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

Centennial has a habit of playing fast and loose with BANKING LAWS where my XXXX has an interest. My XXXX handles the a school account that is held with this particular Centennial Branch. I've previously complained to CFBP regarding a joint account I had with my ( then ) XXXX XXXX I had closed the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had the Centennial Branch REOPEN the account ( without my consent of knowledge ), an account IN MY NAME mind you, so that XXXX XXXXr could cash a check. Then they immediately closed the account again. That is ALL SORTS OF FRAUD. 

YESTERDAY, I discovered that something has happened to a joint account that I hold/held with XXXX XXXX. One of two things has happened : XXXX. The account ( a JOINT account IN MY NAME ) has been closed ( WITHOUT MY KNOWLEDGE OR CONSENT ), or 2. The account may remain open but my ability to monitor it online ( or otherwise ) has been removed ( AGAIN, WITHOUT MY KNOWLEDGE OR CONSENT ). 

Let me explain why this is a SERIOUS problem ( beyond, you know, VIOLATION OF BANKING LAW ) : my XXXX is in SERIOUS financial trouble. At one point, while we were married, she put us XXXX 's XXXX XXXX of dollars in debt that took us years to pay off. She even took out a credit card in my name without telling me ( yeah, she broke the law ). 

The XXXX that i have/had the above mentioned account lives with my XXXX. It's bad enough that Centennial may have violated the law to close the account ( because of a financial relationship the branch has with a woman who at one time put me in serious debt and committed financial crimes against me ), but ... if that account is still open and I can not monitor it anymore, the potential for financial damage to me is tremendous. Credit cards or loans may be applied for in my name WITHOUT MY KNOWLEDGE AND CONSENT with Centennial BEING COMPLICIT by the very fact that they've already BROKEN THE LAW to make changes to MY ACCOUNT without MY KNOWLEDGE AND CONSENT. 

Centennial is, hereby, notified that they are fully civilly and criminally liable for ALL DAMAGES that I may suffer.
Product: Mortgage

I tried to explain that needed more to due to a squatter in my home after my exwife went delinquent on the mortgage she had a renter living in property and after signing over to me I couldn't meet the deadline and wells fargo would help me and I lost property right in the process of selling it and they basically didn't care and that drastically affected me financially...
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB, complaint concerning inquiries placed on my consumer credit files. I was made aware of the inquiries back in XX/XX/2022. When I was sen a letter of denial for credit. On a vehicle loan application. 

From XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all made on XX/XX/2022. At the time these inquiries were made I was out of town attending a funeral. I did not find out about the inquiries until a week later. 

It was at this time I found out that the loans inquiries were made on the same date. I immediately contacted all three companies and advised them that I did not do a loan inquiry with their companies for vehicle loans. 

I started a complaint with both XXXX, and XXXX XXXX, and XXXX XXXX XXXX XXXX and they advised me that they would do an investigation. I assumed that they would investigate and remove the inquiries. I filed FTC complaints and forwarded it to the companies. And sent a copy to all three major credit bureaus. 

I reeived a copy of my Equifax Information Credit Report today. As, I was checking it I saw that the three inquiries were still on my report. I then called XXXX, spoke with the customer finace in vehicle loans departmenmt. I was advised that they did not see a loan of application for a vehicle. 

Nor, did they see any inquiries with my name for a line of credit. And did not know why a inquiry from XXXX was on my credit report. Infact, they did not even have my name in their systems at all for any line of credit. 

I also contacted XXXX XXXX, and XXXX XXXX XXXX XXXX also. No company could provide me with any application information for a vehible loan at all. Therefore, that this was a result of fraudulent activities. 

I am demanding that this complaint be sent to all three companies. XXXX XXXX, and XXXX, and XXXX XXXX XXXX XXXX XXXX to remove these inquiries from my credit files. Last year I was advised that the fraudulent inquiries would be removed. 

But, apparently were not removed and could not give any infomation as to why they were on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I called Transunion to remove inquries that i did not authorized.i spoke with a XXXX Rep that was handling my request. in the midst of our phone call, as we confirming the ones that needed to be removed, the call was disconnected.i called back and waited 15 minutes to get another XXXX rep on the phone.i explained to him what happened and how the XXXX Rep on the phone.I explained to him what happened and how the XXXX rep was deleting unauthorized Inquries and could he continue. he told me that he couldnt do it Again. i explained that the other XXXX rep was in the process of deleting these unauthorized Inquries.however.he did not care.needless to say, he didnt help mewith what the other XXXX rep was more than willing to help me with.there is XXXX inquries and also a repo from a car loan place and my score drop twice after talking to them when my accounts are all in good standing none of these Inquries since XX/XX/XXXX have been mines because i file an Identy theft
Product: Money transfer, virtual currency, or money service

