23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my Bank of America account XXXX XXXX XXXX Account XXXX I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XXXX. I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America XXXX and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and XXXX Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. Bank of America never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XX/XX/2023 I was contacted by XXXX XXXX Resolution XXXX at XXXX of XXXX XXXX She told XXXX Bank of America is not going to get my money back from XXXX bank. She stated I can call XXXX Bank and ask for my money back. 

I contacted XXXX Bank and was told these claims are handle bank to bank. I was told by XXXX bank I can not do anything and to have my bank contact XXXX Bank. Bank of America is giving me inaccurate information in an effort to circumvent returning my money and closing my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. Please provide me with all verifiable proof. 



XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I took my California issued unemployment prepaid card to a Bank of America drive-thru ATM to withdraw an amount of {$800.00} to pay for my rent. Upon initiating the transaction the ATM box stalls for a second and then complete transaction but dispenses me no money and only a receipt. At that point I contact a Bank of America rep by calling the number listed on the ATM box who then advises mean to go within the branch and notify them because within his system he stated he could see the transaction had completed and the money was withdrawn from my account but no cash was dispensed at that point. If I'm going inside the branch and ATM teller tells me there's nothing that they can do as they do not service the EDD card so then I am advised to contact a number on the back of the card when doing so I was told I needed to file a claim I went ahead and start the process a filing a claim and have been waiting almost two weeks now and just as of today the XXXX of XX/XX/2020 my card company advises me that my provisional credit has been denied and that it is customer reliable which makes absolutely no sense because there are cameras surrounding the bank area and if the investigation was thorough as the state it would be then they should be able to see that no cash was given at that point when I was at the ATM and I should have been issued my money in return.
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 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 an 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. 

This is the exact account held by XXXX XXXX that was disputed and removed from my report on XX/XX/2022. This has just been bought and placed on my credit report again, without any validation, verification, notice, communication whatsoever provided to me, but was allowed to be placed on my credit report by Experian, with recent knowledge of its inaccuracy, which is a violation.
Product: Student loan

I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX  XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

About a year ago, XXXXXXXX XXXX  declined my application for a XXXX. They disclosed they used information from LexisNexis/XXXX. When I requested the my consumer report from this consumer reporting agency, I found numerous entries with wrong or inaccurate information such records of another person 's name and address, emails, I have never used ; phone numbers I have never had. I have filed more about three disputes to remove this incorrect/inaccurate information. Each time the updated report returns with the same information ; no deletions. The only deletion that was made was an old bankruptcy filing that was still on my consumer report beyond the 7 year deadline for deletion of a XXXX XXXX Bankruptcy. It took me to file a dispute twice before it was deleted. 
This consumer reporting agency has more than 50 pages for each of their reports. So far, I have disputed content in my California consumer report because it is shorter. The problem with disputing with this agency is there is no written form to complete to file a dispute. You have to orally file your dispute line by line with a representative in real time over the phone. This can be tedious and quite frankly, I do not feel that he or she is effectively making note of the stated disputes, which is why I believe the records are unchanged or remains on the file. On XX/XX/23, XXXX XXXX called me to verify my address on file with them because they received a notice from XXXX that my address had changed. When in actuality, XXXX was trying to verify an old address in my file. This not the way to address a consumer 's dispute of their file.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I had a massive amount of unknown inquiries that I had no knowledge of. Once I found out about this I then put a lock on my social security number and started to reach out to some of these companies. I then realized that it would be a lengthy process because they gave me the run around. These inquiries are hurting my score as well as impeding my progress to furthering my family and myself financially. 

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: Mortgage

My mortgage loan was transferred from XXXX XXXX to Select Portfolio Servicing in XXXX of XXXX. Somehow Select Portfolio Servicing added an additonal {$2900.00} to the loan as attorney fees for a foreclosure which was dismissed one year prior to the transfer of my loan. 

I had appeared before Judge XXXX XXXX XXXX, Circuit Court oXXXX XXXX XXXX, Illinois, chancery Division Mortgage Foreclosure Section on Monday, XX/XX/XXXX for a foreclosure preliminary hearing and was referred to XXXX XXXX XXXXXXXX XXXX XXXX  attorney for XXXX XXXX XXXX XXXX. After contacting XXXX XXXX XXXX in writing the foreclosure case was dismissed on XX/XX/XXXX, eight months prior to being transferred to SPS. ( See attached XXXX XXXX XXXX. XXXX. ) Also, loan deferrment agreement between XXXX XXXX XXXX and XXXX XXXX XXXX list attorney fees at {$470.00}. ( See attached ) I also contacted XXXX XXXX XXXX who attest fact that only the loan amount of {$49000.00} ( the loan balance ), and {$470.00} ( attorney fees ) were transferred with the loan and they did fax me a copy of that transaction. ( See attached )
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your immediate attention a serious violation of the Fair Credit Reporting Act ( FCRA ) committed by Bank of America ( BoA ), specifically regarding the furnishing of a credit report to consumer reporting agencies that contains transactions and experiences, which includes a reported balance, available credit, high credit, credit limit, balance, and highest balance. I, as a consumer, adamantly assert that such actions of furnishing negative information is causing substantial economic harm to myself and my household. As a result, I have suffered various harms, including the denial of new credit and increases in lines of credit. This invasion of my privacy has caused reputational, emotional, physical, and economic harm. 

I wrote a notarized letter to Bank of America on XXXX XXXX via certified mail [ # XXXX ], which was received on XX/XX/year> at XXXXXXXX XXXX concerning this issue. I referred to 15 U.S. Code 1681b ( f ) and requested their general or specific certification pursuant to Rule 1002, as required by 15 U.S. Code 1681e ( a ) to furnish information on my consumer reports. Additionally, I requested that Bank of America provides me with the tracking number and certified mail receipt of the notice of negative information that was to be provided to me, in writing, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) within the timeframe established by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ), prior to Bank of America furnishing any negative information on my consumer reports, also pursuant Rule 1002. 

To date, I have not received any of these documents. Failure to provide this documentation is an indication that Bank of America has violated 15 U.S. Code 1681e ( a ) and 15 U.S. Code 1681b ( f ). This would also indicate that 15 U.S. Code 1681q is applicable, which is tantamount to 18 U.S.C. 1028A. Under this provision, Bank of America is liable for damages pursuant 15 U.S.C. 1681n ( a ) ( 1 ) ( B ). 


References : Case Law : section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) 12 CFR Part 1022 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Product: Vehicle loan or lease

Capital One Auto Finance XXXX My vehicle was repossessed for non payment. However I was granted payment extensions for the unpaid months. My car was repossessed without reason after two months despite me having extensions. The company claims that I received 4 extensionsit was also stated by the company that I had three missed payments. They also stated that during the time of extension there were 4 insufficient funds transactions. Which were during the extension period. My last payment was made in XX/XX/2020 and my car was repossessed in XX/XX/XXXX If I was granted 4 extensions according to CAPITAL ONE auto finance. Why was my car repossessed after only 3 months. My car was sold for about XXXX leaving a balance of about XXXX left over. I am currently unable to refinance a vehicle and this is a derogatory mark on my credit. I attempted to settle but I didnt have the funds
Product: Mortgage

Hi. 

Beginning on XX/XX/XXXX my husband and I inquired about recasting with BSI Financial. While they did not get back to us ( after many tries ), they finally did on XX/XX/XXXX. 

We asked what the process was for recasting and again, took a long time to respond, but did on XX/XX/XXXX. They informed us that we needed to wire our money to them to start the process. I was not comfortable with wiring money to an account that I do not/ can not see the money once wired, so we made 2 one time payments on XX/XX/XXXX in the amount of {$80000.00}. 

On XX/XX/XXXX, BSI confirmed receipt of our funds and began the process for recasting. They shipped us documents on XX/XX/XXXX to sign, but the documents were unclear and we had some questions. They did not respond to any of these questions, so we had a lawyer review. Our lawyer responded on XX/XX/XXXX and since then, had little to no contact from BSI. Every single step of any of this transaction, we had to push and initiate from any side. At no point did BSI make any attempt to move these things along, unless we prompted them. 

After we called several times from XX/XX/XXXX, XXXX XXXX, we were notified that the person handling our account had left, but that someone would help us soon. Again, we had to prompt BSI to go handle this. All this while, our account via BSI Financial login showed that we were delinquent. After calling them several times to confirm why this was, they told us not to worry about it and we weren't being reported to the credit bureaus. 

Meanwhile, we have been paying the mortgage payments every single month on time. I always make at least {$100.00} in extra payments. This is my 4th home, by the way, and I've never missed a payment in my life. 

As of XX/XX/XXXX, my husband and I both received credit markers for missing payments. When we contacted XXXX XXXX about this, we were told that this was no big deal. Well, if you work for an audit company or a financer, it is very much a big deal, and we do work for these categories of companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately XXXX. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a fraudulent XXXX account that has been incorrectly reported on my credit reports by all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite my numerous attempts over the past two years to rectify this issue, the account remains on my credit reports, adversely affecting my credit score and overall financial health. 

Account Details : Creditor : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Background : I have repeatedly disputed this fraudulent account with each credit bureau as required by the Fair Credit Reporting Act ( FCRA ). However, my requests have not been addressed satisfactorily, and the account remains on my credit report. 

