23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Wells Fargo Bank XXXX located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Bank XXXX  has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address two related issues : 1. Incorrect Reporting by Experian XXXX : Experian XXXX has reported inaccurate information regarding a debt claim made by XXXX XXXX XXXX. The debt, allegedly tied to an account with the original creditor XXXX XXXX XXXX XXXX  ( account number XXXX ), is reported to be {$500.00}. This debt is erroneous and has not been substantiated. The inaccurate reporting by Experian XXXX is negatively impacting my credit score and financial standing. 
2. Failure of XXXX XXXX XXXX to Validate the Debt : I initially disputed this debt in a complaint filed with the CFPB on XX/XX/2024 ( Complaint ID : XXXX ). It has been over 30 days, and XXXX XXXX XXXX has not provided a satisfactory response or the necessary documentation to substantiate this alleged debt. Specifically, XXXX XXXX XXXX has failed to provide : The Original Contract or Agreement : No original signed contract or agreement has been provided, which would demonstrate my legal obligation to repay the debt. 
Detailed Account History : The documentation lacks a comprehensive account history showing all transactions, charges, fees, and payments applied to the alleged debt. This itemization is necessary to verify the debts validity and amount. 
Proof of Assignment or Ownership : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This should include a clear chain of title from the original creditor to XXXX XXXX XXXX. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist.
Product: Checking or savings account

I am a Wells Fargo Bank customer since XXXX, I hold two accounts with them ( checking and savings ), this year I received a letter dated XX/XX/XXXX indicating that I need to provide explanation about an inconsistency between my passport and citizenship in order to avoid closure on the accounts. I am a XXXX  citizen and a U.S. Legal Permanent Resident with legal domicile in the U.S. ; My passport clearly states that I am XXXX, by mistake Wells Fargo enters my citizenship in their system as U.S. Citizen and that generates the inconsistency. 

On XX/XX/XXXX, I approach my branch in order to sort the issue by presenting all the required documents, the banks representative XXXX XXXX XXXX updates the information and assures that everything has been clarified and proceeds to issue a written conformity of my visit that day. 

On XX/XX/XXXX Wells Fargo closes both of my accounts based on a non-compliance on their customer ID policy ( CIP ) and leaves me without access to the only money I have. I do not have credit cards nor accounts with other banks. I am currently unemployed and the only source of income is the savings that I have on both accounts. 
On XX/XX/XXXX I approach my branch to request explanation and the branch XXXX XXXX XXXX XXXX recognizes bank error due to the fact that I was able to clarify the issue back on XX/XX/XXXX. 

Immediately, another bank representative, XXXX XXXX XXXX issues a request to reopen both accounts and provides me with a personalized letter indicating that the accounts were closed by the bank in order to present to my creditors ( landlord and other bills ). The branch XXXX, XXXX XXXX orders to open a complaint case on my behalf that reaches their resolution department on XX/XX/XXXX. 

The case reaches bank XXXX XXXX XXXX XXXX in the resolution department, he communicates that it can take up to 10 business days or more to investigate my case, later and after several calls from the branch Manager trying to expedite the resolution. 
On XX/XX/XXXX, my case is transferred to XXXX XXXX XXXX a resolution department XXXX, she indicates through email that my case will be resolved by XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for a new credit card with Citibank. I already had one with them so this would be my second with Citibank. My only intent for the card was for a balance transfer. 
They responded immediately with an approval. 
I was happy and requested a balance transfer to XXXX XXXX for {$2900.00} plus their fee. About {$3000.00} in total around the end of XXXX. 
I never heard anything again from Citibank about this balance transfer. I did get multiple notifications to activate the card though. The balance transferred card always reflected a {$0.00} balance on my online account. 
Around the first week of XXXX, I had a balance of {$3800.00} on my first Citibank card and paid it off in full. About 4 days later, I received a voice message stating that Citibank was trying to get ahold of me. I called them back later that day and they notified me that I was delinquent on repaying on the second card for the balance transfer. Citibank states that XXXX XXXX cashed the check and I am responsible, and if I want this resolved to do my own investigation. 
I told them that I had never received the balance transfer and I was not paying back on it since I never got one. That fell on deaf ears. 
Since then, I have spoken to Citibank at least 5 times to inquire about the status of their investigation, something that I had to demand they do by the way, spoken to XXXX XXXX multiple times and every time they say that they never did receive anything from Citibank. 
XXXX XXXX even suggested we do a 3 way call to share the information together. Nope! Citibank wasn't interested in that! 
On Saturday, I inquired again about the status of the investigation and they said that they had determined their outcome and I would receive a letter explaining their decision. 
I have never benefitted from any balance transfer from Citibank and I am shocked at how callous they are regarding my sentiments.
Product: Debt collection

