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

On or about XX/XX/XXXX a XXXX account was opened in my name. This account was closed on or about XX/XX/XXXX. This account is fraud and identity theft. I did not open this account and I did not authorize any other party to open this account in my name. This account was reported on my credit reports on or about XXXX of XXXX XXXX year later. I discovered this fraudulent account in my name after applying for a mortgage loan at which time it appeared as a charge off account. Upon attempting to get information on this account from XXXX as I was not able to open the account information through the credit bureaus as it was reported as a charge off, XXXX refused to give me any information as they could not verify my identity as per the information on account in comparison to my personal identifiers. I filed a dispute with XXXX and the XXXX  and was contacted by a rep in the consumer relations department who advised that she had investigated the account and they determined that the account was valid and verified. The address on this account is reported as XXXX XXXX XXXX, XXXX, VA XXXX. This address is one of the XXXX XXXX located in XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX. In as much as XXXX has alleged this account is mine and I am responsible for this I am not. Because XXXX did not want to take the time to investigate this account and the validity of this account I took on this task myself and did their job for them. On XX/XX/XXXX I reached out this XXXX location and spoke with and employee by the name of XXXX. XXXX advised me that they have no association or affiliation with XXXX and it was not possible that I could have had an account in my name at that location because I would not have been able to receive goods, services or bills there as I have no affiliation with this store. On XX/XX/XXXX I reached out again to the store and spoke with XXXX the store manager who also advised that they have no affiliation with XXXX. They do have mailboxes but there are no records of any such mailbox in my name from XXXX to present. This account fraudulent and one of identity theft and is damaging my credit and is in violation of the FCRA. XXXX has never taken the time to properly investigate this account to determine the validity of the account or verify the information to accurate. I have consulted with a consumer attorney and am in possession of a retainer agreement and have agreed to allow him to represent me and have this and other matters to the federal court at which time I will seek damages and an order to remove this account from my name and my credit reports. This is my last effort to have the account removed from my name by XXXX and my credit reports updated to reflect this removal or I will have no other alternative but to have this heard in the federal courts.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX, I parked my car in lot next to the soccer field i was XXXX  at. The team is XXXX and XXXX graders. During the practice, someone stole my wallet and cell phone out of my car. When i got home and realized it was taken ( realized because i received alert on my work cell about potential fraud charge on my work XXXX  card ) i began calling all banks that i had accounts with that were in my wallet or on my phone. I felt good after speaking to all accounts that they would take care of charges and transferred. XXXX helped me transfer my cell service back to an older model phone remote lock phone that was stolen and all passwords were changed. Because it was now after XXXX, i waited until first thing in the morning to contact the police and report the theft. 
Banks that were very supportive and helpful included XXXX XXXX, XXXX, XXXX, XXXX. However, Wells Fargo has been the complete opposite. After calling them back on XX/XX/XXXX, I spoke to their fraud team and explained that my wallet and phone were taken and whoever took it was able to access my wells fargo app and transfer money to themselves through XXXX. I saw as all charges were removed from my credit cards and assumed Wells Fargo would do the same. On Saturday XX/XX/XXXX, i received a letter that stated that WF determined that this was my fault and because they were able to hack into my phone it was my fault for not having a strong enough pass code, they were closing investigation and i was out the {$2100.00} that was transferred out of account. To be clear, that was {$1100.00} directly from checking account and another {$1000.00} ( with {$50.00} fee ) that was transferred from credit card that is on acct for overdraft protection. 
I tried calling same day saturday to talk to anyone but no one from online fraud working and i was just transferred from person to person. Today, more of the same, they confirmed what the letter said and said they would tell investigator but they dont call out. they would voice my complaint but case was closed. 
I am obviously disappointed with their findings and frustrated that no one will listen, no call given so i could explain in more detail or answer questions that i in NO WAY authorized any of this and am the victim of identity theft and fraud. Why can every other bank be understanding and work with me yet Wells Fargo just says sorry. I have been with the bank through all of the mergers for 27 years and cant get a phone call back explaining decision even? 

Something about this feels very wrong. If i understand their ruling, this would mean that anyone that has their account hacked it would be their fault? that just can not be the case. happy to answer any other questions that may come of this. 
thanks XXXX XXXX XXXX
Product: Debt collection

In XXXX, I received a solicitation for XXXX XXXX XXXX from XXXX. The solicitation offered a " discounted '' rate for a set number of treatments. 

I purchased a set number of lawn fertilization services from XXXX # XXXX. I submitted payment in full for the specific services requested. 

