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

I deposited my student financial aid check into my Bank of America checking account, at the branch located XXXX XXXX XXXX, XXXX, IL XXXX, on XX/XX/2020. Before depositing my student financial aid check, I asked the bank teller how long will it take my check to clear, as I am a current XXXX XXXX  Customer also, and I can not wait, or have a hole placed on my student aid check. I continued informing the bank teller, I am travelling out of the country and need immediate access to my funds. I also expressed, if my funds will not be made available to me immediately ( within 1-3 days ) by Bank of America, I will deposit my funds into my XXXX Banking Account. The bank teller at Bank of America informed me, that my funds will be available the next day, XX/XX/2020. Later that afternoon, I received an email from Bank of America stating, they were placing a hold on my student financial aid check, and the hold will be released XX/XX/2020, which is a ten day hold, from the date of my deposit. I immediately went into the same Bank of America Branch, explain the situation. I explained how placing a hold, on the whole amount of my deposited funds, violates the Federal Expedited Funds Act, and the Check Clearing for the 21 Century Act. I again explained to the Bank manager at that branch location that, I am traveling out of the country and needed my funds made available to me to purchase my plane tickets. To my dissatisfaction, no one at the Branch office would help me rectify this situation. I also called the Bank of America customer care line, and received the same treatment, as I did at the Branch location, no one would assist me in correcting this issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of fraudulent activity on my credit report that I did not authorize. The following inquiries need to be removed : Equifax Mortgage Solut : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called Freedom Mortgage Company several times and asked them to please correct the reporting status on my credit report and each time Im told it will be taken care of. It has not been done and has resulted in several of my credit cards having the limits lowered and 2 of them closing my accounts because if false reporting status. I am in touch with my attorney about filing a lawsuit against this company for defamation of character. This has had a huge impact on my credit and they dont seem to care. This is very unethical practices for a mortgage company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$250000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020 I entered into a consumer credit Transaction with XXXX. They Then Illegally reached out to EXPERIAN to access my personal information and left an Inquiry on my consumer report. I was never provided my Disclosure to OPT out of my personal information being shared, and my credit score has dropped because of reporting between XXXX and EXPERIAN who is a third party in this Transaction. My credit score has dropped and has caused me mental stress and am now unable to obtain a Home due to my score dropping. Me and my family now have to look for a primary dwelling since XXXX and EXPERIAN have damaged my reputation. This has cause me and my children a great amount of stress and worry. Federal law States EXPERIAN may not report my nonpublic personal information as stated in 15 USC 6802, and any information regarding my relationship with AFFIRM, be deleted permanently from my EXPERIAN consumer report.
Product: Mortgage

My name is XXXX XXXX. I have a Mortgage with Quicken Loans / Rocket Mortgage that was the subject of a Re-finance more than 3 years ago. Under the terms of the mortgage, I have the right to make " Pre-Payments " of the Principal Loan Amount at least once per year and have my loan " Re-Amortized " and the monthly payment " Recast " to reflect the new Outstanding Loan Balance at the contractual rate. I recently phone my lender and informed a customer service specialist in loan servicing that I intended to make a " Principal Pre-Payment " and wanted to know the best time of the month to send in the payment so that all the attendant paperwork could be completed and my monthly Payment Recast by the following month. This agent proceeded to tell me that the process typically takes at least 3 months to complete ( which I know is XXXX because I have done it before with another lender ). I was not born yesterday, and am aware that the lender can earn " Float Interest " with the Federal Reserve while this process is being drawn out. I also attended law school many years ago and have enough legal sense to know that it is a fairly simple process from the standpoint of legal paper processing. After all nothing is changing about the property or the borrower that are the subject of the loan agreement. I feel like a simple letter or a phone call from one of your agents to this lender should be sufficient to let them know that they are being monitored and will not be allowed to get away with dragging their heels in this process. My contact information is as follows -- XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. My phone contact is XXXX. Thanks in advance for your assistance with this vexatious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint against Experian because they failed to take out incorrect information on my credit report. You told them to to investigate. They said they did and found the information provided by collection agency is correct. However the information I received from collection agency is of different person. I contacted Experian to send me a copy of the information they got they refused. Now I am requesting that you review the information yourself and make a decision.
Product: Payday loan, title loan, or personal loan

I obtained a small personal loan through Opp Loans online, and the process was questionable. They required the log in information for my bank, and after the loan was " approved '' and I changed my password, they required additional information, which included access to my bank accounts again. 

After making about 10 payments or so, I had some financial difficulty around XX/XX/2020, as many others. I emailed and called, spoke to " XXXX '' and she said she would waive interest and any fees, and push my next payment out to XX/XX/2020 with their " Borrower Assistance Program ''. 

On XX/XX/2020, I used online bill pay through my bank to send a check to Opp Loans for {$300.00}, more than 2x the amount of my previously scheduled payments. I did this early so they would receive it before XX/XX/XXXX. They never posted the payment to my account. It was received by them ( and stamped ) on XX/XX/2020, and cashed/cleared my account XX/XX/2020. I have emailed many times, and called, and they insist that I never paid. In addition, they charged interest an additional fees to my account, going against the arrangements made under their " Borrower Assistance Program ''. 

