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

Dear Consumer Financial Protection Bureau Representative, I am filing this formal complaint against Wells Fargo regarding their unjust decision to close my personal and joint accounts, as well as their unprofessional conduct in handling the situation. The circumstances surrounding these actions have caused significant distress and financial inconvenience, and I believe their reasoning is baseless and unjustified. 

Wells Fargo informed me that my personal account was closed due to an alleged fraudulent electronic transfer. However, I have never initiated any wire transfer from my account. The only transactions I conducted using this account were through XXXX, and all of those transfers were sent to accounts under my name at other banking institutions. There was no unauthorized or fraudulent activity on my part. 

Furthermore, Wells Fargo proceeded to close a joint account that my wife held with them. When she inquired about the matter over the phone, she was told that I was considered a " fraudster '' and that she could open a new account, but only without me. This statement was not only defamatory but also deeply upsetting and damaging to my reputation.

I made multiple attempts to seek clarification regarding this decision. I called Wells Fargos customer service and also visited a local branch in person to understand why my accounts were closed. Unfortunately, I was not provided with any concrete explanation or evidence to support their claims. During one phone conversation, an agent mentioned an unauthorized wire transfer as the reason for closure. However, as I understand, initiating a wire transfer would require access to my account, which was never the case.

I am extremely frustrated and angered by Wells Fargos decision and the way I was treated throughout this process. I have never engaged in any fraudulent activity with any of my bank accounts across multiple financial institutions. Their actions not only disrupted my financial stability but also defamed my character without any basis.

I request the Consumer Financial Protection Bureau to investigate this matter and hold Wells Fargo accountable for their unfair banking practices. I would appreciate a prompt resolution to this issue, including an official explanation and, if possible, reinstatement of my accounts.

Please let me know if you require any additional documentation or information from my side.

Thank you for your time and assistance in this matter.
Product: Mortgage

I was late on one payment to Mountain West financial in XX/XX/XXXX. After that month I made all my payments on time within the given months. Because years ago I missed a mortgage payment I confirmed each month on the phone that the payments were posted to the current month which they confirmed. 
When I went to my new mortgage company, as XXXX left XXXX  and sold our mortgage to Mission, and began the process of a second mortgage using my equity I was told that I had to wait until XX/XX/XXXX as I had late payments posted from XX/XX/XXXX through XX/XX/XXXX. 
I called XXXX and was told to download my history for confirmation of late payments. 
I was also given a mail only address to request a change in my credit report and file a complaint with them. 
I did that Return Receipt with signature on XX/XX/XXXX. 
I was told three weeks ago that I would have an answer by XX/XX/XXXX. I called today, XX/XX/XXXX and was now told, on a recorded line, that it is now XX/XX/XXXX before any response is to be expected. 
This " Qualified Written Request '' is not available for any phone or email communication, only able to send to this address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
I have attached a copy of the letter I sent XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX  XXXXXXXX XXXX  XXXX OHXXXX XXXXXXXX XXXX XXXX OH,XXXX  My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, Statement Personal Statement Personal Statement Personal Statement The other inquiries 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 XXXXXXXX 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  the dates on these inquiries are XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX 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 XXXXXX/XX/year>
Product: Credit reporting

I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.
Product: Mortgage

The below lender have pre-approved me based on my explained job condition, however denied me from final approval ( in fact did not give any response until I lost my ability to recover my easement payment of {$3500.00} ). <P/>Finally after my pushing of several days for a response ( one way or another ), they denied the application. But they this time, refused to transfer the Appraisal that I paid for, to the new lender that I have agreed to work on. There is no contract that says it is their appraisal as I paid for it and only gave authorization to appraiser to release it to them. <P/>The transfer of appraisal has no cost to the lender nor hassle. But it will cost me over {$520.00} again to order a new one. <P/>I would like to file a complaint about this lender. <P/><P/>Lender XXXX XXXX ( aka Cardinal Financial Company ) NMLS # : XXXX Loan Originator Name : XXXX XXXX NMLS # : XXXX Lender Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX
Product: Mortgage

I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.
Product: Payday loan, title loan, or personal loan

Eagle loan is charging me fees I didn't realize. They are also calling the loan secured but I didn't give them collateral. 
I have made 5 payments of {$190.00} which totals {$970.00}. I only borrowed {$1400.00} and they told me to pay it off would cost {$1200.00}. Is that legal in the state of Ohio?
Product: Bank account or service

I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law NRS 104.9609 regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession. 

On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, Nevada law ( NRS 104.9609 ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXX XXXX XXXX XXXX Texas time ), leaving me with less than 30 minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance.

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the XXXX XXXX XXXX for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( XXXX ) the email from XXXX XXXX XXXX, ( XXXX ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( XXXX ) the FTC complaint confirmation.
Product: Debt collection

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting

Equifax has not and will not provide me with the phone number for the collection agency listed on my credit report. The collection agency 's name is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries reporting on my credit report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 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: Mortgage

I keep receiving letters from Mr Cooper regarding my home insurance. They keep saying I don't have insurance and they are going to force me to take one they choose. I can't talk to anyone. I can't get past their " loan verification '' system with my SS or my loan number. Have tried to Chat but just get a message that they can't help me. I have no way to take care of this problem when communication with the company is impossible. I NEED to know if they have record of my home owners insurance. 


XXXX XXXX
Product: Credit card

On XX/XX/year>, i was alerted by XXXX XXXX  that there had been an inquiry on my credit. Upon further investigation, it looks like an application for a JetBlu credit card was submitted through Barclays Bank Delaware without my knowledge or approval. I called them immediately and reported that inquiry as fraud. They said they did so, but i want to make sure they actually did. Looking into this bank, it seems that a lot of people have the same issue with this bank, and i think someone should look into it.
Product: Checking or savings account

I went to check my account and realized that i have several of unauthorized transactions on my Chime checking account that I have no knowledge of. A total of XXXX unauthorized transactions has been made on my account which totals up to be {$1200.00}. I reached out to Chime support and reported the issue to them to make disputes on the unauthorized transactions and was told to call them back within a XXXX XXXX XXXX when pending as been taken off of my account for the unauthorized charges. {$1200.00} has been taken out of my Chime checking account.
Product: Credit card

There is a Capital One credit card ( with XXXX missed payments ) listed on my report that I never opened or used.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Hi, In XXXX of XXXX my identity was stolen and used to start and open an account with XXXX internet an T.V. services for monthly high speed internet in the XXXX Missouri area. I believe the internet service charge was for roughly {$30.00} dollars a month. from what I understand, the Internet Installer Technician went to the thieves home/apartment around the end of XXXX XXXX, installed the internet service from XXXX, and then left, without asking to see an I.D . to verify my Identity, or some kind of proof of a new customer account. 
And he also did not get a credit/debit card from the customer, or any kind of payment at all. and apparently all they needed was my name and information and thats all it took to create this internet account. 
I was living in XXXX Missouri from XXXX XXXX until the end of XXXX XXXX doing out of state work with my construction company, but aside from that I have no connection to Missouri or XXXX internet services. 
I did not find out until several months later that all of this had happened under my information. I found out because I received a call around XXXX XXXX from a credit collection company saying I owed them {$140.00}. I informed him that it was not me that had started that account and that someone must have stolen my identity to do it. He said there was nothing he, or XXXX, could do and that I was responsible for the balance of {$140.00}. Ive never dealt with Identity theft, or been delinquent on any payments in my life, so I told him I 'm not going to pay the {$140.00} because it was n't me. and that if XXXX has a problem with that they can call me. 
I never received and calls from XXXX. however, I started to receive more then 8 calls a day from creditors demanding that I owed them {$140.00} in fees and charges. It was out of control. I kept telling them that it was n't me, and i had no idea until now, that you could actually dispute the charges. I also asked repeatedly to be put on the DNC, or Do Not Call list, and still i kept receiving phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft COMENITY BANK/WAYFAIR Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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