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

Wells fargo had no right to treat me the way they did. Why did they allow my 1st account to remain open for as long as it was? From XXXX. They weren't exercising their rights to close my account until XXXX XXXX said I harassed her. 

XXXX XXXX also lied when she said she couldn't go back seven years. When she sent my bank statement from my 1st account. Not the second one that they closed. Why did she refused to send that account. Because I would prove I did nothing wrong for them to close my account. They wanted to wrong me and side with XXXX XXXX. 


I do not want XXXX XXXX to respond to my complaints. She is a liar and false accuser like XXXX XXXX. With her saying I wasn't treated wrong which I was. When they closed my checking account based on XXXX XXXX setting me up and falsely accusing me of harassing her. While I was at the bank opening my new account. All the employees were staring at me because XXXX XXXX had defamed my character. Which XXXX XXXX denies that never happened. XXXX is also lying when she says this happen outside of Wells Fargo Bank. When this incident happened inside a wells fargo branch.in XXXX XXXX. Where XXXX XXXX falsely called 911 to falsely accuse me of harassing her. Wells fargo even admitted in writing it was due to her falsely saying I harassed her at the bank. Even though I was told at the 800 number to visit a local, branch to open my new account. Why did they allow me to have a new account? If they were just going to close it? I never harassed XXXX XXXX she always harassed me but falsely said I did it to her. Because she knew people would side with her even wells fargo against me. I have nobody on my side and this is a direct violation of my civil rights. When XXXX XXXX told me. Why don't I take my " XXXX  XXXX SON '' back to my home? Like she owned my property and me. Both my two wells fargo checking accounts were wrongfully closed. Only for wells fargo to force me to visit a local wells fargo branch to open the new account. Then XXXX XXXX lied saying they can only go back 7 years for my checking account information. Well she went back 10 years when my account was open in XXXX and was closed in XXXX. Why didn't wells fargo not exercise its right to close it during those periods of time. Why is wells fargo refusing to send my new checking account information which they closed in XXXX? Why are they SCARED to send it. Because they know I never harassed XXXX XXXX for them to close it. I did nothing wrong for them to close it. 


Wells fargo had no right to treat me the way they did. Why did they allow my 1st account to remain open for as long as it was? From XXXX. They weren't exercising their rights to close my account until XXXX XXXX said I harassed her.
Product: Debt collection

to whom it may concern, over the past few months I have been monitoring my credit profiles amongst all the three major consumer reporting agencies, and it has come to my attention that there are multiple accounts reporting negatively to my personal credit report, including I.C System, is a debt collection agency, attempting to collect on a debt I do not owe, I have no knowledge of this company, and I never received any notice about a debt. on the XXXX of XX/XX/2024 I sent said person " Notice to Cease and Desist '', followed by a " Notice of Violation '', per the new guidelines and the advisory opinion of the CFPB Via Certified Mail Receipt, the status of the delivery is as follows per USPS ( Also see attachment ) I.C Systems XXXX Delivered, XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2024, XXXX XXXX
Product: Payday loan

I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is XXXX, XXXX
Product: Checking or savings account

Opened XXXX brokerage and checking account shortly after my XXXX birthday ( XX/XX/05 ) account was closed on XX/XX/XXXX with no reason provided after consulting support, all transactions were legitimate, in fact I had filed my tax returns to this account while it was active only to receive a rejected deposit notice from XXXXJPMorgan Chase
Product: Debt collection

On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX  continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.
Product: Debt collection

Paid multiple debts to company. After debts were paid I never received any further communication of any other debts owed, however this company keeps impacting my credit report negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file with the three main bureaus : XXXX, Equifax and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX, through CFPB complaint # XXXX regarding inaccurate information on my credit report. Despite an initial investigation, the inaccuracies were not corrected or removed. I filed a second dispute on XX/XX/XXXX, under CFPB complaint # XXXX, but the issue remains unresolved and is taking an unreasonable amount of time. Under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 1681i, inaccurate or unverifiable information must be promptly corrected or deleted to ensure compliance with federal law. 

Attached are : -credit reports XX/XX/XXXX XX/XX/XXXX -Letter
Product: Credit reporting or other personal consumer reports

ADS/COMENITY/ALPHAEON fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). ADS/COMENITY/ALPHAEON is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX  and XXXX  regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified.

On my XXXX  they even listed collections two and three times. 

Transunion XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} XXXX  XXXX XXXX XXXX Open Balance {$14000.00}
Product: Mortgage

I have a loan in foreclosure with Shellpoint Mortgage, Loan # XXXX, and I re-applied for a loan modification on XXXX XXXX, 2016. Shellpoint claimed that I reapplied on XXXX XXXX, 2016. Regardless, Shellpoint replied on XXXX XXXX, 2016 stating " Shellpoint Mortgage Servicing ( " Shellpoint '' ) has received your complete request for loss mitigation program. We are currently reviewing the package to determine if the referenced loan qualifies for one of our programs. We will contact you if we need additional information or, if during the evaluation process, we determined your package to be incomplete ''. 

Shellpoint Mortgage never contacted me since XXXX XXXX, 2016 about any missing document before I received a denial letter dated XXXX XXXX, 2016. In the denial letter, Shellpoint Mortgage claimed that I did not provided documented that we requested. THAT IS FALSE. Shellpoint never contacted me or my authorized representative in writing or via phone about any missing document between XXXX XXXX, 2016 ( when I submitted the application ) and XXXX XXXX, 2016 ( when Shellpoint sent me the denial letter ). The only communication I received from Shellpoint between XXXX XXXX, 2016 and XXXX XXXX, 2016 was a mortgage statement demanding payment for the arrears. Please see the attached supporting documents. 

Shellpoint Mortgage NEVER evaluated my application that I sent in on XXXX XXXX, 2016 and is now telling stories about contacting me for missing documents in it ongoing effort to take away my home via foreclosure.
Product: Credit reporting or other personal consumer reports

Equifax has a promotional block on my credit profile most information is reported incorrectly i can not access my report correctly because of a block they can not tell me who put the block on my account personal information is incorrect name on account is inaccurate employment inaccurate alot of soft inquiries THAT ARE NOT MINE i was told i was not apart of the equifax breach settlement clearly my report shows otherwise i have spoken with them on several accounts still no results I CLEARLY need to know how a block has been placed without my authorization creditors cant even access my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX Auto -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX Bank -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXX XXXX XXXX and Experian Credit Reporting Agency and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.
Product: Debt collection

I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from XXXX  and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to Cavalry Portfolio Service due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by Cavalry Portfolio Service. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Cavalry Portfolio Service has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and Cavalry Portfolio Service Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDE MUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Cavalry Portfolio Service reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.
Product: Checking or savings account

Hi good afternoon I have a issue with a transaction on my account I need to dispute a transaction that occurred on XX/XX/year> Ive been attempting to resolve this issue with merchant But merchant is unable to assist in this matter Ive filed a complaint with better business bureau but that left me no where Now XXXX just going to dispute the transaction I explained to XXXX customer support I didnt receive the item XXXX XXXX XXXX I was told to submit a incident report to it could be investigated XXXX refuses to help me Im left without my money and no product Im now reaching out to Bank of America via consumer finance protection bureau So someone from BofA claims department submits a claim on my behalf Customer is requesting a chargeback to be submitted for transaction that occurred on XX/XX/year> {$190.00} Transaction name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collection and fraudulent inquiries please delete
Product: Student loan

In early XXXX I received notices from ATG Credit , LLC that it was trying to collect debts which I owed to XXXX XXXX XXXX, XXXX which I settled in a bankruptcy advesary case # XXXX in a stipulation entered XX/XX/XXXX in XXXX  XXXX Case # RS XXXX, XXXX Bankruptcy Court for Central District oXXXX California XXXX XXXX XXXX XXXX which called for a payment plan and eventual forgiveness of the balance in XX/XX/XXXX. XXXX had stopped accepting my auto bill payments from my credit union several months earlier. I called ATG Credit and spoke with XXXX on XX/XX/XXXX, asking for an accounting of my payments. XXXX said ATG has received XXXX of my checks post-dated from XXXX in XX/XX/XXXX, even though I had received no notice of the loan transfer and these payments had not been posted to my accounts. Per XXXX 's instructions, I e-mailed XXXX XXXX on XX/XX/XXXX with a dispute of the debt, request for accounting, and request to settle the debt or have the balance forgiven because this was the XXXX incident in 22 years of my payments that XXXX had screwed up acceptance of and accounting for payments which I tendered. ATG Credit failed to respond to my e-mail and request for an accounting dated XX/XX/XXXX. I sent another email with my change of address to XXXX XXXX at XXXX on XX/XX/XXXX but never received a response to my questions or requests. I am now applying for a limited license from the State Bar of New Mexico to practice law with a legal aid provider but ATG Credit 's lack of response is holding up my application.
Product: Student loan

According to my XXXX credit report there is an account MOHELA/DOFED in the amount of {$75000.00}, in my name. Although it is in good standing it is not my account. Payments have been made but I have not made those payments. The MOHELA accounts were also on my XXXX and XXXX reports but were disputed and are now shown as closed. 

I need this removed because it is affecting my income-to-debt ratio for purchasing a home. 

I had student loans with XXXX but they are shown as closed on all my credit reports due to including them in a bankruptcy approximately 5 years ago. I have never had an account with MOHELA and whomever is making these payments is not getting credit towards their credit score. 

I have filed two disputes with XXXX. The first had no results and was closed. The second is still open but this MOHELA account needs to be addressed. Since it is not mine, I have no supporting documentation to prove it is not mine and I can't get a MOHELA representative on the phone to discuss the issue. 

I have tried contacting MOHELA directly by phone - but the wait to speak to a representative is usually XXXX hours. I have sent them a letter of my complaint on XX/XX/year> and of course have yet to hear from them because it has only been a week. 

I called XXXX today and they suggested I file a complaint with your agency in an effort to get MOHELA to respond to their investigation. 

Please call me at XXXX if you need further information.