Today is XX/XX/2020. When I called Opp Loans and spoke to one of their reps, he claimed that he did not receive my email which had 2 screenshots showing the {$300.00} was taken from my account, and claimed that the payment was never received. When I told him I would go to the police department to file a report for fraud, he got angry, kept cutting me off while I spoke, and yelled that he could transfer me to the payments department. Someone at Opp Loans has my payment. They already ripped me off with a 160 % APR, so I am repaying almost double the loan amount. Even when I provided the reference # and check # from the bank, they ignored my emails. Two hours after mentioning that I would file a police report, Opp Loans reported false information to XXXX  about my current balance in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I was charged XXXX dollars a month totaling XXXX XXXXXXXX XXXX XXXX XXXX for not having a XXXX XXXX dollar monthly balance in the personal and business accounts due to me not being able to work after an automobile accident
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 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge inquiries on my credit report for which I do not recognize. Pursuant FCRA XXXX I am demanding they are removed XXXX XXXX XX/XX/2020 XXXX. XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Checking or savings account

We bank at First Horizon bank, previously Iberiabank. 
We mailed a check # XXXX to our pest control company for {$110.00} The check cleared written to an unknown individual for {$8800.00} Called bank immediately, advised the issue, they looked at the check, saw 4 different handwritings, called it " check washing '' and was told the account is compromised and should open a new account immediately, which we complied and request a return of funds.

Tried to file a police report. In order to file one, we need to know where the check is presented. It's been over 45 days, bank has not provided any information or refund to this point other than .... 
From the bank... 
" We are only able to provide the XXXX  XXXX XXXX XXXX and that was identified as XXXX  XXXX XXXX. 

I understand that law enforcement is asking for the location of the deposit so they can route the client to the correct jurisdiction and that is why on alteration claims we have the client file a Mail Theft Report in lieu of a police report. A Mail Theft Report can file with the United States Inspection Service at XXXX. 

The client would need to tell the Agent where he mailed the check and the address of the Intended Payee it is presumed the check was stolen in transit and altered to the name on the check. '' We filed a postal complaint on XX/XX/XXXX, USPS Reference XXXX Bank response to date is nothing, no updates what so ever since first reported the first week in XXXX. 

Our business is having trouble maintaining cash flow and may result in our demise. Before calling an attorney, the news or posting on social media, I am relieved to see there are protection boards like CFPB that can assist with out getting others involved. I am hopeful to obtain status and refund as soon as possible to ensure a healthy business operation. I simply can not understand why when we give an employee a check, the bank calls us to qualify the presenter. This check clearly had multiple handwritings and if anyone looked at the electronic pictures of our other checks, they would clearly see the handwriting is not inline with the handwriting on every other check in our decade of business. This is a tremendous disappointment in the safety and security processes of our banking system.
Product: Mortgage

I am writing to report an ongoing issue I am having with the mortgage service provider Select Portfolio Servicing , Inc ( SPS ) for a property I own in, XXXX, XXXX SPS took over responsibility on XX/XX/XXXX for a loan I initiated in XX/XX/XXXX. Despite the fact that the Escrow account was fully funded for property taxes and insurance when I closed on the loan SPS has not paid my property taxes to date. In fact I had to pay the taxes which were past due to avoid a lien being placed on my property. 

I first contacted SPS via phone call to their customer service number at XXXX XXXX, on XX/XX/XXXX around XXXX XXXX. The customer service representative agreed to report my concerns but I never received a phone call or follow-up response from SPS I followed up with another phone call on XX/XX/XXXX to report that I received a notice of intent to issue a lien, again I got no immediate action from SPS only a promise to review my records and get back to me within 30-days. Given the time constraints indicated in that lien notice and the lack of action from SPS I went to the county office and paid the past due tax bill on XX/XX/XXXX. Subsequent to making that payment I sent an email to SPS and uploaded a copy of the lien notice to the SPS customer service portal on XX/XX/XXXX as well as a copy of the receipt showing I had made the past due tax payment. I also requested direct reimbursement of my tax payment given that they had the funds sitting in the Escrow account. I received a letter on XX/XX/XXXX through the portal from SPS acknowledging receipt of my XX/XX/XXXX email and a promise to address my concerns within 30 days. 

Given the lack of action and responsiveness to my concerns I contacted an attorney who issued a formal letter of complaint on my behalf dated XX/XX/XXXX. I mailed a copy of the attorney 's letter to SPS 's address in XXXX XXXX XXXX, Utah and uploaded a copy of this letter to the SPS portal and received an acknowledgement of receipt of this letter which was dated XX/XX/XXXX, and again a promise to respond within 30 days. 
To date I have not received any communication from SPS indicating what they have learned and what they are going to do to correct this and no indication if they will refund me from the escrow account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX