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

In XXXX, I opened a XXXX business, a Limited Liability Corporation named XXXX XXXX. At that time, I opened a bank account with Bank of America. At the same time, I also opened a personal bank account not tied to the business. Everything was going great for a bit, and I even took out a loan from XXXX XXXX XXXX to expand the business. Then COVID-19 hit. The city did not consider us an essential business, so we had to close for some time. Unfortunately, we were not able to reopen, and the business has been closed since XXXX. 

I received a notice from XXXX XXXX  last month XXXX stating that they were suing XXXX XXXX for rest of the amount of the loan that we had taken out for the business. I never received any communication about a garnishment of any sort. However, I did not hear back from them after that. Since the close of the business, I went back to work at XXXX XXXX. I have been having my paychecks direct deposited to my Bank of America personal bank account. On XX/XX/XXXX, I had my paycheck deposited as usual to my account. However, I noticed that there was hold on my account and my paycheck had deposited but was on hold. 

It took me all day trying to call the bank and was unable to get through. I then went to the bank branch here in XXXX, MO. I asked to speak to the branch manager. The manager said that there was nothing he could do and that they received a garnishment court order from some court in Maryland and they garnished the money as a result of that. He told me to contact the court in Maryland about my issue. He would not even provide me with the court order the Bank had received, as I have not received one. 
I did not receive any notification on a garnishment from either XXXX XXXX  or from Bank of America about a garnishment. 

This also happened at the beginning of the month, and I needed that money to pay my rent and utilities. As it stands, I am unable to pay my rent and I am facing eviction. I am also facing the possibility of having my utilities disconnected and my car repossessed, as I was also planning on making my car payment with that paycheck. The Bank manager said that they must keep taking all my paychecks until the total amount of {$5500.00} is satisfied. 

I was not aware that a bank can just allow anybody access to your personal bank account and take your money without any notification. I also was not aware that even though my company was set up as an LLC, anyone can just access my personal bank account. The bank did not even check with me to make sure this was a legitimate thing, as I was in communication with XXXX XXXX  to try to resolve the issue as first, I do not agree with the amount they are trying to collect, and secondly, we had previously agreed on a payment plan of some sort. 

My research shows that Bank of America has gotten into trouble with regulators before for the same thing and had to pay a {$10.00} million fine as a result. Obviously, Bank of America does not care either way. I am hoping there is some recourse to this as I am looking at probably becoming homeless here in the next few weeks. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX  I was going over my company 's BP Business Solutions Card Statement when I noticed that there were 2 charges for fuel purchases of {$500.00}. One was on XXXX  and the other was on XX/XX/XXXX from different XXXX locations. The same day I called BP to dispute the charges. I have been with them for 5 or more years and my fuel purchases never run over {$45.00} or {$50.00}. I told them that these were not my company 's purchases. The BP Representative asked me many questions and when I had answered them, he said I would be contacted by BP after their investigation was completed. Can't remember the exact amount of time they told me but when I didn't hear back from them, I called BP. When I asked the BP Representative about the progress of the investigation, he told me the case was closed because they did not receive the documents, they emailed to me to sign and return to them. When I told him that I was never instructed to sign anything and that the email they sent me said only that documentation for both disputes was attached, which I took to be copies of the dispute taken over the phone, he said there was nothing he could do, and the case was closed. I also talked to the representative 's manager who told me the same thing. Additionally, I followed up with and email on XX/XX/XXXX and did not get a response. 
Recently, I found your website hoping that you would be able to help me with this situation. I called and was told to fill out a complaint form online. I am attaching copies of BP Mastercard dispute information emailed to me and my email response to them requesting that the case be reopened based on my explanation as stated above.
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding the verification practices of the XXXX major credit bureaus : XXXX, Equifax, and XXXX. I believe that my consumer rights have been violated in the course of my attempts to dispute inaccurate information on my credit report. 

On XX/XX/year>, I sent notarized affidavits to all three credit bureaus requesting that they provide detailed information regarding the verification methods used to substantiate the accounts listed on my credit report. Unfortunately, despite repeated requests, I have yet to receive any substantive evidence to support the accuracy of these accounts. 

I have sent a total of XXXX affidavits to each credit bureau, all of which were sent by certified mail and included a notarized signature. Each affidavit specifically requested proof of verification sent to my address for the disputed accounts. However, the only response I have received is a generic statement affirming the accuracy of the accounts without providing any supporting documentation. 

I believe that the credit bureaus ' failure to provide adequate verification for the disputed accounts constitutes a violation of my consumer rights. I am requesting an investigation into this matter and take appropriate action to hold the credit bureaus accountable for their practices. 


Timeline of Events : XX/XX/year> : Sent initial affidavits to XXXX, Equifax, and XXXX. 
XX/XX/year> : Sent second affidavits to XXXX and XXXX. 
XX/XX/year> : Sent second affidavit to Equifax. 
XX/XX/year> : Sent third affidavits to all three credit bureaus. 

