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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the XXXX  data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Debt collection

Called to collect a debt that was not backed up with details on how I owed the debt. I have not seen any evidence that I owe this debt. When asked to send me a copy of the forms I signed, or treatment details to my address on file, I have yet to receive anything.
Product: Mortgage

Federal Law gives me the right to notify DEUTSCHE BANK of errors regarding the servicing of my loans which resulted in the foreclosure of my property. I previously filed a complaint : CFPB # XXXX which is still open. Deutsche Bank has stated they had nothing to do with this loan, and that XXXX is at fault not them. XXXX has hired lawyers and we are in contact with them. They do not represent Deutsche Bank. Deutsche Bank has been " unthruthful '' to both the CFPB and XXXX XXXX. Find attached the recordings made at the recorders office in XXXX, California showing their involment in this FRAUD. I am requesting full accounting regarding this loan and requesting CFPB take a look at all prior letters from Deutsche Bank for more violations.
Product: Checking or savings account

All right on XX/XX/2024 my account was closed without my consent, without notice, and no explanation. I had called Wells Fargo customer service. They were not helpful. They forwarded me to another department that was supposedly the highest Department in the company in hopes that they could give me some kind of explanation as to why they were closing my account and when I was to receive my money. I spent an hour on the phone and did not get any kind of Reason explanation or help. All I wanted was my money and they could not provide me with any reason as to why they would not give it to me. The customer service representative also hung up the phone on me when she was getting frustrated with me because I kept asking her how do I access my money and was met with silence.
Product: Debt collection

I have never received notice or any paperwork concerning this debt. I have personally contacted the company to dispute this debt. I have also submitted disputes with all my credit report agencies and have been successful at getting it removed with XXXX so far. The debt continues to be reported on my credit falsely.
Product: Debt collection

Citi Bank contacted a relative of mine and told them that I owed exact amount of money and that I should pay it before XXXX or else the amount will greatly increase
Product: Credit reporting or other personal consumer reports

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Product: Debt collection

Overdraft fee with XXXX XXXX XXXX XXXX was contested and evidence/proof given to XXXX   showing that the overdraft was not founded. 

A debt collection agency contacted me about the amount owed. I offered to pay the balance minus the unfounded overdraft fee and was denied, with the threat that the balance would remain, with a credit damaging result.
Product: Mortgage

We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I learned I was the victim of identity theft. Upon reviewing my Experian credit report I discovered numerous errors and accounts resulting from the identity theft. I sent an initial dispute letter dated XX/XX/XXXX notifying Experian of the errors and requested that the information be corrected. In that letter I requested, should they refuse to delete an item, that under federal and state law that they provide me a copy of evidence in support of their findings. I also advised them of my rights as a victim of identity theft and submitted all required documents per statutes. 

I monitored the report for the next several months while Experian investigated the issue. 

In XX/XX/XXXX I reviewed a new copy of my Experian credit report. I found that it still contained two errors. I sent a letter to Experian dated XX/XX/XXXX, a copy of which is attached. In that letter I demand that Experian correct these errors. I submitted documentary evidence clearly showing that the information is incorrect. I also requested that in accordance with federal and state laws that Experian provide me with records pertaining to this account and information on how they verified the information. 

On XX/XX/XXXX I received a generic response indicating that the " company that reported the information has certified to Experian that the information is accurate. '' However, I did not receive any of the documents or proof or an explanation of the procedure for how and who verified this information. 

Experian refuses to correct the inaccurate information they are reporting about me. Further, Experian refuses to follow federal and state guidelines that require them to correct incorrect information, taken certain steps for victims of ID theft, and to provide records pertaining to a " description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonable available the telephone number '' upon my request. 

As of the date of this complaint Experian has failed to either correct the information or provide a description for how they " certified '' the information.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITALONE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016 and XX/XX/2016 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my TransUnion and XXXX credit reports on XXXX XXXX when I realized that I had 2 hard inquiries on my TransUnion credit report. One of the hard inquiries that is on my credit report ( XXXX/XXXX Inquiry XX/XX/2017 ) should not be on there and I have no idea what it is in regards to or about. It was not me. I have enough negative things on my credit report and would like to have good credit one day. I am sending the company 's name and address below that has given my name a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2024 {$910.00} was taken out of my account by a fraudulent company named XXXX XXXX. Within seconds of noticing the amount being taken out of my account, I contacted Chime to let them know of the issue. I was told by XXXX different agents on the XXXX and the XXXX that my money would be put back on to my card with no issue, and I even instructed to be sent a new card. On XX/XX/XXXX, I checked my account and the {$910.00} was taken out of my account. I contacted Chime where I was told that I had to file a dispute. I filed the dispute and provided evidence from my conversations with the previous agents, as well as evidence of XXXX XXXX  being a fraudulent company. I received an email stating that my dispute was denied. I called back into Chime to get an explanation, I was told that I could reopen the dispute. The dispute was reopened, and not even XXXX minutes after I received another denial email. I once again called back into Chime, and was told that I could reopen the dispute again. I allowed the agent to reopen the dispute, and was then told that a link would be sent to me via email to submit supporting documents. I told the agent that I did that in the initial dispute, and did not understand why my dispute was denied with the evidence. I also stated the conversation that I had with the previous agents. The current agent apologized and stated that he was unsure why they gave me incorrect information. I told him that I felt as if they were not really investigating my dispute, especially with the evidence that I had attached. He stated that the company would be contacted, which I told him there was no way for them to contact the business that I had tried over the course of 3 days. The phone number for the company is a XXXX number, where you are unable to speak to anyone. On the website you can talk to a virtual agent, but after being verified and stating that you would like a refund the chat shows that there is a " technical issue ''.
Product: Checking or savings account

In XX/XX/2020, I noticed that there were several withdrawals from my banking account that were for XXXX XXXX. The total amount of the charges was just under {$700.00}. In fact, I looked because I had been alerted by Regions Bank that there was unusual activity on my card, causing me to check into this. The charges that totaled {$700.00} were well within 60 days of me calling the bank and reporting these fraudulent charges. 

As I continued to look through my account, I saw where there were fraudulent charges to XXXX XXXX starting in XX/XX/2020. I did not anticipate being reimbursed for the charges outside of 60 days of my reporting, but I reported them nonetheless. 

I was reimbursed by Regions for the charges that had taken place 8 and 9 months previously, but Regions refused to reimburse me for charges that had taken place within 60 days. 

The ones I was reimbursed for were months ago, were for the exact same thing that was being charged to my card for all the other fraudulent charges, and it was Regions who alerted me to fraudulent activity. Yet, Regions Bank refused to reimburse me. I have banked with Regions Bank for 26 years. I have a mortgage with Regions. 

I requested this be looked into. I emailed and received vague responses. I called and was put on hold and ultimately disconnected. I called my local branch in XXXX, Mississippi and after a month and multiple phone calls that went unanswered was once again given vague responses. I was put on hold to speak with a manager and was disconnected. When the woman called me back, she put me on hold again where I sat and no one got on the phone. 

I will be closing my account with Regions. I will pay off my mortgage and never do business there again. I will tell my mother and all other family members to never bank with Regions.
Product: Debt collection

Portfolio Recovery is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Portfolio Receovery to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Credit reporting or other personal consumer reports

Inquiries-Per 15 US Code 1681b-Permissible purposes of consumer reports Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX 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 one 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 CREDIT BUREAU 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

On XX/XX/2021 I sent 10 pages of confidential and highly personal information to USAA Federal Savings Bank via Certified USPS Priority Mail as per their forms/contact address to establish Power of Attorney for my 5 banking/insurance accounts with USAA FSB. On Friday XX/XX/2021 @ XXXX I received an email from XXXX XXXX, USAA XXXX Fulfillment Specialist writing to state my POA request could not be completed or established because of missing pages. ( The mailed documents included 6 pages of very personal info per USAA form and 4 page copy of my legal Will- notarized by my attorney on mailing date XX/XX/2021 ). The email from Ms XXXX contained no information on what pages or documents were missing, nor how or when they went missing. I was advised to go to online account and submit forms or call the main bank number for assistance. The online forms were the same documents mailed! There were no communications in my bank account inbox regarding the events. 
To date, Ive sent 4 emails, made 4 phone calls - one answered- and after more than 8 minutes the CS rep ( XXXX is? ) advised my call had to be transferred to a Banking Specialist. After waiting on hold another 15 minutes, I was disconnected. Subsequently I contacted USAA via the online chat. ( This chat is saved ) ; after 22 minute chat, rep again could only advise a phone call to a Banking Specialist. I am unable to discover what personal and confidential information is missing or other breech of privacy events may have occurred from USAA and their representatives.
Product: Mortgage

My name is XXXX XXXX XXXX .I have been a loyal payer of my mortgage for the last nine years.I have requested help for the last six years and they did nothing cause I always paid them.XX/XX/2015 I told them I will no longer pay them until they do something to help, now they are foreclosing on me.I had perfect credit, they have ruined it.They now are telling me I only qualify for a short sale or deed in lieu.Why are they allowed to do this? ( XXXX ) XXXX, please help me, interest rate isXXXX.XXXX, other mort rate isXXXX.XXXX both are interest only.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my prior and multiple communications, these items have not been removed.
Product: Checking or savings account

So as one does, I e-filed my taxes at the beginning of XXXX, the date it was recieved into my savings account was XX/XX/XXXX for the amount of XXXX by chase, the very next day the account was closed without any noticed and all the funds were withdrawn from my bank. I then proceeded to call the bank 3 times and all the times said the money had been sent back to the IRS. However, calling the IRS 3 times I get the response that it had been accepted by my bank XX/XX/XXXX, it has been 3 weeks and I have not received a letter or notification on where my income tax return is. There was no notice of my savings account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to velocity investments , llc. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a hard pull on my Credit report by Bank of America dated XX/XX/2023. 

I never authorized such hard pull to Bank of America, or any products affiliated with them. I am not a Bank of America customer nor was I soliciting any of their products or products affiliated with them. 

I have done extensive research to see what could have caused the hard pull, but all I can conclude is that this was not me, I never authorized this credit check. It was either an error or it was the result of fraud/identity theft. 

I have sent a written letter to both Bank of America and the credit reporting agencies a few weeks ago but have yet to hear back. 

I would like to speak with someone in Bank of America who can provide more context and ideally, acknowledge the mistake and have the hard pull removed from my credit report.