I have a debt with XXXX XXXX for a credit card I had my freshman year of college. I understand that I am responsible of paying the debt, and I am willing to do so. Over the years, I 've been contacted by several different debt collectors, sometimes XXXX different collectors in the same month attempting to collect the same debt. With Portfolio Recovery, they will and have called both mine and my mothers personal line asking for payment. Today in particular, a woman from the company called asked if I could make a payment today. I said I was unable to do so at this time. She then asks if they can expect payment by the end of the month. Again, I said, I 'm unable to do so at this time, and when I can, I will call you. She beings to laugh and asks " well what type of work do you do? '' Taken aback, I responded " excuse me? '' and she repeats the question. " I do n't see the relevance of that with the reason you 're calling today. '' The woman begins laughing, again, so I said goodbye and ended the call. Several times in the past I 've asked this company for written notice so that I can have a paper trail of who my money is being sent to. They informed me that while they can take my credit card information over the phone, they are n't allowed to send me anything about the debt in the mail unless I first write them a letter. I searched the company on XXXX and they have hundreds of negative complaints from others like myself explaining similar cases of harassment and unprofessional phone conversations. 
Again, I can and will pay the debt, but not until I have proper documentation about the debt and the collector.
Product: Debt collection

I received a notice of a lawsuit filed in XXXX XXXX by a debt collection agency. I am not familiar with this agency, and I was not given the chance to properly verify the debt. I do not owe any money to this company and have no business dealings with them. It is unjust for this company to be allowed to file a lawsuit without giving the consumer the opportunity to verify the legitimacy of the debt..
Product: Credit card

On XX/XX/year>, at approximately XXXX XXXX  EST, I received a call from XXXX XXXX ( Phone number on caller ID is XXXX ). During this call I was informed that a credit card application was submitted in my name, using my personal information, including the last four digits of my SS number. At this point she stated the correct four numbers. She then asked if I had applied for this card, to which I answered in the negative. I was informed that she would cancel the application and transfer me to the Consumer Financial Protection Bureau.

She gave me a case ID # which I was to give to CFPB. According to the caller, this was necessary because personal information from my credit scores had become public and steps needed to be taken to put this info back on a private status. Explaining that I was not comfortable with this process, I was informed that no personal information would be asked for. but I would be given steps to correct the situation.

The first question from the caller at the transferred call to CFPB was my first and last name. I said they should have this info already and hung up. Call returned immediately and same information was asked for. Person became angry and I requested that unless there was a kinder caller, that there should not be any return calls. No further calls were received. 
I am not sure if these circumstances are something that you are concerned with, but, I feel the need to report the situation as a possible scam and also in order prevent a possible scam future scam attempt on another elder and unsuspecting person. 
Please inform me if you are or are not interested in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted state employees credit union about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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.
Product: Credit reporting or other personal consumer reports

My credit report was a part of the recent security breach and has caused unwarranted and solicited harassment from creditors that have gained my information through this breach.
Product: Debt collection

I was looking over my Consumer Report and notice these collections on my credit as I haven't checked my credit in a long time so in this case please remove these collections off my credit Report. have tried to contact companies and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into the Trans Union system to initiate a credit freeze using the correct password and id. It immediately locked my account. It took several calls spread over several hours to get this corrected. They have a lame phone system that takes all your personal information while trying to redirect you to a chat system when you want to talk to a human. Once you get to the human, you have to repeat all the ID information again. 

It turns out that the problem was that Trans Union does not handle VPN connections properly. VPN is a good safe way to be protected from spies and hackers. Why can't Trans Union accomdate that?
Product: Mortgage

