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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled with Amerasisst AR Solutions in XX/XX/2022, which the understanding this was be reported on my credit report as " resolved '' with a XXXX-balance, but now they have reported this settlement as a Public Record on my credit report, with my credit score plummeting, AND reported as a Collection/Charge-Off. My understanding is XXXX can only report Bankruptcies as Public Record, not settlements. AND that companies can not double-report both as a charge-off and a public record. 

In this instance, settling with the company has not increased my credit score, it has made a significant drop in my credit score by actually settling a debt with a company. This is unfair and counter to logic..and it certainly doesn't encourage me to settle debts/accounts in the future if it will only make my credit score lower.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$3500.00} by someone acting as a representative of my title company when closing on a home. Bank of America did not follow any of their protocols when processing the wire. It was wired from one Bank of America to another a few towns away. Bank of America says there is nothing they can do to recover my funds.
Product: Debt collection

This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.
Product: Payday loan, title loan, or personal loan

I receive a letter from Wells Fargo informing me that the access to my credit on my account was suspended because I asked for forbearance. I never ask for any type deferment so I called them. 
First agent told me that it was a glitch on the system and that will be corrected on 48 hours. I called after 4 days because they did not reinstated and then I was told that I needed to send paperwork so they can asses my finances again. I spoke with a supervisor that was going to investigate the issue. Even though I sent the paperwork requested nothing happened. It seems that because I have a very low interest rate they don't want me to access more credit. I also read on XXXX that it seems the issue is not only with me and that they been placing account on forbearance and deferment without the clients asking.
Product: Mortgage

In XXXX, 2016, I applied for a mortgage refinance loan with XXXX XXXX XXXX located in XXXX, California. XXXX XXXX assigned my loan to NexTitle, Title & Escrow Company, also located in XXXX, California. It is problems arising with the escrow company that I hereby submit this complaint. I allege this escrow company engaged in unfair & deceptive business practices. At signing of loan documents, without prior notice, escrow demanded a fee in the amount of {$310.00}. No reason was provided, but without this payment, my loan would not be processed. A check for this amount was issued and cashed by escrow. Later, escrow stated this money was needed to pay my homeowners insurance, which in fact, was already paid through 2016. On XXXX XXXX, 2016, escrow notified me that my XXXX mortgage with XXXX XXXX had been paid. The XXXX mortgage was in fact not timely paid. Despite notification of the correct payoff amount by XXXX XXXX, escrow was late in payment for total payoff. This late payoff caused me to incur additional interest & fees in the amount of {$110.00}. Upon inquiry, escrow refused to answer my questions. On XXXX XXXX, 2016, escrow issued me a refund check. On XXXX XXXX, 2016, escrow issued me a second refund check with no cover letter or attachment. On XXXX XXXX, 2016, I was notified by my bank that escrow placed a stop payment on their first refund check. No reason was provided. On XXXX XXXX, 2016, XXXX Bank issued a refund to escrow for the amount of {$50.00}. This refund was for a waiver of a XXXX of XXXX XXXX, which I had previously paid in escrow. Despite my demands, escrow refused to communicate or answer my questions. Because of escrow 's remiss actions, I have incurred {$250.00} in attorney fees for legal consultation of their stop check issuance and review of my escrow documents. I have incurred the amount of {$110.00} for fees arising to escrow 's late payment. I have also incurred a non refunded fee of {$50.00}. Lastly, I have incurred fees for postage, faxes, bank fees, and other related costs arising from their actions. The escrow company has provided me with a {$50.00} check to cover my bank related stop payment fees. However, this money does not make me whole for my expenses and damages to date. I am attaching a copy of a certified letter I submitted to escrow on XXXX XXXX, 2016. Escrow received and signed this letter on XXXX XXXX, 2016. Escrow has been non responsive to my demand to reasonably resolve this matter. I believe escrow violated state & federal law. They have not been truthful. The amount of {$310.00} they received was never utilized to pay my insured. Escrow late payoff to my XXXX mortgage bank was the proximate cause of I being assessed the amount of {$110.00}. I have documented proof to support this complaint. I will provide them to your office, upon demand. I believe this escrow company, as my paid agent, breached their ethical, legal, and fiduciary duty. I desire in the interest of public safety, consumers be aware of these unfair & deceptive business practices. If requested, I will testify to this matter at any administrative hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I previously notified you on XX/XX/24 that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from XXXX, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XX/XX/24, but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer. 

As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/24. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Checking or savings account

In XX/XX/2021, I deposited a check to my Capital One 360 account via mobile deposit in the amount of {$430.00}. However, Capital One 360 accounts are designed in that whole dollar amounts must be deposited- no cents. 
I have had a Capital One 360 account for over 4 years. Because Capital One 360 Accounts are designed as online banking accounts, this is how they are set up. 
So if the cents is over {$0.00}, I typically round the check up to the next whole dollar amount. And if the cents of the check is lower than {$0.00}, I generally round down. So when I deposited the check in the amount of {$430.00} on XX/XX/2021, I rounded up and submitted the whole dollar amount of {$430.00}. 
Again, I have typically deposited checks this way for years. Suddenly, on Monday, XX/XX/2021, ALL of my Capital One accounts- in which I have 4 of them- were frozen. Upon realizing that my XXXX XXXX payment made on XX/XX/2021 was not withdrawn by XX/XX/2021, and my accounts were still frozen, I called Capital One. The first time, an agent said that there was a recording that I needed to listen to and forwarded my call to a recording that said to call back the next day. I immediately called back and an agent couldnt explain why all of my accounts were frozen. He said that the check cleared in the amount of {$430.00} but was submitted for {$430.00}. I explained to him that cents can not be deposited and I rounded up to {$430.00}, the next whole dollar amount, as I have always done. I told him that Ive had this account and deposited this way for over 4 years now, so I was perplexed as to why my accounts were frozen and no deposits could go in or money come out. He said that it was a system error. I voiced that I felt that I was being retaliated against for reporting my Capital One credit card for illegal activity in XX/XX/2021. Again, they could not explain why the check was flagged and ALL of my accounts were frozen ... for 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in letter and havent gotten any response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove this in accurate information from my credit report
Product: Credit reporting or other personal consumer reports

I didnt not authorize these companies to add these loans to my credit report. Its affecting my credit score.
Product: Mortgage

I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.
Product: Mortgage

I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

My father passed away and I have been trying to get a copy of his credit report. I contacted Transunion for a copy. They told me what the needed for documentation and I sent it via certified mail, they receive on XX/XX/XXXX. I have called them multiple times since then and have been told that they would send it to me, they never did.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a man calling himself XXXX XXXX emailed me about an online ad I responded to advertising a studio sublet. We communicated by email and spoke on the phone several times. He shared pictures of the apartment and knew a lot of details about the property, which I checked out online. Due to circumstances, I had to rent a place to live for two months while in another state. 

On XX/XX/2019, I sent him {$2300.00} via XXXX through my Bank of America account. He asked me to send it to XXXX XXXX at XXXX. After the payment, he stopped responding to my texts or phone calls. I realized I was scammed. 

On XX/XX/2019, I filed a claim with Bank of America. They said it would take a week or two for them to make a determination on whether they could refund my money. They also said it wasn't a case of fraud even though this man lied, cheated and never had an apartment to rent because, they said - get this - I sent him the money. I filed a report on the FBI website XXXX. 

On XX/XX/2019, I filed a police report ( attached ). 

On about XX/XX/2019, I'm told via the Bank of America claims dept. that my request for a refund was rejected. I'm also told the account I sent the money to was a Bank of America account and that it was frozen. That same day, I file a second claim through Bank of America, with info from the police report and contact information for the leasing company that manages the apartment. By then, I'd gotten in touch with them to notify them of the scam. 

On XX/XX/XXXX, I called Bank of America to find out what the decision was on my second request. I was informed over the phone that they also rejected this request. The reason, I was told, was because the " costumer '' had closed their account. I said obviously they would close the account because they are XXXX. They didn't send me a letter to notify me of this decision. The tone from the person on the phone was utterly heartless. 

I am so incredibly disappointed with Bank of America. I have been a costumer since the XXXX and they actually helped this person to steal my money. Look at the news, which reports these scams are rampant with the help of XXXX. Most banks refund their customers ' money while Bank of America helps these XXXX get away scot free. It's crime, pure and simple, and Bank of America is complicit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading 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 improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

Ive recently recieved a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXXXXXX -Account Number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are billing errors according to 15 USC 1666b : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All late payments should be removed, I did not get informed prior to these negative items being furnished to my consumer report and it is not making my report equitable for me.
Product: Mortgage

The company has changed names numerous times because of litigation. Shellpoint mortgage still holds close to XXXX of funds they have illegally held for over 2 years since my last complaint. This process so far has done XXXX. They have XXXX fear of litigation or repercussions. They laugh at government regulation and oversight. The class action lawsuits are proof. 
Shellpoint/NewRezXXXX XXXXXXXX still hold XXXX on loan number XXXX. They mailed a check to the wrong address and lied about it. I have the destroyed ( due to inclement weather ) XXXX  package to prove they mailed it to the wrong address which I believe was on purpose. They mailed the check without notice of any kind so I was not expecting anything. When called about the check they said they mailed it to the appropriate XXXX XXXX XXXX that was a lie. The lady said she would issue another and mail to the correct address... XXXX days later that has not happened. I have called numerous times. 
They forced me to pay off the loan because of exorbitant fees and they have still not issued the funds. 
Further, they lied and said the loan is still in default even though its been paid off for over 60 days and my credit just dropped XXXX points 2 days ago. I have documented for future adjudication. 
This complaint is being made again for the XXXX time over 3 years to show in court. 
Lastly, they need to reimburse all the illegal fees including forced insurance and pay interest at the same rate they charged me for the entire time they held the money in excess of the mortgage amount for 3 years.
Product: Bank account or service

On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.