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

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XX/XX/year>2025XX/XX/XXXX - XXXX/XXXX/2025XX/XX/XXXX - XXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

My Flagstar VA home mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without XXXX  days notification and transfer information, Flagstar Bank transferred my home mortgage loan to XXXX XXXX, affiliation of XXXX Mortgage company, on XXXX after I made my XX/XX/XXXX mortgage payment to Flagstar ; however, Flagstar bank neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has XXXX XXXX reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to XXXX XXXX non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called XXXX XXXX and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for XXXX XXXX to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, XXXX XXXX has emailed ( XXXX ) to inform of new home mortgage information with XXXX XXXX will be serviced through XXXX, a sub service by XXXX XXXX brand. At this point, I don't know where my VA home mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a VA home mortgage and 100 % XXXX veteran to be treated as such.
Product: Checking or savings account

I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. 
Fund your account within XXXX  days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. 
Maintain your balance for XXXX consecutive days. 
It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. 
I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX  days. My investigation number was XXXX. 
On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX  days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX  months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. 
This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX  days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.
Product: Debt collection

NCA Reported that I have not made my payment for this month. I have attached the bank statement. I have not been 30 days late and I need this information updated. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX, XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX.XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX  and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when XXXX and XXXX  stated that the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the attached items be removed due to them being outdated. However, Experian refuses to obey the laws on the books, therefore I'm bringing this complaint to you to resolve. I'm tired of fighting with them to do their jobs and to follow the law. The worst part of it was they sent me a survey on XX/XX/2020 they sent me a survey claiming I " spoke to a rep with them by phone '' which I never did. I sent them a written request to remove these items. Yet the one 's in the updated attachment remain. I never talked to anyone at their office, would never call them for any reason to listen to their never ending recorded messages and only conduct my requests with them in writing. They've failed to honor the attached items on my updated report of XX/XX/2020. I want them addressed effective immediately!
Product: Debt collection

I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. 
I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.
Product: Credit card or prepaid card

I received a letter saying that I had an unpaid balance on my Belk Credit Card. I had not received any bills for this account, so I called the number. I was answered by an XXXX call center who told me that I had to write a letter to the Belk Credit to request replacement statements. I did so twice. No response. I have now received a letter stating that my debt has been sold to a debt collection service. 

I would like a copy of the bill ( s ). If these are charges made by me, I will pay immediately. I want the adverse credit report removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

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 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 reporting, credit repair services, or other personal consumer reports

FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX  XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting these accounts have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Mortgage

We are currently homeless as we await Loan Depot to set a closing date. We have emailed, called, left voicemails, to no avail. We have attempted to reach out to the a supervisor, XXXX XXXX ( XXXX XXXX, XXXX ) and he hangs up on us so that we can not leave a voicemail. 

We were given an arbitrary close date of within a week, and no one will call us back, or the title company. We need a close date in order to plan movers, utilities, and childcare for the move for our XXXX XXXX XXXX. Loan Depot is making this impossible, and also refuse to respond to any channels we reach out to. We also have submitted a ticket with the VA. 

We have reached out multiple times daily through phone and email for roughly XXXX weeks straight.
Product: Checking or savings account

I bank with commerce bank, I sold a dirt bike and put XXXX in the atm at the branch location in XXXX. It was XXXX XXXX bills. Its all on camera from the cameras at the drive through and the camera on the atm. The ATM took my deposit then said sorry no large bills and spit my card out and I got no receipt. They opened what they call an investigation after holding my XXXX for 10 days meaning not putting the money in the account. They pulled a transaction history which I told them was never going to work cause it never took the deposit they need to pull the video and audio of the machine and any of the cameras on the drive through. Furthermore count the money in the atm and audit it. So now they pulled the XXXX back out of my account and told me its going to be a month before they can pull the video and audio which should have been done the first time. So now my account is negative for the next month and bills are going to be missed due to them not owning the issue with the atm. The have a business agreement to own and operate that atm they need to refund my money while they do there investigation.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$4400.00}, XXXX XX/XX/year> XXXX XXXX {$760.00}, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$10000.00}, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$3700.00}. I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND XXXX XXXX. 
POSIBLE. 

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

I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX  stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. 

I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. 

Thank you for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX that was a signature loan that went into default because I missed 2 payments. I have brought the account current and I am making payments on the account. The account shows Collection/Chargeoff
Product: Debt collection

Portfolio recovery a third party debt collector refuses to send me the history or the origin of the debt that they are sueing me for. I sent them a certified letter XX/XX/XXXX and I had an attorney send them a letter on XX/XX/XXXX, both of which they are ignoring as they continue to garnish my bank account. Back in XXXX  they told me that the account was resolved and I only have had one account, now they have changed it to two accounts, one is open and one say resolved paid in full. I only had one account. They are refusing to provide and supporting documents
Product: Credit card

On XXXX I was checking on an Airline reservation i made weks earlier and paid {$100000.00}. Somehow was connected to XXXX. they immediately asked for my credit card #, then saying everything is confirmed. I then noticed they charged me {$1000.00}. Strange- I never authorized it. I called my bank. On XXXX spoke to XXXX at XXXX. he apologized, said it was a mistake, sent me a refund email, promised by XXXX XXXX XXXX I would receive the XXXX. Well on XXXX ; no refund. I called XXXX XXXX told me he would escalate the refund. XXXX XXXX calls says he will look into refund will call me back on XXXX hour, he never calls, I call again XXXX says aging he will call me back XXXX minutes he never calls. I then call my chase bank to reopen the dispute, because this is fraud a scam I never approved this charge, I never received any services, tickets, from XXXX. they are a scam. After I sent in writing to Chase bank to reopen the dispute they responded that I will be charged the {$1000.00} that my dispute was NOT VALID. I sent them all my documents. And they said not a valid dispute. That is incorrect.
Product: Money transfer, virtual currency, or money service

I have been scammed from well Fargo bank on XXXX for the amount of XXXX and now I been scammed again with a balance of XXXX so they close my account and now welfare will not give me no info on my scam they said it was my fault and now I dont have a bank and I still want my money back thank you I have screenshots of the money that I sent and now my bank account is closed
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. 

XXXX5 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. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS TYPE : ALL BANKS DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX  XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Mortgage

I have sent two emails to BOA complaining and had No response as of today. what happened is I have originally applied for a home equity loan in XXXX XXXX and that was solicited to me by my BOA ( bank of America ) website. I applied and furnished BOA about 120 pages of documented proof that they ask for. They were taking a  longer than usual time to underwrite me, but they did manage to add BOA to my homeowners policy and my flood insurance as additional loss payee in XX/XX/XXXX. Since after over two months later they said I did not qualify. I told them I was not satisfied with their out come. So I believe around XX/XX/XXXX a XXXX XXXX ( XXXX ext XXXX ) the manager of XXXX XXXX XXXX ( XXXX ext XXXX ) because as of today they have ask for another document of which was done month who was my contact person for my equity loan application called me and we decided to reapply using my wife 's income also and it would take 3-6 weeks. So I had to call on almost a daily basis to get them to act on/process my new application # XXXX. ( third app FTI ). Anyway they confirmed with me they would use as much from prior app to expedite my. They have continually ask for duplicates etc. and I believe I have been discriminated because of my age and XXXX. Because as of today they asked for the same notarized document they told me they will use the one we furnished previously. I believe this is also fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never open up a XXXX XXXX XXXX XXXX from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is XXXX.
Product: Credit reporting or other personal consumer reports

delete this fraudulent account that is taking away my ability to pay and does not belong to me, please, thank you momnt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a mortgage loan with XXXX XXXX XXXX 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources. 

However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations. 

My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ). 

On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day. 

On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc. 

On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.