23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX I notified XXXX XXXX XXXX that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX XXXX has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. They keep asking me to prove that I did not open the account. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life. 


XXXXXXXX XXXX  to provide a letter to Equifax, XXXX and myself that the fraudlent XXXX XXXX  account does not belong to me and request they be deleted from my credit history
Product: Mortgage

During the year of XXXX XXXX XXXX  collected taxes and escrow with each payment they collected from me. In XXXX XXXX didn't pay my county taxes. As a result, in XXXX my taxes went unpaid. In XXXX of XXXX, XXXX XXXX   transferred my loan to be serviced by SLS in Colorado. SLS did not pay the XXXX taxes. SLS serviced and paid my taxes for every year after XXXX without issue but they never paid the XXXX. Fast forward to XXXX ... I get a bill from my HELOC lender ( XXXX XXXX ) and they told me I had an unpaid tax lien from XXXX. They ended up paying the {$540.00} that was owed, but also had to pay the law office that was attempting to foreclose on the property of over {$4000.00} in legal fees. My HELOC company charged me {$4700.00} to save the property from foreclosure. XXXX collected the money in XXXX but never paid XXXX County. SLS never collected the money from XXXX hence my property went into foreclosure. I was forced to sell my home in XXXX Arizona to come up with the money to pay my HELOC provider. Otherwise they were going to foreclose on me. All I want is my {$4700.00} back that I had to pay because my loan servicers lied and said they paid a bill but they did not. I attempted to collect these fees directly from SLS and XXXX but they both ignored my request.
Product: Checking or savings account

I am the executor of my father 's estate, who passed away XX/XX/year>. The week of his death I experienced a series of unfortunate interactions with the XXXXXXXX XXXX XXXXXXXX Huntington Branch in trying to access his safety deposit box at the time. The week of his death I submitted to that same branch, upon their demand, death certificates for my father, his mother, and his father- all of which they said were necessary as they had no record of their deaths. This was of course not true as my grandfather was listed as deceased on the account but I obliged and provided those death certificates, along with my letters of authority from the court. After months of back and forth regarding next steps, the branch manager of the XXXX location XXXX XXXX provided written information regarding how to close the accounts held by the decedent at Huntington. On XX/XX/year> I mailed via XXXX with a signature required the information outlined in XXXXXXXX XXXX  directives to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to the attention of XXXX. According to the guidance sent the account is closed after receipt of the requested documents in 7-10 business days. Huntington Bank received these documents from XXXX on XX/XX/XXXX at XXXX. On the 14th business day, XX/XX/XXXX, I reached out to inquire about the status of these accounts and the documentation I submitted. It was at this point I was informed by a customer service representative over the phone that nothing had been notated or received for these accounts. This will have been the third time I submitted documentation noting all account holders were deceased and the bank been unresponsive to my requests for closure. In addition, the customer service representative asked why I did not just go to a branch to close these accounts which left me aghast as I have been in person and remotely trying to close these accounts for months with the proper court authority and documentation. 

Huntington Bank is now being intentionally obstructive to me carrying out my duties as the Personal Representative of this estate and preventing my family and myself from achieving the closure we desire in settling this estate. I am submitting this complaint in hopes that it highlights a pattern of intentional harm this bank continues to perpetrate against its customers by being unclear about its internal processes and preventing individuals from accessing assets that are rightfully theirs. I also believe that this is likely intentional - making it nearly impossible for individuals to remove their funds from their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) Macy 's ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Checking or savings account

First I am XXXX and have banked with Wells Fargo since XXXX ( 55 years ). I will five dates and what occurred. 
I have transaction history from XXXX. 
on XXXX there was a transfer I never made of {$9000.00} from savings to checking and a transfer back to checking of {$9000.00} on XX/XX/XXXX and the same amount from savings to checking. I saw this XXXX and thought it was odd and questioned its odd behavior which i did not do, yet ignored it as I didnt lose anything.Later i realized someone probably did this to verify they had control on my a/c and then the next morning my email sjowed a large banner taking full screen that said my loan was approved for XXXX. I never asked for a loan and knew something was amiss at this time ( i was a finance major, stock broker and later XXXX office manager. ) Immediately there was a deposit of XXXX to checking. and a check for {$9800.00} went to XXXX XXXX, I had leased a car from them but paid them back in full at the end of XXXX. I did call XXXX and was told they closed the file and never received that money. there was a {$9800.00} transfer to checking and a transfer of XXXX to checking My original balance in checking was {$9800.00}, and XX/XX/XXXX {$8500.00} goes to checking on XX/XX/XXXX $ {$9800.00} goes out to XXXX XXXX XXXX i called them they necer heard of me nor had I heard of them ( when i called them ). 
At this point i had been to Wells talking to XXXX a banker there as i was clearly scared. 
At this point Wells closes my checking and savings accounts, The new account currently is negative {$890000.00} and I am honestly broken financially I do not have a dollar to my name. 
To help me out my cousin opened an account at XXXX and will pay my rent, usility bills and food until we can get this fraud accounted for and hopelfully get my money back and take me back to my {$9000.00} total combined balance I had on XX/XX/XXXX. 
Bottom line there was a balance is now negavive in a new a/c at Wells money moved around by WHO KNows probably a foreign indivisual my bank a/c has been robbed of {$9000.00}.

I have zero IT skills so all of this is shocking. It seems what Wells wants to do is say I did all of this I would have no idea how this was performed .Yet it seems there must be an account maybe foreign and phon numers somewhere XXXX could get. Sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, I did not authorize the following accounts or inquiries, and they were added to my credit file without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be investigated and removed promptly. 
Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$26000.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$2500.00} Fraudulent Inquiry : XXXX. DXXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This is a continuation of a previous complaint XXXX about my accounts at Marcus by Goldman Sachs . They did not resolve the issue at all after I called back again.

They have been telling that Marcus closed all 7 accounts ( 1 online saving and 6 CDs ) and a check is on the way. But I have been waiting for this check for more than a month. 

I called them many many times, The only thing they kept telling me that all my accounts were closed. I need Marcus to figure out where my money is.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four 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 or other personal consumer reports

I completed a Chapter XXXX bankruptcy and it was dismissed. My mortgage company XXXX XXXX gave me a new loan of which XXXX have been making my monthly payments on time, in the amount of {$2400.00} for XXXX  months. These payments are not being reported on my Credit report and they are refusing to do so.
Product: Checking or savings account

A few days ago I received a check from what I thought was a company called XXXX that had hired me from an online interview. I was told that I would need to purchase the equipment necessary for the job with the funds they would send to me. 
On XX/XX/XXXX I received a check for {$4900.00} and was instructed to make the deposit at the drive thru ATM, which I did. Afterward a temporary amount of {$400.00} was available to use which the interviewer instructed me to XXXX to a vendor for some sort of bpmware needed for work. The next day XX/XX/XXXX I was asked to proceed to a XX/XX/XXXX and purchase gift cards. This is when every bone in my body told me something was wrong. I contacted my bank immediately and spent hours on hold, spoke to 4 different people and no one would investigate the XXXX Vendor that MY MONEY was sent to. I fully expect this check to bounce and at that time, I will have lost the {$400.00} I idiotically sent to an unknown vendor. I was RUDELY told there was nothing that they could do. I deposited the check, and there is NOTHING that they can do to help, whether it be to open an investigation or flag the check. I was offered nothing. Way to go Wells Fargo. 
As of this morning this check for {$4900.00} has not bounced, and I am scared. I am scared that I am going to get a knock on my door from the cops that I stole money. Help me, please.
Product: Student loan

Began in XX/XX/XXXX when the company just stopped the auto debits but I never got notification of why or what was happening. I investigated by calling them when I got a notice that said the payment would be close to {$900.00}. I've called them, sent proof of income, filled out IBRP forms, filled out ISRP forms, every time they deny them. But when called in XX/XX/XXXX. and spoke to a representative on a recorded line, he advised that all I needed to do was sign my ISRP form and since they already had the correct supporting income information, they would adjust my payment to what I had requested, 4 % of my gross for a {$390.00} a month payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account Portfolio recovery assoc : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is showing a Chase Card Credit Card with a Current Status and Balance of {$0.00}. The Amount Past Due is {$0.00}. It's a Revolving Account Type. It says Remarks None. It was opened XX/XX/XXXX and reported XX/XX/XXXX. I got the credit report from XXXX and the credit report is from XXXX.
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern : I am writing to bring to your attention an issue I am facing with my PayPal account. To my surprise, my account has been banned without any prior explanation.

As a XXXX, PayPal is a crucial platform for me to receive payment for my services and transactions. The sudden disruption of my account has caused a sign
ificant impact on my business operations, as I am unable to receive payments through PayPal now.

I would be more than happy to provide any necessary Government/Valid IDs to help resolve this issue. I already forwarded my concern to PayPal support but they can't disclose the reason why they XXXX my account. I kindly request your assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Debt collection

A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need this account corrected at once : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

copies of documents attachment tax refund request XX/XX/2019 The reverse mortgage funding received my home owners tax credit from XXXX year end and I have made several attempts to contact them to request the error as ask for a refund in the amount of the {$2100.00} tax credit I have gotten my attorney involved communicating with them by sending a request for refund letter dated XX/XX/2019 and they have not provided a response since the attachment explains the detail regarding the refund request. currently they have ignored the request and have provided no response to date. I have previously discussed this matter with the RMF service representative and recently turned it over to legal for a resolution and have not received an explanation of why they are withholding the refund request. I have provided the contractual agreement surrounding the refund explaining that they are un-rightfully holding the homeowners tax credit that is due to me the homeowner according to life expectancy set aside amount of XXXX that they withheld from my home equity at closing they suppose to pay the property taxes and insurance as it becomes due to be paid. 


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