I reach out to cash app via support chat nothing was done in returned. I let cash app know I was scammed out of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Experian ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Product: Credit card or prepaid card

I was sent a case of wine that I did not order, from a company that had my credit information from a precious transaction one year ago.
Product: Student loan

My loans started at XXXX XXXXXXXX XXXX XXXX, about XXXX for private loans. Then they went to XXXX  to which I did the private loan discharge with them in XXXX once I found out I could do that. Then they went to Mohela and were discharge mid XXXX. I asked via their portal email via my account about why I never recieved a letter that loans were discharged and whether I would be getting refunded my money that I have paid up until that point. A week later got an email via their online portal stating that I would never get my money back and they would never give money back to anyone. I sent them an email back asking why I wouldn't get refunded my money and said I have proof of others who have gotten full refunds and asked what criteria they got fully refunded. They then since dropped my account and have blocked me from correspondence with them.
Product: Mortgage

Quit simple really. Ive been making my house payment for years. Started out low XXXX. Ive set up automatic pay at XXXX and it automatically pays the payment. 
Apparently the escrow account was low so they raised my payment to XXXX. Keep in mind that the dispersement goes out in XXXX so it no due for 10 more months. The same company the sold my information so I get XXXX of spare emails so I XXXX XXXX spam blocker must have sent the only notice they were raising my payment to shame I. My phone. Because I have paperless billing, they felt no need to send me a first or or a second notice. Im sure the corporate bean counter caught XXXX people out of millions on the same scam. 

The result is after not making one late payment to any one in over 30 years my credit went from XXXX to XXXX. Im ashamed to be an American The very institution that systematically just destroyed my credit very same company that will now profit from the very bad credit. They just created, found away to ruin a XXXX XXXX XXXX mans credit that I will never repair cause I wont live long enough. This is the American way. 

The good news is I own houses in XXXX, XXXX, XXXX, and XXXX all of them outright except for this one house I dont need credit I can buy cash for everything Im going to buy Its disgraceful that with out over sight that company can do this to a consumer with no recourse to the consumer This is intentional Im sure its a highly profitable maneuver that catches unsuspecting people. My mistake I never shouldve went to paperless billing because I have not received a piece of Bill anything in writing from this company in years until they sent me the {$69.00} notice that I sent a late payment they couldve sent me that same notice telling me my bill went up, but if they wouldve done that XXXX people wouldnt have been cheated They did it they did it on purpose and Im sure its very profitable Im just ranting because I know XXXX XXXX  and nobodys gon na do nothing because its big business to XXXX an honest person
Product: Credit reporting or other personal consumer reports

I have been a victim of identify theft since during XXXX  in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. 

XXXX, Equifax and XXXX have not blocked the information off my report as required by law. 

I have attached all the documents again to this complaint.
Product: Debt collection

Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a collection account from XXXX XXXX XXXX on my credit report to which a validation letter sent to them certified mail and a complaint filed on this website against this company and the collection company replied that they would have Experian REMOVE this bogus account from my credit report. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response We have taken the necessary steps to remove this debt from the consumer 's credit report. The action will take place within 30 days of XX/XX/2020. No, follow up is needed, Experian will update the reporting after 30 days of the date provided.
Product: Debt collection

National Credit System is attempting to collect on a debt that they claim I, my wife and roommate owe for XXXX XXXX XXXX claiming they were not giving notice of our move out. I sent them a letter requesting that they validate the debt and provide documentation that they are licensed to collect this debt. They have ignored my dispute letter which included the notice of intent to vacate that I sent to XXXX XXXX XXXX and are now threatening to report this debt on my credit report and the credit reports of my wife and former roommate if I do not pay them immediately. They claim they did not receive the dispute letter I sent but I have proof that a representative of theirs picked up the letter and signed for it at the PO Box they  instructed my to send a dispute letter. They have also ignored my verbal requests for the documentation validating that this debt is valid and that they are properly licensed to collect it.
Product: Payday loan, title loan, or personal loan

Almost a year ago I began the process to have solar panels installed. XXXX XXXX was contracted to do the work. They quickly went out of business after simply putting the panels on my roof - nothing more. The wires are still dangling down the side of my house. Sunlight Financial authorized payment to XXXX despite the system not actually being installed. This began my monthly loan payments with XXXX XXXX XXXX XXXX. I have tried contacting Sunlight Financial but they rarely reply - only on their terms and requesting info they want and never to address the issues. I have called XXXX XXXX XXXX XXXX who claims they can not stop the payments even though they admit the system is not installed. I have spent almost $ XXXX out of my pocket to get the system almost installed- all I need is XXXX XXXX to rush my paperwork, and the electricians to install the XXXX panel and a final inspection. No one seems to want to complete the work. All I ask is that my payments be stopped without negatively affecting my credit until the system is actually installed per our contract.
Product: Debt collection

I have no information about this debt. 

