23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I thought about using Robin Hood to trade stocks. I went on the app and began to build my profile.After doing some research I saw all of the shady XXXX that happens with Personal information on Robin Hood and decided I am not going to open a Robin Hood account. I never transferred money I never traded any financial transactions or otherwise. I never finished filling out the info for my account Because I don't want them having any of my private information. I don't want them having my phone number or my Social Security or any of my financial details about my earnings. I'm not using their system. I never finished signing up. And they are refusing to delete all of my information even though they're telling me the account is closed. I want all information erased like I didn't even exist to them. I don't want them to have my phone number or how much money I make or how much money I'm worth or my email. I did not agree or sign off to them having any of that information it's why I did not follow through with opening the account or using it. I do not volunteer any of my private information and do not agree to any of their terms for service which is why I'm trying to close out the account and all information linked to it and all information linked to it and all information linked to it. They are giving me the runaround and lying to me. I have screenshots Of my own and complaints From many others. I am an XXXX and I will be filing a lawsuit for mental and compensatory damages. I gave them a chance to delete all of my info and they refused.
Product: Credit reporting or other personal consumer reports

Experian did not due to proper investigation into several Hard inquiries leading to a decrease in credit score which then made any loan be at a higher rate. This affected two car loans and a mortgage loan increasing the cost of well over XXXX dollars over the course of the loans. Experian had a data break that caused my rating to be lower than it should have been. Additionally request to remove data I.E Personal, Hard Inquires, Removal of Late Payments under disputes submitted using 15 USC 1666B and 168152 request repeat thereby causing a reduced ratting and causing the increase rates for loans or credit card request and has cause denial for this causing hardship financially
Product: Money transfer, virtual currency, or money service

Im filing agaist cash app ( Block inc ) due to inadequate costumer service and ununlawful practices which violates the consumers financial protection Act.
Product: Debt collection

I was contacted several years ago about a debt being owed to Ace Check Cashing for a loan I told them that I had never contacted them about alone I've never received the one from them They said it was online Through their Website I Told then that I had been a victim of identity theft And they even said they would write it off as fraud This was charged off in XXXXAnd the collection agency that now has the account received it 2 months agoXXXX XXXXAnd that I was not employed in XX/XX/XXXXj
Product: Debt collection

I am requesting the 1099 c for this account and I contacted discover numerous times because of this concerning Account. 

Account charged off. {$3700.00} written off. {$3700.00} past due as of XXXX XXXX
Product: Debt collection

On Friday XX/XX/19 at XXXX I received a voice message from XXXX XXXX a senior representative at XXXX XXXX XXXX Caller ID showed XXXX ( XXXX IL ) but I was asked to call back XXXX Ext XXXX a New York number. I called the number back and spoke with someone ( I did not get the name ) who said they could help me. He demanded my SSN and other personal information which I am not giving out especially since they did not say they were a debt collector, or who they were or what company they were from or the nature of their business with me. He stated he will not answer any of my questions until I gave him my SSN. I told him to send me a letter to the address of record and he stated " that ship has sailed honey too late for letters '' at that point I tried to end the call and he then stated " hey just pay your bills lady ''. I ended the call. 

XXXX XXXX then used a cross reference to start calling people that I barely know and leaving lengthy messages for them. He stated ( on the voice mail ) that he has been trying to reach me for XXXX weeks ( false-I have phone records that show first call was on XX/XX/19 ), he also went on to say this is a very serious matter and he is trying to do all he can to help me with this matter but time is running out and he needs to reach me by XXXX. He ended the call by saying " If I don't hear from her by XXXX I wish her all the luck with this matter ''. What exactly does that mean, was that a threat? A similar message was left on 3 other voice mails of people I haven't talked to in years not to mention the other people in their home that heard that message. I will not have my reputation compromised by XXXX XXXX or anyone from XXXX XXXX. 

Other phone numbers used : XXXX ( XXXX XXXX, IL ) ..the phone calls are unending and frequent with spoofed ID but to always call back XXXX. These calls were robo calls. 

This company has been investigated by the XXXX and were asked to provide specific information - company responded but did not provide any of the requested information. This company was involved in a federal case where XXXX attempted to collect illegal and voided debts to coerce payments from their harrassed victims. I believe I am a victim of this scam.
Product: Checking or savings account

last year chase bank was informed that i never received the new debit card they indicated had been issued to me/ at that point in time, the bank was contacted because someone had ordered aand services using my bank card. 
the issue was never solved, the debit card never received, at said point in time, the bank was informed to close the acct and return the remaining funds and disputed funds. debit me for disputed funds paying same after being informed of the id theft. consequently, they additionally continued debiting the acct for monthly fees until all funds were disappaited r.after which, the bank continued to charge me for these items placing me in jeporday for same. 
in addition, they fefused to pay two cashiers checks in the amounts of XXXX and XXXX dollars. they have refused to reissue said checks in addition to the items listed above. the checks were issued by wasington mutual bank of wich they were hereditors, assignees, and or heirs to after havingabsorbed washington mutuaXXXX, XXXX XXXX and XXXX XXXX. in addition i have 8 certificates of deposit with the oroginal banks which now exceed 7 figures, again refusing to cure this situation on the part of the bank all attempts to resolve these issues were pursued with due diligence on my part and refusal to correct these errors on their part im a XXXX of a XXXX XXXX
Product: Debt collection

In XXXX of 2022, I set up a payment plan to payoff a credit card debt I had with Navy Federal. my first payment would have been XX/XX/XXXX, however my funds that I was going to receive, arrived late than the expected date. On XX/XX/XXXX, my taxes finally came through. At this moment, I only had a Savings account. The representative Witheld information regarding opening up a checking account. I was told in order to transfer funds, I would have to open up a checking account. The representative neglected to also state that if I opened the account, that they would take the funds. On XX/XX/XXXX, I seen the full amount due, taken out of my account. I called NFCU right away. Now I'm out of XXXX  of dollars and I am currently being evicted and NEED the funds immediately. NFCU were not helpful and they told me they are not going to reverse my funds. Once they took the funds out of my account, they closed my checking account again. I had to call AGAIN for them to open my checking beck up. How does a company get to rob someone and then close their account? I wasn't notified they were taking my funds or closing my account.
Product: Money transfer, virtual currency, or money service

Wells Fargo continues to turn a blind eye to major fraudulent action due to their extreme incompetence. The CFPB needs to hit them with another million dollar fine. 

On or about XX/XX/23 at XXXX XXXX ( EST ), a Wells Fargo customer attempted to make two fraudulent transactions to obtain money from my XXXX XXXX XXXXXXXX XXXX  checking account. After notifying XXXX XXXX Bank, I also decided to call Wells Fargo and give them a heads up so they can investigate and protect themselves from major fraud losses since XXXX XXXX XXXX  may not even notify Wells Fargo and if they do it will take a few days. Wells Fargo would not take the information. 

I also have deposit accounts at Wells Fargo, but that is unrelated to the attempted fraud with my XXXX  checking account. It is just a coincidence that I happen to also have an account with Wells Fargo. 

I attempted to provide the Wells Fargo Online Security / Fraud Team with the information of their customer attempting fraud, but they said they could not take the information. Instead of investigating and / or referring the matter to law enforcement, they allow a major felon to act with impunity. I suppose that considering Wells Fargo 's major felony record from the not-too-distant-past, I suppose this should not be a surprise. 

On or about XX/XX/23 at XXXXXXXX XXXX a Wells Fargo customer attempted to make an ACH pull from my XXXX checking account. Then a few minutes later at XXXXXXXX XXXX  they attempted a fraudulent ACH pull for {$1600.00}. XXXX XXXX records show these fraudulent attempts originated at Wells Fargo 's routing number XXXX. The XXXX  account they attempted defraud is # XXXX and the routing number XXXX. 

Again, given Wells Fargo 's proven fraudulent actions in the not-so-distant past and their total failure to even listen to documented fraud complaints originating from their bank, the CFPB should severely punish Wells Fargo -- even force the bank 's complete closure.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Regarding : Account number XXXX Collection opened XX/XX/2020 Account type Collection The account is in litigation please remove it immediately. 
no proof of having applied for the card.
Product: Money transfer, virtual currency, or money service

All monies requested to be returnedthey knowing let a company scam me
Product: Checking or savings account

Citizens bank has been charging outrageous overdraft fees. The fees are so much that I can never get ahead and when my paycheck gets directly deposited I have no money. They will charge {$37.00} for each overdraft. And additional {$30.00} each day you are negative. And, if they return a payment to a creditor they charge you another {$37.00} for each transaction. Other banks give you more time to satisfy your account without all of these crazy fees. Citizens now gives you one day to credit your account " peace of mind fee '' which is not. Because you not only have to pay the overdraft on your account you have to pay all of the overdraft fees as well. It just isn't fair and they make so much money off of people having money troubles, especially with the pandemic. 

I contacted them on XX/XX/XXXX and asked that they freeze or close my account, because I am still getting charged a lot of fees ; due to my returned payments to creditors being resubmitted which again causes {$37.00} for overdraft and additional {$37.00} to return ; it's like a never ending cycle. I was told by the bank that they can not freeze or close my account until it has a zero balance. I told them I was concerned about more fees being charged to my account that is now out of my control ; and I was told there was nothing I could do until I brought my account positive. I can not do this ; I now owe over {$1000.00}, if I wasn't charged all of these fees to begin with my creditors would have been paid. The other thing they do is you look at your account one evening to make sure everything is paid ; then the next morning I find things posted over night and overdraft fees charged ; when I thought my account was okay. 

This is a never ending cycle, I can not get out from under this and I have no money to live on. I have a disabled daughter who may need to have surgery very soon and I have no money to take her to her appointment which is over 3 hours away. I begged and pleaded with the bank and they didn't help at all. 

I am hoping someone can please help me. My account number is : XXXX, XXXX XXXX XXXX XX/XX/1969 ; last 4 ssn XXXX. 

I would like all of these fees be returned to my account and then close my account. I am done banking with this bank ; I have been charged thousands of fees and they are making so much money off of me ; and now I am behind on my bills as well. 

Thank you, XXXX XXXX PS you will most likely receive something from the Federal Reserve Consumer Help Center, because I filled my complaint with wrong bureau and they told me they would forward my complaint to your office.
Product: Credit card or prepaid card

The Barclay  XXXX  credit card advertises special online shopping cash back when purchased through the  XXXX  link and credit card. On  XXXX   XXXX ,  XXXX , I went through the  XXXX  website and visited  XXXX  to purchase a couch in the amount of {$860.0 0} ( ord er #  XXXX   ) a nd paid with the  XXXX  credit card with the expectation in receiving 10 % back through combined rewards. The 10 % cash back, valued at {$86.00}, was never received. I sent an inquiry to  XXXX  in  XXXX   XXXX . After an investigation, they stated I did not purchase the couch through the correct  XXXX  link.  XXXX  does not provide any sort of documentation when you go through their link so you can not provide any sort of documentation to prove that you have.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credt report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reported In my creds report is the one mentioned stated below. 
*My first name is : XXXX XXXX Middle Name : XXXX XXXX FIRST LAST NAME : XXXX XXXX SECOND LAST NAME : XXXX XXXX : XXXX MY DATE OF BIRTH IS XX/XX/year> MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX, FL ZIP CODE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed Account below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 US DEPT OF ED/ XXXX Account Number XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate student loan is located under my name under equifax credit reporting agency, this  inaccuracy is causing me my SSi check that i receive. 
i spoke to them many times and disputed several times they keep coming back and saying it has been verified, i never ha student loans ever, i never went to school ever. please find attached my police report and FTC report which i provided equifax as well. 
thank you
Product: Debt collection

Company attempted to fraudulently collect on a debt not owed nor opened on dates reported on my credit report on XX/XX/2022. I was alerted of a data breech regarding my personal information on XX/XX/2022, from a company ( XXXX XXXX ) out of XXXX, Texas and almost exactly a month later a company ( PARAMOUNT RECOVERY SYSTEM ) also out of XXXX, Texas tries to fraudulently collect on the same exact account I gotten removed no letter of this debt or original contract of proof was ever sent to my home address! This collection agency has called from several different fraudulent numbers harassing and not stating accurate information! XXXX already deleted off my credit report on XX/XX/2022 but the company attempted to report to XXXX I disputed that. Today XX/XX/2022 i got an alert from XXXX and i just disputed that according to XXXXaw code 15 USC 1692 PARAMOUNT RECOVERYXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX is in direct violation of reporting false inaccurate information on my credit reports.
Product: Mortgage

When I printed out my 2015 Mortgage Interest Statement for my taxes, it included a Mortgage Insurance Annual Disclosure which explained my options for removing my PMI. I then followed up with the call center which conformed that if I had 80 % equity that the PMI would be removed, I would have to do another home appraisal from the lender. After the home appraisal, I had to contact the call center and also write to the company for the appraisal amount and also to see if the PMI got removed. The agent on the phone told me it has been removed, when I asked why my payment did n't change. I was placed on hold and then informed that the PMI will not be removed. I sent another letter contesting the results because that 's not what I was told or read, the bank is also advising me that I 'm responsible for the home appraisal after they told me that I ca n't remove the PMI two years. I will have the 80 % equity in my home within a few months and it should be removed as agreed. The bank is telling me I need 75 % now, different then what I printed and was told? They should n't advise there customers to spend money on an appraisal then send a letter saying you ca n't do anything for two years.
Product: Credit card

I was scammed in XX/XX/XXXX by my credit card company and pay palcredit. I purchaced an item on line using my credit card only and was billedthru pay pal credit, opening an account without my permission. I believe mycredit card issuer gave personal info to pay pal credit without my authorizationin violation of their privacy statement. I believe they did this for a fee. I madecontact with pay pal credit, my card issuer, and paypal themselves to reversethis charge and close my pay pal credit account. all refused and I was billedfor fees, my credit card was cancelled, I lost points from my card and I believemy credit has suffered. I have documented the times, dates, and who I talkedto at each step. I noticed in the press release yesterday there was scant inforegarding credit card companies taking a kickback for releasing protected infoof consumers. this is what I believe happened in my case. any info you cansend me would help. I was not able to get our states consumer fraud divisionmotivated in XX/XX/XXXX to even look into the problem. even with yourpublicity yesterday they will not open even an inquiry in spite of knowing thedeceptive practices of pay pal credit and my credit card company. I wouldlike my credit card companies to honor their own privacy statements or letthe consumer know they will be releasing ss # and other personal info fromthe credit card application to others who will open accounts in their name w/othe consumers knowledge.
Product: Debt collection

Portfoilio Recovery bought this debt from XXXX XXXX XXXX for {$8000.00}, back in XX/XX/XXXX. Portfolio Recovery charged-off this debt in XX/XX/XXXX. However, they have continued to report this debt as a new debt on mine and my husband 's reports every time we have disputed the incorrect information with the credit reporting agencies. The dates that they have reported this charge-off as a new collection are, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. If they continue with this reassignment of a current date, this account would stay on our reports indefinitely. 

Portfollio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from XXXX with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to Experian and other credit reporting companies. XXXX ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX