23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am filing a formal complaint against Wells Fargo regarding the abrupt and unjustified closure of my accounts, as well as the severe financial and reputational harm caused by their actions. 

Without any clear explanation, Wells Fargo closed all of my accounts, citing vague suspicious activity. This issue arose immediately after I attempted to deposit a legitimate paycheck from a reputable company I worked for. Additionally, they closed my credit card after erroneously double-charging my checking account. 

As a result of their actions, I experienced : Financial Hardship : Wells Fargo held my remaining funds for three months before finally issuing a check. This caused significant disruptions to my financial stability. 
Damage to My Credit Score : Closing my credit card without cause negatively impacted my credit history. 
Harm to My Professional Reputation : The problems with my paycheck deposit led to unnecessary complications at work. 
Poor Customer Service : Reaching Wells Fargo representatives was time-consuming, and most interactions failed to provide any resolution or meaningful assistance. 

Wells Fargos handling of my accounts has been nothing short of a nightmare, creating undue stress and financial discomfort for me and my family. Given my experience, I would strongly discourage anyone from banking with Wells Fargo. I urge the Better Business Bureau to investigate this matter and hold Wells Fargo accountable for their unjust actions. 

Sincerely, XXXX XXXX
Product: Student loan

I originally took out a loan from XXXX to pay for my education at XXXX university. Since graduating, XXXX has sold off my student loans to other debt collectors including Navient & now XXXX. After receiving multiple calls a day from XXXX- I finally answered. A woman went through all of my financials to come to the conclusion that I had no extra money lying around monthly to make minimum monthly payments. She then suggested I borrow money from friends and family to pay off their debt. Umm no, if I had that as an option to BEGIN with for my education i would have used it rather than take out a private loan with an extremely high interest rate. Then she suggested I take out another loan to pay for their debt they are collecting. Again, NO- if that was so easy I would have done it already ... and isnt it illegal for a debt collector to suggest I take out another loan to pay off their debt? 
Finally, the last option she gave me was a settlement of paying a significantly less amount of $ XXXX instead of the $ XXXX she said my balance was, yet she couldnt put anything in writing to validate this was an agreement. yet she wants me to agree to something so significant without any sort of validation or protection for me. 

It has been a week and I have received 34 calls from them since then, and not one email or anything in writing that states my total balance or any thing that was spoken about on the phone. The harassment is UNREAL.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice which violate the customer financial Protection Act ( CCFPA ) Specifically Cash App failed to take timely and efficient measures to prevent and address fraud on there platform. Leaving my account valuable and unprotected. Furthermore there deceptive as they did not comply error resolution requirements under the Electronic fund Transfer Act ETFA and Regulation XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate readdress for these violations.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX of Freedom Mortgage reached out to me to do a XXXX XXXX. I told her of my experience and she stated it would be different this time. After looking over the paperwork I decided to go ahead and go through with the refinance. I had went through an experience with them last year in regards to adding my spouse to the title work. The same issue arose and they told me that they could not add her. I had to resend everything again to have them add her knowing that they could and it would be easier to do it during this process. I went to scheduled on XX/XX/XXXX and they could not accommodate my request when I told them that I could not close on the date provided. The scheduling department kept trying to explain the process and would not let me pick my own notary since they could not accommodate my request which should be my right as the consumer.
Product: Credit reporting or other personal consumer reports

I'm writing to notify you that I have recently been a victim of identity theft, leading to multiple fraudulent entries on my credit report. These 2 accounts and 31 inquiries were added without my knowledge or authorization. 

ACCOUNTS - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX INQUIRIES- EXPERIAN XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XX/XX/XXXX I have already reported this matter to the Federal Trade Commission ( FTC ) and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD  XXXX XXXX CARD  XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX for months. XXXX and XXXX have deleted them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX INQUIRIES : 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 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

I have a problem with XXXX  and Transunion not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX  but both XXXXx and Transunion DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house.

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both XXXX and Transunion maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by XXXX  and Transunion, and most banks and mortgage companie

s use the " HIDDEN '' numbers from XXXX specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. By keeping the mortgage scores hidden, XXXX and Transunion DO
NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you
Product: Credit card or prepaid card

I used to have a credit of about us {$5000.00} in my account with CHASE credit card. It was a refund from a trip I had to cancel. Instead of wiring that money to a checking account for example, CHASE decided to send a cashiers check to my international address ( in XXXX ) without informing me. There was no email or phone call saying they will mail that check. In XXXX, where I live, the post is not super secure and I would have never approved that action. When I realized what happened, the money was gone, I called the company for the first time on XX/XX/2022 and they told me somebody cashed the check. They had a picture of a fake signature ( apparently on XX/XX/2022 ). During the last year, I spoke with at least 15 different people. First, they said they tried to cash the check but was rejected ( naturally because the signature was clearly faked ). But then, Chase refused to give me my money back and told me they need time to start an investigation. Every time I call, they say something different and usually that they need 180 more days to find out what happened. I keep explaining that nobody can cash a cashiers check in XXXX ( there are no banks that do that ). This should never be the clients fault. Any other company by now, would have returned the money to the customer. A check was stolen in the mail ( a check that they never told me they would send to a foreign address ) and Chase can not fix it, they keep telling me to wait. Its been 1 year now and I get no answers. For Chase = Reference number XXXX
Product: Mortgage

Spoke to XXXX  in Customer Service XX/XX/year> she stated there is foreclosure sale date for XXXXXXXX XXXX2024. Trial modification was approved modification approval mailed Friday XXXX, 2024. She also said SPS loss mitigation dept. spoke to me XXXX XXXX, 2024, and I gave consent to accept the modification trial offer. I told her this conversation never took place. I asked who the law firm was officiating the foreclosure sale. She advised it was XXXX XXXX. I stated I never got a letter from SPS or law firm stating my home had a foreclosure sale date or it was in pre-foreclosure. She added 1st payment for modification trial is due XXXX XXXX, 2024. Requested to speak to relationship mgr. XXXX # XXXX, she stated he wasn't available, requested call back from relationship manager. Spoke to XXXX Supervisor XX/XX/year>2024 she stated a letter was mailed out for foreclosure sale and trial modification approval XXXX, 2024. I stated there is not to be a foreclosure sale date on my property if there is a trial modification approval and I never received mail on foreclosure sale. She also stated payment is due on XXXX, 2024 and I did not have until the last day of the month to make payment. I have not received any mail with the foreclosure sale date or trial modification approval. She stated SPS doesn't always give the homeowner mail time to receive documents or make the payment the foreclosure attorney just sets a sale date. I added I feel I am being discriminated against because of my age, color of my skin. I also feel SPS is trying to foreclose on my home by not providing notices by mail of their servicing 's practices. I researched internet saw several lawsuits from FTC & CFPB. Supervisor customer service was very rude if I ask questions on my account.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Comenity Bank, identified by account number XXXX or XXXX as it appears on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is crucial that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Comenity Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly troubling as the late payment is not reflected on my credit report with XXXX nor XXXX. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Comenity Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports.

Additionally, in accordance with 15 U.S. Code 6802, Comenity Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Comenity Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to manage the disclosure of personal information and operate fairly in commerce.

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family.

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Comenity Bank 's reporting. I also request that Comenity Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

I challenged XXXX and XXXX to remove the below dispute and both did ( see example below from XXXX. However, as of today, it's back on my record. To make matters worse, I attempted to dispute it 5 times via their online site and it didn't work. Then I called them, and when I finally spoke to someone in the XXXX with a heavy accent that was difficult to understand, they hung up on me. So I called them again, and again they hung up on me. Mind you, I was not rude or angry in either case. They blamed it on their " Signal ''. They're a bunch of thieves! 


XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$150.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reason Ownership : I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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