23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was looking for a place to temporarily rent while I was studying for school. I had posted on XXXX about my inquiry and was responded to by a leasing agent. I went to go see the apartment and it was a good fit. I later sent in a deposit through XXXX on XX/XX/23 for {$1100.00} to XXXX XXXX XXXX Later I found out the person who had me send the money was not who they said they were and were not the owner of the home. I called my bank ( Wells Fargo ) to report the renters fraud and asked for a call about the status since I was not at my banking address. I had also reported to the police and provided my police report as well as the leasing documents to my bank. A week had passed and I had not heard anything back from my bank so I called and followed up. They informed me they canceled the claim and they sent a letter to inform me. I told the representative that I asked for a call or email as I was traveling to complete clinical rotations for grad school. I reopened a claim again and then the same thing happened, they closed the claim and sent a letter so I was unaware. I called again and again and was told it was told one time they could not reverse the payment because I sent the money and it was through XXXX not my bank. I also received no response from a help email sent to Wells Fargo. 

This happened months ago and today I heard a coworker on the phone talking to a banking representative for fraudulent payments. The representative was completely blowing her off and even said they forgot to submit her first report and later I asked if she had Wells Fargo and she responded yes. I told her good luck getting protection or your money back I was not helped at all and have even thought about leaving the bank from my experience. She told me she was reporting it to this site which I had no idea it was an option. Praying I can somehow still get help since this was a big payment for someone in graduate school and not making an income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed the entirety of my personal information as it regards to credit to become public knowledge. I did not authorize my information to be shared with anyone -- let alone the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I think, requires the elimination of any incorrect accounts from my credit report. Could you review the documents? There are some inaccuracies in the listed accounts regarding reporting, including incorrect amounts and dates.
Product: Credit card or prepaid card

On XX/XX/2021, I received a credit card from Bank of America. To my knowledge, there has been no activity. I was told to visit a local branch to rectify the situation, but there is no branch that is near me.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFBP, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

I have received several notices from Bayview Mortgage that my payment is delinquent and my loan is now in default. I have attempted to contact them on numerous occasions to rectify the matter but Bayview has been unresponsive. I have also sent them a certified letter trying to resolve the issue but they have not responded. 

My account is fully paid to date. I have sent them documentation of checks sent going back to XXXX 2018 and Ive never missed a payment. 

The accounting error is with Bayview and stems from their attempt to place forced insurance on the property. This increased my escrow amount substantially and so my regular monthly payments were recorded at deficient. I contacted XXXX XXXX of the Bayview insurance department by email who indicated to me that she has removed the forced placed insurance as I provided her with adequate documentation of other insurance. She instructed me to contact the escrow department asking for an escrow review which I did to no avail. 

I am continuing to received calls and letters from Bayview that they intend to foreclose on my property.
Product: Credit card or prepaid card

XXXX  customer services rep was unwilling to help me receive check for a credit balance in my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the letters I sent on XXXX and XXXX regarding the unknown inquiries on my record. Despite my previous correspondence, these inquiries have not been removed as of today. I kindly request your prompt attention to this matter and appreciate your assistance in resolving it. Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX trans union and XXXX I have complained to ftc and police this has been reported for past 5 years nothing
Product: Mortgage

My wife and I decided to try to refinance car loan with Truist. When they sent us the closing documents to review the numbers weren't as we had discussed with the loan officer so we decided not to go through with the refinance because it was saving us no money. They supposedly closed the loan. But that never happened! On XX/XX/XXXX I saw an automatic payment of {$4100.00} taken out of my truist checking account for the payment of the refinance loan. So they never closed out the refinance loan! So now we have the refinance loan and our regular loan on our credit report. We have tried numerous times to talk with truist to at least refund the {$4100.00} they stole from us but they still have not done that, and both loans remain open. This company has terrible customer service, terrible system of checks and balances, and should not be in business. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

I agreed to purchase the property located at XXXX XXXX XXXX, MO XXXX. However, the property was flooded, which resulted in extensive damages. During the repairs, asbestos material was discovered in the property, which resulted in extensive repairs - nearly {>= $1,000,000}. Before the repairs were completed, and the exact dollar amount for the repairs not known, I asked the sellers to extend the due diligence period so that we can further evaluate the property. The sellers refused any extension and stated they like to cancel instead, so that the deal was canceled within the due diligence period. I spent over {$6000.00} interest on the funds I was able to secure in order to purchase the property. The title company now refusing to return my earnest money. I want the earnest money returned with additional {$6000.00} for the interest expense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I, the consumer demand an updated and corrected account status on my credit from XXXX XXXX XXXX XXXX or complete removal of the account. By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed. Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements 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 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX did not communicate with me in doing such fraudulent violations.
Product: Debt collection

