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

Wells Fargo bank closed my credit card without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history.
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. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report, both Experian and XXXX. I have filed a police report and was sent to XXXX XXXX XXXX, XXXX and Experian. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents XXXX XXXX XXXXXXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all XXXX  XXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. CREDIT REPORTING AGENCY RECEIVED CORREPSONDENCE FROM CONSUMER REQUESTING FULL DISCLOSURES AND OPT OUT NOTICES, CONSUMERS WET INK SIGNATURE EXPRESSING THEIR CONSENT AS WELL AS COMPENSATION FOR THE VIOLATIONS. EARLY WARNING SERVICES FAILED TO PROVIDE THE REQUESTED INFORMATION XXXX ( a ) .EARLY WARNING SERVCIES IS CONTINUOUSLY VIOLATING THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EARLY WARNING SERVCICES MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EARLY WARNING SERVCIES TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY FULL OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S FILE ID NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on the report. 
Please remove all fraudulent accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I contacted RAUSCH STURM LLP regarding an alleged debt. The company received my request on XX/XX/year>, and claims to have replied on XX/XX/year>, per attached letter and mailing envelope ( stamped XX/XX/year> ), they are obviously engaging in fraud by back dating communication to indicate complying within the allotted time. Such behavior is egregious and completely unacceptable. I am therefore requesting compensation for such actions as well as this information deleted from my credit report. There is no response that could justify such action.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed Capital One is reporting XXXX XXXX which I don't recall ever having an account with this company and request to have this remove for my report, XXXX XXXX shows paid closed on XX/XX/year> and the account is showing closed/never late balance of {$190.00}, It's just very confusing
Product: Credit reporting or other personal consumer reports

I sent a registered dispute letter to Experian. They responded and sent me back someone elses credit report. Now they are telling me they have no record of a dispute yet I have my registered mail receipt and the wrong credit report they mailed back to me that states Dispute Results. They have ignored my dispute and are clearly violating my rights.
Product: Student loan

I have over the years of qualified payments proven for student loan forgiveness. They are displaying inaccurate information on my Mohela account. Customer service has escalated my case multiple times over the past year without any response from Supervisors or the Advanced department. I am also in a Forbearance until rectified but they simultaneously have me in debt collection saying I missed payments when I have proof of being in Forbearance. I have over XXXX years of Non profit work as an XXXX XXXX XXXX XXXX XXXX areas. Everyone around me with the same situation and years have been forgiven and I am still not. This company has continued to drop the ball and I may need to seek legal support after dealing with this for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX hacking incident, I now have to go to all the trouble of freezing credit reports and taking other precautionary measures due to this company 's failure of provide the simple security services they are licensed to provide. But the websites of XXXX and Transunion are not working so I ca n't even take the precautions. XXXX at least provided a means to mail in the documents, but Transunion 's website is apparently so overwhelmed that it wo n't even tell me what to do using regular mail service. 

I did n't ask for any of this. This is all due to corporate failure and it 's a huge imposition of millions of citizens. Talk about a waste of time and lost productivity.
Product: Mortgage

ON or about XX/XX/XXXX CountryWide Home loans INC allegedly sold my note for my house to XXXX AS TRUSTEE FOR HOLDERS OF XXXX XXXX ARM TRUST, MORTAGE PASS- THROUGH CERTIFICATES, SERIES XXXX, but prior to that transaction I have evidence that has come forth by way of collateral file. A Deed of trust from CountryWide Home Loans INC transferring all beneficial interests to XXXX XXXX as trustee for the note the date this occured was XX/XX/XXXX. along with this DOT was a allonge endosed to XXXX XXXX. 
Somtime in the year of XX/XX/XXXX CHL decided to void out the allonge and stamp on the original note a blank endorsement so that they could allegedly sell it to the trust. CHL has commited mortgage fraud, spoilation of evidence, S.E.C. fraud that violates trust laws, these violations need to be investigated thourghly.
Product: Checking or savings account

