23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Indiscriminate Closure of Wellsfargo Accounts I will like to bring the Bureau attention to the unfair practice of wellsfargo Bank closing my accounts on the presumption that I was a victim of fraud. I am a recent XXXX still searching for a reasonable job. 
The incident happened on XX/XX/XXXX When I was expecting some funds to cover for living expenses from a friend while in a transition period of switching jobs, she was supposed to call me before the making the deposit but Unfortunately I was in an Interview when she went to the bank The expected amount was {$1200.00} but she raised a cashier check of {$3500.00}. The difference in the anticipated and the actual amount made the bank to reject then deposit and proceed with a harsh decision to restrict my deposit accounts ( saving and checking ) from any further deposit and be scheduled for closure on XX/XX/2018. The reason was disguised as a business decision. 
Moreover, Wellsfargo decided to take their decision a step further to schedule the closure of my credit card account which had nothing to do with the deposit accounts. I have been a customer for almost eight years and never had I for once had a late payment or any other penalties on the credit card account. It is pretty disheartening that bank like wellsfargo will still repeat a decision for which a former employee exposed the bank to the media for unfair practices in XX/XX/2018 ( https : XXXX ) Lastly, Looking back at the incessant amount of scandals that wellsfargo bank has been involved over the past 18-24 Months. I have come to a conclusion that it is wiser not have any deposit account with ( Checking and Savings Account ) with the bank but I will like to request for the CFPBs benevolent despotism to intervene and prevent the indiscriminate closure of my credit card account from a scandalous bank with hidden aim of leaving behind a terrible mark on my credit history I have included all letters from the Bank for a quick and candid assessment Regards, XXXX XXXX
Product: Debt collection

I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Debt collection

I moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet
Product: Credit reporting or other personal consumer reports

FCRA violations Not mine not my credit cards XXXX Potentially negative Date XXXX XX/XX/XXXX Balance {$230.00} Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$13000.00} XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3700.00} XXXX Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$860.00} XXXX Account charged off. {$4.00} not my energy bill XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX not my addresses XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, CA XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX FM XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX family not my names not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My family was directly affected by Hurricane Ian & Hurricane Nicole in 2022 as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.
Product: Credit reporting

The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : 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 Attached is a copy of my DL, SS Card and utility bill so you can see its wrong.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inquiries on my credit report that were not made or requested by me. Ive spoken with a customer service representative at TransUnion who has stated that a dispute will take 30 days. Why should I have to wait 30 days to remove inquiries that were not made by me? TransUnion also asked me to contact the creditors to ask them to remove the inquiries. TransUnion, XXXX and XXXX have allowed at least a XXXX consumers social security numbers and data to be stolen. Then they dont want you to file complaints about false information they put on your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}, XXXX XXXX on XX/XX/XXXX for {$400.00}, XXXX XXXX on XX/XX/XXXX for {$270.00}, XXXX XXXX on XX/XX/XXXX for {$1600.00}, XXXX XXXX on XXXX for {$780.00}, XXXX XXXXXXXX XXXX on XX/XX/XXXX for {$3700.00}, XXXX on XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX  on XX/XX/XXXX for {$2400.00}, XXXX  on XX/XX/XXXX for {$700.00}, and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've reviewed all of the hard inquiries in question on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX DATA BREACH REF NUMBER XXXX FTC REPORT XXXX NUMBER XXXX
Product: Mortgage

From inception of my mortgage in XXXX through XXXX, XXXX and its mortgage servicers, including but not limited to, BofA, repeatedly committed a pattern of intentionally negligent misrepresentation forcing numerous years of litigation that should have been resolved via settlement agreement in early XXXX. Since such settlement agreement, XXXX and its mortgage servicers, including but not limited to, BofA, continue to repeatedly commit a pattern of intentionally negligent misrepresentation including but not limited to : - failure to provide timely mortgage statements - failure to provide correct accounting in mortgage statements- elder abuse through harassing XXXX year old family members about mortgages they were not a party to in any manner - failure to abide by terms of mortgage agreement - failure to update address - repeated pattern of violation of settlement agreement post multi-year forced litigation after repeated attempts to illegally foreclose on home - fraudulent representation of mortgage terms- intentional misrepresentation of intentional pattern of actions as errors - intentional failure to resolve pattern of intentional misrepresentations over multiple years while refusing to take any action to correct and initiate good faith business dealings Full documentation has previously been provided to XXXX XXXX representatives and is available again for production, per terms of fair resolution provided with receipt of payment for time already incurred to date averaging a minimum of XXXX from XXXX.
Product: Credit card

I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency.
Product: Credit reporting or other personal consumer reports

The account is inaccurately reported as a charge-off while simultaneously being listed as outstanding. A charge-off indicates that the creditor has written off the debt as a loss, and it should not also be reported as unpaid or outstanding. This conflicting and misleading information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure all information is accurate and not misleading.
Product: Payday loan, title loan, personal loan, or advance loan

Contacted by XXXX XXXX from a XXXX texas branch. During this call he stated he needed to verif information for the loan. He requested inform such as my landlords name and phone, the name of the apartments I lived, and stated if I didnt give it to him he couldnt provide me with my loan to be processed or offered credit. He stated it was the policy of the company when I contacted the number on the webpage it was supposedly to the corporate office. When speaking with the customer service specialist she informed she couldnt submit my complaint unless I provide her with my name, address and phone number. On the website it states complaints can be anonymous. These individuals continued to discriminate against and bully me for my information through gaslighting and manipulation while also violating my privacy rights to refuse lending for information is not required to establish a loan. When I complained about I further refused resolved and address of these unethical practices and conduct
Product: Money transfer, virtual currency, or money service

I was robbed in XXXX XXXX, XXXX on XX/XX/year>. Two kids asked me to donate for their basketball team and I said yes. They proceeded to show me their team website and XXXX and asked if I had XXXX. I said yes and opened up my account, they grabbed my phone out of my hand and sent all my money to themselves. However, they acted as if they were looking for the email to send money to. When they handed my phone back to me, they said they could not find it and wanted me to try. They began reciting the email to me and I began to type it out and they RAN. When I got out of the XXXX portion on my account I saw {$1700.00} was gone and sent to a person. I then called my bank and the police. Chase has looked into the issue and will not do anything because they have limits. At one point, even asked me to go to the recipient to retrieve my money back which is absolutely ridiculous. The police are working on this case now, it is an ongoing scam in XXXX.
Product: Credit card or prepaid card

Upon receipt of my Capital One Quicksilver credit card, Capital One , Inc. did not inform me of my right to rescind any transaction under 15 U.S.C. 1635. On XX/XX/XXXX, I mailed an affidavit of truth ( attached ) to Capital One Inc. 's legal department ( certified mail receipt attached ) which requested my due compensation under 15 U.S.C. 1640 ( invoice attached ) for each time this establishment failed to inform me of such an important right. My financial planning has been negatively impacted by Capital One Inc. 's actions.

Moreover, this establishment used my social security number as a credit card number to obtain credit under fraudulent pretenses [ see 12 CFR 1026.2 ( a ) ( 20 ) ]. It has been two months and I have yet to receive any response from Capital One , Inc.
Product: Debt collection

Debt is from XXXX for the amount of roughly {$4100.00} is well outside of the seven year period is also the XXXX same dept as claim # XXXX filed on XXXX XXXX. They're calling mlm my cell with an autodialer.
Product: Money transfer, virtual currency, or money service

The app had misleading information and didnt provide the correct information.
Product: Mortgage

This is bits and piece from all the years we have owned our home. My wife and I have been trying to find out why we owed escrow and refused to pay it until they could tell me what it is for. We received one notification from their lawyer after I requested that they help us get in touch with someone. Instead we got a notification that we never received from the TD Bank and still had no answers. I tried calling again and still one person said we owe nothing and another said we owe it but can't tell me why. I spoke to a manager who still could not tell me what they paid and when they paid it and the amount. I told the manager if they could not give me an answer I was not going to pay it. They did this immediately after giving us a modification. You would think they would look into this an call back. Instead we got the harassing phone calls about us owing money and we need to pay it. I would tell them when they called that I wasn't going to pay until we know what it was for. They have yet again put us behind because we are not going to pay for something that we don't know what it is for and as of XXXX they have started to refuse the agreed amount in the modification, because we did continue to pay that amount. Now we are being offered a recast but they included my taxes and insurance which we did not request nor want. They have destroyed my credit even more yet again when all I was doing was trying to get back on track. And just recently they sent me XXXX different individuals information and someone mine. We are overall not happy with TD Bank and just want to get away from them as soon as we possibly can, which is all we have been trying to do since we bought our home in XXXXXXXX. We requested XXXX and death insurance on the mortgage and when we noticed we said something within a few weeks of signing we went and saw the loan officer and she said you never said that and there is nothing that we can do about it. And guess what 6 months later I became XXXX and that is when all the more problems started with TD Bank because I was the sole provider for my family. I have tried seeking a lawyer but have not had any luck, so we have been stuck in this repeated circle with TD Bank. I would like someone to schedule a time and day with us to come to our house and discuss everything with us so we can not keep having these issues and we can build our credit and get away from this nightmare of a bank. There are many more issues within this bank because none of this is a first time for us alone. Like I said there is more but I don't have the time to write about all of it. Especially how some of their employees treat costumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX and TransUnion Credit Bureaus ignored FCRA section 605b and continued to report the disputed queries on my credit report in addition to rejecting my requests for the removal of the unlawful inquiries. From XX/XX/XXXX to XX/XX/XXXX, I sent the credit bureaus numerous written appeals, but despite all of my efforts to have my credit file corrected, the credit bureaus seem to enjoy seeing consumers in difficulty. My legal counsel has been alerted of the situation, and they are ready to work with me to file a lawsuit and impose a fine on the credit bureaus to make up for the actual losses caused by their negligence. Since these inquiries were the result of my identity being stolen, the Credit Bureaus are compelled to delete the disputed ones. The following inquiries should be deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, TransUnion, as well as mine, which is XXXX. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
Product: Checking or savings account

on XX/XX/XXXX Citizen Bank had deducted ( without notice ) {$1000.00} from my checking account as a payment of the SBA PPP loan, without my permission, which caused my account to be over-drafted, The Bank kept on charging me fees and penalties, then closed my account. 
On XX/XX/XXXX, the SBA had forgiven my PPP loan and paid Citizen Bank the full amount of my loan plus the interest occurred. 
on XX/XX/XXXX, XXXX, I called Citizen Bank customer service, asking for a refund of the PPP loan payment to be refunded to my account and re-state my account, but the representative told me that Citizen Bank does not refund that payments! the customer representative put me on hold for ten minutes, then hang up the phone on me without telling me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Has violated my rights.

15 U.S.C 1681 section 602 A. States I have a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( XXXX XXXX ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe