23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - In reference to my compliant ID number XXXX. XXXX XXXX responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by XXXX XXXX. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the XXXX payment history date and amount of days late. The Equifax report is saying 60 and 90 days late and the XXXX financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that XXXX is report false information to my credit reports sence XXXX.
Product: Debt collection

Resurgent capital services set up a payment plan for XXXX seperate accounts totalling XXXX XXXXXXXX. XXXX XXXX XXXX made XXXX XXXX payment plan for me.

I also have a payment plan with XXXX XXXX XXXX XXXX  threatened me several times with court appearances. I was told that I was not cooperative, and that I was not acting like I wanted to clear this matter up. They said they would let the judge decide if I should go to jail.

I felt That I had no choice, I was going through the system at a homeless shelter. I was trying to make my life better and felt any negative marks would make it much harder to get housing.

I have been making these payments for XXXX or more months. It is causing me hardship. I live on a XXXX XXXX monthly XXXX XXXX XXXX. I can not get food stamps. I go to as many food pantries as I am able. 
I have hired XXXX XXXX to help me clear this mess up
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX XXXX and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.
Product: Credit reporting

I have disputed this bankruptcy with Transunion and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. Not the bankruptcy courts. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to the bureaus and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account. A third party is hear say and is not validation. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid.
Product: Checking or savings account

Complaint against Bank of America ( BOA ) for inadequate investigation of fraud claim # XXXX To Whom It May Concern, I am writing to file a complaint against Bank of America ( BOA ) concerning my fraud claim, filed on XX/XX/2023, with claim number # XXXX. I have reason to believe that the investigation carried out by BOA was insufficient and that their decision to deny my claim is incorrect. The claim involves over XXXX fraudulent charges on my account, which I did not authorize. Despite the complexity and sheer number of transactions involved, BOA quickly concluded their investigation, denying my claim on the grounds that the charges were authorized by me or someone with permission to use my card. 

Here are my specific concerns : Timeframe of Investigation : Given the large number of fraudulent charges, I find it highly unlikely that a thorough investigation could be completed so quickly. 


Absence of Proof : BOA has not presented any definitive evidence, such as a signed receipt or contract, to substantiate that I or anyone authorized by me conducted these transactions. 


Statements Unchecked : I was enrolled in XXXX  classes at XXXX  during the timeframe of these charges and did not receive the monthly account statements that BOA claims were sent to me. Therefore, I was unable to promptly identify and report the fraudulent activities. 


Unauthorized Use of XXXX XXXX : I have never owned or operated a XXXX XXXX account, which is reportedly involved in these transactions. This fact by itself should raise serious doubts about BOA 's conclusion. 


For the above reasons, I am requesting that the CFPB : Direct Bank of America to reopen and adequately investigate my fraud claim. 


Require BOA to provide a detailed account of their investigation process, including any evidence used in their initial decision. 


Take any other appropriate action to ensure that my case and future cases are handled in a fair and transparent manner. 


I am attaching relevant documentation to substantiate my claims, including my student  enrollment proof and any communication I have had with BOA regarding this matter. 
Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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