23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX  was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my business documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I made an XXXX Payment to my brokerage account with XXXX with the Amount of {$55000.00}, On XX/XX/XXXX money cleared on the XXXX wasnt able to withdraw. Was told to wait 6 days, after the 6 days completed XXXX restricted my account, and denied me access to withdrawal or made transfer I have called them to fix it but no sign of help from their customer support, No timeframe was given to me and I do not have any more money, my bills are coming up, rent and school fees I am very frustrated The bank is not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611XXXX states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX  and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX  and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Product: Credit reporting or other personal consumer reports

To whom it may concern on XXXX XXXX, I sent a certified letter to XXXX  asking XXXX  to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and XXXX  to validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with XXXX. They sent me a application I filed out for a auto loan the application is not with XXXX  nor has XXXX  name on the application. I have no contract between myself and XXXX  directly. I paid XXXX  {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract XXXX  name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.
Product: Money transfer, virtual currency, or money service

Cashapp has been scamming and unable to give me any answers for years and then shut down my account.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I sent out dispute letters but have yet to get any answers. Sent the letters out in XXXX of this year
Product: Student loan

I am currenlty awaiting forgiveness for my PSLF loans. I have gotten NO information or update for over 90 days and am told to put in " complaints '', which keep getting closed without response. Here are the main details : - I am now passed my 120 " payments '', which my 120th hit on XX/XX/year>. 
- My employment certification is valid and was processed as of XX/XX/year>. 
- The months of XXXX and XX/XX/year>, which is when everything changed from Mohela to Fed Aid, were supposed to be counted towards PSLF ( I have this in writing via email from Mohela ). This would have been my XXXX and XXXX payment. 
- The month of XX/XX/year> our accounts were put in forebearance due to the SAVE plan being blocked. 
- On XX/XX/year> my PSLF Buy Back request for the one month, of XX/XX/year>, was " accepted '' and has been " under review '' since then with no update and countless calls and chats. 

Everytime I call, I am told to wait longer, that there are delays, or that counts are still being updated. I was initally told it would take 30 business days, then told 60, and the other day just told it would take 90 days. No matter how long at this point, I've surpassed all those time frames and my case is still " pending '' and " under review ''. I'm currently at 117 payments, 2 payments are just missing from my account altogether, and there is only 1 payment I am waiting to get approval for on the Buy Back due to the SAVE plan being haulted.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CAINE & WEINER XXXX ***** Balance {$1500.00} - Opened XXXX XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX CAINE & WEINER ( XXXX XXXX ) ***** Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted all three major credit bureaus ( XXXX, XXXX and XXXX ) and requested a complete validation of supposed debt by investigating, the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. When disputed the results from XXXX and XXXX were complete without correct within 24 hours unchanged. XXXX did update by removing this supposed debt from my XXXX credit file. The other companies involved are : Caine & Weiner and I have reached out to them requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received this information. I contacted them to be told all they have is an invoice to send me and that proves I owe it. My letter also stated that If their office fails to respond to the VALDATION request within 30 days from the date of mailing, all references to this account must be deleted and completely removed from my credit file and a copy of deletion request sent to me immediately. They again continued to list this unvalidated debt on my credit file and again just sent me an invoice.
Product: Checking or savings account

On XX/XX/2018 Bank of America declined a transaction, sending a text for fraud verification claiming that it was because I hadnt made a purchase from XXXX in a previous month, and that {$180.00} was a suspicious amount to spend. This policy was never announced or explained in writing. The transaction could not take place after the text verification ( time sensitive on product demand through online raffle ) and I lost the opportunity to purchase a product that now immediately resells for {$450.00}. I lost {$250.00} profit because BoA wouldnt even temporarily authorize a purchase I could pay twice over when I had not asked for a fraud alert or been involved in any fraud or lost card. They are protecting my account from only me allowing other BoA customers to make the same purchase claiming that its because XXXX ( ironically ) and other fraudulent activity at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report. 
8. Validate Account Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11.Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Back in XXXX of this year, Bank of America began charging me fees of {$25.00} a month for my " advantage with tiered interest checking '' account. I have had this account since XXXX and never paid fees, it existed prior to their preferred rewards program. When I called to resolve this issue, the representative said she would be able to reverse the fees. I immediately saw a {$50.00} credit, but she said she had made an error on the third fee, but had resubmitted it and I should see it process in 2-3 business days. 


Their explanation for the appearance of the fees was that my average daily balance had dipped below the $ XXXX required for the preferred rewards program and without that, I no longer qualified for waiving the maintenance fee. 


I questioned why my account would have a maintenance fee for falling below $ XXXX when the terms for an " advantage with tiered interest checking '' it states : " {$5000.00} or more average daily balance in checking or linked Regular Savings '' This particular checking account does not often have $ XXXX in it, but I have several other accounts at BofA and combined, they are always well above that threshold. 


