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

Regions Bank is reporting a account I have asked for everything on this regions Bank account including my signature be provided to me under section XXXX I am entitled to this information or they must delete from my credit reports no information has been sent to me
Product: Debt collection

I have disputed the Collection from Diversified Collection agency w/ XXXX . XXXX has yet to provide me proof that the Collection agency has validated the debt to them. I called and spoke w/ Diversified Collection agency on Monday XX/XX/18 and was told they were waiting on the Original creditor ( XXXX ) to get back to them. I have been disputing this debt since XXXX. I was never told about this debt and Diversified collection agency has never notified me regarding the debt. THIS DEBT HAS NOT BEEN VALIDATED.
Product: Credit reporting or other personal consumer reports

I am filling this complain to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency , remove the inaccurate hard inquiries on my credit report that are the result of the identity theft within 4 business days of receiving this complaint. This fraudulent activities resulted the following hard inquires appear on my consumer credit report : XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR XX/XX/year> XXXX XXXX XXXX NA XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX I do not recognise these credit inquires, and I have asked Experian to remove them but they did not do so. I am providing an IDENTITY Theft Report attached to this complain form, to request you to remove them as these inquiries are inaccurate.
Product: Mortgage

Originally I got behind after my XXXX XXXX death and I caught the loan up around or about XXXX. In XXXX I asked for a loan modification. They sent me a loan modification packet, I filled it out and sent it in and they came back and said it was not complete, but as it turned out they did not send me a complete packet. I completed the packet and sent it to them on XX/XX/XXXX. We have the receipt for the fax but could not get it to download. I had XXXX on or about XX/XX/XXXX and told the law firm handling the foreclosure, they told me they would have to talk with M & T bank and get back with me, but they never did. Then they informed me that there was not enough time for the modification as they had scheduled the foreclosure sale for XX/XX/XXXX. I then asked for a payoff so that I could sell the house and not go thru foreclosure as I had a buyer and I had quite a bit of equity, however, they kept giving me to different people and never would give me a payoff until it was too late to close on my house deal and it went to the foreclosure sale. However, it was not purchased at the sale and I reached out again and told them I had a buyer and could close, but again they just kept sending me back and forth to different people and then said there was nothing they could do. A friend of mine actually called the head of mortgages at M & T Bank, but she would not help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EQUIFAX XXXX XXXX XXXX, GA XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90  days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified 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 not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EQUIFAX for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and does not belong to me. I need to be removed. Also nest as well. Thanks XXXX ( XXXX ) XX/XX/XXXX XXXX COMENITY CAPITAL ( CCB/MPRCC ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is SYNCB/Amazon and the other is XXXX XXXX. Neither Hard Inquiry was authorized by me.
Product: Vehicle loan or lease

BMO bank We have an RV loan and overpay on our payment every month. ALL of our payment goes to interest. Despite calling two separate times, sending a payment from my bank with principal only, sending a payment through their system with principal only in the memo, all of the payment goes to interest. When I called, I was initially told that overpaying would go toward the principal which doesnt happen. They will not take payment over the phone. The ONLY way to pay on principal is to send a check to an address thats not listed as a payment address and was told to me over the phone. Send a real check to an address thats not listed on your site? No thank you! How is it legal to not allow someone any other way to pay on principal? They have a website, app and phone number, NONE of which take payment for principal. This is predatory.
Product: Checking or savings account

