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

Bank of America cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Bank of America Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Bank of America 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a " depositor. '' I further contend that my wife, XXXX XXXX and I are not a " depositor '' of Bank of America, so it is unclear upon what basis Bank of America relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual " depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a " depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : " As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not " depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Bank of America. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Bank of America 's cited code as not being applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in an inquiry dispute to TransUnion for 13 inquires and XXXX for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from  TransUnion stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX taken out of XXXX  XXXX XXXX account through zelle to an unknown XXXX XXXX account. XXXX  XXXX XXXX filed a claim.
Product: Payday loan, title loan, or personal loan

MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told Experian, XXXX, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : DEPT OF EDUCATIONXXXX : Account # : XXXX, Open Date : XXXX, XXXX ; XXXX  XXXX XXXXXXXX : ACCOUNT # XXXX XXXX Open Date : XXXX XXXX, XXXX ; XXXX XXXX : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX  : Open Date : XX/XX/XXXX. 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX  - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payments reported on my credit report for the XXXX  account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score. 

I request that the CFPB take immediate action to mandate the deletion of these late payments and update my account status to current. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Mortgage

My mortgage was sold to Loancare from XXXX XXXX, I was advised in writing and verbally that my bi weekly payments would map over the same way as it was set up with XXXX, except for the month of XXXX 2019 and provided me the dates of the auto debit for XXXX however they did the draft on the wrong date in XXXX, causing my account to overdraw. I made several more calls and was guaranteed this is an isolated issue and XXXX would have my proper auto debit dates in place, which it was not and again overdrew my account withdrawing the funds too soon, I spoke to a XXXX, XXXX and a supervisor named XXXX who gave me his employee no.XXXX, as a guarantee that XXXX,. auto charge would start in the 2nd week which is how I had it in the past, then every other Friday, but couldn't give me anything in writing. XXXX stated my letter of transferring the servicing of the loan is all they would provide, which I received but with no payment dates, that was provided verbally when I received my first call to advise of this transition. I had called again this week and another supervisor, XXXX advised I was given the wrong information through this whole process and my auto payments will remain the way Loancare has it set up and can not change it, regardless of what XXXX XXXX  had in place. This type of service is inexcusable and now a struggle to keep my mortgage in good standing. Having the set up with XXXX XXXX was for a reason and they accommodated that need to make sure I could manage my mortgage payments. Loancare is setting up me and anyone else in the same position as I am for failure. This is not fair lending in terms of taking over a mortgage from another company, I need help. XXXX wasn't even certain about what happens with and 5 week month when an extra payment will come out, what kind of service is this?
Product: Checking or savings account

I reached out to PayFare/XXXX  ( XXXX XXXX XXXXXXXX ) immediately upon my seeing a transaction I didn't recognize ( on XX/XX/2024 ), especially since I was needing to make a purchase and now had insufficient funds to do so, and my balance is rarely more than {$100.00} ( it's my pay card for delivering for XXXX and PayFare is their payment platform they contract with ). I clearly explained to them that the website included in the transaction ( XXXX ) is in no way a service I have used, and was obviously done by someone who copied my card information ( possibly a worker at a store, etc. in taking a picture ). I asked them if they're accusing me of fraud since they denied my claim, and they declined to answer. I've never filed a claim with them before. When I did report it initially, they cancelled the card immediately and notified me of the e-mail containing the links so that I could file a claim. I did so within the allotted amount of time, and then received generic reply e-mails that were identical to the original instructions, claiming that I failed to do so properly, but not delineating which part of the exhaustive procedure I forgot to include- so I repeated it all once more, providing screenshots the second time. They then replied with a generic response saying, without evidence, that my claim was denied per their card user agreement in the small print pamphlet given when I received the card many years ago. They are claiming that there is no option for more recourse and that the matter is final, and have not explained to me with any transparency whatsoever why that is so, and apparently expect me to bow down. I am a XXXX XXXX XXXX  at present, and have been very patient and polite with their support, but feel as if they are trying to strong-arm me into simply giving up since it is only {$39.00}, but this is a matter of principle, but also financial stability as that would allow me to put those funds towards future days of work in the form of fuel. I informed them that I would be reaching out to the proper government watchdog after their refusal to explain their decision, and appreciate your help. Thank you
Product: Credit card

the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt
Product: Debt collection

In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.
Product: Vehicle loan or lease