I made a followup call inquiring about the remaining {$25.00} that was not refunded and eventually spoke to a supervisor who assured me they would review the phone transcript and refund the {$25.00} if the representative had indeed promised I would get the refund, this was XX/XX/XXXX. 


Today, I was checking to see if there was any change in the account and see that the account was changed from " advantage tiered checking '' to " advantage relationship banking ''. This was not a change that was discussed with me and I did not authorize it. This is an account type that is no longer available and I am upset that it was changed without my consent because the required daily balance to avoid fees for " relationship banking '' is double ( $ XXXX ) that required for " advantage tiered checking '' ( $ XXXX ). 


In addition, they are telling me that they " reviewed '' the case and will not be refunding the {$25.00} fee from XXXX, despite the supervisor on XXXX and the rep on XX/XX/XXXX telling me they would refund it. The supervisor also told me that in his system, my account has been advantage relationship banking as far back as XXXX, which is completely false. I downloaded my three most recent statements that show " advantage tiered checking '' as account type. 


link to their fees page : https : //www.bankofamerica.com/deposits/account-fees/ I uploaded screenshots showing the change in my account type compared to what appeared on my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Debt collection

My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities. 

It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted identity theft report with ID and they still left the identity theft on my credit report. And inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account XXXX XXXX XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

DIRECT DEPOSITS ARE NOT POSTING TO OUR ACCOUNTS AMERICAN EXPRESS SERVE THE COMPANY HAS TWEETED OUT THEY ARE AWARE OF THE PROBLEM AND WORKING ON IT HAS BEEN OVER 72 HOURS American Express Verified account @ AmericanExpress 6h6 hours ago Were aware of an interruption to direct deposits affecting Personal Savings, Bluebird, and Serve customers. Please know your funds are safe. Were working w/ our partners to resolve the issue. We apologize for the inconvenience.
Product: Credit reporting or other personal consumer reports

This is shocking, to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief and that I may be already a victim of identity theft adding unnecessary stress and XXXX to my life.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Product: Mortgage

Dear Madam or Sir, I find I had by cheated, I want compliant Bank of America mortgage department. My refinance loan number is XXXX. I request BOA refund my prepaid appraisal fee {$470.00}. 

When I found my refinance loans amount having {$870.00} different, I want cancelled my case, I told with mortgage loan officer ( XXXX XXXX XXXX ) of BOA for the loan amount I want cancel my case, but after she agree the loan amount is {$220000.00} at XXXX XXXX, 2016, so next day I went to BOA office sign IRS documents. Then XXXX following processed the next step call appraisal schedule to my house value. When I received the BOA report found the loan amount did n't correction for change. 
After the house appraiser value of my house, I got the house value was {$540000.00} over 50 % for my loan amount, but XXXX called me I need replacement for my fences, I think it is unreasonable request, it is hard to accept, because the old fence has been deducted value from the total value of the house. 
I thought about my case, if the loan officer did n't agree my loan amount she can made the case cancel when I request, no need the house appraisers take my house value, so I no need pay the appraisal fee. Then she conduct the appraiser for my house after then picky on my house made more request of my house, after that I cancelled my case. 
When I complain with XXXX XXXX XXXX and BOA services survey, never got any respond. 
I felt very uncomfortable and unfair, the BOA give to me unreasonable request. So I request BOA refund my prepaid fee {$470.00}. 
I want get government help for my case. Thank you so much. 


sincerely yours, House Owner : XXXX XXXX XXXX Email : XXXXXXXXXXXX Cell : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My refinance loan number is XXXX
Product: Mortgage

I am trying to get the mortgage company to end my enrollment in their bimonthly auto pay program wherein they charge me an additional XXXX XXXXXXXX. I've submitted XXXX written requests and received a generic reply that they will get back with me in XXXX to XXXX business days but the request never goes any further.
Product: Money transfer, virtual currency, or money service

VENMO ACCOUNT OPENED IN MY NAME USING EMAIL ADDRESS XXXX. REQUEST TO CLOSE ACCOUNT WAS SENT XXXX XXXX XXXX. INSTEAD, VENMO RESPONDED WITH CHANGING THE EMAIL ADDRESS WITHOUT BEING PROVIDED A DIFFERENT EMAIL ADDRESS TO CHANGE THE ACCOUNT. NOTIFIED ANOTHER VENMO REPRESENTATIVE THE ACCOUNT IS FRAUDULENT AS NO ACCOUNT ACTIVITY EXISTS AND THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT IS INCORRECT. MULTIPLE ATTEMPTS HAVE BEEN SEEN TO FEDERAL AGENCIES NOTIFYING OF IDENTITY THEFT AND THE REPORTS JUST SAT IN THE QUE. ATTEMPTS TO ACCESS PROTECTED FUNDS MAY NE ASSOCIATED WITH FRAUDULENT ACCOUNTS IN ROYAL MEMBER NAMES OR INDIVIDUALS GIVEN PROTECTED STATUTES.