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

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to XXXX disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX$65000.00} was showing my balance but my incorrect.Call and they states that my account balance was {$0.00} then when I called back they said the account was closed. 

Penfed Displaying account balances inaccurately on many occassions and closed my checking account for reasons not lawful. Made transfers to another institution and it stated the funds were being transferred on that day but later it should another date and on that date XXXX it didnt show up. 

XXXX XXXX XXXX XXXX I was blocked from paying rent using the online portal and now only 2 of my balances have shown up. My balances are not being displayed. And attempts to login hae been denied on many occassions. 

XXXX XXXX XXXX approved for a mortgage and deposit account and then rejected from using services. 

XXXX XXXX approved for a real estate deelopment loan and because of inaccurate information listed in the XXXX XXXX XXXX I was later denied forcing my companies into fiancial hardship. 

XXXX XXXX I did not receive the correct amount mandated by the XXXX XXXX XXXX XXXX. Now my accounts are not showing accurate balances.The also hae denied my the ability to dispute transactions. 


XXXX XXXX XXXX has prevented me from applying for a real estate loan because XXXX XXXX XXXX all of their funds '' XXXX XXXX  approved and denied me for an auto loan but then denied it because of inaccurate information listed in XXXX XXXX XXXX XXXX
Product: Debt collection

I currently work out of town, debt collector showed up in XXXX and asked if I was home and they said no he doesn't live here at the moment. Instead of calling my number or waiting until I return, Debt collector proceeds to hand them my summons to court papers and tells them I have to be at court over debt not paid. No covering of the papers to hide reasons for the court summons, it showed the amount I owed and court date. As they were told I was out of town and not living there at the time, mails my grandparents bills and other information to the point I had to call them and tell them ( after my grandparents explained I didn't live there at the time bc of work ) that I currently stay at a place out of town to stop sending personal mail there.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX XXXX parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX  days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _tbom Date open_____XXXX___________________________________ Account Number__XXXX___________________________ Reason for dispute__IDENTITY THEFT________________________________ Account Amount___ $ XXXX Account Name_US BANKRUPTCY_________________________ Date XXXX Account XXXX Reason for dispute__UNVERIFIED NOT MINE________________________________ Account Amount______________________________ Account Name_XXXX XXXX_________________________ Date XXXX Account XXXX Reason for dispute_IDENTITY XXXX Account Amount__ $ XXXX Account XXXX  Date XXXX _____________________________________ Account XXXX Reason for dispute_IDENTITY XXXX Account XXXX
Product: Credit card or prepaid card

Synchrony Financial closed my account on XX/XX/XXXX and I have always made my payments on time, and have always used let than 15 %. There are plenty of complaints of them doing this to several of their customers for no reason due to the Covid-19 crisis. This is unprofessional and should be against the law. This is also affecting our credit score. Their only excuse is that everyone was considered High Risk which is incorrect. This company is very shady!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( Equifax, XXXX and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights.

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Product: Credit card

I submitted a CFPB complaint on XX/XX/XXXX, complaint ID XXXX. 

I received a resolution letter from Bank of America on XX/XX/XXXX stating that the annual fee of {$95.00} would be refunded on my next billing statement. Since I already closed the credit card associated with the annual fee, I am not sure how they will be refunding the annual fee on the next billing statement. The credit card associated with the annual fee was closed out on XX/XX/XXXX and no longer appears in my Bank of America account. I have checked my Bank of America account online and I have not received any refund as of XX/XX/XXXX. 

I have called the Bank of America resolution specialist ( XXXX XXXX ) several times and have left voicemails but have not received a response.
Product: Checking or savings account

After much back and forth I finally went through the mediation process. I still have unanswered questions. In May I requested a full accounting of the total amount taken from my account, without authorization, for a product, I did NOT request. I have never received that number in writing or any documentation supporting how much was taken, when it was taken, and at what intervals was it taken. During the mediation, I repeated my request, I was told verbally the amount was {$1800.00} I asked for evidence of that number for my tax records. The wells Fargo rep said he could not do that, the records were destroyed. I asked, how they came up with the number of {$1800.00} he said, we asked the company who took the funds, how much they took. I asked if I could get a copy of that exchange for my records. He said no. We went back and forth regarding how XXXX XXXX identity theft triggered MULTIPLE Overdraft fees from XXXX he said this mediation could not discuss that at Any rate we agreed He would He would ELEVATE my request to an Executive Office case. We met the week of XXXX, today is XXXX XXXX. As yet I have NOT heard from Wells Fargo. My case has NOT been escalated. I am in possession of the mediators proposal, which I will up load. I have not heard from Wells Fargo there isnt even a method to accept or decline the proposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Ditech mismanaged 3 extra principle payments. 2 of  which are resolved. The third {$300.00} payment from XX/XX/2018 is still not applied. We have been sending letters back and forth since XXXX of 2018. We have sent bank statements at the request of Ditech only to be told a month later that they now needed copies of the cancelled checks which we provided. We believe they are purposely delaying in anticipation of their bankruptcy proceedings. We have copies of all communications from Ditech and all the letters we have sent. With all the letters and statements and copies of checks we have 20 to 30 pages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, XXXX, XXXX  , & Equifax is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Product: Mortgage

My loan was originally with XXXX and earlier this year they transferred it to XXXX Loancare and ever since it's been nearly impossible to reach anyone to speak with or to get a straight answer. Most of the people I speak with have contradicted each other. At least one woman told me information that later turned out to be false : she said I would be offered a 3.125 % interest rate if I did a loan modification. But when the loan mod offer arrived it was for the exact same interest rate ( 4.125 % ) I currently have but they extended the term of the loan to 40 years. Previous to that I received an email on XX/XX/XXXX from Loancare stating I had " been approved for an initial forbearance plan or extension of your current plan. '' But then when I called in after that they said I wasn't eligible. It has been confusing and frustrating. Eventually I requested the loan modification offer with the understanding it would be a lower interest rate and when it arrived it wasn't lower. I've currently been on hold for 41 minutes and counting trying to understand what my options are if I reject the loan mod offer. I reached someone named XXXX and asked what my options are and she said she needed to put me on on hold to look into it. that was over 30 minutes ago. This is predatory lending. The email address they told me to contact them at ( XXXX ) is invalid. The forbearance plan offer also lists someone as my mortgage resolution advocate XXXX XXXX XXXX XXXX and his phone number as the general phone number for loancare which takes forever to reach a representative and is impossible to navigate through. There's no extension for XXXX nor is there an option to enter an extension anyways. Also none of their correspondence lists where to mail payments.
Product: Mortgage

XXXX XXXX XXXX and XXXX, XXXX, and XXXX ( XXXX ) did not abide by our agreement and court order to apply my arrears unpaid to my principal ( from prior hardship mortgage plan from job loss ). They brushed off my many emails and calls requesting help regarding my mortgage 's incorrect billing statements during a pandemic. My monthly bills showed an extra {$5000.00} plus due each month. I was advised my loan was still in process and someone would call back - FOR THE ENTIRE YEAR. I was on the phone countless hours with no assistance and I not only emailed XXXX XXXX XXXX, but emailed XXXX for assistance. They never provided any detailed itemization of this {$5000.00} plus unpaid amount they added to my billing. Never provided explanation of why my principal increased so much, or provided any assistance with loan status. Even when my attorney reached out, they advised they would look into it and that was it. 
XXXX XXXX XXXX then sold my loan with the incorrect information to Roundpoint Mortgage, so instead of showing up to date Roundpoint has that I have not paid since XX/XX/XXXX. Which is not correct. Roundpoint, in turn, sent me a packet on foreclosure assistance two weeks ago and a bill for {$6000.00} plus, when my monthly payment is {$660.00}. I tried to refinance and was denied, because XXXX XXXX XXXX reported that I have not paid for my mortgage since XX/XX/XXXX and they would not correct or acknowledge my request to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regards to complaint # XXXX, Please be advised Under Federal Law ( Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I 'm entitle to physically verify or vision any information such as signed Original Contracts or applications with my signature. Experian has investigated the accounts several times. I need Experian to forwarded me signed documents with my signature Please. Under the FCRA laws mentioned I 'm entitled to vision and Physically verify the information being reported.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, all of my student loan and fafsa money was transferred from my account without my consent. I contacted Wells Fargo the minute I received the email saying all my money was gone. They opened up a claim and when I called on XXXX XXXX, XXXX, they informed me that the wrong type of claim was opened but they would open an online claim and it would be resolved within 10 days. My rent is due on XXXX XXXX, XXXX and they sent me to a branch to get a provisional credit. The branch XXXX advised me that I could not get a provisional credig but I could apply for a new student loan. I did not find this very professional as they have caused me to be without money to eat or pay for my necessities.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2020, We noticed a withdrawal from the account for the amount XXXX, the statement showed that the wire transfer was from XXXX XXXX a name we didn't recognize. We called capital one to inquire on XXXX 2020. The bank said " not to worry that it did not go though because they weren't able to get ahold of the signer ''. That the money would be redeposited into the acct in a few days. A week later I called again because I did not see any action taken and that's when they sent me to the fraud department. They said it was a fraud and that they will look into this matter and closed the account without notice. This is a business account it caused us a huge amount of trouble bounce checks changing all vendors etc to new account. Today is XX/XX/2121, and every time I call the fraud department they tell me that they are waiting for the other bank. Its almost three months this is a huge amount of money that we are in need of. 
My experience with wire transfer is I have to go to the bank show ID, and fill out paper work. This wire was done though the computer. No one called the signer, for approval. 
Total incompetence 's from the bank. I trusted the bank " Capital One '' to safeguard my cash and the bank without questioning the obviously suspicious activity, paid it.
Product: Mortgage

I put my mortgage in forbearance for 18 months. The forebearance period has no expired and now I have a larger mortgage to pay back. I was told forebeance is a pause on the mortgage. Why then am I now owing {$22000.00} more on my mortgage than before I entered forebearance?
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued here. 
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 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 XXXXXXXX XXXX GA XXXX, I have never lived at these addresses and I do not know these accounts.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are :XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I bank with Current and recently today my account got emptied and overdrawn by some charges which I did neither initiate nor authorize. Over {$500.00} was taken from me, from a merchant called BONUSES. They made 13 total transactions within ten minutes, 7 of which were for {$59.00} and 6 for {$29.00}. As soon as I noticed I reached out to my bank to argue that these were not me and obviously someone else and all they told me I could do is wait. My complaints are, for one, how did this not set off any red flags or fraud alerts? Upon researching the number that came from the merchant information, it was from someone in XXXX. I live in Texas. 13 total transactions in less than 10 minutes for the same two amounts from a country on the other side of the world didnt set off any alarms? Secondly, when I told them this and said that Im overdrawn and that it wasnt me who initiated these transactions or anything, all I got told was to contact the merchant directly myself or just wait until the charges settle and then try to dispute them. I cant contact the merchant nor should I have to wait till get my money back from obvious fraud. I talked to two separate people and I just got told to just wait it out then. That itll normally take 5-7 business days for the pending status to change to finalize. But now Im going to have to wait until I get paid because they wont overrule the transactions and cancel them and return me my money.