23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Writing to further escalate our dispute with the CFPB, it seems that Bank of America is not taking our situation as seriously as they should. It has recently come to our attention that her responses have been not only unfounded but also damaging to our character. Specifically, we have found that the false claims made by XXXX  which have since been discreditedhave been taken at face value, despite there being no truth or factual basis behind them. 

The nature of these claims has caused significant harm to our reputation, and the subsequent handling of this issue has been deeply troubling. Despite numerous attempts on our part to correct the errors and resolve the situation, we have yet to receive a proper response, refund, or resolution. This matter has been ongoing for over nine months, and the stress it has caused is profound. 

I ask that you review the entire situation with a careful eye, taking into account the substantial evidence that we have gathered, including : Emails and communications with XXXX XXXX requesting corrections to the errors Detailed calculations and supporting documentation proving inaccuracies in the claims Correspondence from our legal team, which was ignored by XXXX XXXX The documents and evidence we have provided demonstrate without question that the initial claims were erroneous. Yet, despite our best efforts to resolve the issue and clear up the confusion, it seems that Bank of America has given undue credence to the inaccurate assertions made by XXXX XXXX. 

This issue is no longer just about an incorrect claim ; it has become a matter of accountability, justice, and the protection of our reputation. We have made this issue a public matter, as we firmly believe that this situation must be rectified, and we will continue to fight for a fair and equitable resolution. 

We are requesting a full refund, a partial refund, or at the very least a fair agreement that reflects the extent of the damages caused. We are not only seeking compensation for the financial losses but also for the emotional and mental distress caused by this prolonged and unresolved issue. 

It is insulting that Bank of America has treated these unfounded claims as truth, especially when there is clear evidence to the contrary. We trust that you will give this dispute the thorough and impartial review it deserves.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfers

Wanted to trade money for an online game but the other persons did n't hold up thier end of the bargain and took my money
Product: Debt collection

The original debter is XXXX  XXXX  XXXX  XXXX XXXX oregon. They billed my insurance for medical treatment and I paid XXXX dollars per visit. I have proof I had paid it. Than come to find out that this same company sent me to a collection company cam credit services for collection of XXXX dollars that I never knew I had. They never sent me any notifications or letters. Also it posted on my credit claiming it was listed on XXXX of XXXX. But did not actually post on my credit till XX/XX/XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my account nor did I give permission to the creditor to open the accounts on my behalf. When some of the accounts were opened I was very young and weren't using or applying for credit. I've disputed the accounts a couple times requesting validation which I haven't received as of yet.
Product: Debt collection

The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account. 

This situation was explained when I closed the other accounts with HSBC as well. 

Instead the company allowed charges and let interest accrue then charged late fees and more interest. 


I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open. 

Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.
Product: Credit card or prepaid card

The issue involves an interest charge of {$160.00} with USAA VISA. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX  Bill Pay submitted payment for {$11000.00} on XX/XX/2023 on my behalf to USAA VISA. According to XXXX XXXX XXXX  the payment was delivered USAA VISA on XX/XX/2023 ( confirmation # XXXX ), before due date of XX/XX/XXXX. 

On the XX/XX/2023 USAA statement, I was charged an interest fee of {$160.00}. Discussion with USAA VISA revealed that they held the check and delayed acknowledgment of receipt until XX/XX/XXXX, resulting in the interest charge on a 'late payment '. 

My understanding is that this may represent a violation of XXXX Payments ' of CFPB, ( a ) General Rule, and ( c ) Adjustment of Account.

A fair resolution would be for USAA VISA to remove the {$160.00} interest charge as they received a payment of {$11000.00} on XX/XX/XXXX but delayed deposit until XX/XX/XXXX, after the due date. 

USAA VISA offered a courtesy credit of {$25.00} but I do not feel that this action is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX 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 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 15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Transunion XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

After being denied credit I checked my credit report I noticed an account with Bank of America. I 've reached out to Bank of America via certified mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 've requested validation of a debt that I do not recognize. Upon the letters sent I have yet to receive any signed contracts from this company, only computer generated statements. Also BOA did not place a " notice of dispute '' on my credit report after my initial contact of XXXX/XXXX/XXXX. They are in violation of FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ) by not placing the disclosure within the 30 day period. I only received a letter from BOA stating a date the account was opened and the balance ; no signed contracts as requested in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was subject to Fraud on XXXX. Someone posted a fake job announcement and then said that I got the job. Then sent me a fake check from the XXXX XXXX XXXX  with the amount of {$2500.00} asking me to deposit {$1700.00} to a third party using XXXX and keep {$760.00} for me, pretending that this is the actual job of management of donations to charities. The transaction occurred on XX/XX/2021. my bank PNC claims that they offer full fraud protection and that is adding XXXX as the only money transfer option on its portal refused to reimburse me for the fraud which is very misleading.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX. 
# : I am not liable for this debt with sprint and do not have a contract with XXXX XXXX XXXX. This collection is violating my rights. It is related to another BBB complaint ID : XXXX. I was illegally evicted during XXXX during a no eviction mandate in Florida. The landlord in the previous complaint ID mentioned fraudulently continued to use the electric in the rented property after I cancelled it. They illegally and fraudulently kept the XXXX XXXX XXXX XXXX XXXX active after I had cancelled it and racked up a bill and now it is negatively affecting my consumer credit report. I have contacted an attorney and am proceeding with legal action against XXXX XXXX XXXX if this is not removed from my credit report immediately. The landlord who did this is the one liable for this debt, he knows that because he also tried to file a collection against me and he did not respond because he knew he broke the law and would be held liable legally and removed the fraudulent amount reporting to my credit. This needs to be removed immediately. My consumer rights are being violated under the following consumer protection laws 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. Remove this from all Credit reports, XXXX, Equifax XXXX XXXX Immediately
Product: Credit card

On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete. 

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation. 
DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Closed accounts XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX Equifax Hard Inquiries XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  closed accounts XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS XXXX XXXX XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Mortgage

This Short Sale has been in process for over a year and has been delayed by OCWEN, not I, XXXX XXXX XXXX. 

I have put a tremendous effort in order to complete this Short Sale and am determined to complete it and leave on my own volition since it has been my family home for over 50 years. 

I have attached the new contract with the existing cash sale for over a year and the corrected Settlement Statement in order to expedite this Short Sale in 30 days or less. 

Please note OCWEN keeps putting off the Sale for only XXXX XXXX on the Settlement Statement and before that an " e '' was missing from the word Street on the physical address. 

Please help us reach a solution.