Company processed debits before credits in overnight processing. The ACH credit came into the account and was showing available before the check came through. But PNC Bank returned the check even though the funds were available. See screenshot attached from online banking.
Product: Mortgage

I need your help negotiating with a mortgage company engaged in what I believe is deceptive practices. Let me briefly describe the situation. My wife and I have been devastated within the last 8 years by the loss of both sets of our parents to XXXX, as we were their primary care takers. Shortly after my wife battled XXXX XXXX and just recently went into XXXX. Coupled that with the cost associated with graduating two children from XXXX XXXX, and XXXX XXXX Universities. In addition to her receiving her XXXX 's and me a XXXX XXXX and we still have our youngest son scheduled to graduate from XXXX University in XXXX 

After enduring tremendous hardships, financial burdens and Covid -19 we went into foreclosure. But, we were financially able purchase home before auction in XXXX. But, in what I believe to be deceptive practices by the mortgage company. To steal our home we owe {$160000.00} on a {$280000.00} loan they switched mortgage companies at least three times. Each time not taking calls or returning emails. Finally, I was able to explain to the Judge at the last hearing how evasive they have been and she saw fit not confirm the sale of my home back to the same bank and gave me 60 days to negotiate with the bank. Now I'm still getting the run around from the law firm and the bank about starting negotiations. Meanwhile, I have a verified mortgage approval letter in hand. I want to schedule a meeting asap. 

Regards, XXXX XXXX ( XXXX ) XXXX
Product: Credit card

XXXX XXXX listed US Visa Platinum Credit Card as Very Good/Good approval rating for my application. Based on this information, I applied on the XXXX XXXX  site and was encouraged because it stated 60 seconds approval time. 
No sooner had I applied, I received notification from XXXX and other credit reporting agencies, that there was hard inquiry on my credit, which was US Bank. 
I did not receive any further notification from US Bank or follow up from the bank. I contacted XXXX XXXX to inquire why they allow advertising for this card and bank when there is no follow up response. XXXX XXXX stated that the hard inquiry would fall off after several years. That is not the point. 
I ask that the hard inquiry be removed by US Bank as they did not process or advance my application, and I no longer want the card regardless as this bank has very problematic contact history where one is shuffled from one office to another.
Product: Money transfer, virtual currency, or money service

I WANT TO KNOW WHY IT WAS CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

Gap card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XXXX, 2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent GAP the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.
Product: Checking or savings account

I lost my card and realized there were unauthorized transactions made. I ordered a new card and filed a claim on XX/XX/XXXX. The money was temporarily returned to my account only for it to be reversed due to them claiming the charges were authorized. I called the claim department to ask for the research that made them draw this conclusion. Instead I was told that it was found the transactions were authorized over and over. 

The unauthorized charges are as follows : XXXX {$13.00} XX/XX/XXXX XXXXXXXX XXXX  {$55.00} XX/XX/XXXX XXXXXXXX XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XXXXXXXX XXXX {$15.00} XXXX {$120.00} XXXX XXXX {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons XXXX  XXXX XXXX  XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
Product: Credit card or prepaid card

I RECEIVED A CERTIFIED LETTER HAVING A CIVIL JUDGEMENT AGAINST. I HAVE SPOKE WITH A XXXX XXXX BACK IN XXXX AND MADE PAYMENT ARRANGEMENTS WITH HER A $ XXXX FOR XXXX THE BALANCE OWED WHICH WOULD BE XXXX AND SHE SAID THAT WE COULD DO THAT IF THAT WAS ACCEPTABLE WITH ME AND I SAID YES THAT WOULD BE ACCEPTABLE WITH ME. I SAID CAN I MAKE MY PAYMENT ONLINE AND SHE SAID THAT I WOULD GET A STATEMENT EITHER BY MAIL OR EMAIL. I SAID BY MAIL WOULD BE BETTER AND SHE OK SHE WOULD GET IT SET UP. I SAID SO I ONLY HAVE TO PAY {$1500.00}. SHE SAID YES THAT WOULD BE XXXX OF WHAT I OWE AND THE BILL WOULD BE SETTLED. AS OF THIS DATE XX/XX/2018 I HAVE NOT RECEIVED ANYTHING BUT A CERTIFIED LETTER THAT CAME XX/XX/2018. SO HOW I CAN I HAVE A CIVIL JUDGEMENT AGAINST ME TO PAY SOMETHING WHEN I HAVE NEVER RECEIVED ANYTHING IN ORDER TO PAY. XXXX SAID SHE WOULD GET EVERYTHING SET UP FOR ME AND I WOULD RECEIVE MY STATEMENTS BY MAIL. HAVE NEVER GOTTEN ANYTHING.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX XXXX XXXXXXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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  Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXXXXXX SOC SEC # XXXX XXXXXXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

A debt for {$140.00}, paid 2 months ago, continues to be reported to the credit bureau agencies. This debt is currectly showing as open and unpaid on my credit bureau report. This is negatively affecting my credit scores and ability to borrow. This is the only negative item on my bureau report. The debt is being reported by AMERICAN MEDICAL COLL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. This is a collections agency collecting for XXXX, original creditor. The debt was paid to XXXX on XXXX XXXX, 2015 via credit card with a record of the payment available. The debt and collections account continues to show as open on my credit bureau report as recent as XXXX XXXX, 2015. I have contacted the original creditor and the collections agency multiple times to have the debt cleared from my credit bureau. I have a letter from XXXX showing the debt has been paid. This letter was forwarded to the collector by me yet the debt remains on my credit bureau. The collections agency has not removed this paid debt from my credit bureau and has taken no action to resolve this issue after multiple contacts.
Product: Credit reporting

Experian maintains a " blacklist '' of consumers it will not allow to access their credit disclosures online. This " blacklist '' maybe be punishment due to a consumer previous filing a CFPB complaint against Experian and / or it may be to generate increased revenue by forcing consumers to pay for additional disclosures since while denying access to disclosures for dispute purposes, if one pays they will allow the individual online access. On XXXX/XXXX/2015 I obtained a free FCRA copy of my Experian disclosure online. Experian specifically allows consumers to view their disclosure again in the near future also online by entering their report number. However, Experian refuses to allow me to view my report again for purposes of disputing a multitude of items that Experian is reporting incorrectly. Instead, if I want to dispute online I must pay {$12.00} to purchase another copy of my Experian disclosure online. I have previously phoned Experian and they have informed me that I am in indefinite " special handling '' as " punishment '' for having filed a previous CFPB complaint against Experian. Experian in their response will state that they have security measures which dictate when online access is given. Experian, in my case, is a liar. If security measures result in not being able to dispute online, then why do these same security measures not prohibit one giving Experian money and obtaining their disclosure to dispute online. Experian is simply retaliating against me and countless others who file CFPB complaints against Experian.
Product: Mortgage

I was attempting to refinance a mortgage at a lower rate with the same company that had my mortgage, Wells Fargo. The rep sent me some documentation. This documentation indicated my credit file would be reviewed by Wells Fargo. We were not at the point where I would let them review the file, not knowing what the new rate would be and knowing their receipt of my file would lower my score. I telephoned the rep, and she told me there would be no inquiry. This rep lied to me in order to obtain my report and without my consent. I complained to Wells Fargo, and they told me they would fix it. They routinely sent me notices extending the date by which they would reply. This past XX/XX/XXXX (? ) they told me it was fixed. Today, XX/XX/XXXX, I look at my XXXX   report, and the inquiry is still there. I eventually refinanced with another lender. 

XXXX/WELLS FARGO MOR Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete account listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX  Closed Acct - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, account status and history not accurate- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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 : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

transunion These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 

XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX systems {$670.00} XX/XX/XXXX XXXX XXXX XXXX  {$670.00} XX/XX/XXXX XXXX {$710.00} XXXX, XXXX, XXXX -- -closed -- XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX bank {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX  XXXX Bank {$1000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022