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

On XX/XX/XXXX, Wells Fargo closed my debit card, without any warning whatsoever, because I accidentally pressed order multiple times on XXXX. The app instructed me to resubmit, due to error and I never received any verification request from the bank, so I assumed it was a glitch. At this point, I didnt even know that my card was closed. I contacted support right away, via their apps chat and spoke to XXXX, who informed me that the card was automatically closed by the bank because I was re-attempting XXXX, XXXX, and XXXX charges. XXXX automatically attempts to reprocess charges if an order doesnt go through when they are trying to ship it. I also tried moving some money to my XXXX  account because I thought that maybe it would work at XXXX  if I tried a different card. XXXX instructed me to visit my nearest branch to request a new card. I visited my nearest branch on XX/XX/XXXX & spoke to a banker, who had absolutely no idea why my card was even closed, but informed me that his manager would have to override the request to issue a new one. He stated that his manager was currently out of office and in XXXX  & did not know of her expected arrival. All that they could offer me at the present moment was an atm card and he suggested that I come back another day. I am XXXX, on limited income, and nobody in my household has a vehicle at this time so I cant just go another day, especially if my card is disabled ( preventing me from requesting XXXX  ). This is the only card that I had at the moment and my direct deposit goes through them. I attempted to explain this all over again to multiple WF representatives but none of them were able to assist me or close my account. It is now about to be XXXX and I still dont have a card.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against American Express regarding the inaccurate reporting of my closed account on my credit report. Despite the closure of my account with American Express in XXXX, which is now over XXXX XXXX XXXX, they have persistently reported false activity on my credit report, with the most recent instance occurring this month, XX/XX/XXXX. 

Under the Fair Housing Act, specifically code 1681 Section 623 ( a ) ( 1 ), it is explicitly stated that inaccurate information must be removed from credit reports. American Express 's ongoing reporting of false activity on my closed and charged-off account directly violates this provision.

Moreover, American Express has recently provided a response to my complaint, in which they denied the accuracy of the issues raised, suggesting they have been compliant with reporting guidelines. However, this response contradicts the factual evidence and misrepresents the situation.

I am formally requesting the immediate removal of the inaccurate information from my credit report in accordance with the provisions outlined in the Fair Housing Act. It is imperative that American Express rectifies this matter promptly and ensures that accurate information is reflected on my credit report moving forward.

I appreciate your attention to this matter and urge you to address the misleading response provided by American Express.
Product: Credit reporting or other personal consumer reports

Dispute account : XXXX XXXX The original creditor failed to provide validation which they said they would ( cleaning fee itemized bill and others ). 

This account has been disputed multiple times. 

XXXX XXXX is only coming after 1 person out of 4 with incorrect collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 


XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for XXXX XXXXper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXXXXXX XXXXXXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX XXXX XXXX XXXX, further exacerbating my XXXXXXXX XXXX  challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the XXXX XXXX caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.
Product: Consumer Loan

This lender has an address on their website where payments are to be sent. I 've sent in payments via certified mail and although the lender has received the payments, they will not post them to my account. Their " payment '' mail box is either unmonitored or they are deliberately holding payments in order to collect fees. I 've attempted to call the customer service number to discuss the matter, however regardless of the time or day, the recording always indicates that I have reached them after hours. I have additionally attempted to reach them via the email link on their website, which does not function. 

I sent my payment in and the lender received it. I believe that they have a responsibility to post payments the day they are received. At this point my payment is delinquent because of their failure to act appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 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

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Mortgage

On  XXXX / XXXX / XXXX  we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new   XXXX   home in  XXXX , so obviously we could not have negotiated a mortgage that existed in  XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a  30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and  yet our taxes are rediculously high.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint against CAVALRY PORTFOLIO SERVIC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CAVALRY PORTFOLIO SERVIC for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that CAVALRY PORTFOLIO SERVIC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. I hereby declare my revocation of all communication channels withCAVALRY PORTFOLIO SERVIC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat CAVALRY PORTFOLIO SERVIC provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CAVALRY PORTFOLIO SERVIC is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that i opened an account with CAVALRY PORTFOLIO SERVIC is balantly false. I neither received any services or products from CAVALRY PORTFOLIO SERVIC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights. Moreover, it has come to my attention that CAVALRY PORTFOLIO SERVIC is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of CAVALRY PORTFOLIO SERVIC constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. Please keep me informed about the progress of this complaint, and i appreciate your attention.
Product: Debt collection

I recently got my annual credit report and I noticed a collection for Afni inc I disputed and it came back as verified but I never got any documentation to prove this debt belongs to me. I also never recieved a letter within 15 days to remind me of my right under the fair credit reporting act to dispute. I also contacted the orginal creditor to get documentation that the credit agency coudnt give me. The orginal creditor dosent have a signed contract with my name on it so how can this debt collection company verify this debt is mine. I will not pay this debt because the orginal creditor dosent even have a contract and I refuse to pay something I dont owe. Even though there isnt a orginal contract bearing my signature Afni inc is still reporting this account on my credit report which is a violation of the fair debt collection act. If I am not provided the orginal contract bearing my signature proving I owe this debt and I'm not provided license to collect in my state of Ohio I will not pay this debt and i will persue litigation for XXXX $ for violation of the debt collection act because this account still remains on my credit report
Product: Mortgage

On XX/XX/2017 my mortgage with Wells Fargo, went from {$2200.00} to {$3500.00}. After this payment had adjusted Wells Fargo refused to give me a loan modification, I was still making my monthly payment, but falling further and further behind. Wells Fargo refuse to give me a loan modification. So i was able to work overtime to make the {$3500.00} payment, but i had fallen six months behind.With over {$450000.00} worth of equity, and a very strong job with income it was very obvious that Wells Fargo didn't want to give a loan modification or reconstruct the loan .... very very obvious crooked XXXX bank ... ..
Product: Vehicle loan or lease

I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.
Product: Checking or savings account

On XX/XX/XXXX my grandfather purchased an Investment Certificate in the amount of {$30000.00} from XXXX XXXX XXXX, XXXX Virginia. The Certificate states that it will bear interest the date hereof until original maturity at the rate of 6.85 %. The names on the certificate are XXXX XXXX XXXX and in trust for XXXX XXXX XXXX, which is my aunt. 

My aunt passed away on XX/XX/XXXX, leaving me as the beneficiary of her estate. I went into a local branch of Wells Fargo on XX/XX/XXXX, after researching whom XXXX XXXX was bought out by. I spoke with XXXX XXXX, Personal Banker at the XXXX XXXX XXXX in Virginia. He informed me that he would research the XXXX XXXX and contact me with his findings. On XX/XX/XXXX, XXXX XXXX contacted me and told me that his company was unable to locate any records regarding the Investment Certificate. The only recommendation he has was that I contact the Virginia Department of Treasury to determine if there were any unclaimed funds in either my grandfather 's or aunt 's name. 

I contacted the Virginia Department of Treasury on XX/XX/XXXX. The person that I spoke with informed me that no unclaimed funds existed under either name. She explained that financial institutions are obligated to send any unclaimed funds to the state. She also recommended that I contact the State Corporation Commission. 

I spoke with a gentleman by the name of XXXX with the banking section of the State Corporation Commission on XX/XX/XXXX. He was unable to assist, but recommended that I file a complaint with the SEC. He also stated that I may have to hire an attorney to resolve the matter. 

An online complaint was sent the SEC on XX/XX/XXXX. I have not received a response to my complaint as of this writing. 

On XX/XX/XXXX, I contacted the FDIC and was informed they were unable to help since XXXX XXXX of bought out by another financial institution. The person I spoke with recommended I file a complaint with CFPB. 

At this point, I'm not really sure what other measures to take to resolve this matter. If you have any additional questions or need further information, please contact me at ( XXXX ) XXXX. 

I have attached a scanned copy of the front and back of the Investment Certificate.
Product: Debt collection

A debt collection in the amount of XXXX showed up on my credit report. It is by way of a complex called XXXX XXXX XXXX. Ive never been too XXXX XXXX, let alone lived there. This debt is not mine and is the result of identity theft. The collection is coming from Professional debt mediation , Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an account with XXXX XXXX on my credit report. I have disputed this with each of the companies over and over over 3 years now, sent in all my proof of identification documents required and requested for this false account to be removed dozens of times. This is not my acct. I have no acct # that matches this. Ive requested numerous times for valid verification any docs, contracts with my signature on it etc.and received NOTHING! They havent provided any valid verification proving this is my individual account XXXX just told me they do not have documents they go by the word of XXXX XXXX. 
Both XXXX and experian reports XXXX XXXX as a charge off w/a balance monthly. This is in direct violation of my FCRA rights and I want it removed. It has stopped me from being able to purchase a house And get credit
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : 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. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The list of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 1681 604 ( A ) ( XXXX ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section XXXX ( A ).