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

I filed a dispute with XXXX in regards to my card being fraudulent used at XXXX XXXX. XXXX denied the dispute. I reached out to sofi and there customer service XXXX XXXX XXXX they did not deny the dispute and the transaction was fraudulent. XXXX has yet to provide any follow up or explanation on how to appeal the dispute denial. I had opened this account in XXXX XXXX had an initial deposit of XXXX $ when my balance was around XXXX my account was hacked into and funds were siphoned out continuously until there was only XXXX $ left. Whn i found out due to my own investigation i called and filed a dispute. Someone was able to bypass there XXXX authentication and change my contact info. This created a huge issue as i was not ble to verify my id w the compamy after XXXX different times.SoFi refused to fix the problem .instead they closed my account and sent me a check for the remaining XXXX XXXX When i tried to contact them there hotline is just a runaround and gives no human or automated help w any issues. BUSINESS SYSTEMS AND SECURITY FAILURES a ) Persistent error messages highlight significant system reliability issues. b ) XXXX acknowledged engineering defects but refused to manually process transfers or offer interim solutions to uphold the balance transfer promotion. c ) Phone and online chat systems frequently disconnected abruptly and lacked effective escalation paths to managers or specialized teams equipped to address complex issues. 
d ) Allowing my account to be accessed via fraudulently without the cardholders knowledge or consent demonstrates a serious security flaw. CUSTOMER SERVICE FAILURES a ) Representatives consistently provided conflicting and inaccurate information via submitted through XXXX recommended XXXX XXXX,, were ignored. 
FAILURE TO RESOLVE ISSUES a ) Despite months of escalation requests, no meaningful solutions were offered, error messages persisted, and significant time was wasted. b ) XXXX took no action, allowing the promotional balance transfer incentive to expire. c ) To date, XXXX separate support tickets have been opened, but there was no adequate follow-up or resolution.. 
MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing concerns. b ) XXXX used no-reply email addresses without bounce notifications for replies, effectively blocking direct responses and obstructing resolution.. WIPING OF CUSTOMER RECORDS a ) SoFi erased chat histories without prior notice and refused to restore them, hindering documentation and issue tracking.b ) Despite acknowledging that chat histories remain accessible internally, the deletions appear intended to complicate matters for customers and minimize XXXX accountability : I'm seeking damages and the amount of funds that were stolen and reimbursed to the tune of XXXX $
Product: Bank account or service

I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.
Product: Student loan

Scammed by south coast doc prep on XX/XX/22 They called saying they could help forgive my loans and took personal information and then told me I could get {$30000.00} forgiven and just pay {$2000.00}. They could offer me this through the pay as you earn and public service loan forgiveness program. I would have to pay {$240.00} for 5 months and then {$77.00} for the rest of the time until I hit {$2000.00}. I have to make my first payment XX/XX/XXXX of {$240.00}. But I dont plan to pay because after doing research it is a scam. But they have my debit card number and social security and can take loans out in my name. Huge scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did 3 time hard inquiries. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Well I would like to know why my address is being flagged as a fraud because I believe I'm the victim of identity that and I've been wanting to cash out my XXXX and XXXX but I can't cuz my accounts at least my credit score is low or bad so I really want to get to the bottom of this it says also that I'm incarcerated when I'm not incarcerated would I have to do with anything receiving my benefits please contact me at XXXX my name is XXXX and I reaching out to you guys in need of your guys 's help please call me I'm tired of going through all this is frustrating and exhausting for my life thank you and have a nice day.
Product: Credit card or prepaid card

I XXXX, XXXX/agent requested a bill statement monthly payoff for the account on XX/XX/23 and the statement was posted to the online account after XX/XX/23. The bill statement is due by the XXXX of XXXX. On XX/XX/23 the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX  ( letter of instructions states 5 business days will be given to receive a response ). A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/23 and received on XX/XX/23 at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions was sent on XX/XX/23 ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/23 the instructions have not been completed by the CFO at this time. As of now the CFO of Citigroup Bank is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Citigroup Bank and 1 percent of the total assets of Citigroup Bank member bank.
Product: Credit card

On XX/XX/2023 I purchased 2 tickets for " XXXX XXXX XXXX XXXX XXXXXXXX '' for Saturday XXXX XXXX through XXXX in the amount of {$280.00}. Mind you I am almost XXXX XXXX XXXX and have always purchased through XXXX and this company advertised almost exactly the same, however after the purchase ( which I also found out later was double the cost of what the tickets should have been ) I received nothing from this company through my email or texts. I DID check all of my email folders like SPAM and JUNK and still NO TICKETS. I paid for these with my ( Old Navy ) Navyist Rewards Mastercard account ending in XXXX. I tried reaching out to XXXX through a 800 number where I was told they could not help me and I needed to contact my credit card. Since then, I have called numerous times. The first time I wrote down that I had called was on XX/XX/2023 I spoke to a " XXXX '' where I explained I had NOT received any tickets. I was given a case # XXXX and told to try the merchants # again which the gave me as XXXX and that they too would look into the matter. Proceed to XX/XX/2023 where I received a letter from Barclays/old Navy Credit Card stating they have notified the merchant and they are waiting for a response. On XX/XX/2023 at XXXX I again called the credit card and spoke " XXXX XXXX and she proceeded to tell me that the merchant ir providing them proof that I had received the tickets and they would be sending me copies of this " proof '' and that no refund would be issued at this time. They could not tell me how or through what means I supposedly received the tickets but that they would be sending me all the info. Which has never happened. I am beyond frustrated, I have been a great customer not only with this Credit Card but with all of my credit card companies. My credit score will reflect this. I also, am on a fixed income and this was suppose to be a present with my XXXX  that she never got and I am out almost {$300.00}. Please help me with this. I NEVER RECEIVED AND USED THOSE TICKETS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.
Product: Mortgage

Dear CFPB Team, thank you for listening.

By way of introduction, I have Bank of America ( BOfA ) relationship across Mortgage, Platinum Honors Savings, Credit Card and Auto Loan.

I have been a mortgage customer of BOfA since XXXX, which was subsequently refinanced by the same bank in XXXX. As part of IRS Tax process, I was required to submit form 1098 for the initial mortgage account, which was closed in XXXX. 

On XX/XX/XXXX, when logging into the Bank of America, I could not access the older mortgage account, and it is therefore I had a call with BOfA Customer Service team, who first responded that bank can not issue statements for older accounts that are closed. Later I was advised that I have to wait for XXXX business to receive the documentation. This was after spending XXXX minutes on a call. Alternatively, I was suggested to visit the branch to explore the possibility to receive the documentation. 

When I visited the branch, BOfA branch team members initially expressed lack of system access to process the form 1098. After much escalation, I was put in touch with Branch executive who after 40 minutes, was able to share the document. 

I am expressing my sincere disappointment in having to 1/ Not have online access to documentation, 2/ Lack of clear guidance from BOfA Customer Support , and 3/ Having to visit branch and go thru the hardship to get a simple documentation that pertains to my mortgage account.

Having to pay substantial mortgage interest rates and holding significant investments, I expect BOfA to provide at least basis services in a timely fashion and with ease. Which unfortunately is not the case. 

Thank you for your time and consideration. 
Warm Regards.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family.
Product: Credit reporting 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 ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX. XXXX  XXXX XXXX XXXX ACCOUNT # XXXX. XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two ( 2 ) formal dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXX regarding inaccurate information contained within my credit report file with that agency asking that the XX/XX/XXXX XXXX Credit Inquiry be removed from my credit file. In responses dated XX/XX/XXXX and XX/XX/XXXX, Equifax responded that the disputed item is not currently reporting on their credit file. However, today, XX/XX/XXXX, this disputed item continues to show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've completed a Private Administrative Procedure/Dispute, Affidavits, Notices and Defaults all that where mailed to the corporate office and received on XX/XX/XXXX & XX/XX/XXXX, addressed to CEO XXXX XXXX XXXX his CFO XXXX XXXX XXXX REQUEST FOR VERIFICATION & VALIDATION OF MORTAGE DEBT AFFIDAVIT & ALL DOCUMENTS SECURITIZATIONS & INSTRUMENTS FOR MORTAGE AGREEMENT. Also Informing them about the fraud that was found, within and throughout their mortgage process. None of my affidavits or notices where answered, also the request for the refunds of all payment including the fees for a copyright violation that they keep on violating so for in an excess of XXXX XXXX Dollars ( {>= $1,000,000} ), wherein Defendants have failed to respond said completed Private Administrative Procedure and thus have acquiesed to the commission of all offenses listed below as well as those in the Private Administration Procedure /Dispute. M & T Bank is in violation of 18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Depreviation of Rights Under Color of Law 18 U.S. Code 1349 Attempt and conspiracy 18 U.S. Code 1028A Aggravated Identity Theft 18 U.S. Code 1344 Bank Fraud 18 U.S. Code 1341 Frauds and Swindles 18 U.S. Code 63 Mail fraud and other offenses 18 U.S. Code 1951 Interference with commerce by threats or violence 18 U.S. Code 1343 Fraud by wire, radio, or television
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX 
Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled all of my credit reports ( XXXX XXXX  and Experian ). 

On my credit reports I found each of them had three collection accounts from a XXXX XXXX XXXX. 

I reached out to XXXX XXXX XXXX and asked for an explanation and asked for verification. During this process I also advised XXXX XXXX   XXXX to send me some sort of verification of the debt ( s ). Date of transaction, what type of transaction or service, where the service was  performed and by who. I asked for this information to be sent to me within five business days. 

XXXX never sent me anything. Nothing at all. 

So naturally I disputed these collections with each credit bureau. I did this on XX/XX/XXXX with all reporting bureaus. 

XXXX AND XXXX both deleted the collection accounts as they were unverifiable. 

Experian, however, stated the dispute is valid and that the data furnished sent them proof. Funny, the other bureaus deleted it and yet someone how Experian validated it. 

When I called into Experian to ask for proof of validation they sent me to a supervisor named XXXX XXXX. XXXX returned my call on XX/XX/XXXX at XXXX XXXX   CDT. 

During this call I asked again for proof from the data furnisher to Experian that somehow proved and validated his debt. 

To say XXXX was apathetic would be an understatement. What XXXX advised me was, on a recorded call, to contact XXXX XXXX XXXX and request it. 

You know, thats hard to do when Ive already did that in the first place and they were unable to provide one single document. Additionally, Experian is the one who apparently said its validated and yet wont provide the proof. 

Experian, going on my experience with these things, never validated anything. They sent some form letter which required no actual proof ( maybe they didnt even do that ). 

I asked for XXXX XXXX supervisor at which point he told me this doesnt count for someone above me to look at.. then he promptly hung up the phone. 

XXXX DIRECT number is : XXXX ( XXXX ) XXXX I know my rights and I know Experian has violated them. 

This is unacceptable. These bureaus, especially Experian are notorious for believing they are above the law and that they can trample on anyone with no recourse. 

They should pay fines for every single day my credit is effected. Im currently trying to lock down a mortgage and this is hurting me! Direct from the lenders mouth. 

This needs to be taken care of at once.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Money transfer, virtual currency, or money service

Placed wire at Ally Bank for $ XXXX at XXXXXXXX XXXX on XXXX/XXXX/23 for a same-day transfer on acct XXXX. Per Ally 's posed Delivery Time schedule, where the wire is being initiated, the wire was due to be reviewed by XXXX XXXX XXXX and sent by XXXX XXXX XXXX. Ally failed to meet their posted delivery schedule and as result, I've incurred a late fee of 10 % which Ally needs to pay. In talking to Ally today, XXXX they can't provide a timeline for the wire transfer. I am seeking payment for the late fee of {$3300.00} because Ally delayed the transfer and didn't meet their posted timelines.
Product: Debt collection

convergent OUTSOURCING HAS REPORTED NEGATIVE INFORMATION ON MY CREDIT FILES CONCERNING A DEBT I DO NOT OWE TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a procedure request to Equifax for an alleged bankruptcy. They were to ( by federal law ) provide me with the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) UNDER THE LAWS OF THE FCRA I HAVE A RIGHT to a " description of the procedures '' used to determine the accuracy and completeness of the disputed information. 

WHICH I CLEARY WAS DENIED THE RIGHT TO DO SO by Equifax. This is a serious violation of the FCRA and a error within Equifax 's dispute process. This is a very serious matter ... The response I received from Equifax definitely is not constitutional or in accordance with " The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) '' I sent this letter through certified mail to ensure a response which I did receive but it's obvious my right to " request the description of the procedures '' was denied ''.
Product: Credit reporting or other personal consumer reports

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report promptly. Their presence is causing me significant stress and does not reflect my true credit history or financial behavior, making it difficult to cope. If we can not resolve this, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are a serious issue for me, as they hinder my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.