I did not request or authorize any ongoing service beyond the package that I had purchased. Nothing on the solicitation form indicated that I was signing up for ongoing service or automatic billing. I explicitly did not want ongoing service. 

Without my knowledge or authorization, XXXX saved my credit card information and in XXXX they started charging my card repeatedly for service that I did not request or authorize. The unauthorized charge was roughly double the rate from the XXXX solicitation. 

When I discovered that XXXX had been charging my credit card, I contacted their customer service immediately. The agent agreed that I had not authorized the service, and assured me they would reverse the charges. The credit did not come. 

After giving them time to rectify the issue, I eventually contacted my credit card company to dispute the charges. My credit card company investigated and reversed the charges. 

I thought that the matter was settled, until XX/XX/XXXX when I received a collection notice from " IC System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX '' The collection notice on behalf of XXXX # XXXX was in the amount of {$110.00}. 

I immediately wrote to IC System using their included form, and I mailed it back informing them that the debt was not valid and that I had not authorized these charges or services from XXXX. According to my understanding of the law, they should have stopped trying to collect the debt without sending me proof of the validity of the debt. 

I also called XXXX customer service to inform them that I had been sent to collections over a debt that I don't owe. I spoke to a customer service representative who informed me that she could see the notes on the account, but she needed to have a manager call me back to reverse the charge. She advised that someone would call back in 24-48 hours. Nobody ever called. It is not possible to reach a local representative, and it is also not possible to be transferred directly to a supervisor. 

On XX/XX/XXXX, I received a second collection notice from IC System for the same debt. This notice had a bold notice " VALID COLLECTION '' across the top. It offered no proof of the validity of the debt. I believe this notice was in violation of the law, as I had already disputed the validity of the debt with IC Systems, and they should have stopped collections until they could issue proof that I had authorized these charges. 

Also, on XX/XX/XXXX, I again contacted XXXX customer service at XXXX. Despite the number being a local number, it routes to a call center somewhere unknown. Again, I was told that a manager needs to call me back, but it is more than 24 hours later and no manager has called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXXXXXX : {$19000.00}
Product: Bank account or service

Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Lexis Nexis place a security freeze on my Consumer Disclosure and they have not even taken the time to answer my request.
Product: Mortgage

Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for mortgage assistance to Shellpoint to ensure Shellpoint 's compliance with Regulation X. For the past several months, we have been actively trying to save our client 's property from foreclosure through the loss mitigation process. This is the second CFPB complaint we have had to file in connection with this loan account due to Shellpoint 's failure to properly process our client 's loss mitigation application. Moreover, we have had to send several Requests for Information and Notices of Error in connection with the aforementioned failure. Shellpoint has failed to provide any substantive response to any of our correspondence since the last CFPB complaint filed. 
We sent Shellpoint our client 's complete Request for Mortgage Assistance Application via facsimile on XXXX XXXX, 2016. Additionally, a hard copy of the application and supporting documents were mailed via certified mail [ Tracking No. : XXXX XXXX XXXX XXXX XXXX ] to the address designated by Shellpoint for Loss Mitigation applications on XXXX XXXX, 2016. According to the U.S. Postal Service, Shellpoint received the hard copy application and documents on XXXX XXXX, 2016. Moreover, we sent a Request for Information ( " RFI '' ) to the address designated by Shellpoint on its website for such correspondence on XXXX XXXX, 2016 asking Shellpoint to determine whether the application submitted was complete or incomplete and to provide a list of any documents missing if any. 
At some point after, a Shellpoint representative called our client improperly despite knowing he was represented by an attorney and being instructed to respond by written correspondence only to our law firm 's address. After not having received any written notification regarding whether the application was complete or not, we submitted our first CFPB complaint addressing said concern and the lack of responses we were receiving from Shellpoint. Subsequently, we also called the representative back and instructed them again to refrain from directly contacting our client in any way and to only communicate with his legal counsel. The representative gave us a list of documents that were required in order to complete the review of the application. The additional documents were submitted to Shellpoint via facsimile using the number provided by the representative on XXXX XXXX and XXXX XXXX. Moreover, we sent another Request for Information asking for confirmation that the package was now complete with those additional documents on XXXX XXXX, 2016. 
As of the date of this complaint, we still have not received any confirmation from Shellpoint regarding whether the application is now complete or if additional items are still missing. Also, Plaintiff 's counsel in the active foreclosure has continued to pursue its efforts in obtaining a foreclosure judgment against our client while there is a pending loss mitigation review. We have sent several Notices of Error pertaining to this case since the last CFPB complaint was filed and still have not received any substantive response from Shellpoint.
Product: Credit reporting or other personal consumer reports

whoever willfully & knowingly gives false or inaccurate information. 15 USC 1611 giving false or inaccurate information or failure to provide information which they are required to disclose under this provision The date the account was closed does not align between experian & XXXX. This inconsistency violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records
Product: Checking or savings account

On XX/XX/XXXX I entered the Wells Fargo branch at XXXX XXXX XXXX, XXXX, NC XXXX and paid to have 3 checks printed for me, I immediately filled out 2 of those checks totalling {$1500.00} for my new landlord. One for the security deposit ( {$1100.00} ) and one for half a month of rent ( {$400.00} ). The following Tuesday at XXXX XXXX  I was contacted by Wells Fargo asking if I recognized the checks, I responded at XXXX XXXX  that I did recognize the checks, after confirming that I wrote the checks Wells Fargo responded that they did not require any additional action on my part. On Friday of that week I heard from my landlord that the checks had bounced due to mismatching signatures and that not only did I need to write new checks, I was also responsible for the {$50.00} fee that was issued because the checks were refused. I resolved to talk to my bank Monday because not only did I acquire those checks in person the same day I wrote them, but I also later affirmed to Wells Fargo that I wrote them when they came Into question the following Tuesday. When I went into Wells Fargo in person I was informed they couldn't waive the fee because it was my landlords bank, XXXX XXXX, that made the final determination and issued the fees, then when speaking with a banker at XXXX XXXX  I was told they would not waive the fee because Wells Fargo had made the determination that the signatures did not match well enough. I made one final call to Wells Fargo customer service where they were extremely unhelpful and borderline belligerent where it became obvious that they would not do anything about the fee and only wanted me to give up. 

In conclusion, I bought the blank checks in person, wrote them the same day, immediatly confirmed I wrote them when contacted by Wells Fargo, and now am being held responsible for a fee because of a mistake that happened between the banks, and neither bank wants to do anything to resolve the issue
Product: Consumer Loan

Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Debt collection

I am submitting this complaint against Portfolio Recovery Associates , LLC, regarding their persistent and unjustified attempts to collect a fraudulent debt that has caused me significant emotional and financial distress. Below are the details of the issue : Background : Portfolio Recovery Associates , LLC, initiated a lawsuit against me, Case No. XXXX, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, seeking recovery of an alleged debt. However, I had previously disputed the validity of this account with XXXX, a major credit reporting agency. Following a thorough investigation, XXXX determined that the account was fraudulent and removed it from my credit report. 

Despite being notified of the fraudulent nature of this account, Portfolio Recovery Associates , LLC, continued their attempts to collect the debt, including filing the above-mentioned lawsuit. 

Dismissal of Lawsuit : When the case first went before the judge on XX/XX/2024, Portfolio Recovery Associates , LLC, was informed that the account in question was fraudulent. They had the opportunity to dismiss the case at that time but instead requested a continuance. This decision forced me to return to court for a second hearing on XX/XX/2024. At this subsequent hearing, Portfolio Recovery Associates , LLC, failed to appear, and the judge dismissed the lawsuit. This dismissal underscores their lack of substantiating evidence to support their claim and raises serious concerns about their business practices. 

Impact on Me : I experienced significant emotional distress, including XXXX XXXX XXXX, as a result of this baseless lawsuit. I was even prescribed medication to manage the anxiety caused by Portfolio Recoverys actions. 

I had to take time away from work and personal responsibilities to defend myself against this unwarranted lawsuit. 

Their continued harassment despite clear evidence of fraud has been unfair and abusive. 

Respectfully submitted, XXXX XXXX
Product: Checking or savings account

I am writing to formally address a serious issue regarding my SoFi bank account number-XXXX ). On XX/XX/2024, I received a direct deposit of {$4900.00} on behalf of my XXXX brothers XXXX XXXX. However, my account was unexpectedly restricted without a clear explanation. Despite multiple calls to their customer service team, I have not received any definitive reason or timeline for resolution. 

This situation is causing significant hardship, as the funds are urgently needed for my brother 's XXXX XXXX. I respectfully request the following : 1. A clear explanation for the account restriction. 


2. An update on the current status of the investigation. 


3. Immediate steps I need to take to resolve the issue. 



Please consider this an urgent matter, and I would appreciate a quick reply. If I am still waiting to receive a satisfactory resolution within a reasonable timeframe, I am prepared to escalate the matter to regulatory authorities and tag them as XXXX XXXX XXXX. 

Thank you for taking the time to look into this matter. 

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

I was sent a letter from the XXXX XXXX XXXX Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXXXXXX # XXXX ] XX/XX/XXXX XXXX and XXXX is claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am XXXX  enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.