I learned of it, checking my credit. 

I have tried multiple times to get information regarding this. 

I do not have an account number or the original company, I can not confirm or deny this. 
I have submitted multiple queries to the credit bureaus, 2 of which have dismissed it and I do not know why.
Product: Checking or savings account

I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that! 
So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.
Product: Checking or savings account

Bank is closing my account on XX/XX/2024 due to business reasons. I asked repeatedly why this is happening and what I did wrong. Id like to know so I can prevent any problems in the future. Wells Fargo did respond but never gave an answer. Just reiterated it was a business decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing a negative account on my credit report with XXXX XXXX XXXX which states I have not made any payments towards my debt when it has actually been making payments since XXXX and has been paid in full since XX/XX/2022. They have also added more to the debt after it was paid in full changing the amount from {$2400.00} to {$2400.00}. After submitting 2 disputes to experience, the second of which I received the results of their investigation today ( XX/XX/2022 ) I was told my dispute was unfounded and will remain on my credit report showing no payments have been made and that I now owe the larger amount
Product: Debt collection

Today I received a phone call with a woman stating that my local cops were coming to my house to arrest me for a credit card I owed over XXXX  years ago. When I called back they said I owed them {$3000.00} and are suing me. I told her the debt I had was {$300.00} and it was over XXXX  years ago and the statue of limitations is over. She told me that's not true and if I don't pay it I will have cops at my door. Her phone number is XXXX XXXX XXXX. She also called my mother and told them they were coming to my house with the XXXX XXXX XXXX.
Product: Debt collection

Ad XXXX XXXX has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing XXXX accounts. Account number XXXX. I sent my dispute letter XXXX XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within XXXX business days after received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.
Product: Mortgage

last month in XXXX, my company gave us a 15 % salary reduction for the next 3 months. I was looking at my finances, and my bank Wells Fargo had a popup talking about COVID-19 and that I could put my mortgage on 3 month suspension, so I clicked thru and got it deferred - WellsFargo said on the site ( among other things ) : A short-term payment suspension temporarily pauses your obligation to make monthly payments for 3 months. During this time, we wont charge late fees or report additional missed payments to the credit bureaus. 

So, that was in beginning of XXXX. When my XX/XX/XXXX payment came up, I tried to make a payment to my Mortgage from my checking account, and i got a weird error message saying " no linked accounts can make a payment to this mortgage ''. I called WellsFargo, and asked them why I couldn't make a mortgage payment. They said it was because my mortgage was in forbearance. I asked them to remove that, because I can make make my payments without any issues and it was a mistake to enable the forbearance. 

So on XX/XX/XXXX, I started shopping for a new mortgage, and am working with a mortgage broker ( MB ), who pulled my credit on XX/XX/XXXX, and told me to pay down a credit card ( which I did ), and he'll pull a new score. today, he pulled the new score, my score went up by 20 points and I'm in a great position for a new loan. Except there's a problem - WellsFargo sent an update to all 3 of the credit bureaus that my mortgage was in a 3 month forbearance - Deferred to XX/XX/2020 - and this is now listed on all 3 credit reports. 

My mortgage broker said this was a HARD STOP to my refinancing as they won't work with anyone with a forbearance on their mortgage. I called Wells Fargo and they said yes, they did remove the forbearance, and will be sending me a letter saying this. But my MB said he can't do anything with a letter. 

WellsFargo will not do anything to remove this from my credit report ( called them twice today ( XX/XX/2020 ) and both times got hung up on while on hold - but basically said said i have to wait until credit reports update next month. i am going to miss my window to refinance. anything i can do?
Product: Credit card or prepaid card

I had a XXXX credit card. They switched over to Marcus. I tried to make the full pmt before the due date but the system was shut down for maintenance. I called and they told me not to worry I could make the pmt after Tuesday and they'd wave fees. I waited until Tuesday. Set up a new account. Paid the credit card off in full. They charged me interest. I called the company and they said they would issue a credit. The amount they were to issue the credit for was the total amount of interest charged. It was just over {$16.00}. They credited {$4.00}. I paid the balance off in full after using the card this past month. This resulted in a negative balance on my account. The credit card company owned me money. Now they charged me interest on that money they owe me.