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

XXXX XXXX account number XXXX was not properly investigated. 

XXXX XXXX XXXX account was not properly deleted or investigated XXXX XXXX XXXX XXXX XXXX XXXX account was not properly deleted or investigated XXXX
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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 or other personal consumer reports

I asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.
Product: Debt collection

Step 1 : What is this complaint about? 

Bank of America made a {$6000.00} unauthorized withdrawal taking all my funds but {$100.00} from my personal accounts to pay a business credit card debt that the bank was not servicing. 

Step 2 : What type of problem are you having? 
Could not pay regular household expense Step 3 : What happened? 
After having a business accounts hacked and replace three times, I was reluctant to transact business over the phone and going to the branch to transact payments to the business credit card and the branch would communicate that they are no longer servicing the account, which was in a payment arrangement. As a result a few months went by and to my surprise, BofA took most of my money in my checking and savings account. 


Step 4 : What company is this complaint about? 
Bank of America Step 5 : Who are the people involved?

Collections Department
Product: Mortgage

I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.
Product: Credit card

Hello! 

XXXX. I am XXXX XXXX, I live in XXXX NY, XXXX XXXX in the rural area blanketed by snow and ice and really cold weather in XXXX and XX/XX/XXXX and now again in XX/XX/XXXX. FEMA approved me as an individual victim of the Deadly winter Storms of XXXX FEMA Disaster XXXX, but, Apple Titanium Credit Card run by Goldman Sachs does not know how to give me a three month hiatus on payments to them nor the 3 months of interest and late charge free benefits as a victim of these National Disasters. 

2.Plus, I am XXXX and they do not allow me to request a " reasonable accommodation " under the law as a 100 % XXXX person. That is a violation of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Goldman Told me I am crazy and not allowed to get any benefits. 

XXXX, Plus, as a Senior XXXX person in XXXX, I am allowed to request special services so when I am injured as I was recently, I can get a waiver of interest and payments in a special assistance plan, which apparently I dont qualify for because Goldman told me that they do not help XXXX people in the Apple Credit Card program. 

XXXX the Apple Titanium CC program joint venture apparently has been dissolved by Goldman so there are NO more phone calls servicing available I have spent the past year calling these people and the Supervisor line is non existant anymore. I want a courtesy inconvenience credit for failing to answer at least thirty phone calls per day for the past month of XXXX.. 

So, I expect to recover from the Disaster and my injury in the next few months, No one in Goldman knows how to apply Disaster Relief nor XXXX Relief under XXXX nor acceptance into any program to waive fees and interest for three months as the law states. 

Can you help me convince Apple and Goldman that XXXX people stuck in the Disaster Area with ten feet of snow need a helping hand? 

The FEMA Disaster Approval code for these winter storms is XXXX. as well as a second disaster in XX/XX/XXXX. I filed complaint for disaster aid # XXXX
Product: Mortgage

My mortgage is a XXXX renovation loan, now service by American financial resources. The total amount of the loan was {$30000.00}. Initial payment was made, {$15000.00} was paid to XXXX at the close of escrow. The remaining balance and final draw of {$14000.00} was requested upon completion of the renovations on XX/XX/22. XXXX, specifically XXXX, claims that documents are not received or are incomplete, incorrect, under review. XXXX is refusing to pay the XXXX as stipulated in the XXXX loan. Further I am obligated to continue to make mortgage payments on monies not received.
Product: Credit card

Approximately a year ago, I uncovered that my identity had been compromised through unauthorized account opening using my personal information. Despite reporting this incident to AFFIRM and providing supporting documentation, the account in question remained on my credit report. This discovery has resurfaced my concerns about the unresolved identity theft issue. I am reaching out once again to address this matter and seek your urgent assistance in rectifying this erroneous association with my identity. Enclosed with this letter is a copy of the police report I filed when I initially discovered the identity theft. I kindly request a prompt investigation into this matter and the removal of the fraudulent account from my credit report to restore the accuracy of my financial profile. I urge your immediate attention to this serious issue and appreciate your cooperation in resolving it expediently.
Product: Credit card

SYNCHRONY BANK CLOSED XXXX GOOD STANDING ACCTS XXXX IN CREDIT LINES WITH NO PAST DUE BALANCES. I HAVE SPENT QUITE A BIT ON ALL CARDS & MAINTAINED THEM VERY WELL .THEY STATED I AM " HIGH RISK FAILURE TO PAY ''. JUST MONTHS PRIOR, THEY GRANTED CREDIT LINE INCREASES FOR ALL OF XXXX MY ACCTS THAT IVE HAD FOR 3 YEARS. I ALSO HAVE PLENTY OF CASH FLOW WITH MY 2 COMPANIES WITH OVER XXXX A MONTH. SINCE MY XXXX XXXX WAS AROUND XXXX AT THE TIME, I APPLIED FOR 3 MORE CARDS AND WAS APPROVED WITH AN EXTRA XXXX IN CREDIT. SO. HERE 'S THE TWIST, OUT OF NOWHERE IN MID XXXX SYNCHRONY BANK CLOSED ALL XXXX ACCTS INCLUDING MY NEW ONES. I HAVE NEVER HAD LATE PAYMENTS, EVERYTHING CURRENT, 1 % UTILIZATION. I DON'T GET IT.?
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I had medical insurance at the time and it should of been covered. It has been since XX/XX/2011. I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer ReportinXXXX agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.
Product: Credit reporting or other personal consumer reports

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX XXXX and XXXX for failing to remove inaccurate information from my credit report. I have reached out to each of theres companies several times in the year of 2024 in months of XXXX, XXXX, XXXX and XXXX. I have requested these companies to provide me with accurate information stating that the information reported if accurate.
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 violates the 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused a significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

My vehicle was repossessed after talking to them and working on my payment with them. Then they made it difficult for me to get my truck back. Then never informed me properly by Florida law that the truck was going up for auction. They say I still owe them money even after they sold my truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX  account number XXXX Balance XXXX XXXX XXXX has placed multiple accts on on my XXXX XXXX XXXX  has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX dollars, XXXX XXXX XXXX  XXXX account number XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account number XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights 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, credit repair services, or other personal consumer reports

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Product: Checking or savings account

I XXXX XXXX CEO of XXXX XXXX XXXX dba XXXX XXXX XXXX disbursed to our student XXXX XXXX a check for the FEDERAL HEERF Grant for {$1200.00} dated XX/XX/20 and it was cleared and taken from our business account at XXXX XXXX on XX/XX/20. The XXXX bank ( XXXX, Ca ) at first said it would be up to a 10 day hold. On XX/XX/20 they gave her a letter that said her account was being investigated for fraud. Then on XX/XX/20 the branch manager that the account was closed and the check was returned. It is now XX/XX/20 I have not received the funds back from BBVA and BBVA held onto my funds for 14 business days. Our student is an XXXX XXXX XXXX and I believe they started this fraud claim due to discrimination of her race. None of our other students have had any issues depositing these checks and we have sent 104 of HEERF Grant checks. The Department of Education created the HEERF grant to alleviate student financial problems during the  COVID-19 pandemic. XXXX XXXX XXXX disbursed the HEERF grants as quickly as possible to alleviate our students dire needs. The branch manager 's name is XXXX and has not been supportive or respondent. The XXXX, Ca BBVA branch is responsible for withholding government funds due to XXXX XXXX during a pandemic. This is a more detailed complain that I had submitted previously which was closed without returning the government funds. BBVA closed the complaint for not having authorization from XXXX XXXX but did not request authorization. I have attached authorization from XXXX XXXX to file and investigate this complaint on her behalf.
Product: Debt collection

I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.
Product: Credit card

I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.
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. 

Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year>, about inaccuracies on my credit report and have yet to receive a response. The continued reporting of incorrect information is unacceptable and violates my rights. 

I demand that you : Correct or delete the inaccurate information immediately. 
Provide proof of validation if the information is accurate. 
If this issue is not resolved within XXXX days, I will escalate the matter to regulatory authorities. 

Please confirm receipt and action taken.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. The hard inquiries marks are found on my credit reports by your company or the company you represent, this is Violation of the Fair Debt Collection Practices Act and Defamation of Character.

If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.

During this validation period, if any action is not taken this is considered detrimental to any of my credit reports. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.