23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.
Product: Money transfer, virtual currency, or money service

This is with Remitly I had an account with them to make money transfers to friends and family since XXXX. I did not use it for the last few years. 
I tried to schedule a transfer in XX/XX/XXXX and logged into the account and scheduled a transfer and was promised the delivery in 2 hours. 

I then got a call from them that I need to provide passport for compliance as there was a second account created in XXXX. No further details were provided. I had no idea of what constitutes a second account ( Is it SSN based or combination of some other information ). 
I then provided the passport copy and asked how long it will take. 
I was told it will take 24 to 48 hours. I told her to go ahead with compliance but not with transfer as I will look into alternate arrangements for the money transfer. 

I then made alternate arrangements by sending the money using friends. 

I then got a call after a couple of hours and was told that the compliance is approved. 
I said I will need to confirm by logging into my account on my computer. 
By the time I did that, they went ahead with the transfer anyway and debited my bank account. 
I am concerned that they talked about a duplicate account only after I logged into my account and started and completed a transfer request and not when the duplicate account was created a few years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. 

I am writing in response to your letter dated XX/XX/year>, regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Your response, which included a signed agreement and a payment statement, does not fulfill my explicit request for critical information. 

On XX/XX/year>, I sent you a letter requesting specific account details, which remain unaddressed in your response. For clarity, I will reiterate my request : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of the charge-off.

This information is essential to validate the accuracy of the information reported on my consumer report. As you are aware, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Truth in Lending Act ( 15 U.S.C. 1601 ), and Title 18 of the United States Code, you are legally obligated to provide verifiable documentation that substantiates the accuracy of the information being furnished. Failure to provide such documentation constitutes a violation of my consumer rights.

Furthermore, your continued failure to provide the requested information may also implicate Title 18 U.S.C. 1028A, Aggravated Identity Theft, as the lack of validation for the account 's accuracy raises concerns about potential misuse of my personal information. 

I reiterate that a signed agreement does not justify or validate what is being reported on my credit file. Validation requires verifiable evidence confirming the specific dates and details requested. Your response has not fulfilled this legal standard, nor does it close this matter. 

If you fail to provide the requested information within 10 calendar days of your receipt of this correspondence, I will file a civil suit in good faith to seek damages for your violations of my consumer rights under the aforementioned laws. 

This is your final notice. I trust you will take the necessary steps to comply promptly.
Product: Mortgage

I have recently refinanced my mortgage loan and the previous servicer was SWBC Mortgage. In this process, I have experienced two main issues related to payments and escrow accounts.

The previous loan was paid in full to SWBC Mortgage as of XX/XX/XXXX. In anticipation of the upcoming pay-off, I canceled the " automatic payment '' feature on the account on XX/XX/XXXX. The payment was still automatically withdrawn from my bank account at the beginning of XX/XX/XXXX, despite the loan being paid in full and the request to discontinue automatic payments. When the withdrawal was still pending with my bank, I called SWBC and asked them to intervene and I was told there was nothing they could do, and that the funds would be returned to me ASAP.

After several weeks ( on XX/XX/XXXX ), when I had not received the refund for the mistakenly drafted payment, I called SWBC and asked when I could expect to receive it. I was told that this payment refund would be coupled with the escrow account settlement and that I should receive it within 20 business days from the payoff date of the loan, which would be Monday, XX/XX/XXXX.

Well today is XX/XX/XXXX and I have still not received the escrow settlement or the refunded payment. And so I called again today ; and I was told that the payment would likely arrive next week sometime.

To summarize, my complaint is that a payment was erroneously withdrawn and the remediation has taken far too long, and the timeframe for the escrow account settlement has exceeded the required 20 day window.

Thank you, XXXX XXXX
Product: Mortgage

I recently purchased a home and used Newrez for the servicing of my mortgage loan as I currently have a loan with them. There was a last minute request for documentation at every turn. When attempting to contact anyone at Newrez I would be sent to voicemail the majority of the time. I was passed to at least three different loan officers, each time having to go over everything with them as they seemed to have absolutely no idea what was going on with my loan. The closing was delayed on their behalf with no explanation as to why. The deal was almost canceled by the seller as there was no communication by Newrez as to why there was a delay. Even on the day of closing the closing money was not released to the seller and we all left the title company with nothing in hand. Now, I have attempted to get my earnest money back as this is a stipulation by Newrez that if my loan did not close on time due to a delay by Newrez I would receive my earnest money back up to XXXX XXXX dollars. I have reached out several times to Newrez and every time I am sent to their collections division for no reason. Every person I've talked to there has no knowledge of what I'm speaking about. I've called managers, supervisors, and anyone who will actually pick up a phone and am continuously told they have no idea what I am talking about. Attached is a screenshot of the stipulation on the Newrez website.
Product: Money transfer, virtual currency, or money service

I was sent {$100.00} on Tuesday evening, around XXXX. XXXX, using the service CashApp. The money was to an account I had created in the past. CashApp has not allowed me to recover this account, which was made in my name using my information. I have spoken on the phone with them and used their support line multiple times, only to be told they can not give me access to my account for security purposes. I have offered to provide any amount of added information needed, but they do not care to ask. The company has essentially left me in the dark with the same automated response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX  - XXXX {$950.00} XXXX  - XXXX XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$380.00} XXXX - XXXX d {$350.00} XXXX XXXX XXXX - XXXX {$570.00}
Product: Mortgage

In my filed complaint BB & T did not answer the following questions. 
How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 
1. Explain where did my money go. 
2 Why my payments were not posted correctly to my account as on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$9300.00} XXXX   XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Equifax Mortgage Solutions, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX, XXXX XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX {$38000.00}, XXXX XXXX XXXX
Product: Debt collection

Debt is not valid to companies. I have no legal attachment to collectors.
Product: Credit card or prepaid card

on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank.

since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation.

I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  receipt, XXXX XXXX XXXX  receipt and my phone GPS location, clearly showing I was in New York XXXX. 
I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). 
They are unable to resolve the problems they created for me!
Product: Checking or savings account

I have a checking account with TD bank and another checking account with XXXX, I did transfer XXXX dollars ( twice ) on XXXX XXXX from my TD bank account to my XXXX checking account ( XXXX ) the first one was credited to my XXXX account, the second one was rejected, on XX/XX/XXXX but on XX/XX/XXXX ( without my authorization ) they took {$500.00} dollars from my TD bank via XXXX again but it doesn't reflect on my XXXX account, I did contact TD Bank, XXXX and XXXX but I didn't have answer
Product: Money transfer, virtual currency, or money service

Fraud began XX/XX/2022 in the amount of {$15000.00}. I filed a FTC complaint on XX/XX/2022. FTC Report Number is XXXX. I also filed a complaint with the FBI. I have attached the FTC complaint, and I will provide the more detailed FBI complaint upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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: Vehicle loan or lease

Wells Fargo XXXX XXXX on my Truck for the XX/XX/07 payment raising my payment to XXXX I could not afford that the Payment was due XX/XX/2007 you had a repo man come get the truck on XX/XX/2007 and I called you on XX/XX/2007. You have the truck over 90 days before the sale of it. Thats wrong. You owe me for that. Where is the XXXX extended warrenty you cashed out missing on the paper work. Why did you all take XXXX out of my bank after a debit transaction at the XXXX XXXX wells fargo atm for XXXX The very next morning you hit my debit card again for XXXX wells Fargo rewards. 
It took a week to get my money back and visa 6 months to review the ordeal you people are crule I WANT OUTSIDE ARBIRTRATION and or a refund I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX/XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XX/XX/XXXX, XX/XX/XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.