23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is submitted on behalf of the borrower by her advocate. It appears that Bank of America ( BofA ) may have failed to comply with the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act ( RESPA ) and Californias Homeowners Bill of Rights ( HBOR ). 

Said advocate submitted a written Information Request on XX/XX/XXXX. BofA did not acknowledge receipt in writing to the advocate or the borrower. The advocate called BofA on XX/XX/XXXX. A BofA representative explained that the request was denied because the Third Party Authorization forms signature didn't match their records. Please note, that the advocate had been speaking to BofAs management team regarding this borrower since XX/XX/XXXX ; upon approval of a one-year authorization executed on XX/XX/XXXX. 

It is the advocates understanding that BofA shall comply with RESPA if the written information request included the borrowers name and information to identify the account. It is also her understanding that if BofA decided to deny the request, they were required to notify the borrower in writing within five days. Yet, BofA dismissed the entire request without advising the advocate or the borrower, as notated above. 

The advocate conferenced in the borrower during the XX/XX/XXXX. The borrower verbally re-authorized the advocate. Per BofAs representative, the authorization would be valid until XXXX. He then advised that the XX/XX/XXXX request would be re-reviewed. The advocate called BofA on XX/XX/XXXX. She was transferred to three different representatives. The first representative claimed she was not authorized but transferred her to escalate. The second representative claimed she was authorized but transferred her to check the request status with someone else. The third representative claimed she was not authorized, so she should resubmit everything. The Single Point of Contact has never been available, as noted on the correspondence between the advocate and BofAs management, which appears to violate HBOR. 

The advocate submitted a Qualified Written Request on XX/XX/XXXX via U.S. Certified Mail. She submitted it to three different addresses, since BofA does not have a single address listed on their website, which may be another violation of RESPA. The advocate had one address from the time the Information Request was submitted but called BofA to confirm if it changed. The advocate was provided a different address, which explains the multiple addresses listed.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors : 1 ) XXXX XXXXXXXX Bancruptcy DISMISSED THIS is an error and Lao. Violation of my consumer rights. I have documentation stating this has been dismissed and should not be reporting on my credit report. 

15 US Code 1692g-Validation of debts, states if after any reinvestigation of any form of dispute by a consumer, and item is found to be incorrect or inaccurate, the reporting agency shall DELETE THAT ITEM OF INFORMATION FROM THE FILE. Kindly DELETE the outdated bankruptcy chapters and Cole tions from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Mortgage

Mortgagor, XXXX XXXX NEW REZ Loan Number XXXX The XXXX mtg statement includes a {$3600.00} in legal fee charges that were already paid when I stopped the Notice of Default and foreclosure proceedings, when I brought my loan current after falling behind on my payments. My account was re-instated and brought current with XXXX, mortgage company at that time. On Thursday the XXXX, it was confirmed by a New Rez customer service agent, the aforementioned charge is due to unpaid legal fees. I find it suspicious that XXXX, in any form or way, failed to informed me of the aforementioned, specially when any fees relating to the default were were paid in full. Is this legal? It is my understanding that I paid all monies owed to XXXX in order to bring my account current. To date, payments have been made on time and there should be no reason to have additional legal fees being charged, when everything was paid in 2018. Why are these fees appearing now? Why would XXXX withhold these fees until the loan was transferred to NEW REZ? I find such actions suspicious and merit an investigation by the bank, on the legality of the charges. I refuse to make these payments. The following documents are attached herein : 1 ) copy of the payoff statement 2 ) mortgage statement. 

Please have a XXXX  speaking agent contact me if additional information is needed. Or you can reach me via email Mr. XXXX can be reached at XXXX XXXX XXXX
Product: Checking or savings account

I purchased a money order from XXXX on XX/XX/XXXX, 1 for {$650.00} and another for XXXX. I decided to not use the money orders and wanted the cash back I asked XXXX could I return them and was told I can't return them, I contacted a check cashing place and asked could I cash them there and I was told no, I have to deposit them in my account. I deposited the money orders in my account on XX/XX/XXXX. Bank of America claims that they couldn't read the {$650.00} money order and that XXXX XXXX wouldn't release the funds on the money order so they are returning it to me and recommended that I get it reissued from XXXX. XXXX said they can't reissue it. The XXXX money order they are holding until XX/XX/XXXX and could possibly decide to return that as well. If you can't get the funds from XXXX XXXX for XXXX how can you get the funds for the XXXX money order. It is just a lie, I contacted XXXX XXXX and they said that they have the funds and it is available to release to the bank. However they can't wire transfer it me directly. They wire money all over the world but can't send me my money. I paid cash for the money orders and I have my receipt. XXXX XXXXXXXX said they could cancel the money orders and charge me a fee, another fee to reissue a check, and another fee to mail it to me or overnight it. I told Bank of America I better not charge me any fees because of this. I wake up this morning to a returned item fee, I called them and demanded a refund, the rep I spoke to asked me, " Are you experiencing a life change that would prevent the funds from being available. '' what in the world does that have to do with my fee? She ultimately said she couldn't return the fee. What happened to customer service and helping the customer? XXXX XXXX asks me did I white out, scratch or damaged the information on the money order, I said absolutely not. So now I am being accused of fraud and manipulation. How can this be possible? How did I become the criminal here, if anything I am the victim of lies and being mistreated as a paying customer by using all of these businesses for a service. This situation is a complete nightmare. I have been nothing but stressed out mentally, physically and financially from this ordeal and I see no sign of a resolution from any of these companies. I can't just take a XXXX loss.
Product: Credit reporting or other personal consumer reports

in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call XXXX and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at XXXX  XXXX and I write a check- XXXX denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write one for a smaller amount- and still denied. So I submitted another dispute. On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED ONE SINGLE CHECK Ive attempted to write since XX/XX/XXXX. two and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.
Product: Mortgage

An advertisement from the wholesale lender, Loan House, based in Florida appears to offer a referral fee to brokers while advertising " NO YSP Disclosure / NO Failing QM. '' As a mortgage compliance professional, this type of arrangement looks like payment for referral and a classic violation of RESPA, section 8. I am submitting this complaint as a concerned member of the mortgage lending community.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that I did not initiate along with an account I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I Will also be seeking compensation for the damages caused to me.

Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE, AND UNVERIFIED. ALL OF THE ACCOUNTS LISTED HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUS DATE AND THE PAYMENT HISTORY IS INACCURATE BETWEEN, XXXX, TRANSUNUION, AND XXXX. THIS IS A VIOLATION OF THE FCRA AND THESE ITEMS ARE TO BE DELETED IMMEDIATEY FROM MY CONSUMER REPORT. DELETE THESE ACCOUNTS : ( XXXX ) ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX ) XXXX XXXX  ) ( XXXX BANK ) ( XXXX XXXX, XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THIS IS INACCURATE & A VIOLATION OF THE FCRA. THE ACCOUNTS REPORTING MUST BE CORRECTED AND UPDATED TO " PAID ON TIME, NEVER LATE, PAID AS AGREED IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT. ''
Product: Credit reporting or other personal consumer reports

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Product: Debt collection

american express keeps calling from like XXXX and claiming to send police to my house to take me to jail was very vulgar language to address i owe this company more money than i even could pay for. or even could get credit for.
Product: Credit reporting or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I tried to purchase a product through Affirm which I already had an account since XXXX - XXXX, I was sent an email it was identity issue [ see attached ] the customer service agent inform me that the escalation department would contact me by 24 - 72 hours up to this date they never contacted me XX/XX/XXXX. 

I tried to purchase through affirm and the letter I received they can't verify my indenity again as a current customer. I called again on XX/XX/XXXX and spoke with XXXX XXXX, affirm supervisor she told me that the concern is going to a 'revelant department '' back office and case ID # XXXX. She told I was not denied. She told me that the call was recorded and I told her I am recording for my records as well. I believe I am being discriminated against due to my XXXX. She told me I was not denied. 

Since my last purchase and fully paid off : I tried to make a purchase with affirm XX/XX/XXXX turn down due to credit freeze report which been unfrozen still no ability to purchase Then XX/XX/XXXX credit freeze XX/XX/XXXX credit freeze XX/XX/XXXX then ID verification I called customer service and could not get a straight answer.

Attached Affirm letters ID Verification My purchases that is all paid off timely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Product: Credit reporting or other personal consumer reports

They had a date breach and my In formation was sold. I still have the letter from them. Yet they will not remove those student loans have done disputes, a credit freeze, sent letters, etc. Still those student loans are still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXXXXXX accounXXXX XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

I have identified unauthorized accounts on my credit report that may have been added without my consent, potentially due to identity theft. Please remove these fraudulent entries immediately.
Product: Debt collection

Creditors collection service has a garnishment fromXXXX yrs ago. And they will not give me any info on what it was for. A {$440.00} debt apparently that i never had. And now they want {$2300.00}. From my wages. They don't know what it was for nor will they tell me if they bought the debt from a previous debt collector that is no longer in business. Waiting XXXX yes so I don't have any files, Or proof. And charging me intrest for that whole time
Product: Checking or savings account

This started XX/XX/2023. I deposited money and every single time I deposited money, Its a company called XXXX that takes that money right back out like MINUTES after I deposit money. I tried to reach out to this XXXX people but the phone number was not a working number. I could never get ahold of anybody. It seems that these transactions were made out of the country. I am located in the United States. It seems very shady as if Chime has something to do with my money missing. It is over {$1000.00} worth. I need my money back now. If not, I will be filing arbitration. My money should not be going missing minutes after I deposit. Please refund my money now. Claim ID : XXXX
Product: Checking or savings account

I got an email from Synchrony Bank that a trial a account was successfully set up.

I called the bank and they admitted. I informed them that I did not open any account with them.

After 12 hours, they sent me an email that they was a problem with their system and that I should disregard the opened account. They confirmed my information was not breached. Ive the emails to confirm this.

But because banks lie all the time, I want to make sure my information was not compromised.

Thanks.
Product: Mortgage

I applied for a mortgage with Mortgage Lenders of America to purchase a house. I had original worked with XXXX XXXX, XXXX # XXXX ( Applied XX/XX/18 ) who then resigned and then had XXXX XXXX, XXXX # XXXX take over the process ( XX/XX/18 ). 

Ms XXXX on XX/XX/18 sent me an email telling me that I am not allowed to shop around for another loan. I called and filed a complaint with her manger XXXX XXXX XXXX XXXX XXXX she was reprimanded but then continued with her unprofessional behavior. She sent a retaliatory email the next day and again today ( telling I am wasting her time ).