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

I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX - XXXX IS THE ACCOUNT I AM REFERENCING
Product: Mortgage

Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my XXXX account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether XXXX did not take notice of any rule, law, COMPLAINT FOR DAMAGES AND OTHER RELIEF or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of XXXXs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether XXXX promoted XXXX transaction ( XXXX ) in question despite being aware of the nature of the transaction ( XXXX ) in question ( iv ) whether XXXX was in compliance with its own policies and procedures ; ( v ) whether XXXX owed duties to myself, what the scope of those duties was, and whether XXXX did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( XXXX ) whether XXXX has XXXX its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, XXXX  must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. 
However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way XXXX be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that XXXX  did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Mortgage

I submitted a complaint before and Home Point Financial claimed the issue was fixed which is not true. I never received a direct call from a supervisor/manager that can truly address my questions/issues. I just received another escrow analysis showing that my account is low which now means my monthly payments have increased by almost {$320.00}. Every time I call for answers I get another escrow analysis which then turns into me paying more ... .how is that possible?? I contacted the City of XXXX regarding my " past due '' tax payment notifications and they said that the mortgage company has been submitting payments late, hence they have also charged me interest. I need HELP getting someone who truly knows the business to explain why and fix all these ongoing issues, including escrow balances and interest charges. Please let me know if there is anywhere else I can raise this to, it's been months and resolution is way overdue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Experian, I am writing to formally request that all accounts associated with my personal information be immediately blocked and deleted due to a recent data breach. The following accounts and inquiries are impacted and need to be addressed : Accounts Affected : Account Name : XXXX Secret Date Opened : XXXX Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Balance : {$21000.00} Hard Inquiries : The following inquiries need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cap XXXX Auto Fin via Dealer XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request XXXX being made under the Fair Credit Reporting Act ( FCRA ), and I am specifically referring to the following sections : 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
15 USC 1681e ( b ) : I ask that you thoroughly review my credit report and correct any inaccuracies caused by this incident.

15 USC 1681g ( a ) : I request a full copy of my consumer report to verify the accuracy of the information being reported.

15 USC 1681m : Please ensure no negative information resulting from this breach is reported incorrectly. 
I look forward to your prompt attention to this matter and confirmation that the necessary steps are being taken to resolve this issue. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

For several months my monthly payment for my private loans were automatically debited from my bank account. I started to receive bills from a collection agency stating my loans with XXXX XXXX  were sold to their company. Since my loans were not in default, they shouldn't have been sold to a collection agency. I have bank statements proving this. Now the collection agency is expecting payments they shouldn't receive. I contacted XXXX XXXX  and nothing was done about it.
Product: Credit reporting

I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
Product: Money transfer, virtual currency, or money service

Date Incident Happened : XX/XX/2021 Basically i was using a app called Paypal which is extremely known for having terrible customer service. They recently limited my account and asked me to verify a couple of things. After i verified i woke up to a message saying that i have been permanently limited in other words ( banned ). This is absolutely absurd i have not broken the XXXX. They dont even respond to my messages instead they give me automated responses. Paypal does not care about there users. The items i sell are digital goods they dont require tracking or anything i accept the money through friends and family. This is insane! 

My Email Used In Paypal : XXXX Please Text Me Back At This Email : XXXX XXXX
Product: Checking or savings account

See below My fax XXXX Solution recommended Sanctions on boa Monetary loss relief for myself from boa. 
I need info on nc teller details of transaction and signature and video of person doing transaction And I am still waiting for signature cards from XXXX for my solely owned XXXX ( as per our telephone call on late XX/XX/XXXX ) and bank location where account was opened and all signatures and cards issued to XXXX. 
As per XXXX intense fraud investigation of my boa accounts thru my complaints with the cfpb XXXX XXXX XXXX XXXX states in her XX/XX/XXXX to the consumer financial protection bureau that there were only 2 cards issued on my XXXX boa account # XXXX. Issued in XXXX temporarily And XXXX in late XX/XX/XXXX thru present BUT AS PER ATTACHED BoA XXXX ACCOUNT on XXXX XXXX XXXX there is a boa entry of # # # # # # # replacement atm debit card fee of {$5.00}. ON XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding accounts that have been mistakenly attributed to my credit file. In that letter, I requested that Transunion verify the accuracy of these accounts, as I am unfamiliar with the listed companies and believe they may belong to an individual with a similar name. Unfortunately, I have not received any response from your company.

As previously mentioned, these accounts do not belong to me, and I am concerned that this error is negatively impacting my credit report. While these accounts may reflect good payment histories, the high debt-to-income ratio associated with them is significantly affecting my ability to secure new credit. I am in need of financing at this time, and this issue is preventing me from obtaining the necessary funding. 
For your reference, the accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by Experian from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.
Product: Checking or savings account

About 2 years ago I had some issue with my Provident XXXX XXXX accounts, the bank decided to close up some of my accounts, because i had not put in any money for a few years, only nobody cared to notify me. Also, the account were I did have money they were charging me fees I did not know about so I decided to take my money elsewhere, and had them close all my accounts. I have not been able to have them close my accounts properly to this date, and I still receive e-statements. It has bene impossible to even access my own account online, to close it, and they have not been of any help. I even tried to update my billing address, and had no luck. 

I'd like to have them close it all for good, and send me a confirmation they have done so. 

At this point these accounts are obsolete, and I have asked too many times to close them up.
Product: Checking or savings account

I had issues with ID Theft. Reported to WF, Iost over {$5400.00}. They said they investigated and closed my claim. This was in 2018 and I never received any of my. Money back. I sufferehuge financial injuries because they were inept at investigating my claim.
Product: Payday loan, title loan, or personal loan

First, the company advertises the loan products as an installment loan. The way it is advertised makes you believe that the product offered is personal loan. The best way to describe it is you apply for a loan amount. The bank runs your credit and verifies income. Once approved, the bank will send you the money with the simple terms. The monthly payment, the interest rate, and pay off date. With " Mobiloans.com '', this is the furthest from the truth. The product turns out to be a very expensive ; never ending, PAYDAY LOAN. 

I received a loan for {$1800.00} and paid 1 time per month. Mobiloans.com is debiting our checking account 2 to 3 times per month. Every payment they take is completely different. Some payments they take are {$160.00} and others are {$180.00}. When they take the payments, between {$120.00} and {$150.00} of it is nothing but their fees. Two payments ; possibly 3, per month and {$20.00} to {$30.00} of each payment is going to the principal. The way this is trap is set up ; it will take 30 months to pay off the loan of {$1800.00}. The original loan amount of {$1800.00} will cost me {$9600.00}. One would think that every law in lending has been broken. 

Mobiloans.com has taken XXXX XXXX and XXXX XXXX 's playbook. Everything from the way it is advertised to how the products work is all a scam. The loan was taken out to report to the credit agencies and to help with the overall credit picture. We were trying to paint a picture for VA Home Lenders to finally live the American Dream and purchase a home. 

Something needs to be done with this to protect us as a consumer. There is no way a company should be able to advertise this product as a personal installment loan when it is nothing but predatory payday loans. I am XXXX XXXX  XXXX veteran of the United States XXXX, and we need better protections from companies like this. 

I am filing the complaint to receive some type of assistance. There is absolutely no way in the world I would have signed up for this product had this information been presented to me from the beginning. If the company would have said that the loans were payday loans or cash advances, they would have never been able to receive me as a customer. Everything about this company needs to be published online. Thank You!
Product: Mortgage

Your company, Mutual of Omaha Mortgage ( MoOM ), incorrectly imposed a Veterans Affair ( VA ) Funding Fee on XXXX XX/XX/XXXX in the amount of {$14.00}, XXXX dollars. 

On XXXX XX/XX/XXXX, I sent an email to XXXX XXXX, Mortgage Loan Originator with MoOM, expressing my interest in purchasing a home and using MoOM as the lender. In that email I pointed out that I was retiring on XXXX XX/XX/XXXX and that I was expecting a VA XXXX rating of roughly 80 % to 100 %. Throughout several phone conversations and one text on XXXX XX/XX/XXXX, XXXX XXXX was aware I had initiated a VA XXXX claim prior to contacting MoOM. When asked about the funding fee I was told the amount and was reassured that I would be able to request a refund from the VA once I received my rating. 

On XXXX XX/XX/XXXX, MoOM pulled an automated Certificate of Eligibility ( COE ) that stated I was non-exempt from the funding fee. ( Closing was signed on XXXX XX/XX/XXXX ) On XXXX XX/XX/XXXX, I received a disclosure package to sign. One of the documents in that package was the VA XXXX XX/XX/XXXX XXXX, VA Verification of Benefits Form ( see Disclosure Package 1 pg 55 ). When I first received the form box 8 had the I HAVE NOT box checked. Box 8 states, I HEREBY CERTIFY I HAVE/HAVE NOT filed a claim for VA XXXX XXXX prior to discharge from XXXX XXXX service. When I noticed this, I contacted MoOM and informed them it was incorrect and was instructed to mark the appropriate I HAVE box. I was not informed of any requirements of the COE needing to be verified by VA. 

VA XXXX XXXX paragraph 3.c states If the COE displays Non-Exempt, the lender should ask the borrower if he/she has a pending compensation claim with VA. If the borrower indicates that a claim is pending, the lender should request an updated COE before loan closing ( preferably not more than five days before closing ) to verify whether the borrower is exempt. If this step was taken it would have prompted the VA form XXXX to be sent to the VA to request the required info to show that I had a VA XXXX claim in process and would have determined that I was exempt from the funding fee. MoOM did not follow VA instructions outlined in VA XXXX XXXX. 

As of XXXX XXXX XXXX I was given a VA XXXX rating of 100 % Permanent and Total thus showing that I should have been exempt from the VA funding fee. When I asked MoOM about the fee I was told numerous times I would be able to go back and request a refund from the VA after the fact. That is not the case and the VA is not taking any responsibility for the situation at hand.