To whom it may concern, I leased a XXXX  XXXX ram in XX/XX/2016 from a leasing company ( XXXX XXXX  ) and signed a contract for a XXXX mile allowance. I returned the car with a little over 43,000 miles and later received a bill from the bank associated with the lease ( ally financial ) for milage in excess of 13000 miles. I asked Ally for the contract they had on file and they sent me a contract with different milage and a forged signature on it. This was not the contract I signed. Instead it was altered and then someone else signed my name on it. Ive attached the paperwork. 
I went to the dealership at XXXX  XXXX XXXX in person to see if the issue could be resolved. Instead, I was treated with a high level of disrespect, they wouldn't show me their version of the paperwork and was essentially thrown out of the dealership. 
Attached, is proof of all the paperwork I've mentioned above. Please feel free to call or email me to speak further.
Product: Debt collection

Just because I'm XXXX a slender in my name they being preference on at the end pertained to say that I use their account fraudulent when they gave me some money that they couldn't even explain how it got in my account they try to play me use me misguided me because I'm just able and I know always understand how a system can say that I got some money in my account if I don't have nothing in my account they try to use a room amount to say that I still have the mouth in my account I thought it was for the they are advantage to get back the money that they lost between the government and the people that sue them in the past history they are a bad Bank they need to be shut down and penalized for using their system against the person that set up account with them they doing bad business the new CEO XXXX & XXXX the inventors of the Bank trying to capitalize on this small investors that actually deposit make transactions and keep on making deposits they come up with errors in a system like they don't know they make false statements and summaries of past history it just don't add up at the end of the day and I got paperwork and alive witness that was with me to hear all the wrongful and unpertaining professionalism paperwork and a conversation with a branch manager seem like they just don't know what they talking about in the business terms of the bank information
Product: Prepaid card

On the XX/XX/2023 I may a XXXX dollar payment to XXXX  XXXX  but they said they never received it so I call PayPal and they first told me that it was sent they even sent me a letter to give to XXXX XXXX staying it was paid and they did receive it now PayPal is telling me that the same day I pay for my cellphone bill that they refunded it back into my account right after I pay my bill but there is no proof that the money was put into my account I do have the letter they gave me my phone is off I'm paying for bridge pay that only give you 7 days due to this issue I'm having PayPal now keeps telling me that it they now refunded the XXXX the same day I paid for my cellphone bill it not adding up they sent me a email letter saying that the money was given to XXXX XXXX on XXXX XXXX  this has cause me much stress I live in the middle of nowhere and phone service is very important here can you please help me resolve this matter I have the letter email if you need it I need my phone on but PayPal keeps giving me different stories I don't know who lying PayPal or XXXX XXXX I never requested PayPal to take the payment and refund it I have been paying my bill with XXXX XXXX like this for years now XXXX XXXX still have my XXXX that I gave on XX/XX/XXXX my remaining balance was XXXX the full amount XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by Harris & Harris, a XXXXbased Debt Collection Agency. 

XXXX from Harris & Harris called me on XX/XX/XXXX, and said I owed {$1000.00} from XXXX, XXXX, XXXX XXXX XXXX. I was taken unawares that I owed anything ( I moved multiple times in XXXX so they may not have had my address ). 

I called my health insurance on XX/XX/XXXX. They verified XXXX had 'no record of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX filing a claim so there wasn't a way for me to confirm whether I owed any of the stated amount. After speaking with my health insurance, I called Harris & Harris back to inform them my insurance is investigating my query with XXXX, XXXX, XXXX XXXX XXXX 

On XX/XX/XXXX, I called Harris & Harris back to ensure that they give me and my health insurance enough time to investigate the amount of {$1000.00}. I then requested a Debt Validation Letter. The agent told me that they received my debt collection on XX/XX/XXXX and a letter was sent on XX/XX/XXXX. I never received the letter and requested a new one be mailed or sent as a pdf via email. The agent mentioned she could get an 'itemized ' letter, but I said I needed the validation letter stating the collector 's name, why they think I owe money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

My federal student loans were with FedLoan and were recently forgiven under XXXX. At the beginning of XXXX, I received an email from FedLoan indicating that I was eligible for a refund for payments made during the COVID pandemic. When I called to request the refund, they said they would submit it. I called back in XXXX and they confirmed the request had been submitted in XXXX. 

The week of XX/XX/XXXX, I spoke with them again because I still had not received the refund checks. They told me the refunds were taking several months because of the large number of refunds due to borrowers, and they confirmed I was due a refund in the amount of {$18000.00}. They advised me to call back in XXXX. I called again on XX/XX/XXXX and was told everything was in process but that the delays persisted in getting the refunds out to borrowers. 

When I called today to check again, I discovered FedLoan no longer exists. I understand you have successfully helped others unstick this process and was advised to contact you. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Product: Debt collection

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$10000.00}
Product: Debt collection

i notice a alleged debt of XXXX on my credit report from Paragon Revenue Group on XXXX that i don't owe, so i sent them a letter requesting the validity of the alleged debt with my USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX, and i haven't heard from them concerning this matter.i have attach a copy for your reference below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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  XX/XX/XXXX