter and closed the complaint putting the non response in a file. I am very disappointed. The outrageous denial o f service, bullying, false information, the approval and cancellation of XXXX wire transfers, the denial of access to my account which resulted in the first ever late payment charge in XXXX  years were all supposed to be explained but were not. You have a detailed summary of the nasty activity and did not even inquire or read their non answer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), XXXX, Equifax and XXXX must authenticate these items. ( A ). Treating these reporting items as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) are mentioned. ( A ), kindly look at the following unverified items : 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