23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi ... My issue is closing the account with the correct status. 



In XXXX of XXXX I tried to close an account at a Bank of America branch in XXXX XXXX. I gave a teller cash to close out an account who only applied XXXX dollars of cash given to make a payment then closed account. After hours of back and fourth writing and communicating with Bank of America I have come to find that they did not have any correct information on file and did not update my records correctly. The teller supposedly closed the account but did not use money given to pay balance in full. Currently I have on my credit report a balance of XXXX for fees and late payment. After talking to an associate I have found that they update records in XXXX with an address i did not live in till later. I have a negative mark on my credit due to the negligence of Bank of America practices and staff. They did not close my account correctly and took my cash. It also took me over a year or so to get the full set of records I requested ... Each partial set not matching the others nor the full complete set. 

After agreeing to settle the issue last year Bank of America changed the rerecord number of my account and then re opened it and put it on my credit. I am at a loss as to what to do because they did close my account in XXXX XXXX say I made a payment when it closed but claim I was 30 days late with giving them a payment in XXXX. I would like to let you know that update records to reflect what they want and change information often to cover their tracts. 

I asked the B of A to prove to me that I only paid XXXX dollars and did not try to close the whole account with cash. They records only reflect a payment and close of account but not for the correct amount. After years of fighting it has been established I did close the account ... now they need t get the amount right. paid in full.
Product: Debt collection

Upon viewing my credit reports, Account Resolution Services is not only posting an account in the amount of {$590.00}, but they are posting it TWICE, making it look like there are two separate bills for the same amount. 

I demand to see an agreement with ARS 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. I want to see an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Moreover, Account Resolution Services did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not  be deleted within the required time allowed by law. 

I urge ARS to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit card or prepaid card

There are 2 charges on my credit card with this vendor which I am disputing. Not that anything will come out of it since this agency has been weakened and assault on taxpayers is allowed., but I will still give it a try.

I paid for 2 services with my Bloomingdales credit card. One in XXXX and the other in XXXX. The one in a XXXX was for an appraisal for a refinance. We were looking to refinance a property we were working on. The Bank we wanted to refi with notified us they were going out of business, like many banks in the secondary markets did during Covid. We had already approved Appraisal nation to conduct an appraisal for {$610.00} on our credit card. The appraisal never occurred and we definitely did not get refinanced. We filed a dispute with XXXX who is the issuer of the card. They at first provided full credit of {$610.00}. In XXXX the company appraisal nation provided a credit of {$440.00}. The company charged back the {$610.00} on XX/XX/XXXX. When I told them I had not received a full credit, they refused to credit my account back in full. I am short {$170.00} because they claim the vendor said I cancelled the appraisal. 

The second is for XXXX XXXX XXXX XXXX. We paid the balance on a work on this same project in the sum of {$1000.00}. This vendor never performed the full work and refused to perform the work according to functionality and CIty of XXXX standards. We had to pay 2 other vendors a total of {$1700.00} to get the airconditioning working so we may finally sell the house. The credit card issuer is refusing to dispute and hold the {$1000.00} charge as requested. 

I am not sure why the credit card companies are working as XXXX  XXXX  of debt for companies which they have no contract with. The contract us between the credit card holder and the vendor and the credit card company is a facillitator. Did the law change at some point? Why are citizens being subject to these assault from these companies?
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing complaint regarding EXPERIAN 's failure in handling my request to remove information from my XXXX credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, XXXX has failed to resolve the matter. XXXX 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within four business days from receipt of submission.
Product: Debt collection

{$100.00} being reported as delinquent when I didnt contract with this agency.
Product: Credit reporting or other personal consumer reports

Equifax is incorrectly reporting the account DEPT OF ED ( CLOSED ) Account Number XXXX XXXX  the account has several late payments is and is listed twice on my consumer report. This is on purpose so that Equifax can provide false information. This is lowering my credit score on purpose because the account is being factored in twice. Equifax has no regards for law. The Fair Credit report Act was enacted to govern these companies and yet Equifax has not done so. I want the proof that was used to justify these late payments and the payment amount. If it not provided I will immediately sue and request these documents in court. You will not continue to violate my rights and there be no consequences.
Product: Mortgage

I applied for a cash out refinance on X/X/17. I stated my home was worth {$200000.00}, but the appraisal came back at {$190000.00}. Originally, the loan amount would have been {$160000.00} and we were going to pay off four credit cards in the amounts of {$9100.00}, {$6500.00}, {$5300.00}, and {$4700.00} and receive {$2900.00} in cash back. After the low appraisal, the amount was changed to {$150000.00} and only three credit cards to be paid off. I spoke to XXXX, loan officer, after the appraisal was received. He stated not to worry because I would be getting an escrow refund for around {$3500.00}. When the redisclosure package was uploaded it showed the three credit cards being paid off and {$5800.00} in cash back. I spoke with XXXX, who said I would get {$5800.00} cash back and then a refund a couple weeks later for escrow in the amount of {$3700.00}. I asked if he was sure ... ..he restated it. When I got a call to set up closing, I asked about the numbers again. The agent on the phone said that I was not getting an escrow refund, because it was used to pay down the amount owed on the home. I called XXXX  again. He told me " not to worry '' and he " did n't know what they were talking about '' and that he was looking at it on his screen. He said he would get it fixed. When I got another call to close, I was told I was getting {$2100.00} cash back and an escrow refund. I called XXXX  again. He emphatically apologized and told me he would get his director to fix this issue. He again stated I would get {$5800.00} cash back and an escrow refund in the amount of {$3700.00}. XXXX called me on X/X/17 and said that he was wrong and apologized. I asked him to make this right and he said that he would have his manager call me. Today, I got a call from the escalation department ( XXXX ). When I explained the issue, and asked to make it right and issue a credit in the amount of {$3700.00}. He said that Quicken was not a used car lot and that a credit in that amount " would not happen ''. I asked to speak with her supervisor and am waiting on a call back. XXXX was very rude and his tone quickly changed when speaking with me. I really doubt that Quicken will go bankrupt if they issue a credit to make this right. I am not in the wrong. I explained everything every step of the way and was mis-led during this process. This is not right.
Product: Credit card

The total amount they say I owe is {$5800.00} and I disputed the account XXXX  in XXXX and they said that I was responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 2 times to have Experian investigate my claims for inaccurate information. XX/XX/2022 I sent a certified letter of my complaint and I didnt receive any response. I sent another certified letter that was delivered on XX/XX/2022 and again no response. I have waited longer than the legal 30 days for Experian to respond to my claims. Under FCRA they now need to delete/update all accounts I have in questioned.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the XXXX limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations.

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld.

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Product: Credit reporting or other personal consumer reports

I WAS JUST NOTIFIED OF AN UNAUTHORIZED INQUIRY FROM XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I placed an order on XXXX on XX/XX/2018 and used PayPal as my form of payment. My debit card is linked to my PayPal account. The order did not process but a three pending authorizations of {$310.00} are on hold with my bank. There is no order but PayPal still obtained a hold for 3 transactions of {$310.00} each. I was told there was a technical error between XXXX and PayPal and I must wait 3-5 business days for the authorization to be removed. They should not have not submitted for an authorization when the order did not go through. So now theres no order but over {$900.00} of money is being held for 5 business days. I should not have my money on hold due to there technical issues. My money should be made available to me especially when theres no order.
Product: Debt collection

XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. 

Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PAYMENTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX DIRECT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX   XXXX {$1300.00}
Product: Credit card or prepaid card

I have citi bank Credit card, It clearly states : To Avoid pay interest on purchase, you should pay balance by the due date, < However I paid full and they charge interest. Now they claim they can charge residual interest from previous month. This is misleading information. Either they need to change the wording or add line. It's not just me but so many customers have suffered. It should stop.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On XX/XX/14 ( one day before my closing ) I finally got closing disclosure from Better Mortgage. I was asked for put 12 months ' of property tax and school tax in my escrow account ( ~ {$5000.00} ). When I challenged them and the cushion should be XXXX months I was told it's industry practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX XXXX XXXX RE : XXXX Acct # XXXX This is my XXXX time disputing the inaccurate information on my consumer report. Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. 
My dispute is update to paid on time because I was not 60 days late.
Product: Debt collection

On XX/XX/2020, I sent Equifax a dispute letter re : FDCPA Section 807 Violation Misleading False Reporting from Republic. This alleged debt remains on my credit report. without being verified. I am unable to locate Republic 's contact information as it is not anywhere on my credit report and this is a violation of 615 - 15 U.S.C. 1681m. Therefore, I have no way of contacting them to request debt validation. Apparently this account belongs to someone else Please help me with getting this alleged debt from my credit report.
Product: Credit reporting or other personal consumer reports

not consented use of my credit Capital one XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report at your earliest convenience. I have no connection to these accounts and did not approve them. Pursuant to XXXX XXXX, I request their removal within 15 days. Attached are the necessary documents for your review.