23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I invested in a company called XXXX XXXX ( XXXX XXXX ) and sent initial funding amounts from my XXXX XXXX account in the form of Wire to XXXX 's Wells Fargo bank account. I sent $ XXXX on XX/XX/22 and then another $ XXXX on XX/XX/22. I have the backup to support if needed, as do the other XXXX investors. 

Around XX/XX/22 it was discovered by XXXX investors that XXXX was a fraud, and we took action to call the FBI, SEC, and local Attorney Generals. The SEC has now formally charged XXXX 's creator, and I've added the SEC link below. XXXX XXXX created a Ponzi Scheme and XXXX investors were part of it. However, the banks involved did not protect the consumer from fraud and there were many ways which they could have prevented the {$4.00} million in losses. 

I have filed two complaints with CFPB to Wells Fargo, and both were rejected. I can't get anywhere with Wells Fargo and they refuse to cooperate. Unfortunately, no current legal action has been taken against the banks. They did not protect the consumer and I would like the CFPB to step in and take action on the investors ' behalf. 

Wells Fargo, XXXXXXXX XXXX, and XXXX XXXX XXXX  all accepted wires for XXXX XXXX, which is now charged as a Ponzi Scheme by the SEC. These banks did not perform proper due diligence on the accounts they created for XXXX XXXX or XXXX XXXX, did not examine the line of business and legitimacy behind the company they created an account for, they did not flag the various large dollar value transactions to put a hold on the account ( until it was formally required to do so under investigation ), but most notably, these banks did not protect the consumer from fraud. Protecting the consumer has been reiterated multiple times in prior cases the CFPB has ruled on, as being the primary purpose of the board 's existence. 

In three prior cases I've found ( XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX ), each case ends with an overall delivery stating that it's the banks ' responsibility to protect consumers. Banks are being held accountable for turning a blind eye to fraud, and ultimately not protecting the consumer, both of which are truths from the XXXX case. I've attached my letter to an attorney. I have not found an attorney to take on a class action against the banks, mainly because most of them already had pending litigation vs Wells Fargo. 

I'm turning to the CFPB to assist the XXXX  investors and charge these banks for their part in the XXXX Ponzi Scheme. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> JPMCB Card XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX  Inquiries not authorized by me, and they are dates that I tried not to request anything to raise my credit score.
Product: Credit reporting

I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 opened acct with XXXX XXXX XXXX I had my own personal insurance on the loan XXXX XXXX took out their own insurance & didn't notify me, then credited it back but repossessed my car. I have several documents XXXX XXXX XXXX has changed their amount several times on me but credited back {$1800.00}.
Product: Credit card

With zero notice they no longer allow debit card payments. I tried using my linked bank account and it took 5 days for the payment to process and customer service stated it would be another 2 days before my available balance would update. No place to physically go in and make a payment. This is now my only option to pay, and they have the guts to be charging over 30 % interest on top of all of this.
Product: Debt collection

This " company '' has been calling my home for months, using various numbers, leaving messages saying that someone here ( no name provided ) owes money and it's an attempt to collect a debt. They claim to be from RSI Enterprises. My husband and I have made repeated attempts to contact them and have either been put on hold immediately upon answering and left on hold for up to an hour before we hung up or the calls disconnect as soon as answered or they say to leave a message, which we will not because we don't want to fuel the fire. As far as we know, we do not owe anyone money for anything. We have received NO correspondence from anyone stating otherwise. It seems that after nearly a year, we would have been turned over to a collection agency that would provide a letter or it would be put on our credit and nothing of the sort has happened. I would like them to STOP calling me if they have no intention of stating what the matter is or sending me a letter to tell me rather than play games with me.
Product: Debt collection

1.I have never had an account with this company RENTDEBT AUTOMATED COLLECTIONS, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RENTDEBT AUTOMATED COLLECTIONS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Checking or savings account

On, or about, XX/XX/2019, I took a taxi from XXXX to XXXX PA. Because I didn't have the funds in cash on me and the driver wanted cash, he held my card till we got to a rest stop on the NJTPK. Once there, the driver accompanied me to the ATM, where I withdrew XXXX $ for his services. He had apparently skimmed the card and afterwards charged me {$540.00}. I filed a complaint with Citizens Bank and they asked for more information to support my claim. The information would be the video from the ATM withdrawal, where the driver is seen accepting the cash. I can't get that video. The bank, without notice deducted the funds it had already re credited to my account. If the funds are refunded I will close the account and pursue other legal options.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice that XXXX, have failed to properly investigate fraudulent accounts on my credit report. Despite multiple disputes, you have not provided legally required documentation verifying these accounts. I demand their immediate deletion. CFPB Lawsuit Confirms Experians Unlawful Dispute Handling The Consumer Financial Protection Bureau ( CFPB ) has confirmed that XXXX engages in sham investigations and ignores legitimate consumer disputes, violating federal law. ( Source : CFPB, XXXX ) Additionally, the Federal Trade Commission ( FTC ) has reported widespread inaccuracies in credit reporting, further proving that XXXX and other credit bureaus routinely violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer files. Fraudulent Accounts That Must Be Removed Immediately : XXXX XXXX ; account # XXXX ; Legal Violations and Demand for Immediate Action Per 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum accuracy in your credit reporting. Your failure to remove these fraudulent accounts violates federal law and subjects you to regulatory action. Additionally, under 15 U.S. Code 1692g, you must provide verified proof of these debts, including the original signed application or contract. Your continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX. 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was used to obtain a XXXX XXXX. Im not in XXXX. I XXXX  from XXXX XXXXXXXX XXXX in XXXX. I have not attended another XXXX and do not plan on in the future. I have XXXX XXXX under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a XXXX XXXX. It has affected my ability to assess resources for my way of life.
Product: Credit reporting or other personal consumer reports

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Product: Credit reporting or other personal consumer reports

Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to NewRez in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to NewRez. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to NewRez. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. NewRez would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently  live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

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

I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, Equifax claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX showed my name and old addresses and a social security number that isn't mine.
Product: Credit reporting or other personal consumer reports

This morning, I came across unauthorized inquiries on my credit report that were completely unexpected. As part of my routine credit report check, I found discrepancies that werent there before. I refreshed my browser, thinking it might be a technical error, but nothing changed. I am requesting immediate attention to the documents Ive provided so that I can rest assured this issue will not happen again.
Product: Mortgage

I purchased a home in XX/XX/XXXX in XXXX, SC through XXXX XXXX. This is a VA loan, as I am a veteran. They sold our loan to XXXX XXXX XXXX ( which is apparently also known as XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX  then sold our loan, effective XXXX XX/XX/XXXX to XXXX XXXX. We received NO PRIOR NOTICE from XXXX XXXX XXXX   and only discovered this sale of our Mortgage when we contacted XXXX XXXX XXXX on XX/XX/XXXX or XXXX about a modification to the loan and were told we were no longer their customer, but it was now XXXX XXXX. I received a notice and information packet from XXXX XXXX, dated XXXX XX/XX/XXXX, and received this packet on either XXXX or XXXX XX/XX/XXXX. This means that while Selene created the notice in 14 days from assuming the mortgage ( XXXX XX/XX/XXXX ), I was not notified until 21-22 days after they assumed the mortgage from XXXX / XXXX. This is two different mortgage companies and one finance / debt collection agency in under a year. And the second sale / transfer was done without any notice until well after it occurred. 

Today, XXXX XX/XX/XXXX, I received a notice of cancellation from my insurance company stating that my home owners has been cancelled, because neither Selene, nor XXXX / XXXX did not notify my insurance company. Since my mortgage payment includes my taxes and insurance payments, this should be done by them. It was when XXXX sold my mortgage to XXXX / XXXX, but not in the XXXX / XXXX to XXXX sale / transfer. And all of this without my knowledge or consent. As the mortgage holder / consumer, we should have greater rights as to who owns our debt, and under what terms. This is excessive that in less than twelve months I have been through three finance institutions, and the potential for abuse or mistakes compounds with each sale / transfer.
Product: Mortgage

Member First Mortgage bought my loan from XXXX XXXX  in XXXX. I have continued to make payment to the purchaser Members First Mortgage. They haven't paid my insurance out of the escrow. They sent me a letter in XXXX requiring proof of insurance. My insurance contacted them and I was told by the insurance company the issue was resolved. 
I received another letter yesterday requesting proof of insurance, I tried to contact them and there was a 25 minute waiting time. I tried to send a message via their website and was kicked off the site. I sent an email and received no response. 
I contacted my insurance company, they both emailed and faxed the request for payment with supporting documents. 
The payment was due XX/XX/XXXX. It has not been paid and Member First Mortgage is not responding to the insurance company or me. There are funds in the escrow.
Product: Credit reporting or other personal consumer reports

Each company is reporting a balance on a charge off account, a credit line, credit limit and listing the record as charge off month after month now going on years. It was charged off XXXX time, has no balance owed and listing a record month after month when your company does not even own it, is not just false, but misleading and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX  XXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit
Product: Credit reporting

XXXX XXXX at XXXX, texas XXXX, XXXX XXXX used outdated information against me in the Texas corporate law of Texas, would not give me copy, asked to mail me one instead he change subject, tried to manipulate me, i know this i have receive a settlement on the same law violation, I told them that like he did not care ( corruption ) and working another one,,, ,XXXX is commit fraud, discriminate, identity theft or XXXX,,, he could not go back so far, not work related, not to exceed a certain amount, its clothing co,,,,, he claims he does it all the time its company policy to brake the law or bended engaging organised crime thru parties,,, the client tells him to do it,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Around XXXX of XXXX I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the XXXX month with a number of complaints and correspondence with Security Service Federal Union without any results. Firstly, they took over 4 months to respond to a number of emails/mails and phone messages. A so called " fraud specialist '' named XXXX XXXX XXXX from SSFCU finally took my call and said they were backed up and apologized for delaying my requests to view my case and asked me at this point to re-send my police report.. I did once again and after several months of trying to get ahold of him another member named XXXX XXXX in management ) took my call and essentially told me that I myself was my identity thief.. Yes, she said my voice sounded like the person opening the accounts, she also told me I was on video opening this account in their bank.. I've never been in this bank. She then tried to justify her claims by asking me for my personal information i.e. address/phone/email/dob, and of course everything matched. I told her once again that the information probably matches because my identity was comprised including my email, but she wasn't listening. She asked me what the names of my parents were and claimed that matched as well. Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, false accusations and even discrimination. I felt I was talking to someone who was in fact supposed to help me was asking me if I'm sure I was a victim of identity theft and if that was possibly myself. If anyone knows what its like to go through the mere fact of trying to clear things with financial institutions and then having the very banks fraud department telling me the my email matches the account in question should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my charge off and I disputed the information but It was not updated so there was no investigation done.