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

I am filing a formal complaint regarding multiple fraudulent accounts and unauthorized inquiries that have appeared on my credit reports due to identity theft. Despite my repeated attempts to resolve these issues directly with the credit bureaus, these fraudulent accounts remain unresolved and continue to severely impact my credit score and financial standing. 

Summary of Fraudulent Accounts and Inquiries Being Disputed : Equifax : 1. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Status : Derogatory 2. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Status : Disputed 3. XXXX, XXXX. 

Account # : XXXX Status : Disputed 4. Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Status : Disputed 3. XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed XXXX : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Status : Disputed XXXX. XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed 3. XXXXXXXX XXXX Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 4. XXXX XXXX XXXX Card Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed 5. XXXX XXXX XXXX XXXX XXXX XXXXf XXXX ) Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX  ) Date : XX/XX/XXXX Actions Taken : I have filed disputes with Equifax, XXXX, and XXXX and submitted necessary documentation, including a police report and an FTC Identity Theft Report, proving these accounts and inquiries were the result of identity theft. 
Despite my efforts, these fraudulent accounts and inquiries continue to remain on my credit report, causing extensive damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance Owed : {$18000.00}.
Product: Mortgage

We continue to send documents over to the lender and they keep for some reason not receiving them. I have emailed and now have recently started using their loan solution portal as well but they have yet to receive them. 

How can can you not receive documents when your own portal is being used. 

Even our third party authorization that was sent was someone how lost. We have proof that we sent it to them but they continue to say that they don't have it. 

Please help me save my home!
Product: Debt collection

I living breathing soul XXXX ; XXXX XXXX XXXX beneficiary, have sent Wells fargo auto 3 written cease and desist noticfications about stopping all communications dealing with debt oertaining to account number XXXX. Wells fargo refuses to STOP debt collection notices being sent to my private address. They have sent 4 DEBT COLLECTION NOTICES on 4 different occasions ( please see attachments for documentary evidence ) WElls fargo entered a Fudiciary agreement on XX/XX/XXXX of XXXX acting as the trustee to my XXXX XXXX which is the Social security number to XXXX XXXX, in which XXXX ; XXXX XXXX is the beeficiary of which means wells fargo doesnt have authoirty to act as a beneficiary of the XXXX XXXX. They have been committing sutto fraud. They have been paid directly from the trust and continuously keep using deceptive forms and now have sent a harrasment of vehicle repossesion. ( please see attachments ) They have violated Title 15 usc 1692c and 1692e, along with DISREGARDING THE CEASE AND DESIST letter. The agreement on XX/XX/XXXX is null and void and doesnt stand in court of Federal Law since the voilations and Laws have been put on public record that have been broken by Wells Fargo XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Over the years I was charged overdraft fees when I had money in my savings and have overdraft fee protection setup to take money from savings to cover my checking account when it got low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert of a hard inquiry on my credit that I did not authorize. The inquiry was on XX/XX/2021 with XXXX Bank. It is on the Equifax report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Experian received a certified mail regarding my personal credit. They then sent me an email stating that they received a suspicious request in the mail regarding my personal credit report and determined that it was not sent by me when the mail was indeed sent by me.
Product: Checking or savings account

The FDIC Consumer Response Center has aSKED ME TO. FILR WITH YOU Case # : XXXX FDIC Name of Contact : XXXX XXXX XXXX Description : After noticing approx 36 unauthorized charges debited from my checking acctt SoFi was kind enough to credit each of the purchases back immediately. I went back to the beginning to triple check as I do not make a lot of money. I then noticed that there were 6 transactions where I do not bank or shop totalling $ {$1400.00}. I use the ATM @ XXXX not XXXX XXXX or XXXX. I DONT withdrawal those large amounts & twice each time dame day. I did not share my information, allow my information to be known ( At least not to my knowledge ) & I certainly did not file a fraudulent report. My disputes were denied due to no communication which isn't the case at all. Police reports were filed without a suspect as I don't know who it is? My mother had several up to 6 people at a time from the homeless community renting rooms after her husband passed away. A total of 28 renters in a 24 month span... I'm not accusing anyone due to displacement, however homeless no money no job plus XXXX XXXX XXXX XXXX all play into the havoc they brought to our home. Long story short my debit card was feloniously used to remove funds from my checking acct XXXX at XXXX & XXXX at XXXX XXXX ATM WITHDRAWAL OF XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX without my knowledge, permission, or in conjunction with another person., I thought I should mention that Each time they sent a new card I would register or activate in & I would get error " incorrect info '' when I would call CSR I was told each time that that was wrong card and that was from before. So I'd get a card and it was activated used closed & A new one sent before receiving correct debit card..does n't make sense 5 times in succession card in my hand I just received closed after charges when it just artived???? can you see the confusion. 

I do have police reports should you need them
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit card

I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.
Product: Checking or savings account

I am the executor of a small estate. The decedent had a small account ( {$3100.00} ) at Bank of America. In XXXX of 2020 I spoke to Estate Servicing at B of A about having the funds released to me. They required a copy of the will, death certificate and a letter of direction, all of which I submitted. I have called and emailed repeatedly since then. They have ignored my communications and changed their requirements multiple times. Calling customer service requires 40 minutes to over an hour of hold time, and the time commitment per call is generally around two hours. After finally promising to release the funds to me by check payable to the estate ( which I may or may not have been able to negotiate ), they once again reneged and now say that I need documentation from a Florida court in order for them to release the funds. ( The decedent was domiciled in Florida at the time of her death. ) The Circuit Court of XXXX XXXX ( where she died ) does NOT require this, it is a bank policy which they will not waive, and I can not obtain what they are asking without hiring Florida counsel for a cost in excess of the funds being held. So basically the bank is stealing the {$3000.00} by denying me the ability to access the funds.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$870.00} I got scammed. A person had send me a package through a delivery company called XXXX XXXX XXXX. The delivery person contacted me through messages to pay a shipping fee for {$870.00}. They contacted me again saying I need to {$4500.00} due to custom fees because of money laundering and kept on threatening me by saying how the custom officers would report me and put me in jail if I dont pay. The delivery person wont stop contacting me so I paid {$1500.00} through Chase XXXX. However, they kept on contacting me to pay other fees like I have to pay {$1000.00} to activate a bank account because they refuse to send money through my bank account and how they want {$10000.00} to be sent again. Which I did send {$1000.00} but not {$10000.00}. I had reported to the police officer and the XXXX XXXX XXXX. But Chase denied my dispute application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by mail with dispute/methods of verification letters asking them verify/validate a collection deb they say is accurate on my credit report with XXXX XXXX XXXX XXXX on XX/XX/2021. In return, they sent me a copy of my credit report with no documentation supporting their methods of verification of how this account is mine. Also, they sent an email stating this account is mine and accurate. Experian sent no contact information of who they spoke with at XXXX XXXX XXXX XXXX and did not give supporting contracts with this company. I am continuing to dispute XXXX XXXX XXXX and Experian because they both are continuing to report this account as open and accurate on my credit report without any justification and my legal rights to obtain all of their supporting documentation that legal indicate this account is mine.
Product: Debt collection

I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year>, I noticed that an account from Navy Federal Credit Union was being inaccurately reported on my credit report. The account shows a balance of {$6600.00}, a credit limit of {$6300.00}, and is marked as charged-off, with the last payment recorded on XX/XX/year>. However, the reporting contains inconsistencies, such as the balance exceeding the credit limit, and I was not provided sufficient validation of the debt. 

I have taken steps to dispute the accuracy of this account by reviewing my credit reports and requesting validation from the creditor. To date, I have not received the original documentation or proof of ownership to substantiate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus Transunion, XXXX  and XXXX. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Product: Checking or savings account

This is probably again the same issue that Ive noticed from Truist bank. That they do not give notification to their clients or customers about their account. I had a check given to me by XXXX XXXX Superior Court for a court case that I won that I cash. Through mobile deposit. There is no bank within my state for Truist is an XXXX XXXX Bank I am from the XXXX XXXX. I deposited the check not seeing the expiration date - four days after I saw that the check was returned. I called Truist and I reached out through social media and asked them if I could get a replica check since it was from the XXXX XXXX Superior Court. And that the check would be replaced since its in my name and from the court. They held my other accounts and told me to get the replacement check as fast as possible little did I know that they already decided to close my account and send the remainder balance to collections. They never solved anything for the claims that were closed or denied by mean not receiving notification and answering back to the claims and then I had contacted executive offices for XXXX XXXX superior court to contact truest bank for the timeframe of the check being issued, and not to hold me liable for lateness. I only have one letter from Truist about the check returned and the remainder balance. Ive reached out to Truist several times. Apparently from other complaints this happens quite often with them. Im now filing with the FDIC
Product: Debt collection

This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$830.00} yet PRA is reporting {$1400.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. I do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
Product: Student loan

student loan is not mines it was identify theft i never went to school and this loan have been on my credit report for XXXX and i have sent letters to them and ask to be removed and it have not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XX/XX/XXXX letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXXXXXX XXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

My father, XXXX XXXX, took out a mortgage on 5 properties for {$100000.00} on XX/XX/1976 from XXXXXXXX XXXX XXXX XXXX was purchased by XXXX XXXX  who was then purchased by PNC Bank. My father is now in a XXXX home and I am his XXXXXXXX XXXX XXXX. We are trying to sell 2 of the properties and their are leins still on the mortgage. The other 3 properties on this mortgage have been sold in the last 30 years with no problems. PNC has no record of this Mortgage in their system. I spoke to Representative XXXX in XXXX XXXX  and hired an attorney to file a letter for PNC to give us a letter of satisfaction on this mortgage. PNC stated they would remove the leins on XX/XX/XXXX and then decided against it on XX/XX/XXXX. They are now requiring me to do a full deed search at a cost of over {$1000.00}. Shouldn't the burden of proof lay with PNC? They have since ceased communication and I've been advised by my attorney to file a civil suit against them. Please advise me on how this can be resolved. 

XXXX XXXX
Product: Mortgage

Complain against Nation star mortgage. 
They are cruel and do not coopeate, I can pay, but they prefer to forclose the house, because I have equity in the house. So they do not accept my modification process.