On XX/XX/XXXX, 2 unauthorized transfers out of one of my Bank of America accounts occurred : total of {$7900.00}. 
One to = XXXX Transfer Conf # XXXX {$1900.00} The second to = online bank transfer Conf # XXXX = {$6000.00} I immediately informed BOA that I was hacked ; changed all my passwords and put in additional fraud protection. My BOA case number is : XXXX. 
They said they would do an investigation, and give me temporary credit 2 weeks after, They have since DENIED my wire transfer fraud, accusing me of giving my password to someone. 
I HAVE never given my BOA password to anyone. I have been a BOA customer for over 40 years, and currently am a Platinum customer. At the time of the wire fraud, where clearly someone hacked my account, I had approximately {$300000.00} in BOA ; different accounts. MY BOA local manager, XXXX MA. has called BOA and vouched for me. 
I work at home, and never take my computer on the road. My home has never been robbed. I am XXXX year old XXXX XXXX. Married 40 years. 
A BOA analyst, whom made this decision, called me last Thursday XX/XX/XXXX and accused me of giving out my password. She was very accusatory, aggressive and I feel PREJUDICED against me. I asked to speak to her supervisor, she would not let me. I explained I had been hacked clearly - and asked her what did BOA find out about the 2 felonious transfers? Whom did they go to? She would not give me any information. 
I feel BOA, instead of looking for the criminals - is trying to steal my {$7900.00}. 
Please help me get my money back. 
Thank you
Product: Checking or savings account

On XX/XX/XXXX, I cashed XXXX savings bonds at Huntington Bank. XXXX, the teller, gave me a printout of the redemption value of {$8700.00}. I requested the funds be deposited into my checking account. 

On XX/XX/XXXX, I checked my online bank checking account and noticed the correct amount was deposited, however, a deposit amount correction of {$410.00} was deducted from my account. I contacted the Huntington customer service and spoke to XXXX who could not explain why the amount of {$410.00} was deducted. He provided me with a reference number # XXXX and stated someone would call me back. 

Since I never heard from Huntington Bank, I called the customer service number again on XX/XX/XXXX and requested to speak to a supervisor, XXXX. XXXX stated there may be an issue with the scanning of one of the bonds. She was going to email XXXX at the bank and copy his manager to resolve. She also stated someone would call me back. 

Since I never heard from Huntington Bank, I went to the bank on XX/XX/XXXX and spoke to XXXX. XXXX stated he was going to resolve my issue and would call me back on XX/XX/XXXX. 

XXXX left me a message on my cell phone on XX/XX/XXXX stating he was going to process a credit and would backdate the credit back to XX/XX/XXXX. I looked at my online checking account and it appears there is a pending transaction. 

I will check my bank account balance on XX/XX/XXXX to see if I received the credit. 

Since I hope my issue has been resolved, I would like to know the following : 1 ) If the bank has a scanning issue with one of the savings bonds, why is this my problem?

2 ) How is a bank allowed to deduct money from my checking account for their mistake without first notifying me?

3 ) If I never checked my checking account online, would Huntington Bank ever have contacted me to explain why the amount was deducted? 

Thank you.
Product: Credit card or prepaid card

Wells Fargo denied my credit application citing a reason that contradicts their own guidelines. This seems to be a discriminatory action, as explained below.

My recent application for a Cash Wise Visa card was declined. Reasons given in the decision letter of XX/XX/2019 are " Ratio of credit bureau trades with a balance greater than zero '' and Number of revolving bankcards reported by credit bureau. 

According to the credit bureau cited in the letter ( XXXX  ),  my credit usage is 2 %, my credit score is XXXX out of XXXX, and the report has zero negative items. In other words, I am a responsible consumer with decades of excellent credit history. When I contacted Wells Fargo, they said my credit usage was too LOW to grant new credit. 

However, HIGH usage of credit is the frequently cited reason for denial, and all financial institutions advise customers to keep credit usage to a minimum. XXXX XXXX own website states Stay on top of how much youve borrowed against your available credit and aim to stay well below your credit limit. Keeping track of your spending will help you avoid using the entire credit limit, exceeding your credit limit, or missing payments. Keeping your credit utilization rate below 30 % may help you maximize your credit score.

The letter goes on to provide solutions, which constitute working with Wells Fargo to improve my credit rating over time and learn to use credit responsibly. Considering that my credit rating is already exceptional per the same letter ( XXXX out of XXXX ), these statements make no sense. 

Thus, the reason cited for denying my application directly contradicts Wells Fargos own policy. 

When I pointed out this discrepancy, phone customer service said it was the credit bureau 's decision. Clearly erroneous, as the letter states the reporting agency was not involved in the decision. 

Then I contacted the Wells Fargo XXXXxecutive office ( my email attached ). The agent who called me back said it was due to the possibility of me using up the huge amount of my available credit and defaulting on it. 

There is absolutely no evidence of such a possibility, since my credit history is spotless. Thus it seems that the adverse action against me was discriminatory, based on race and/or national origin. ( Such discrimination seems standard practice with Wells Fargo, considering the number of lending discrimination suits brought against them in recent years. )
Product: Checking or savings account

I have a cd with bank named POPULARXXXX  that has matured on XX/XX/2021 I want to close and transfer this cd to my external checking account bank will not close the CD producing all sorts of excuse. plEASE Kindly take necessary action. 

Name of the bank : POPULARXXXX BANK PHONE XXXX MY EMAIL : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act convergent the accounts 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only Equifax ) Acct # : XXXX XXXX ( charge off ) Acct # : XXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution
Product: Money transfer, virtual currency, or money service

My information was exposed on XXXX XXXX and I call got it dispersed and people getting cars house and insurance and life insurance in my name I didn't not do. My identity being stolen and I try to freeze my social security number but it's not happening and I'm Tied of people stealing my identity and money. So people are trying to XXXX me for my identity and money. So I'm asking for help again
Product: Payday loan, title loan, or personal loan

DignifiXXXX XXXX is misrepresenting there lines of credit stating that these line of credit are loans forcing hundreds of thousands of unknown or unconscious consumers into promised to pay bonds and charging interest on consumers own credit worthiness and misinforming them of their lines of credit according to XXXX XXXX and public law XXXX and bill exchange act of XXXX see request attachments.
Product: Credit card or prepaid card

I placed two orders with the clothing store New York & Company ( order dates XX/XX/, XX/XX/XXXX  ) using their New York & Company RunwayRewards Credit Card by Comenity Bank. I returned those orders within a day of receiving them but have yet to receive a refund. As shown in the provided XXXX  tracking numbers, NY & CO has received all returned items. Despite confirming receipt of all returned items, NY & CO has failed to provide a refund or an explanation of why a refund has not been issued in over 30 days. 

I started requesting a status of my refunds on XX/XX/. During a telephone conversation with NY & CO customer service, they indicated that a deduction of {$9.00} is applicable to my refund amounts. 

On Tuesday, XX/XX/, I contacted Comenity Bank ( Bread Financial ) to file a dispute regarding these transactions since the store failed to provide a refund after receiving the returned merchandise. Their representative refused to file a dispute for these transactions stating that I could not file a dispute because the merchant was known to me, and because I authorized the charges. She also stated that I would continue to incur finance charges against my balance. I explained to the representative that despite authorizing the charges, I was disputing those amounts because the merchant had received their merchandise and failed to provide a refund. This bank still refused to initiate disputes for these transactions. On XX/XX/, I received an interest charge on my statement for these purchases. At this point, this bank is making money off of purchases that should no longer be on my account, as well as refusing to file a dispute on my behalf. 

It seems unscrupulous for a financial institution to refuse to dispute transactions for valid reasons while also charging interest for said transactions.
Product: Credit reporting or other personal consumer reports

My name is spelled incorrectly and addresses does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had accounts open such as XXXX XXXX XXXX the amount of {$980.00} which I never moved into the apartments and XXXX XXXX account which had a breach in the company that was in the amount of {$670.00} and I also had 2 credit cards approved through them and I owe credit card debt in the amount of {$620.00} which really supposed to be in the amount of $ XXXX believe I was scammed in between XXXX and XXXX. I closed my account as of XX/XX/XXXX due to the knowledge I obtained and working on my credit through accurate companies annual credit report and my scores were different.
Product: Credit card or prepaid card

Issued a rebate from mass save through " XXXX  '' for {$40.00}, could not activate it on their website, their phone line actively ignores touch tone inputs. The website has some kind of broken XXXX policy but I'm not going to diagnose it for free. Card was mailed to me around XX/XX/XXXX. It says it'll expire by XX/XX/21 but the website kept rejecting that expiration. I think the electrical companies that back XXXX XXXX got scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called bbva and spoke to no less than 3 representatives about a credit card that they're reporting to the three credit bureaus. This credit card wasn't opened by me. For some reason they wasn't able to locate the card in their system. This card is reported opened on XX/XX/2014, with a {$20000.00} limit. Ironically it is in good standing but I did not open this card or have it in my possession. Please investigate. Thank you
Product: Checking or savings account

On XX/XX/2019, in my bank account in Chase, there was an unauthorized transaction of {$400.00} through XXXX. I called as soon as I saw the notification on my phone saying I had sent all my money that was in my bank account to a stranger. I filed a fraud claim to the Chase Fraud Department  and they said I would get my money back through a check. Weeks go by and I hear nothing. I call in to see what is happening, and they say that my claim was denied. They said they had no proof or evidence that it wasn't me. At this point I was really stressed and frustrated to see that their security had failed to recognize any type of evidence that it wasn't me, because I knew that I had never done such a transaction, who would send all the money in their bank account to someone they don't know? They said there was NOTHING I could do. How frustrating is that? I went to the police station, I filed a police report because clearly someone had my information and was gaining access to my bank account to even be able to do that transaction. With this, I was hoping for them to be able to re-open my claim and allow me to get my money back. I called and I told them that I filed a police report and if I was able to fight for the claim to re-open, they said no. That left me with nothing else I could do but to write a report here.
Product: Mortgage

I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!
Product: Debt collection

I obtained my credit report on XX/XX/2022, I notified inaccuracies on my report from the company National Credit Systems, I disputed the account and saw that this was a collection agency that purchased an incorrect debt. I reached out to the original party of whom this debt was sold to. I had to dispute the claims with the local court system constable, it was discovered that me nor the co applicant XXXX XXXX did not owe this debt and that it would be removed. This company has harassed XXXX XXXX with threatening phone calls and by falsely reporting information which has some significant damage. I have communicated with this company and have not receive any validation of debt, this has now been 3 months since the dispute.
Product: Credit reporting or other personal consumer reports

RE : Loan Number XXXX I contacted my mortgage lender, Mr Cooper, in the month of XXXX requesting that they remove the 1 time 30 day mortgage late listed on my credit report for XX/XX/2023. 

I had an automatic payment set up with Mr. Cooper for 2 different mortgages. Mr Cooper separated the mortgages and transferred the above referenced mortage for servicing with another Company ( XXXX XXXX XXXX ), and then Mr. Cooper cancelled my automatic payment. 

My payment apparently was to start at the new Company in XX/XX/2023. 



Here is my reason for this complaint : Since my new payment was supposed to start XX/XX/2023 with another company, XXXXXXXX XXXX, Mr Cooper or XXXX should not have reported the 30 day late payment. The 60 day grace period allowed by LAW after any mortgage transfer was not applied to my mortgage. I reached out to Mr. cooper and XXXX and they failed to rectify this matter caused by no fault on my part. 



Please contact Mr Cooper and request them to remove the 1 time 30 day late payment from all the credit bureaus on the above referenced Loan thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Procollect XXXX XXXX @ XXXX has not responded to my request to clarify what the XXXX is for! Ive been trying to resolve this issue for over a year and no response! I am now being told to contact XXXX XXXX at procollect through email which I have and again no response!! XXXX tired of this matter Im tired of the harassment from them to collect I followed their process and still no response! I want this removed from my credit reports all of them or they need to contact me with a resolution!!! They need to stop harsssing me Im a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX so either help me investigate procollect or remove this debt from my credit reports!!! Also these people are very rude and disrespectful every lady one of the reps!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX