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

In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I normally pay my XXXX  XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX  sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX  XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.
Product: Money transfer, virtual currency, or money service

While surfing the Bank of America website looking for information on my account, I came across some unauthorized transactions done by Bank of America without my consent.
From XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time for the amount of {$550.00} for a total of {$2200.00}. When I called to inform the customer service, she confirmed the unusual nature of the transaction and suggested that I transfer the claim to the fraud department which confirmed that it wasn't a fraud which transferred the case to the Billpay department. Since then I have been going around and around without success, except for the claim department who agreed to pay {$260.00} and the balance should be paid by the office of BillPay. They acknowledged the error but refuse to take steps to correct it. I also contacted the XXXX XXXX XXXX which confirmed that the Bank Of America is the culprit and should have to pay back ( {$2200.00} ).
Product: Debt collection

Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I filed a dispute against the merchant XXXX for merchandise that I returned with tracking proof for the amount of {$2900.00} that was returned in XXXX. Capital One initially agreed it was proof and would assist me in the dispute. Capital One later lost the documents even though United States Postal Service supplied proof the documents delivered to the address Capital One specified. Capital One agents told me they do n't have the documents and wo n't acknowledge proof they received it. They then said they will look at documents I send but will not help me at all. Another Capital One agent said they will give me the benefit of the doubt and reopened the case. 2 Days later an individual by the name " XXXX '' closed the case and refused to help me. Capital One has received all the documents they requested but wo n't assist me anymore because I did not reply in time. However, I have replied in time by mail in XXXX. I also have a letter stating I am able to reply by XXXX/XXXX/2017 which Capital One wo n't address. Capital One is required to protect me under Visas International protection laws. I have now been scammed out of both the merchandise and the funds I used to purchase the merchandise. Capital One is engaging in fraud by delaying me several months reviewing my documents then closing the case after months saying too much time has passed. They will not elaborate on what this means considering I replied in time and are assisting the merchant in fraud even though they have a responsibility to protect consumers from unjust and immoral billing practices.
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 violated 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 vulnerable and unprotected. Furthermore their disputes resolution and process was unfair and deceptive, as they did not comply with error resolution requirements and under the the Electronic Fund 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I was scammed by a person online to wire money from my XXXX checking account to a Citi Bank account below, the amount is {$25000.00}. The person, called himself XXXX XXXX, asked to borrow me money by wiring to this Citi Bank account and promised to repay in few days but never did. 
Bank : CITIBANK, Address : XXXX XXXX XXXX, XXXX XXXX NYXXXX, XXXX. 
Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX. 
Account No ( USD ) : XXXX Swift Code : XXXX Routing No : XXXX Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACOUNT NUMBER XXXX I reported the scam to XXXX XXXX Police Department and IC3 in XX/XX/XXXX. I also tried to recall the wire from my bank XXXX and requested them to contact Citi Bank about that account and that company in XX/XX/XXXX and XX/XX/XXXX. However, I have heard none answers from Citi Bank about the wire. Without any helps from banks, I did my own research and found out the account is a middle bank to wire money to XXXX, XXXX. The company address is just a residence house in New York. I have tried many times to contact CitiBank about my scammed wire and the suspicious account. CitiBank never gives me answers on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Product: Mortgage

I applied for a loan modification but i was denied and was told by shell point servicing that my only option was to sell the home so i resubmitted the application for the short sale along with the required documents and after several weeks of sending in documents and my realtor sending in documents, putting the property up for sale and presenting offers because this process takes time a offer was accepted and the short sale was approved because i received letter from shell point confirming that it was approved, but the escrow company still had to resolve the liens on the title of the property, so in the middle of this process shell point started the foreclosure proceedings which should have never happen in accordance with the CA homeowners bill of rights, this is dual tracking plain and simple they are violating my rights they can not start any type of foreclosure while i have an open escrow and trying to sell the home, ITS AGAINST THE LAW ( civil code section 2923.6 and civil code section 2924.11 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is submitting that a couple of my accounts " meet FCRA. '' This is not possible as they reported it before they sent me validation of my dispute. Per FCRA they can not report a debt before it is validated is my understanding. I have a credit report from TU on XX/XX/XXXX so I know what it said before TU received my validation of debt letter. I would also like to say that TU Credit Monitoring website informed me that XXXX reported that XXXX XXXX   updated my credit report on XXXX. This is very deceptive as you will see in the screen captures of credit reports that XXXX has not and that my disputes with XXXX are still under investigation. XXXX received my dispute on XX/XX/XXXX but to my knowledge the said accounts from XXXX and XXXX XXXX XXXX are in dispute not renewed. It seems that Trans Union has reported that these accounts meet FCRA because of this. I will include screen shots from TU Credit Monitoring.
Product: Mortgage

On XXXX, my wife and I applied for a refinance loan # XXXX with Bank of America. The rate was locked at 2.875 % for 90 days with the estimated closing costs of {$3400.00} which included a lender credit of {$210.00}. On XXXX, supervisor XXXX XXXX sent us an email stating that BOA has denied our loan due to the listing of our primary residence for sale. Supervisor XXXX XXXX never informed us that we should not list our property for sale, even though this was discussed with her. In his same email sent on XXXX, XXXX XXXX also stated " However, if you were to re-apply today I have received confirmation that we can provide you with the original pricing on the loan application that is being denied ''. On this same day of XXXX, our email was sent to XXXX XXXX stating that we would accept BOA 's offer for 'the original pricing on the loan application that is being denied '. On XXXX, we received five large envelopes from Bank of America with new loan documents on a new loan # XXXX. These documents show that XXXX XXXX prepared these document on XXXX. This new loan is no where close to being the same " original pricing on the loan application that is being denied ''. The estimated closing costs are approximately {$3000.00} higher. And, there are other numbers that are not the same. We have also recently informed supervisor XXXX XXXX of this problem, but he seems to not know what is going on with this mess. We did not want to start over and do a new loan. We do want the same figures on this second loan as the first loan.
Product: Payday loan, title loan, personal loan, or advance loan

They tell me ihave to make the almost {$400.00} a month payments. This loan has charged me well over 100 % interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.
Product: Debt collection

During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get XXXX XXXX XXXX to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXXXXXX XXXX XXXXXXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Product: Credit reporting or other personal consumer reports

MECHANICS BANK AUTO FINANCE IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/2021. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR MECHANICS BANK AUTO FINANCE UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

DEPT OF EDUCATIONXXXX XXXX
Product: Checking or savings account

Bank of America sent an email telling me that if I deposit XXXX and leave for 3 months, I should be getting {$500.00} but they never follow through with their advertisement. 
Actually I went inside the bank and spoke to the representative about the offer and the representative confirmed with me about {$500.00} reward. 
So, I made my deposit on XX/XX/2023. 
And when I spoke to them today ( XX/XX/2023 ) about my {$500.00} reward, they are telling me that I should have the deposited by wire not by check. 
I even talk to the representative from the bank when I was making the deposit by check. 
He told me I should receive my {$500.00} after 3 month. 
This is TOTAL FALSE ADVERTISEMENT from Bank of America. 
Appreciate your help with this matter.
Product: Debt collection

I received a collection call on XXXX XXXX, 2021 from XXXX XXXX XXXX on behalf of Absolute Resolutions Corporation, also known as Absolute Resolutions Investments LLC, in violation of the " cease and desist letter '' that I sent to Absolute Resolutions Investments LLC on XXXX XXXX, 2021. I sent this " cease and desist '' letter by certified mail return receipt and they received my letter on XXXX, 2021. The return receipt was signed by XXXX XXXXXXXX. 

Absolute Resolutions Corporation is ignoring my " cease and desist '' letter by continuing to use different collection agencies to contact me regarding a debt that I do not owe and that is beyond the statute of limitations. 

I want Absolute Resolutions Corporation to comply with my " cease and desist '' letter as is required by the Fair Debt Collections Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code1681b ( b ) the parentage of the consumer for the child to which the obligation relates has been stablished or acknowledged by the individual in accordance with state laws under which the obligation arises the consumer report will be kept confidential will be used solely for purposes described in sub paragraph A and will not be used in connection with any other civil administrative or criminal proceedings or for any other purpose. I also have right to privacy according to the 1974 act to remove child support off my consumer report. Child support is not a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX following accounts, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX 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