23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Filed a previous Complaint to the CFPB Submitted to the CFPB on XX/XX/2023 XXXX Closed I received the information in regards to XXXX XXXX in their response is very clear the USBank needs to contact XXXX XXXX to start the process. I was to contact USBank directly and I had 4 deaths in my family last month leaving a Notarize letter to USBank so they could start the retract the payment process for help in recovering my funds in the amount of {$13000.00}. This has been horrible but I also want to point out where they keep talking about the Account holder at XXXXXXXX XXXX had previously contacted me when he discovered I was the person who by no harm intended put that money in his Bank Account. XXXX XXXX had called me got on a FDCP Record line with me and him on the phone I want to say that first call was on XX/XX/2023 with a Male Agent who I did first that it was XXXX XXXX he was speaking to. After the Agent verified the XXXXXXXX XXXX  Account was XXXX XXXX then gave permission to that Agent to speak with XXXX XXXX and I asked about the payment and the Agent stated the money was still at XXXX XXXXXXXX on a Bank Hold Freeze and then XXXX XXXX of course upset stated he didnt know me and had no clue why I be sending him {$13000.00} and reported it to XXXX XXXX as Fraud only to discover it was not and told the Agent to give the money back to XXXX XXXX because he was not taking the money and XXXX XXXX had Closed his bank account over this unfortunate situation. XXXX gave XXXXXXXX XXXX  the permission to speak with me and I spoke to Supervisors at XXXXXXXX XXXX without XXXX XXXX nod even the line stated the payment was still sitting at XXXXXXXX XXXX and I needed to get USBank to help assist me with retracing the payment. I went to USBank countless times and one time one Customer Service Rep XXXX went to go and get the paper work for me to fill out when the XXXX Manager stopped him and my point is USBank not one time even attempted to help assist me in retracting the payment process and I even spoke to a few Supervisors at USBank explained the difficulties I was having within the Bank and was told on several attempts to go to the same Bank tell them what they stated and it was one XXXX Female USBank Manager told me to go to The Police Department and the other XXXX Manager stated thats the Banks policy and procedure XXXX XXXX this was on the last conversation and she said well I guess you will just have to take us to Court. She made this statement to me on or about XX/XX/2023. Im also seeking damages in the amount of {$50000.00}. Calling me a scammer is what the XXXX Manager at USBank stated to me the last time I was in the USBank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX and I had a male witness practically every time I went to the USBank this stuff is so not funny and I have been emotionally drained and distressed over it taking medication because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up despite my previous XXXX attempts to resolve this matter, the unauthorized inquiries remain unaddressed.The presence of these unauthorized inquiries is negatively impacting my XXXX XXXX and financial standing. The prolonged delay in addressing this issue is unacceptable and has caused me significant stress and inconvenience. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the unauthorized inquiries and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will be forced to escalate my complaint to relevant regulatory authorities and explore legal options to protect my rights as a consumer. Kindly help me remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I request the immediate blocking and permanent removal of the following fraudulent accounts and unauthorized inquiries from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and Intent to Pursue Litigation I am writing to formally notify you that your failure to honor my complaint regarding identity theft, despite my submission of the Federal Trade Commission Identity Theft Affidavit, is in direct violation of federal law. Furthermore, your refusal to update my address to my current address, which is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX, is also a breach of your legal obligations. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This provision mandates that credit reporting agencies must block or delete fraudulent information in a consumers file once they receive an identity theft report, along with supporting documentation such as an Identity Theft Affidavit. 
Your failure to address and correct the fraudulent information I reported constitutes a violation of this section. 
XXXX. FCRA, XXXX XXXX. XXXX ( Reinvestigation of Disputed Information ) : You are required to conduct a reasonable investigation into any dispute of inaccurate information reported to your agency. By ignoring my legitimate complaint and affidavit, you have failed to meet this obligation. 
3. FCRA, 15 U.S.C. 1681b ( Permissible Purpose ) : Your continued failure to update my address as per my request creates additional harm by increasing the risk of inaccurate credit reporting and potential misuse of my personal information.

Request for Immediate Action I hereby demand that within 15 calendar days from the date of this letter : 1. You block or delete the fraudulent information as supported by the Identity Theft Affidavit. 
XXXX. You update my current address to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

Failure to comply with these lawful requests will leave me no choice but to pursue legal remedies to protect my rights, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation under the FCRA. Please be advised that violations of the FCRA can result in both statutory damages and punitive damages, as well as attorneys fees and other costs of litigation. 

Conclusion I trust that you will treat this matter with the urgency it deserves and correct the issues immediately. Please send written confirmation of the actions taken to the address listed above. 

If I do not receive a satisfactory response within the specified timeframe, I will proceed with further legal actions without further notice. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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: Mortgage

I bought my house 4 year ago. Initial appraisal of my house was at XXXX which how much I bought the house for. After down payment my initial loan was little over XXXX. In the past 4 years we have been making extra monthly principal payment so our current balance on our loan is little over XXXX. After completing some renovation and house prices going up in our neighborhood due to new constructions, current value of our house is almost XXXX which is way below XXXX % LTV. I have made multiple calls to my mortgage lender, which DITECH, including sending written request asking for removal of PMI as well as giving permission for appraisal to be completed. I have called my lender over 5 times and given different reasoning to why PMI can not be removed. Finally I received a letter from my lender saying that because we have FHA loan, PMI must stay in until it is scheduled to be removed which will be until 2018. After consulting with attorneys as well as my city appraisal as well as doing extensive research on PMI, our lender can not refuse to remove PMI if our LTV is below XXXX %. Our lender is not cooperative and refused to speak with me on this matter. I am only allowed to speak with customer services representative who keep giving me different information every time I call. At this point we have two options, either get mortgage attorney or refinance our loan. we need help and resolution on this matter at this time as all we want for PMI to be removed. 
P.S also at one point Ditech informed me that I have signed PMI agreement saying that I will not be able to remove PMI on LTV meaning if my house goes up in value or if we make extra principal payment. Well I asked them to mail me a copy of that document, and I never received anything. Because I never signed that
Product: Mortgage

I have been paying off my mortgage to XXXX XXXX ( XXXX ) the original provider in a regular, automatic fashion. From about the beginning of this year Bayview Loan Servicing have been sending me letters demanding that I pay the same mortgage to THEM. I sent them several letters explaining that their demands are senseless, but they would not listen. ( There was no authorization from mortgage provider to switch. ) They are threatening with foreclosure. They ruined my credit rating and prevented me getting a loan. 
In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to them. 
For some reason they are pretending not to receive those, even though XX/XX/XXXX and XX/XX/XXXX have been marked in my XXXX account as PAID. 
I am enclosing one of the typical letters. 
The person just designated to look after my account is XXXX XXXX, tel XXXX XXXX XXXX, email : XXXX They keep acting as if had no money to pay. This is not the case, I simply don't want to pay fwice.
Product: Checking or savings account

On Thursday, XX/XX/2019 I deposited about {$800.00} cash & check into an ATM for my bank ( Key Bank ) at around XXXX XXXX. I understand that it normally takes some time for deposits to go through. Over the weekend I made 4 purchases using my paypal which is linked to my checking account understanding that the charge would take place after my money was added to my checking account. On XX/XX/XXXX I reviewed my account to see that on the XX/XX/XXXX all of the transactions went through at XXXX, including the deposit, however Key Bank decided to process the withdrawals before the deposit ( even though they all released at the same time ) and charged me 4 overdraft fees, one for  each individual purchase, at {$37.00} each for a total of {$140.00}. They then applied my deposit and subtracted the {$140.00}. 

I went in to dispute this on XX/XX/XXXX and I was told that's just the way it's going to be but that they could reverse one of those overdraft charges. This was through a teller at the front, and even though she offered for me to speak with the manager, the manager refused to see me. I feel like it was unfair for them to process the charges before the deposit so they could charge me an exorbitant overdraft fee despite the fact that all the transactions went through at the same time, and that I should have been able to get all 4 overdraft fees reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 INQUIRY NAME : XXXX  INQUIRY DATE : XX/XX/2023 2 INQUIRY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 3 INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 - [ ] 15 U.S.C 1691 602 A. States i have the right to privacy.

- [ ] 15 U.S.C 1681 section 604 A section 2 : - [ ] It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I need transfer money from PayPal account to my XXXX XXXX  checking account. 
Was happen once and was working fine. ( XXXX ) after this bank was removed from my account ( by Paypal ) and since this time I can't link this bank again and transfer my money. Paypal support is terrible I can't call because system end call before anybody answer the call and say sorry ... 
Support by email is not working they ignore my messages and never fix anything. 
Last Friday XXXX XXXX ) I spoke with real person ( they call me ) I was tell I need to wait XXXX before I can add my bank and transfer my money. Nothing works, is still not working and I'm back to binging. They hold my money and look like they want benefit from this or something. PayPal service and support is the worse I aver experience in my life. Nobody do anything is just empty promises and text exchange. I use this account for XXXX sell and is shame XXXX is involve in this terrible service, where they keep my money long as they want and nobody can do anything and check how many people have the same problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX who was a customer about credit card from the company to be sub-coordinators of XXXX before. In my past, XXXX XXXX XXXXXXXX used to close my bank A/C in XXXX, 2019 wthout letting me know in advance and before that, they issued credit cards for me to use them that I spent it wisely almost 2 years. That meaned I always paid it on time that never delayed with the credit card company. You all can inspect it in my history thoroughly and I wasn't the person who closed XXXX by myself so that I would avoid payment for credit card {$1300.00} but the main cause was from XXXX ; not me. When the company was unable to follow up me, they got XXXX to reimburse the company instead of me first in this time that I thought it's very fair for credit company. I learned it from emails that were sent me continually. 

Anyhow, you all should have to remove my damaged record or spoilt history about me from the consumer reporting agency urgently because before that I had big deal to spend it with huge amount to do urgent matter about financial life to complete before I can clear and pay off XXXX in the near future. Please help me as my request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up on the Transunion application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXL XXXX XXXX Please remove this fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX Bank pulled my and my wife 's ChexSystems scores and used them to decline our new checking account with XXXX, and to restrict and close our new investments account with them. Per XXXX XXXX 's declination letters dated XX/XX/XXXX, ChexSystems scores for me and my wife were 102 and 103, respectively, on XX/XX/XXXX. See scans of our XXXX declination letters attached. 

On XX/XX/XXXX, I and my wife both requested our ChexSystems scores directly from ChexSystems. Today, we have received our mailed scores from ChexSystems, showing that as of XX/XX/XXXX, my and my wife 's ChexSystems scores were XXXX and XXXX, respectively. See scans of our ChexSystems score letters attached. 

From the above and attached, it is obvious that XXXX XXXX had received incorrect ChexSystems scores for me and my wife, and had consequently used them to decline our checking account application in error. A clear error exists in ChexSystems score reporting when : 1 ) my ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to me on XX/XX/XXXX as XXXX ; 2 ) my wife 's ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to my wife on XX/XX/XXXX as XXXX.