23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposited a cashiers check for {$2900.00} into my Bank of America checking account. Bank of America placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Bank of America confirmed that the check was good and the money could be spent. After I spent the money, Bank of America notified me that the cashiers check was fictitious. Bank of America now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you.
Product: Mortgage

To Whom this may concern, I am writing you and filing an complaint against RoundPoint Mortgage regarding my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il. XXXX there is a foreclosure sale date set for XX/XX/XXXX set to sell the home my husband, daughter and I currently reside in at XXXX cst I started sending documents to them in XX/XX/XXXX, well before the XXXX days prior to the sale of my home. I have dealt with XXXX other people regarding a loan modification at Round Point mortgage regarding this loan .I spoke to a XXXX XXXX who is no longer with RoundPoint Mortgage who assured me that once the paperwork went through, the sale would be postponed along with the underwriters. I have provided the proper documentation needed to do a loan modification, the hardship letters, the tax information, and bank statementsmedical statements and other personal documentation .I have sent missing documents when they were requested, and in the span of XXXX weeks left messages for someone to call me back to tell me if I was missing any other documents.i received no phone calls until I received a phone call on fri. XX/XX/XXXX from XXXX at RoundPoint mortgage and was told I had a lein against my property from my association that was back from XX/XX/XXXX which I did n't know that was on my property. I then got the information about the lein from the association that day and emailed the proper documents that said my lein was released on sat XX/XX/XXXX. I then got a copy of the release from the association and emailed those documents on XX/XX/XXXX. I also went to the recorder of deeds in XXXX XXXX and had the lein released today XX/XX/XXXX. I emailed this information to loss.mitigation @ roundpointmortgage where I have sent all other correspondence. I spoke to XXXX and he told me the documents were n't shown in the system yet, as it take XXXX hours to get into the system and to call back on weds XX/XX/XXXX which is clearly after the sale date. I have sent all the documents needed in the time frame I have been told that they were needed to be in to ask to stop the sherriff 's sale of my home. According to Roundpoint Mortgage, the paperwork was not received in the time frame they needed. I should then have been told on Friday that there was n't anything more that could be done to stop the sale of my home. I understand my loan was in default and I was trying to do everything in my power to remodify my loan but have been given a run around. I then spoke to a XXXX who is an underwriter at RoundPoint mortgage on the evening of XXXX who told me there was NOTHING that could be done to stop the sale. 



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

Mariner Finance is reporting inaccurate information on XXXX  and XXXX and XXXX. On XXXX they are reporting 2 late payments as of today. XX/XX/2023. On XXXX and XXXX, the Mariner finance account is reporting as pays as agreed with XXXX late payments as of XXXX XXXX XXXX. I tried to call them and talk to them about this but they are not allowed to talk to me anymore because I reported them to the nc doj. they should not be reporting different balances on different credit reports with different updated dates
Product: Mortgage

I reached out to my mortgage holder to request them to look at my file for PMI removal. They sent back a letter providing the steps to pursue removing PMI and the 5 conditions that must be met to have the PMI removed. Prior to beginning the process the only items that were not met was I had to send a check in for {$350.00} to order the appraisal and the LTV of the property had to come back 80 % or less. Well I mailed in the check they cashed and the house came back at 71 % LTV per the appraisal. The mortgage company then denied me PMI removal and said that the LTV had to be at 70 %. I then proceeded to call in for an explanation and after an escalation to a supervisor, no one could explain why I had been declined other than their denial letter stated the LTV needed to be at 70 % and the department that declined only knew the criteria ( some back office that couldn't be reached by phone ).
Product: Credit reporting or other personal consumer reports

I just checked again my credit reports and I can still see the Fraudulent information that I was requesting to get deleted. This information is damaging my credit and it's affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Credit reporting, credit repair services, or other personal consumer reports

To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have filed a dispute with the 3 credit reporting agencys. XXXX, Experian, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX  '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I discovered that several of my loans were in DEFERRED status until XX/XX/XXXX - when I was under the impression they would be in COVID/CARES Act Forbearance status. I submitted a letter to Mohela ( please see attached ) that includes all the dates of the loans for my Account # XXXX and requested for them to retroactively waive the deferment periods on my federal student loans identified in the letter from deferment period of XX/XX/XXXX to XX/XX/XXXX. 
Since the above request is imperative for me to consolidate my loans before the end of the year for my PSLF status, I needed this done promptly. After not hearing back for several weeks, I called Mohela and was on hold for over 3 hours. I spoke to a representative and was told that he needs to put in a request to have my deferment status changed to forbearance because I was supposed to tell them about this when it happened- I explained that ALL borrowers were under the impression that due to the pandemic that we would all have our student loans under forbearance and that I don't know why they would put me under deferment when the COVID/CARES Act allowed for me to have forbearance status - further, several acquaintances that I know had the same exact issue happen and were able to call in and speak to a supervisor and have their request granted over the phone - the Mohela rep told me that he can't do anything but put in this request to a different department and this can take 90 days to be reviewed. Again, I can't consolidate my loan without this being granted first, and I need to consolidate before the end of the year. Mohela should have not put me in deferment status when I was supposed to be in forbearance and now they are not correcting this status change in a timely manner.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Debt collection

I am writing to dispute the actions of Motolease regarding a collection account that has been reported to consumer reporting agencies. Motolease has violated my rights under federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and related regulations, and is attempting to collect a debt that is past the statute of limitations in California. 

Despite my requests and the provisions outlined in federal consumer protection laws, Motolease has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests for validation of the debt, Motolease has not provided any documentation to verify the legitimacy of the account in question. 

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws. 

Additionally, Motolease has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer. 

Furthermore, I would like to bring to your attention that the statute of limitations in California for collecting a debt is 4 years. As the debt in question exceeds this time frame, Motolease is not legally allowed to continue collection efforts. 

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of Motolease and take appropriate measures to address these violations of federal consumer protection laws. I also request that Motolease be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

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

According to the Fair Credit Reporting Act 15 USC 1681, section 602, it is stated, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, Experian, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681, section 604 ( a ), subsection 2 states, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies, Experian, Equifax, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, TransUnion, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting, again, without my permission, which violates the law. 15 USC 1681s-2 ( A ) ( 1 ) states, 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 USC 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Experian, and TransUnion are not maintaining reasonable procedures. As a further note, 12 CFR section 1016.7 states, A consumer may exercise the right to opt out at any time. I am option out of your reporting services.
Product: Checking or savings account

On XX/XX/XXXX I deposited a mobile check from the Department of Treasury into my checking account. The receipt stated that {$500.00} would be available on XX/XX/XXXX and the remaining amount would be available on XX/XX/XXXX. On XX/XX/XXXX I went to use my debit card and was told that my card was restricted and to contact the bank which I did. The rep I spoke with stated that the check was unable to be found in the treasury dept system and was considered fraudulent as a result my account be closed.The rep then told me that I could drive to the nearest branch 2 hours away and present documentation of why the treasury dept would send me this check. I agreed to the account closure ans stated that I didnr want to proceed with the check deposit and that I would deposit into another account that I have. 

On XX/XX/XXXX {$500.00} funds were made available on the restricted account even though I was told that the check was not found in the Treasury Department system. Upon checking the Treasury Dept check verification system the check is showing as paid. However, Capital One has held the check and my funds available in the account unnecessarily. I believe that this is a situation of XXXX discrimination.