23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My wife was duped by a person on phone who claimed to work for XXXX because she had been fraudulently charged a subscription of {$16.00} and the scammer ended up asking her to send XXXXXXXX XXXX by XXXX XXXX to our daughter and asked the daughter to send the same {$4900.00} to fake account. On XX/XX/23, we share a joint account at Citizen Bank with my wife and saw her holding the card talking to someone I became suspicious opened the account on phone and saw Pending {$4900.00}. I called Citizens Bank immediately to notify them So as to halt payment. XXXX the person I spoke with promised to expedite the investigation and that I would hear from XXXX Department within 3 business days. Three days after I called and talked to another Agent gave him my reference number XXXX of XX/XX/23, still payment of {$4900.00} was still pending in which case my so called Citizen Bank had the time to Stop payment. Ten days after ( XXXX I called Citizen Bank for follow up of my case ( XXXX ) in the amount of {$4900.00}. This is when the Agent told me that I should wait for the letter in the mail regarding final status. When I pressed him further he asked me to hold on and he looks for details, and this when he stated that the Bank ( Citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this? 

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
Product: Mortgage

This is an amendment to my earlier complaint ( complaint id # XXXX ) in which Wells-Fargo changed the terms of the refinance request. When I filed my complaint on XX/XX/2020 I had already told the mortgage agent to cancel my request, refund my money and " do not do the deal '' because he was changing the terms of our loan request. Never the less-on XX/XX/XXXX, at XXXX, CST, not only did Wells-Fargo go ahead and lock me in for an interest rate and term I NEVER approved, then they willfully and unlawfully charged my credit card for the cost of forcing a loan on me that I neither approved nor wanted. I have since had to file a disputed claim with my credit card company ( ironically, Wells-Fargo ) against a fraudulent company charging my credit card-which in fact is Wells-Fargo. I called the Wells-Fargo representative four times yesterday to get satisfaction to this matter but have received nothing to date.
Product: Debt collection

" XXXX XXXX '' Date Opened :XX/XX/XXXX.Original Creditor : " XXXX ''. And " Trident Asset Management '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Trident Asset Management Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX  has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXXIwired{$140000.00}toXXXXXXXXXXXX.Ihadthewrongaccountnumberonthewire.MybankshastriedtorecallthewirethroughthewiresystemnumeroustimesandXXXXXXXXhasrefusedtoallowtherecallandreturnthefundssoIcanwirethemoneytothecorrectaccount.ThewirewassupposedtogotoMs.XXXXaccountingendinginXXXXXXXXXX.WeleftoffthefirstthreenumbersandsentittoXXXXXXX.InspiteofthenamenotmatchingtheaccountnumberandtheproblembeingobviousXXXXXXXXhashadthemoneyfor3weeksandstillhasnotreturnedit.

Thisislotofmoney.Canyoupleasehelpmeandinvestigatethis.Howmanyotherpeopledoesthishappento?IhavetriedtocontactthebankeverydayandtheonlypersonIhaveeverspokentoisXXXXXXXXat(XXXX)XXXXext.XXXX.Afterintitiallyspeakingtomeshehasnotreturnedmultiplecallsforthelastthreedays.IhavealsoemailedtheheadoftreasurymanagementXXXXXXXXatXXXX.Ineverreceivedaresponse.

Pleaseinvestigatesootherpeopledon'thavetogothroughthis.Theyknowwherethemoneyisandtheyknowitdoesn'tbelongthereandtheywon'treturnitandwon'teventalktomeboutit.
Product: Payday loan, title loan, or personal loan

I have made all payments within the alloted time period. The company made an error processing a payment and has reported me late on my credit. When i have reached out to fix this issue, CS has been very rude and unhelpful
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX charged my bank account fraudulently. I called the bank and they said " Call XXXX first and see if you ca ] n get a refund. '' That's exactly what I did. I was refunded my money.

Unfortunately, my account was negative solely because of the fraudulent charge. I had money in my other checking account so Navy Federal took it. from that bank account to help pay for the overdraft. I was still left with a balance from an unauthorized transaction. The money should have never been transferred because the charge was fraudulent from another company. I did not participate in these fraudulent transitions so I shouldn't even have a negative balance. I got my refund. but not in its entirety. I still had a negative balance from the XXXX  fraud chart. So when my refund came it was not a full refund because it paid the overdraft. I asked for my {$240.00} because it had nothing to do with me. XXXX said no I need to use the refund to replace that money. Which is insane. The money was so low because it had to pay for the unauthorized transaction. I want my money back from my other account.
Product: Credit reporting or other personal consumer reports

XXXX is showing 3-4 different scores, also providing inaccurate information preventing a fair credit report. Disputes are being denied without burden of prof and personal information was shared to third parties which is illegal by law of 15 Usc 1681. In which each violation is worth {$500.00}.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and TXXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

You have provided statements that shows no prove that I actually open the account. So I went on a step further and I noticed the account XXXXXXXX XXXX XXXX XXXX  with number XXXX is reporting incorrectly as XXXX on my credit report. You have it listed as opened on XXXX with the last activity on XXXX, but this is wrong. This error is affecting my ability to achieve my financial goals, like applying for a mortgage or even obtaining a car loan. Please remove this account and provide proof of the {$850.00} since I do not owe it. 
The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving 30 days from now in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Debt collection

Hello I am XXXX XXXX date of birth XX/XX/XXXX Im writing this CFPB complaint because LVNV FUNDING LLC has violated my federal consumer rights. I am unaware of this debt, I did not have the opportunity to dispute this information. If in fact you believe you have gave me proper notification then please send me the certified receipt with my name on it and my signature.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Student loan

The loan servicer consistently charges me interest on a loan I have already paid off. This has happened to me XXXX times. Customer service also refused to allow me to speak to a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I discovered that the product was considerably inferior and defective to the point that we reject the product and want to stop paying for it
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Regarding Misrepresentation of Account Status and False Reporting** Dear CFPB, I am writing to file a formal complaint against XXXX AND XXXX for falsely reporting to the Consumer Financial Protection Bureau ( CFPB ) that corrections were made to my credit account, which continued to incorrectly report as " late. '' Despite assurances provided to the CFPB and myself that the inaccuracies in my credit report had been corrected, upon reviewing my account on XX/XX/XXXX, I discovered that no such corrections had been made. The account in question is still reporting as late, which is inconsistent with the information provided to the CFPB. 

This misrepresentation has not only misled the CFPB but has also caused significant and ongoing harm to my credit score, thereby affecting my financial integrity and ability to secure financial services. The failure to update and correct the reporting as claimed has undermined my trust in the reporting process and has continued to impact me negatively. 

I urgently request a thorough re-investigation of this matter and immediate correction of my credit report. Additionally, I seek transparency regarding the communication that led to the erroneous report to the CFPB. 

Please confirm receipt of this complaint and provide a timeline for the resolution. I am prepared to provide further documentation as needed to assist in resolving this issue promptly. 

Thank you for your attention to this serious matter. I look forward to your swift response and resolution.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I check my report regularly, but this time, I spotted errors that hadnt been there before. I even refreshed my browser, thinking it might be a technical issue, but the incorrect accounts remained. Because of this, I am requesting a careful review of the documents I provided to ensure that I wont have to deal with this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

I am reaching out to file a complaint against XXXX, Equifax and XXXX for reporting a bankruptcy on my credit report. As a consumer under 15USC1681 ( b ) the law reads : ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

With this being said, I never gave XXXX, Equifax, XXXX or XXXX any written instruction or consent to report anything on my credit report. Furthermore, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Furthermore, I have received a letter from the Bankruptcy court stating that they do not report to the credit bureaus. Therefore, if the Bankruptcy court does not report to the credit reporting how are yall reporting? I am aware that these credit bureaus get their information from XXXX, which is also violating my rights to privacy because I never gave XXXX consent to share my information. 

Please remove, block, and delete the following account and review the attached documentation. Once removed from the XXXX system, you shall notify ALL persons furnishing this information. Failure to do so will result in an immediate litigation process. 


U.S. BANKRUPTCY COURT- XXXX  XXXX Bankruptcy XXXX
Product: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.
Product: Checking or savings account

I opened a regular checking account then I opened a business account. My first client sent me a wire for XXXX and gave me a check for XXXX I deposited and when the wire cleared I sent some money out XXXX and then my account froze right before XXXX XX/XX/year>. I went to the bank and US Bank. Located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX and they told me my account has been closed due to fraud then they sent me a cashiers check for the amount of. XXXX. I went to the bank talk to the manager. I told him if it was fraud. Why would they send me money? He opened me a new account and the rest of my funds {$5900.00} was still on hold he told me it was investigation Until now. I have got no money and they closed the account that he opened for me. Its almost 4 months now thank you for hearing me out managers name is XXXX XXXX branch XXXX for US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX. 


Dear XXXX : Since XXXX my CFPB file will show that XXXX and its subsidiaries which include but not limited to XXXX, XXXX and Shellpoint, just to name a few, have interrupted justice in my case by using corrupt practices to not only delayed and denied the data my lawyer are requesting to prove my case in one the finest justice system in the world, the XXXX XXXX XXXX XXXX 
Shellpoint Mortgage and its parent company do not relent to break Federal Laws/ statues and get away with it because of its privileged ( power and pervasive ). 
Attached, please find communications grounding the facts of the above claimed that is self-explanatory. 
I have a team of lawyers that have been anticipating, and are still waiting for me to present to them the needed documents/data that they have requested for review, audit and written analysis to be presented in the court of law but to no avail until now. 
What I want in the here and now as I prepare for the upcoming sheriff sales of my home by XXXXhellpoint Mortgage on XXXX XXXX, XXXX before my home can go on sale is : ( 1 ) The original copy of XXXX XXXX XXXX XXXX signature on the Mortgage note. ( To date, the Shellpoint Mortgage and subsidiaries has refused to provide me with same ). And ( 2 ) The RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST. 
These requested documents have been long awaited by my legal team listed below, namely : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX Web Site Address : XXXX XXXX, XXXX XXXX XXXX, is a multi-discipline law firm with specialty in Bankruptcy, Mortgage Audit, Predatory loaning among other related business legal matters. The service is paid for. 

Im still awaiting the requested documents from Shellpoint to be presented to the firms listed here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, PA XXXX Email : XXXXXXXXXXXX A Consumer Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX My lead Forensic Document Analyst Thus far, Shellpoint Mortgage has been speaking with The Law Office of XXXX XXXX with my written consent. 

However, to date, Shellpoint has failed to provide any document/s undergirds XXXX XXXX XXXX XXXX XXXX signature, copy of her Social Security Card, any Picture Identity or a copy of a pulled credit report that justified XXXX XXXX inclusion on the mortgage note in question.