Relevant Laws and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Specifically : Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ) : Requires the prompt removal of fraudulent information from a consumer 's credit report upon receiving appropriate documentation of identity theft or fraud.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) : Mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and remove or correct any information found to be inaccurate or unverifiable. 
I have provided all necessary documentation and evidence to prove that the XXXX account is fraudulent, yet no action has been taken. 

Immediate Actions Requested : Removal of the Fraudulent Account : I demand the immediate and permanent removal of the fraudulent Avant account from my credit reports with XXXX, XXXX, and TransUnion. 
Confirmation of Removal : I request written confirmation from each credit bureau that the XXXX account has been removed and will not reappear on my credit reports. 
Preventative Measures : Ensure that any similar fraudulent activities are flagged and prevented in the future. 

Potential Consequences of Non-Compliance : If this issue is not resolved promptly, I am prepared to take the following actions : Seek legal counsel to enforce my rights under the FCRA and pursue damages for the ongoing harm caused by this fraudulent account. 
Please consider this matter with the utmost urgency. I expect a prompt resolution and confirmation of the removal of this fraudulent account within the legally stipulated time frame. 

Thank you for your immediate attention to this matter. I look forward to your swift action and resolution.
Product: Debt collection

On XX/XX/2022, I also submitted a debt validation dispute letter to SIMON 'S AGENCY INC. via certified mail : XXXX pursuant to rights under the Fair Debt Collection Practices Act. See Exhibit 1 SIMON 'S AGENCY INC. failed to respond within 30 days of receiving my debt dispute letter which would have been XX/XX/2022. Now the disputed accounts are now deemed invalid. 

On XX/XX/2022, I mailed SIMON 'S AGENCY INC. a notice informing them of their failure to validate the alleged debt and that they were in violation of my rights under the FDCPA. See Exhibit 2 SIMON 'S AGENCY INCXXXX still failed to provide proof to validate the alleged debt. SIMON 'S AGENCY INC. never provided a Letter of Sales agreement, an assignment agreement from the original creditor and never provided a copy of the original contract with my signature on it for none of the disputed accounts. 

On XX/XX/2022, I reported the furnisher and the disputed accounts to the Federal Trade Commission via a Identity Theft Report report number XXXX. I then got my official identity theft report notarized on XX/XX/2022. See Exhibit 3 On XX/XX/2022, I submitted an Identity theft dispute to XXXX. I provided XXXX with proof that I previously been in contact with SIMON 'S AGENCY INC., proof of my identity, proof of my social security number, proof of address along with a copy of my notarized FTC Identity theft report. See Exhibit 4 Then on XX/XX/2022, XXXX sent me results XXXX weeks later stating " IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY .... '' See Exhibit 5. SIMON 'S AGENCY INC. already knew how to get in contact with me. 

After failing to validate and verify the disputed accounts, SIMON 'S AGENCY INCXXXX has continuously attempted to collect the invalid and unverified disputed debts by reporting it to XXXX and XXXX.
Product: Debt collection

I don't have the letter in front of me so I don't have exacts dates but I know the time frame. 

At the beginning of the year- roughly XXXX I called to get a statement showing what were charging in interest and fees. The girl on the phone had told me it was 24.5 % but didn't actually show that anywhere. So I asked for a statement in writing showing me that's what I was being charged and when it was charged and how. She put me on hold and then got back on saying something would be sent. I did receive it. However, all they sent was a print out showing what my student loans were and what their total was. Nothing that showed what exactly they were charging. Then I received a letter stating they were reviewing my account and would contact me after it's been reviewed. I was never contacted. 

A few weeks later I received a letter from the department of education about garnishing my wages and it said I could object to it and so I filled out the form and typed out a letter stating I wasn't objecting to paying it but I was not going to pay fees in when they can't show me what they are charging, when it was or if accruing interest or fees. I also filed a complaint online on the myeddebt.com website and also made a payment through the website and not through GC Services.

Now, a few weeks after that I received another letter from GC Services in regards to my concerns to my account. This time they included a copy of student loan agreement. But again have yet to provide me with anything showing me the actual interest rate or any fees that are charging or when they have been applied. I've never disputed owing fees. All I asked for what a document saying what the fees are or the interest and when or how it's applied. Which I thought was a reasonable request, but it seems they are incapable of that and now I question why they won't put this information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I was taking advantage due to malpractice while several laws were being broken under the FCRA by your company. 

This has caused me financial Injuries also deformation of character I cant get a job, I cant apply for credit, I cant get any loans or a house for my living Stability or anything like that due to the pandemic under this crisis you had hurt my Ability to obtain credit which greatly impacted my life & well being!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXXXX/XX/XXXX{$4100.00} unpaid and have humiliated me when applying for 47 banks and being denied this is truly defamation. just got off the phone with XX/XX/XXXXXXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer