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

I have been a victim of identity theft, with my personal information used fraudulently, leading to items appearing on my report that I was never associated with. I followed TransUnion 's guidance and filed a report with the FTC, which I submitted, yet these fraudulent items still remain on my report.
Product: Mortgage

We called Wells Fargo Home Mortgage to get a payoff on our mortgage on XX/XX/, the account representative pulled the payoff in the amount of {$450.00}. The representative advised us that we could not transfer the money online ourselves and advised that she would handle this on the bank side. She got the account information but she entered the information for the account number wrong. OnXX/XX/XXXX my husband realized the amount never came out of our Wells Fargo checking account and called Wells Fargo back to find out why. The representative acknowledged their error and fixed the account draft and processed it correctly. The XXXX cleared our bank account on XX/XX/. 

On XX/XX/, we called Wells Fargo to check on our satisfaction of our lien that had not been processed with the XXXX County Register of Deeds. In NC there is a 30 day requirement to release a lien. The representative advised that they showed the lien had not been released and would send an urgent request to the lien release department to XXXX this paperwork. We were told that a representative would call me with this information. We received no call back. On XX/XX/, we called Wells Fargo back and were advised no additional work had been processed by the lien release department. A case was opened with the executive escalation department. OnXX/XX/XXXX, we called the executive department and received no updates to our request. Around XXXX the same day, a representative named XXXX from Wells called to say he was handling our request. He proceeded to state that my loan was not paid off and that I still owed {$450.00} since the first automatic draft did not complete. While on the phone, we pulled up our bank account and gave the cleared date of our draft. He proceeded to disagree with me even though he had no access to look at our Wells Fargo checking account. We are in receipt of a final payoff letter from Wells Fargo dated XX/XX/ stating our account is paid in full. Our online banking confirms our mortgage account is paid in full. 

Here is our deed information {$160000.00}. Book 2494 page 1761 - 1782 datedXX/XX/XXXX. There is an extreme disconnect from the generation of a payoff letter and processing the release that needs to be investigated. I want this expedited immediately.
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions. 
I these accounts are to be removed deleted from my credit file.
Product: Credit reporting or other personal consumer reports

When checking my credit scores I discovered an unauthorized hard credit check from my credit card issuer, XXXX XXXX, made on XXXX XXXX and reported by XXXX on XXXX XXXX. I contacted the card issuer to dispute or for an explanation and was told they couldn't help me. I contacted XXXX online but it said it couldn't be disputed online, and when I called their customer help number I was routed to a voice mail system that said I should seek assistance online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there. XXXX ( XX/XX/2022 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX conducted an Equifax hard inquiry on my credit report without my consent. 

At this time, I was in the process of preparing for a move ( purchased a new home ) and their XXXX XXXX team ( alarm monitoring service ) conducted the inquiry as they were scheduling to relocate my existing alarm monitoring service. 

The call was recorded by XXXX XXXX XXXX and they were only supposed to check their internal payment history on my account. The recording will reveal that I told them I do not authorize a hard inquiry ( said this several times and had them define what they would be doing ). They insisted it was not a hard inquiry. 

I contacted Equifax and they can not purge the inquiry. 

I have contacted XXXX XXXX XXXX several times to reverse the inquiry and they have taken no action. 

XXXX XXXX XXXX should be fined for this fraudulent action and their resulting zero effort to resolve it. 

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

Disputing on the all the incorrect information listed below that all 3 credit Bureaus have listed on my credit profile.Requesting for all these incorrect information to be removed. 
1.XXXX  XXXX bill in the amount of {$12000.00} is payed off yet all 3 credit bureaus have this account owed.

2.Incorrect name and address on file 3.did not give authorization for hard inquiries.

4. XXXX company as been payed in full seens 2016 which is 7 years ago but yet still on my credit profile. 

5.All 3 credit Bureaus Transunion XXXX XXXX and XXXX have been sabotaging my credit profile by not updating the correct information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received information from XXXX, and Experian that I have a bad debt from XXXX with a collection agency called XXXX XXXX XXXX. I asked them to provide me the original contract and the date this alleged debt occurred. After several they keep coming back as verified. This causing a strain in my life and financial situation knowing someone can easily put things on my credit report with proper validation or verification. I reached out to collection agency and they sent me a letter asking me to obtain a proof of residency from XX/XX/XXXX from a XXXX bill? But XXXX XXXX Experian are reporting debt XX/XX/XXXX. Please see my attachments. They violated my rights per 15 U.S, C. 1681G Law violation.
Product: Checking or savings account

I am willing to file a complaint by Navy Federal Union credit regarding multiple overdraft fees. I have Incurred. Despite having insufficient funds. When transition was authorized, I was charged fees due to lagged posting of charges and credit cards this issue aligns with the recent CFBP finding against Navy Federal for similar practices when transaction settled with insufficient balance, despite initially available fund I believe these practices are unfair and request an investigation into my transactions
Product: Credit reporting or other personal consumer reports

XXXX is been reporting my name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is incorrectly. Only one name should be in my report. Which is my legal name XXXX XXXX. This is causing problems trying to accomplish my dream.
Product: Checking or savings account

Chase bank keeps overdrafting my checking account XXXX per month for not keeping XXXX in my checking account. They are stealing funds.
Product: Credit reporting or other personal consumer reports

Discover account was flagged for fraud and removed from XXXX. Failure to remove from other reporting agencies. 
Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while XXXX never investigated the issue As well as signer of card day it was opened
Product: Debt collection

At this time the above finds himself living and doing Business at XXXX XXXX XXXX, XXXX, Florida. Which is in the middle of a Coronavirus hot zone pandemic for the state of Florida during this time I hereby inform my credit card issuers that during the Coronavirus pandemic the above will not be making any Payments until this Coronavirus pandemic is over also please be aware that the above apply for federal government disaster relief and you can refer to case number enclose, your credit card balance with the above has been highlighted as A debt that qualifies for disaster relief within three months credit issuer '' s will receive full payment of the balance, notification of this action become affective immediately as of this time stamp date XXXX SBA Application No. XXXX - Status Update 1 message XXXX XXXX XXXX Fri, XX/XX/2020 at XXXX XXXX To : XXXX XXXX XXXX Dear Applicant, Please see the attached letter for information regarding the status of your application for an Economic Injury Disaster Loan. The SBA understands that this is a challenging time for your business and the nation. We appreciate your patience and understanding as our agency works through the surge of loan application volume during these unprecedented times. Questions? We're here to help. Call us at XXXX XXXX XXXX XXXX
Product: Credit card

I called and spoke with XXXX today then another agent checking on the status of my claim- - I received this code after filling out this form online on XX/XX/23 - # XXXX which they could not find in the system? I was told the Head of the Mailroom received the letter I sent in the mail on XX/XX/23 but he did nothing with my question or letter WHY? You could find my name but no complaint??? 

I was in my Experian file and inserted my NEW INCOME at my job of {$95000.00} and my social security of {$1500.00} a month an additional {$18000.00}.. My debt to income ratio went from 34 % to 19 %!! THIS IS A HUGE DIFFERENCE when it comes to qualifying for credit or rates offered. In buying a home it could be thousands of dollars!! In the past I have been denied credit because of my CREDIT SCORE or I GET OFFERS FOR CREDIT CARDS AT 29 % +... 

I sent an online email to Experian and was told that they DO NOT UPDATE income and they us a national base of $ XXXX NOT MY ACTUAL INCOME... THIS IS SO WRONG ..I AM BEING MANIUPALATED BY THIS CREDIT REPORTING AGENCY!! 

MY QUESTIONS.. Is this A STANDARD PROTOCOL FOR all credit agencies- XXXX XXXX XXXX as well. ..What can you do as a Consumer Credit agency to help me get resolve in this issue? 

TO BE CLEAR.. I want to file a COMPLAINT ON ALL THREE CREDIT AGENCIES- EXPERIAN, XXXX AND XXXX.. 

I want to receive in writing what their policy is on reporting REAL INCOME ( verifiable ) vs. the model or $ $ they use when doing credit ratings.. .ANY OTHER INFORMATION YOU CAN FIND WOULD BE APPRECIATED AS WELL....
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries included in dispute : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$1200.00} XXXX Original Creditor : XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance {$150.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$350.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2800.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$690.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$160.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$160.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. Experian, XXXX and XXXX. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Hello, I am XXXX XXXX and I am contacting you to request the removal of specific information from my file. The details that need to be deleted are outlined in the attached report. I have been a victim of identity theft, and I did not authorize these transactions. It is crucial that these entries are removed to rectify my credit report. I have already reported the identity theft to the Federal Trade Commission and have included copies of the Identity Theft Affidavit. I kindly request the prompt deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I finance a 2009 XXXX XXXX with Santander Consumer USA. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. Santander approved me for the loan I had an approval from my trustee as well. After financing the vehicle with Santander, they reported to my credit for a few months. Then I noticed they stopped reporting. I called Santander to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by Santander the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of Santander Consumer USA. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I pulled funds from my retirement account in the amount of XXXX. I then deposited that check into 5/3 checking account via their ATM and figured that the funds would be available the next day. I was informed the next day that the funds would not be available until XX/XX/22. Not knowing this I began paying some bills, which put my account into a negative balance and began to receive charges on my account.
Product: Debt collection

Ronald Reynolds & Associates Ronald Reynolds did not send no notice or any documents of any court correction of my dispute. Ronald Reynolds only file another Judgement that as if I have not paid nothing. I have all the documents and the new filing by Ronald Reynolds shows as a balance once again for {$4800.00} as the first one filed inXX/XX/XXXX. Ronald Reynolds is trying to collect the same amount again. Ronald Reynolds stated back that he has adjusted by the court the amounts. There has been no such letter or proof to nothing he is saying. XX/XX/XXXX have a letter stating the same amount owed by him with his signature. showing balance due {$4800.00} As in the past his accountant seems to be a little funny and I have also reported it as well. 
Ronald Reynolds has not provided no up to date documents of no credits or nothing.

I also receive a letter by Ronald Reynolds saying the debt was sent over to XXXX law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX with the same amount owed by Ronald Reynolds as proof that he is doing nothing nor has provided any proof. 
Ronald Reynolds states that he has updated the amount and the court has giving credit. There has been no documented proof by Ronald Reynolds. 
Its clear that this debt is a clear scam to state on XX/XX/XXXX the same amount stated back on XX/XX/XXXX that the balance was original principal was {$4400.00} and now the principal is {$4800.00} its been so many numbers it is never the same as I have all the previous amounts by Ronald Reynolds as proof to his accountant methods and credits. 
So how is it some one has paid {$7000.00} and on by Ronald Reynolds you send a letter out to me showing {$4800.00} Current balance by Ronald Reynolds with his signature as if nothing has been paid. Its nothing but error and games. Then Ronald Reynolds seems as he wants to threating me by words in one of his earlier letters. 
I have letters going back to him inXX/XX/XXXX that was sent 3 times by certified mail to resolve this with no reply by him I have the letters and they was mailed out US Postal Certified to him inXX/XX/XXXX to this account. 
There was nothing but games as I had an attorney that call and every time his Secretary talk to my attorney and sent her bits and pieces of information and half of the documents requested was not sent. I also have text messages from my attorney in regards to the issue by Ronald Reynolds and the issues was also stated about Interest fees and other issues that was not right. In which Ronald Reynolds has yet to address. 
Its clear onXX/XX/XXXX there is something very wrong with this account and the amount showed by Ronald Reynolds is {$4800.00} by his letter and as if nothing is paid. Ronald Reynolds is just trying to collect money not owed to him and not reporting the correct amount I'm also filing with the IRS to this account method a complaint on this business I have all the documents going back as proof. 
I'm going also taken further measures as filing on XXXX XXXX XXXX XXXX as proof of this letter Ronald Reynolds is stating that I owe him {$4800.00} as of XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX SSC : XXXX XXXX has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against XXXX and challamge finacial.
Product: Checking or savings account

Citi bank has my online account blocked and can't access my funds and keep being told to go in person to branch I just went to the branch and they also couldn't pull up my account and advised me to call customer service at this point im like going in circles. This is very frustrating and not okay I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account number : XXXX On XX/XX/2022 I sent a letter to Experian and XXXX XXXX XXXX  to validate the debt or resolve and delete it off my credit report. Experian failed to investigate properly and retrieve the information I asked for to validate the debt. 

I asked for the following information and did not receive it. 

1. Proof that I owe the debt and that you have the legal right to collect on it. This could include the original contract from the creditor with a signature or any other documentation from the creditor that proves I owe the debt. 
2. Proof that the debt is still within the statute of limitations and the method you use to make this determination. 
3. A photocopy of the agreement Experian change the status to update to the XXXX XXXX XXXX account without proper investigation and deleting account as they stated in the prior complaint. 

I received a mail from XXXX XXXX XXXX, and they were not able to validate the debt and provide any proof that I owed the debt. Nonetheless they stated that they did not take over the debt and there for can't provide me with any information. 
As they stated I do not owe XXXX XXXX XXXX anything and they should not be reporting anything on my credit report.
Product: Credit reporting or other personal consumer reports

The companies below have gone into my personal information, and they have created hard inquiries in my credit report without a good reason. 

XXXX. XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX / XXXX date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX date : XX/XX/XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( XX/XX/XXXX ) and XXXXXXXX XXXX ( XX/XX/XXXX ) made a hard pull on my credit report of TransUnion without my consent.
Product: Debt collection

Fitzgerald and associate. a company that I can not find online. at phone number XXXX XXXX XXXX They repeatedly call my parents claiming I owe money from an old debt with XXXX XXXX XXXX XXXX. this was pain over a decade ago. They threaten to claim my house and business. I have spoke with XXXX XXXX  and made sure they don't show an outstanding debit. the case number they claim is XXXX XXXX