I am writing this to you to file a formal complaint about one of Pentagon Federal Credit Union 's Loan Officers, XXXX XXXX, XXXX XXXX XXXX. I filed a previous complaint, XXXX in which none of my issues were addressed because it was thought that I am a third party. I am in the process of selling my house. The prospective buyer was using XXXX XXXX to purchase my property. XXXX XXXX improperly issued a loan pre-qualification for loan # XXXX on XXXX/XXXX/15 with out asking the proper questions on the XXXX. He allowed this process to go for over two weeks before turning down the borrower. XXXX XXXX could have easily prevented this entire disaster by asking what number appeared on line XXXX and line XXXX of her XXXX tax return. This should have taken no more than 5 minutes to clarify the borrower 's income situation. Instead of XXXX XXXX acting in a professional manner, he allowed this loan to proceed for over two weeks. Due to XXXX XXXX 's incorrect pre-qualification, the loan that we used to accept the contract was un-able to be approved. This in turn caused me to not be able to settle on my new house. The delays of relisting my condo, losing my 60 day lock and and the cost adjustment I had to make on my purchase will cost me over {$9000.00}. By accepting Pen Fed 's letter and contract offer we turned away other potential buyers and now have to start the process all over. As a member of Pen Fed I find it very troubling that Pen Fed allows Mortgage Loan Officers to act with such disregard for the general public. His action are very troubling, as is Pen Fed 's policy to allow Mortgage Loan Officers to issue pre-qualification letters when they can not follow them up with approved loans. His mistakes have ruined my home purchase process, costs me thousands of dollars and destroyed my belief in our lending laws. I look forward to your response in this matter. I would like Pen Fed to answer the following questions : What is required from a borrower to issue a pre-qualification letter? 
Will you provide your guidelines for issuing a pre-qualification letter, a pre-approval letter and a commitment letter? 
Do you ask what numbers appear on line XXXX and line XXXX of the borrower 's XXXX during the application process? 
Did Pen Fed review the phone call to determine if the Mortgage Loan Officer asked the proper questions prior to issuing a pre-qualification letter? 
Did the Mortgage Loan Officer 's documentation in the loan file match what was on the recorded phone call? 
When Pen Fed improperly issues pre-qualification letters, are they responsible for the damage they cause as a result of those letters? 
Is it Pen Fed 's policy to turn over loan applications with false statements to the proper authorities to determine if a crime has been committed? 
If so, was that done in this case?
Product: Debt collection

Fair Collection Outsourcing is illegally contacting my business of work and myself without my authorization. I am demanding that Fair Collection Outsourcing ( FCO ) to never contact me again or my place of business
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, XX/XX/2021, XX/XX/2021, i sent multiple letters to this creditor disputing an unauthorized inquiry made on my account .the creditor responded by stating the inquiry was in fact accurate but do not provide method of verication ( Consumer contract with my signature ) I would now like to take legal action if this fraudulent item isnt removed from my credit report immediately for the non complianceto provide proof of investigation results after 30 days of no validation, this item must be removed by law .thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do, only sent me a letter saying the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting agency is in clear violation of the law, they are furnishing an account on my consumer report that should not be on there. XXXX XXXX XXXX is a claim against my Registered business XXXX XXXX that has its own identity and does not belong on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several charge off accounts that I did not authorize to be reporting in my consumer reports. The businesses have reported my account to the IRS as a loss but I have not received copy B of 1099 c resulting in me having discrepancies on my taxes. They are also reporting a balance still due when the IRS has paid it off. They are also still harassing me for payment.
Product: Student loan

On XX/XX/XXXX I spoke with Mohela to request my student loan payment plan and payment history. They said I would receive it in the mail in 7-10 days. I did not receive it. I spoke with them again on XX/XX/XXXX requesting it again. I was told that they are not able to keep those records and that they could not send them to me.
Product: Credit card or prepaid card

XXXX charged {$100.00} to a house account without my permission to active a XXXX XXXX account. I called and thought it was resolved with this email ; Hello XXXX, This is XXXX of XXXX Customer Service. It is a pleasure for allowing me to assist you today and for being a part of our XXXX XXXX. 

I've canceled your XXXX XXXX membership. You'll receive a refund of {$100.00} for the XXXX XXXX membership fee. Refunds typically process within 3-5 business days and appear as a credit on your statement. 

If you need more assistance feel free to contact us, here 's a link to our Contact Us page : XXXX XXXX XXXX 

If you can't access this page, our customer service phone numbers are as follows : - Calling from within the U.S. or XXXX : XXXX - International : XXXX. 

I hope this helps. 

Enjoy the rest of your day because you deserve all the best things in life. 

We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX XXXX It was not. A month later I received a statement from XXXXXXXX XXXX  for {$130.00}. 

I called again thought it was resolved with this email ; Hello XXXX, I've requested a refund of {$28.00} to your card for the overdraft fees. This refund should go through within 3-5 business days and will appear as a credit on your next billing statement. 

I've canceled your XXXX membership and requested an additional refund of {$100.00} for the membership fee. The refund should be processed within the next 3-5 business days and will appear as a credit on your next billing statement. 

I hope this helps! We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX I was told the account with XXXXXXXX XXXX was closed and the {$28.00} was being refunded. 

Then I get this today ; E-mail Security Zone : XXXX XXXX For your account ending : XXXX Dear XXXX XXXX : Your XXXX Store Card online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2018 Minimum Payment Due : {$28.00} Statement Balance : {$28.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first contact with the XXXX XXXX XXXX was XX/XX/XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX  again by fax in XX/XX/XXXX to dispute the inaccuracies once again. My student loans date back to XX/XX/XXXX. The agency is reporting the accounts as being 90/120 days late in XX/XX/XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XX/XX/XXXX, I submitted another complaint through Equifax and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.