As of XX/XX/year>, I have yet to receive any substantive response from the credit bureaus regarding my requests for verification. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX contacted XXXX, EXPERIAN, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX XXXXXXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

EXPERIAN IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of 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 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We are XXXX , XXXX property owners of unit located at building XXXX Florida, XXXX. XXXX is the borrower on loan # XXXX with Penny Mac. After 3 unsuccessful attempts at Loan Modifications, we initiated a short sale negotiation with that lender, In XX/XX/XXXX. We diligently sent to the lender all the documentation it required for its evaluation of our short sale proposal and followed the lender 's instructions on the listing of the property for sale. The lender commissioned a XXXX ( XXXX ) and it was done in XX/XX/XXXX. The property was listed for sale in the open market for {$130000.00} based on the last sale ( {$140000.00} ) done in the same building with the same apartment dimensions XX/XX/XXXX in a higher floor ( # 507 ), in XX/XX/XXXX. The highest offer received was {$140000.00}. That offer was submitted to the lender and it was rejected. That buyer counter offered at {$140000.00} and would assume payment of the past due {$33000.00} in condominium maintenance fees plus {$15000.00} in repairs that are needed in the unit. The lender responded, wanting {$270000.00}. I questioned their basis for their estimate and the lender sent back comparable on luxurious buildings that were not within the same price range and did not have the same accommodations as the subject unit. I responded with a comparable sales report of 2 units in the same building ; one was a XX/XX/XXXX ( unit # 507 ) in a higher floor, sold in XX/XX/XXXX for {$140000.00} and the other was a fully-remodeled XX/XX/XXXX ( unit # 604 ) in a higher floor, sold in XX/XX/XXXX for {$160000.00}. The lender replied with another counter offer, for {$210000.00} on XX/XX/XXXX. The unit was thereafter listed for sale for {$210000.00}. No one has asked to be shown the unit or made an offer for that price or any price since that listing. I repeatedly pointed out this to the lender, throughout the many telephone conversations we 've had since XX/XX/XXXX. I have also requested in several occasions to escalate the file for a price review and also asked for the contact information for the investor who owns this mortgage, as each request for a price review was not answered with any grounds supporting the {$210000.00} price. The lender 's representatives told me I needed to send a fax requesting the contact information and that a prompt response would be sent back to me. None was ever sent in response to my fax. Each time I telephoned to ascertain why the contact information had not been sent, I was informed it would be sent to my XXXX address the lender has on file for me. None has been received. I feel we have not been fairly treated, despite our best efforts to fulfill the short sale requirements. We have a buyer who is still interested in buying the property, the sale price is within the range of the market value, as confirmed by the comparable sales provided to the lender, and the buyer is also assuming the payment of the {$33000.00} in condominium maintenance fees and the {$15000.00} cost of the repairs needed by the unit. 

XXXX FL XXXX Telephone : XXXX
Product: Money transfer, virtual currency, or money service

I need to update my last name with Coinbase. I have submitted required documentation to them several times, and it has been rejected every time. My first record of this rejection was on XX/XX/XXXX ( twice ) and XX/XX/XXXX ( 4 times ). 

I submitted a help request on XX/XX/XXXX ( Case # XXXX - Got married, changed last name ) and got no resolution. The ticket was then closed by Coinbase completely unresolved. 
I submitted an additional request on XX/XX/XXXX ( Case # XXXX - Issues updating legal name ) and, after repeated requests, on XX/XX/XXXX they told me they couldn't update my name because my driver 's license is expired. It's not expired. It expires in 4 months. 

I don't know how to change my name to ensure that I can retrieve my funds. This lack of service and rejection of accurate data feels deceptive at best.
Product: Credit card or prepaid card

To whom this concerns : We went through XXXX XXXX to order our kitchen cabinets, sinks, livingroom cabinets, laundry room cabinets and sink, 5 toilets, vanities and many of the items needed for our home build. I am very disappointed with the service and follow up nearing the end of the installation process.

For our kitchen, many of the items ordered were the wrong sizes, came damaged and when we called to see the estimated time-line we could not get ahold of anyone at the XXXX XXXX XXXX XXXX Even though we purchased our XXXX farmhouse sinks from XXXX at XXXX, the wrong sink cabinets were ordered delaying our kitchen install by a month and a half. The same happened for our filler and panels, many of the items ordered were incorrect colors, sizes, were never ordered or never arrived ( even to this day ). 
We started the entire kitchen process back in XX/XX/2022, and have yet to finish the kitchen, Laundry-room and living room bookshelves. 
We provided XXXX XXXX all the specs of our appliances that were purchased over a year ago, yet the wrong refrigerator framing was ordered. We are still awaiting the correct framing, although no one knows if it's actually been ordered. We spoke with XXXX at the XXXX store and he could not give us any information ; we called the installation number and the representative said there were no outstanding orders. 

Also, we ordered a spice rack and it is missing, and there isn't a cabinet to fit it. We have a cutting board with no where to put it, and the wrong silverware organizer ( too small for all the drawers ). The wrong items -- the wrong sizes. 
I am very upset with the handling of my complaint. We still have the wrong items, and no tracking number for the fridge frame. Our kitchen looks horrible and we are hosting for XXXX. This is outrageous and egregious customer service. 
Again, we are very disappointed with the service given us, especially since we have spent so much money at XXXX for our home build. It is very difficult getting any resolution in a timely manner and we are exhausted calling and visiting the store for answers. 
Our typical hold times are XXXX hours and when we go in person most of the management is away or in meetings for an hour+. 

We have a garage full of wrong items that we are being charged for on our XXXX card. We asked for itemization and for these items to be removed and customer service is not calling us back or providing this information. 

We are seeking immediate attention to our kitchen project and a speedy resolution to these outstanding issues mentioned above. We also want the wrong items to be removed from our bill. If they can not do this we need a reduction of the charges as we will have to hire a private XXXX to finish the job and provide the right materials. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
Product: Mortgage

The loan agreement that we have states that there is no pre-payment penalty. However, when received our 1st statement, it states that the loan has a pre-payment penalty. In addition, we did not receive cost of borrowing disclosures prior to the date of closing. All final documents were received on the date of closing.
Product: Debt collection

Theres a huge mistake in my credit report with the company P & B CAPITAL GROUP LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who obtained a supoused debt from XXXX XXXX ( Retail ), i disputed this with XXXX because as you can see in my credit report i pay all my bills in time, have never been late with anything, i take good care of my credit so i started digging and seems to be a furniture store that deliver some things to my old address. Im not sure what is going on but i can assure this debit is not mine.and it needs. the company needs to investigate this further and see who is responsible from that debt because is showing in my report with a lawyer and collection agency and like i said before i have never missed a payment and my credit history shows it. i just finished paying off a vehicle that i had years left to pay but i dont like to have debts so i paid it off. please investigate this matter and correct this as possible. 
because the credit agency that is reporting this only says the company says is a valid debt. It is not mine or valid from me please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, personal loan, or advance loan

I fell behind on my payments due to ongoing XXXX  issues that cause me to be in and out off work, Since the payment was to high I wasnt able to catchup on payments. One main was constantly calling me during working hours causing me problems with my employer. I asked them to please dont contact me during working hours but they continue to call me from multiple numbers. theThe principal balance hardly moved with each payment. loan went to a third party collection i did not authorize since i was actively trying to work with one main.

One main eventually filed a lawsuit. In the lawsuit it stated i was not a family member or spouse of an XXXX XXXX Member. My husband is currently XXXX XXXX. I believe they violated my rights to help me with my loan issue utilizing the XXXX. 

I was served papers XXXX XXXX XXXX current balance of {$6900.00} with 35 % APR.
Product: Credit card or prepaid card

I have 3 credit cards with Capital One that have ALWAYS been in good standing since they were opened, not one missed payment on any of them ever. All three cards were restricted to where I was not able to use them anymore. When I called them to rectify the issue, they said they closed them to prevent fraud. I asked them what fraud was on the account because I looked over my transaction history and saw no unauthorized charges. 

They said there was no fraudulent activity but they wanted to know if i added the authorized users onto my accounts. I explained that I did and that was legitimate and not fraudulent. They refused to accept that as an answer even after an exhaustive process to prove that I was the account owner. 

They then went on to say they needed ID 's for EVERY authorized user I had added over the course of years. I let them know that they were contract workers that I had hired and I no longer had those documents for them. They then said they would keep the accounts restricted. 

Fast forward to today, XX/XX/2020, and I receive a letter in the mail telling me to call them to resolve the issue or the account would be closed in 45 days. I called them and they said they just needed me to send them my driver 's license to fix the issues. They then sent me a secure link to upload said document. 

I then told them that I had 2 other accounts and would this clear all of them up or just the initial one we were discussing? She asked to place me on hold. They placed me on hold for about half an hour and when she returned, it was the same story that they had  explained to me months ago, that they would close the accounts if i did not send in ID 's for EVERYONE ever on the account. I asked her why she wouldn't have told me that initially rather than have me spend 45 mins total on the phone with them this morning?

Now they are saying they will close these accounts on me. One of these accounts is my oldest card that I own, and because of credit scoring algorithms, this will destroy my hard earned good credit rating that I worked years to establish! It will also lower my available  credit by about {$25000.00} which will also have a huge impact on my credit score. How can a company do this to a consumer who has NEVER missed a payment, has never had any fraud on their account for all the years the account was open? To destroy someone's credit score for no reason during a global pandemic when someone is trying to refinance their house is cruel and criminal.
Product: Money transfer, virtual currency, or money service

Moneygram online services. Attempted transfer to Debit card in XXXX. Promised availability for same day however it has been XXXX weeks since initial date of transfer, it has not been completed or received as intended and Moneygram refuses to refund my money. I verified all the information prior to starting the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/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