To Whom It May Concern, I never received a bill from you on and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt that you are inaccurately reporting without my consent to the credit reporting agencies. 
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wakefield & Associates for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 I applied for XXXX XXXX through credit karma. 
I was told my approval odds were outstanding. But when I applied, I was denied and my credit score went down at least XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY DATE XX/XX/XXXX XXXX credit bureau CREDITOR REGIONAL ACCEPTANCE CORP Account number XXXX CREDITOR bankruptcy XXXX XXXX According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH XXXX, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I called Experian on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to have incorrect/transposed legal names removed from my Experian credit report. The declined to remove stating they did a reinvestigation according to the 15 USC 1681. 
Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair of credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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

15 usc 1681 section 604 a section 2 its also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} USBK Court XXXX TEXA # XXXX USBK Court XXXX TEXA # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS COME TO MY ATTENTION THAT TO DISPUTE INQUIRIES ON MY CREDIT FILE I MUST CONTACT THE AGENCY THAT DID THE INQUIRY, REQUEST THEM TO SEND ME A LETTER TO REMOVE IT AND THEN FORWARD THAT LETTER TO YOU ALL AT TRANSUNION WELL I TRIED THAT. AND WELL NO SUSCESS BECAUSE I CAN NOT GET A HUMAN ON THE PHONE FOR THE LIFE OF ME. TRY IT YOURSELF CALL XXXX  AT THE NUMBER PROVIDED ON THE INQUIRY XXXX. YOU MUST HAVE AN ACCOUNT WITH THEM TO TALK TO ANYONE. THEREFOR IT IS IMPOSSIBE TO DO WHAT YOU ARE ASKING ME TO DO TO HAVE THE ACCOUNTS REMOVED. ACCORDING TO FCRA, ACCOUNTS THAT ARE FRAUD AND DEEMED AS FRAUD SHOULD BE REMOVED BECAUSE THEY ARE POSTED ON MY CREDIT FILE INNCORECTLY. AND ANY AND ALL INNACURATE INFORMATION SHOULD BE REMOVED. THEREFOR I AM REQUESTING ONCE AGAIN KINDLY TO HAVE THE ACCOUNT INQUIRIES REMOVED PERSUANT TO THE FCRA. I HAVE SUBMITTED A COMPLAINT, AND ALSO SENT YOU NOTICE OF FILING A LAWSUIT FOR THIS AS NOT ONE CREDIT AGENCY SEEMS TO DO ANYTHING CORRECTLY. NOT ONE. AND HONESTLY I HAVE BEEN GOING THREW THIS FOR YEARS NOW WITH THE XXXX  DATA BREACH, AND I AM DONE BEING PATIENT WAITING 30-45 FOR NO RESULTS. SO THIS IS MY LAST ATTEMPT also incorrect account balances on XXXX card .... it has a XXXX balance and they reporting over {$600.00}
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This company whom i have contacted repeatedly is doing hard inquires on my credit report.I have asked for them to be removed repeatedly. 
There is someone in Illinois where i lived 10 years ago sending in and applying for multiple credit cards. The above one is the only one who is not responding and keeps hitting my report. All other cc companies have removed inquires. 
thanks
Product: Debt collection

I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
Product: Debt collection

Last year I discovered a false account with XXXX now owned by XXXX XXXX XXXX on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Mortgage

I have information that states that Bank of America purchased my mortgage loan from XXXX XXXX XXXX XX/XX/2006. I have filed many complaints and send communications to Bank of America to get all the information regarding this transaction but I have never received any response with said information. All entities keep giving me the runaround which confirms my allegations that no one really knows who owns my mortgage and note and all my documents are fraudulent. I am attaching Debt Validation Letter, QWR, and documents showing Bank of America purchased this loan in hopes that I can finally get some answers. I WANT ANSWERS AND I WANT SOLID CERTIFICATED PROOF OF WHO OWNS MY LOAN.