23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 an account without the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.
Product: Money transfer, virtual currency, or money service

Subscribed to a XXXX account of an investment strategy advisor prominent on XXXX. Day after I subscribed to his account I received a private message stating he could possibly help me personally. He asked me to trade through an online brokerage XXXX  and he would help me manage it. As it turns out it was a fake website and a fake account propagating this felonious activity. When I realized it was too late, I had already wire transferred XXXX XXXX to that account. I alerted XXXX and they told me the account did nothing wrong and was in good standing. Told them it was a fake account stealing peoples money. Two weeks after the fact and when the original published something about it was the only time XXXX took the issue seriously. XXXX also deleted all my interactions with the person which has the whole conversation in it. The dummy company they setup is XXXX XXXX The wire fraud was executed through XXXX BANK under an account name XXXX XXXX XXXX. The brokerage firm is XXXX. My home bank is BANK OF AMERICA to which I reported the fraud as soon as I became aware. They issued me a temporary credit and now they are stating they can not honor my credit and will remove the money from my account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

Incorrect Address ( XXXX ) : Wrong : 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 Correct : XXXX XXXX XXXX  XXXX List Erroneous/Inaccurate/Fraudulent Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681 e ( b ) Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. XXXX XXXX XXXX Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
XXXX. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute XXXX result in legal action as permitted by the FCRA. 
Enclosed are copies of my identification and proof of residence for your reference. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXXXXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt apply. 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 XXXXXXXX XXXX XXXX XXXX. All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.
Product: Mortgage

The Mortgage provide Shellpoint is illegally/ intentionally bankrupting consumer I bought an investment property in Michigan , and I was informed that there was a XXXX XXXX on the property due to my tenants ' misbehave. I have retained an attorney immediately and informed the bank the XXXX XXXX is being removed ( please see attachment ) Then the bank has charged me many months of " litigation fee '' in sum of {$6800.00} without explanation. They continue to post " litigation fee '' on my account even after the XXXX XXXX was removed. Now I am forced to sell the property because I can not afford to make payments. The house has been under contracted and the TITLE SEARCH came back clean, yet the bank continues to charge me " litigation fee '' not to mention that my own attorney has taken care this matter months ago.

I am attaching the Release letter, clean title search, contract of sale of the property. Theres were another 2 houses involved in the incident, the other parties bank did not even charge a penny for such event, given the fact that the owners are also the victims of the incident and have retained attorney at their own cost.

Please have shellpoint explain 1 ) the break down of the litigation fee 2 ) what was done on the bank end to solve this matter 3 ) i am attaching everything my attorney has done, and the release letter he resolved 4 ) why do Shellpoint continue to charge " litigation fee '' even after the title is clear?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have identified a discrepant late payment account on my credit report. I would appreciate your assistance in reporting and correcting this information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address concerns regarding XXXX 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : 1. 15 U.S.C. 1681c This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If XXXX has reported any information beyond this time frame, it is in violation of this statute. 

2. 15 U.S.C. 1681b This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, XXXX is not in compliance with this provision. 

3. 15 U.S.C. 5802 As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that XXXX is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps XXXX will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX Addresses Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX ) XXXX Negatives XXXX XXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX Date : XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXX XXXX Date : XXXX 5. XXXX - XXXX XXXX Date : XXXX 6. XXXX XXXX XXXX Date : XXXX 7. XXXX XXXX XXXX Inquiry Date : XXXX 8. XXXX XXXX XXXX Inquiry Date : XXXX 9. XXXX XXXX XXXX Date : XXXX 10. XXXX BANK XXXX Date : XXXX 11. XXXX XXXX XXXX Date : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 


XXXX XXXX XXXX XXXXXX/XX/year> 2023
Product: Debt collection

Yesterday I was notified by XXXX XXXX  of a new collection from Commonwealth Financial Systems for {$70.00} that hit my credit report on XX/XX/XXXX. I have never been contacted about this debt before, never received any notices that I owed anything, no notification of my right to dispute. There was no information about what it's for aside from " XXXX XXXX XXXX XXXX '', no dates for when the original bill was incurred, no proof that it was actually incurred by me, just a random collection suddenly appearing on my credit report. Who even goes to the ER and gets away with only a {$70.00} bill?! I truly believe this company just makes up debts and re-ages ancient debts that are past the statute of limitations. I disputed it with XXXX  and they removed it immediately, but this is very upsetting. This company has hit my credit with multiple unproven ER bills in the past, all of which were disputed and removed, and I have an active fraud alert in place partially thanks to their antics. I have read many complaints from people stating they were hit with collections from this company after opening a XXXX XXXX credit card and I do think there is a connection. I have a bank account with XXXX XXXXXXXX and I applied for a credit card with them about a month ago, and now all of a sudden I coincidentally have a new collection from Commonwealth. Highly suspicious! I'll be closing my XXXX  account too as they seem to be in bed with Commonwealth.
Product: Student loan

On XX/XX/XXXX XXXX put through a payment for XXXX dollars and they said it was received by it wasnt taken from my bank I put another payment in for XX/XX/XXXX it says pending still not payment was taken or event put through on my bank for the past 3 months and I havent never received a transaction on my bank or an attempted transaction. Its has caused me to go into more debt and it filed on my credit report as well. I had it set on autopay as well.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX has reported 3 accounts to the XXXX bureaus. Initially all XXXX account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to Equifax and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am having a dispute with Discover over a payment protection that was not authorized. From I have seen on the internet they have been made to give refunds to many people. The only gave me a year and I wa n't them to refund everything they charged without my consent. It would probably be about another {$5.00}. Can you handle a dispute with a credit card company? If so what would be the fee? 

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

Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open two online banking accounts, both paying 2.25 % p.a. interest.

The first one, XXXX, turned me down and mailed me a 'Notice of Action Taken ' which I am attaching to this complaint. The Notice mentions that the Bank obtained my credit score from ChexSystems , Inc. and that my score is XXXX. My credit score having never been under 800 and currently hovering at XXXX has never been an issue, I was dumbfounded. I have several other online bank accounts. I have no debts or mortgages.

Trying to contact ChexSystems proved impossible, but I was able to file a request for information after having indicated I had recently been refused. The letter that I have received from ChexSystems shows no reported information mishandled.

I have now also been turned down for an online banking account by XXXX.

I feel powerless as ChexSystems has ruined my chances to open these two accounts. It is fair to assume this will happen next time I try to open a bank account. Since there is no way to way to speak to a human at ChexSystem, the feeling of powerlessness is even stronger.

I appeal to CFPB to contact ChexSystems and have it send corrected information to both banks mentioned so that my applications to open accounts may be approved. 

Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

Kind regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I have been contacted repeatedly by phone and by mail by Portfolio Recovery Associates, who say they represent XXXX. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from XXXX for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXXXXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with XXXX anymore.
Product: Checking or savings account

I was scammed and Wells Fargo refused to help. I was scammed by a man of {$480.00}. I was given a check then he requested the money back via XXXX and I sent it like he asked, but before I had sent the money I talked to multiple Wells Fargo employees to make sure everything was fine. I was even on a recorded line when she said as long as the check processed that it was fine to send it through, which it did. This was all said on a recorded line. Then, I am looking at my account a few days later and I am in the negatives. Wells Fargo pulled the {$480.00} out of my account because they guy who sent me the check stopped the payment on the check. After talking to a bunch of other Wells Fargo employees I was told to file my claim and then file two case reports one for sending the money and another for the {$480.00} pulled from my account, which i did as they said and was again told by multiple bankers that everything would be okay and that I would get my money back. Lone behold my claim was closed and they said there was nothing they could do about it. It was a ridiculously long process for everything that the bankers told me to have just been lies. I was given plenty of attitude as well on the all the recorded lines. I am also a college student so they have royally screwed me over when it comes to payments on my college funds.
Product: Consumer Loan

I took a loan out with Ford Motor Company to boost my credit score, I 've been paying on time for over a year. Still nothing about the loan is reported on my reports. I have called the company to ask for resolution and to no avai, l time will not solve this issue by its self. When I shopped for the loan and agreed to the chosen loan it was with the understanding they reported to all three companys.
Product: Debt collection

A company calling itself either XXXX XXXX  OR XXXX XXXX with one of the phone # 's of XXXX and by several different people ( one person named XXXX ) has been harassing us for the last several weeks. They have called both our home phone and my husband 's cell phone ( XXXX ) looking for someone with the first and last name of my husband. We have repeatedly told them the person is not my husband nor does that person live here. we have requested they quit calling to no avail. We do not appreciate their calling us at all hours nor do we need the aggravation during this time due to the fact that me, my husband and our grandson who returned from college at XXXX are XXXX   with the XXXX. my grandson is extremely ill and on XXXX. I am worn out from caring for the three of us. PLEASE make them stop calling.
Product: Money transfer, virtual currency, or money service

I am a victim of a scam and I used credit cards : On XX/XX/XXXX, I engaged with XXXX XXXXXXXX XXXX XXXX XXXX, a XXXX company, for automated credit repair services after seeing an online advertisement promising passive income opportunities. Initial interactions with XXXX XXXX XXXX XXXX XXXX ) were informative and without sales pressure, leading to my decision to proceed with their services. 

I signed a consulting agreement with XXXX XXXX XXXX XXXX XXXX Monday XXXX XX/XX/XXXX ( no money was exchanged ). He recommended funding with XXXX XXXX of the XXXX XXXX to explore financing options for the program. XXXX XXXX facilitated the funding process, and I was introduced to XXXX XXXX by XXXX XXXX from XXXX XXXX ( part of XXXX XXXX ), who assisted in setting up credit card accounts and the XXXX XXXX. XXXX assured me that the fees and program costs would be covered by the credit pulled through the financing. To be clear, there was no out-of-pocket money on my end to start this done-for-you automated agency, just 0 % funding through the credit cards. XXXX XXXX helped me fill out credit card applications for the business/investment funding service. After the fact, I learned about complaints on the XXXX XXXX XXXX website regarding coaching people on how to get these loans and credit cards. 

XXXX proposed branding my investment as XXXX XXXX ( XXXX ), which I financed and he manages. I questioned the project 's legitimacy when I discovered the business address listed for XXXX XXXX was a residential property in XXXX, MI. XXXX reassured me but mentioned he was in the process of moving and currently living in XXXX XXXX, MI. 

Numerous promised payout dates were missed, with various excuses given, including issues with Stripe and personal struggles. On XX/XX/XXXX, I sent over an IRS EIN form, that XXXX emailed to me, to my CPA to prepare taxes, and my CPA alerted me that this is a scam, prompting my decision to seek assistance from the FBI, local law enforcement, and the FTC regarding this fraudulent scheme involving XXXX XXXX XXXX XXXX 

I disputed all amounts on the credit cards and loan, notifying that I was involved in a scam which are still pending. I received a letter from American Express on XX/XX/XXXX, informing me that my dispute of {$23000.00} was denied because " the transaction represents a purchase for investment purposes, which is a prohibited use of the credit card. The use of the Card in these instances is not permitted by American Express. '' Despite being a victim of a scam and the scammer, XXXX XXXX XXXX XXXX XXXX using a 3rd party to finance this service, and American Express and XXXX XXXX saying I agreed to the transaction. I want to appeal this decision, but American Express will not allow me to do so. I can not afford any payments of this or any of the cards and loan opened. 

I have extensive documentation, including emails, text messages, bank records, and social media links, supporting my claim. I am requesting a refund of the {$23000.00} credited back on the American Express card.