23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!
Product: Checking or savings account

So this is my third and final attempt at reaching a resolution with Wells Fargo, As stated in my previous dispute with Wells Fargo Bank. I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I am attaching XXXX as well as my IDTheftReport and the response from Wells Fargo as of last time. 

Wells Fargo advises they are researching this issue, yet they are still reporting information to XXXX XXXX Services stating that i had opened these accounts and the accounts were " Closed for a Cause ''. First of all i never opened the Checking Nor Savings Account, Nor Credit Card. As i have mentioned numerous times to Wells Fargo, I tried speaking with Online Fraud which told me they couldn't help me that i needed to come in Branch. Going into a Wells Fargo branch does me no good as i haven't ever banked there before, and Wells Fargo is internally reporting me as a risk to the bank yet i never opened these Checking, Savings and now i am learning an investment account was opened which i also did not do. My Email was hacked. My Identity was stolen, and these accounts were opened as a result. They also previously forwarded my mail and stole my Email these crooks. I had to have the USPS help me get my mail again. Wells Fargo hasn't even reached out to me with any information. They did not provide resolution and continue to report internally false information.
Product: Debt collection

1. XX/XX/XXXX (? ) XXXX, finished moving out with board member XXXX XXXX 's help. She took photos for me and cleaned the windows, noting the worn out but not broken by me equipment. I shampooed the carpets last. Perfectly clean, no damage. Put unwanted mattress out front exactly like move out instructions. There was no damage, and I was paid up. 
2. No bill sent to me ever. CA law demands in 1950.5g1 that the bill be sent in 21 days, let alone bill before going to collections. My first knowledge, and later confirmed their first contact, was to send it to collections without billing me. Per CA law, they had to bill me immediately so I could challenge the bill. They did not, so there is no bill per California law. Even without that law, this can't have gone straight to collections.

3. Many months later, learning that my credit was destroyed, I contacted XXXX XXXX, my renter 's insurance I maintained the entire time. Adjuster is XXXX XXXX - XXXX XXXX. She contacted XXXX XXXX and RDAC and for a bill, and they gave a loose summary, of half the original amount. She asked for a bill she can actually pay. She then asked me if XXXX should pay it, and as it would have been paid after being in collections some time and not go off my record, I told her not to so it wouldn't stay on my record as paid after months in collections. 
4. Asked by RDAC, XXXX, and whoever, the local manager refused to correct my file, on repeated contact for months ... She refuses, even though I have evidence against her. It would take thousands to go to court for {$750.00}, so she is intentionally ruining my credit and ability to move to any rental ever. {$750.00} for destroying the place keeps me from renting anywhere ever.

5. Recently finding that my credit rating is still destroyed even though I disputed this on credit reports, I disputed this and XXXX already came back saying it stays on my file. Per XXXX, you are the next agency to contact.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate These Inquiries : XXXX XXXX ( Finance ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Inquiries that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate. 

I as the consumer have a right to privacy.
Product: Money transfer, virtual currency, or money service

I transferred money to a contractor who lied to me and said he was going to flip my house. He took the money and moved from NJ to FL. I sent him a wire on XX/XX/2020 for {$17000.00} and XX/XX/2020 for {$35000.00}. He stopped responding. I contacted Bank of America and they said there is nothing they can do.
Product: Credit reporting

I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???
Product: Consumer Loan

I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.
Product: Checking or savings account

I received information from Huntington Bank on my last statement period that they removed {$83.00} ... from my checking account to pay a stand by cash account. There was no balance on my stand by cash account. It was paid a while back in the typical three monthly installments. No further credit was available to me on that account. Making it impossible for me to have any new stand by cash loan be made. I asked for a copy of that stand by cash account statement. None was given to me. I did speak with a gentleman at Huntington Bank customer service who gave me some ridiculous information about differing XXXXXXXX XXXX amounts being paid on that stand by cash account. Again I asked for a copy of a statement. None was given to me. This money has never been returned to me and no effort has been made by Huntington Bank to clear up this theft. I want immediate action taken to stop Huntington Bank from these egregious actions.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally regarding late payment entries on my credit record. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than XXXX  days ago but have received no response, nor adequate validation. I request your help in addressing this matter quickly and effectively.
Product: Checking or savings account

TD bank has decided to close my accounts the stated they mailed me a letter letting me know that the accounts would be closed, I check my mail everyday and never received a letter, they actually allowed me to open a new account a few days ago and made no mention of the existing accounts being closed, they now have all of my accounts restricted including the new one and are holding my money. I call customer service and they tell me to go to a branch I go to a branch and the branch says they cant call the back office to get resolution and have the accounts released or funds withdrawn for me. This is creating a huge issue and the lack of customer service is unacceptable.
Product: Debt collection

Received a communication from a debt collector ( credit management, L.P. ) suggesting that I owe a debt to XXXX cable for {$110.00}. I have not had any communication from XXXX since XXXX of 2020 when our business was closed from an apartment internet service. I owe absolutely nothing to XXXX and I am outraged that they would not only charge me without reason but then fail to communicate any knowledge of this supposed debt to me until I finally receive a notice from a debt collector and see damage to my credit.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am contacting you in regards to several accounts that are reporting erroneously and incorrectly. 
XXXX {$13000.00} XXXX XXXX XXXX XXXX Federal XXXX {$12000.00} XXXX XXXX XXXX XXXX Federal XXXX {$26000.00} XXXX XXXX XXXX XXXX Federal XXXX {$3000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX The accounts were all charged off an paid in full I have the evidence to show you that the accounts were sent to the IRS and accepted. The amounts are shown on each XXXX and the instructions are listed. I would like for you make the immediate corrections on my consumer report by correctly implementing the correct account amount, and information that I am providing you with a copy of the XXXX amount paid off in the full from the IRS.
Product: Credit card

XX/XX/XXXX Citi Bank sent me a email telling me of possible fraud purchase.They canceled this card and said they would send me a new one which I refused but receives anyway. I never used the old card and new activated the new one. I called after trying to find this charge on my acct, XXXX.The dispute department said they would look into it and gave me a conformation number XXXX. XX/XX/XXXX I called again and talked to XXXX and she told me it was still trying to be resolved. XXXX XXXX told me it was still under investigation In may I called they said part of it was resolved XXXX requested again a copy of the charges and was told they would email it to me. The statement showed $ amount but not who it was to. Called again and after XXXX minutes of runaround I was told they would send it again, The statement was for the new card with the charges transferred to it, Still don't know what its for.Statement said can not show information on a closed account. The statement I received in XX/XX/XXXX was for {$67.00}, it now is XXXX and my credit scoreHas gone from XXXX to XXXX. I can not get this resolved can you help
Product: Credit reporting

experian 's upload/dispute system does not function ... .I could not reinvestigate XXXX items. 
XXXX, acct. XXXX ... .is claiming XX/XX/XXXX XXXX.IT IS XX/XX/XXXX. 
PLS DELETE ACCOUNT. 

XXXX XXXX .... IS A PAID ACCOUNT. 
THE CURRENT AND PREVIOUS PRESIDENT OF USA HAVE CREATED LEGISLATION FORGIVING STUDENT LOANS AND REDUCING PAYMENTS WITH ATTATCHED FORGIVENESS BECAUSE OF UNEQUAL UNFAIR TREATMENT OF PERSONS UNDER THE LAW ... ..WHY PENALIZE ME WITH CREDIT DAMAGE AFTER I HAVE PAID MY LOAN ... PLS DELETE ACCOUNT THAT HAS MULTIPLE INACCURACIES IN PYMT HISTORY.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have numberous reports complaints whichunable to establish and credit scores. XXXX which l have hired different credit repair companies XXXX, XXXX XXXX XXXX to assist me on removing ltems been already verified. XXXX. Deputes Which never been updated.. My credit score notice every month decrease credit score ratin .every begin of month make it hard for anyone to give me CREDIT Whenever l notice positive .scorei in one credit reports company. Which shows. Huge decrease in the other reports credit.. Every company anyone applied for credit. Which has report XXXX better equfax. System will not allow me to reach the score
Product: Credit reporting or other personal consumer reports

I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least 4-5 sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record
Product: Credit reporting or other personal consumer reports

I have tried contacting this company multiple times and even went through this portal to submit an official complaint in XXXX with no resolution or clarification on this consumer account. 
I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I am filing this complaint regarding an alleged debt from XXXX that is being reported on my credit report and pursued by a collection agency. Despite multiple attempts on my part to obtain proper validation of this debt, as required by federal law, the collection agency has failed to provide the necessary documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), consumers have the right to request validation of any alleged debt within 30 days of being contacted by a debt collector. Validation must include clear evidence that the debt is valid, including details about the original creditor, the amount owed, and documentation showing that the debt is connected to the consumer. To date, no proper validation has been provided for this alleged XXXX debt. 

Furthermore, the continued reporting of this unvalidated debt by the credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. Reporting an unvalidated debt constitutes inaccurate and unfair reporting, causing harm to my credit profile.

Requested Action : Immediate Investigation : I request that the CFPB investigate the collection agency and the creditor, XXXX, for their failure to validate the alleged debt. I also request that the CFPB ensure all collection activities cease until proper validation is provided. 

Removal of Debt from Credit Reports : I request the immediate removal of this unvalidated XXXX debt from my credit report across all three major credit bureaus ( XXXX, TransUnion, and XXXX ) to prevent further damage to my creditworthiness. 

Compliance Assurance : I ask the CFPB to ensure that both XXXX and any collection agencies acting on its behalf adhere to the FDCPA and FCRA moving forward, providing proper validation before attempting to collect or report any debt. 

The failure to validate this debt violates federal consumer protection laws and has caused undue stress and harm to my financial standing. I request the CFPBs assistance in resolving this matter promptly and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this issue.
Product: Credit reporting

Experian has engaged in illegal Identity Theft, Conversion and illegal debt collection actions with perpetrators XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Experian tampered with and manipulated my consumer report for several years in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Identity Theft Laws.
Product: Debt collection

Repeated threatening phone calls at all hours of day including late at night. Also when described my situation they threatened to have me arrested and that they could take my social security XXXX check that I get every month.
Product: Debt collection

MONEYLION INC- Added information to my credit report stating I owed them a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day-I have disputed on several occasions an inaccurate XXXX XXXX reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020 in which I asked method of verification-again I have not received and reply from TransUnion. My third letter was sent on XX/XX/2020. To date I have not received a direct response to any of my disputes-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.
Product: Mortgage

I am writing to file a formal complaint against Citizens Bank regarding what I believe to be unfair lending practices in connection with a Home Equity Line of Credit ( HELOC ) application. 

On XX/XX/2024, I applied for a HELOC with Citizens Bank, attracted by its advertised Annual Percentage Rate ( APR ) of prime rate minus 0.5 %. However, upon receiving the lending disclosure, I was shocked to discover that the variable APR of the HELOC may be as high as 21 %. This drastic increase from the advertised rate to 21 % is alarming and appears to be unconscionable and usurious. 

Furthermore, the lending disclosure provided by Citizens Bank failed to adequately explain under what circumstances the APR could escalate to 21 %. There was no clear indication or transparency regarding the triggers for such a significant rate hike. Additionally, the document did not outline any process for notice or appeal in the event of an increase in the APR. This lack of transparency and clarity puts consumers like myself at a significant disadvantage and leaves us vulnerable to arbitrary and unjustifiable rate increases. 

Moreover, I am deeply concerned by the fact that Citizens Bank required me to sign the lending disclosure document without providing a copy of the signed document for my records. This lack of transparency and failure to provide essential documentation undermines consumer rights and raises serious questions about the bank 's commitment to fair and ethical lending practices. 

In light of the aforementioned issues, I urge the Consumer Financial Protection Bureau to thoroughly investigate Citizens Bank 's lending practices and take appropriate action to address any violations of consumer protection laws. I believe that it is imperative to hold financial institutions accountable for their actions and ensure that consumers are treated fairly and ethically. 

I appreciate your attention to this matter and look forward to a prompt resolution. 
The application number is # XXXX.