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

Sometime last XXXX or XXXX of XXXX  I opened a checking and savings account with Bank of America to use it as my direct deposit my XXXX benefits. 

It was working well for awhile, until my investment company from XXXX called XXXX finally sent me email that they will send me check of {$15000.00} first and to follow the rest of my profits. I received the check which I see it looks fine for me. I didn't suspected that XXXX will do such a thing, since that's the second check I received from them with the same amount. And I don't exactly know how to see a bad checks. 

I deposited the check to ATM since the bank was already close that time, I forgot if bank holiday or it's late already. After few days I received a mail from Bank of America with the same check I deposited and saying that the check I deposited was a bad check, because of that they closed my account and will return all what ever I have balance in my account. After I ready that mail I went to my nearest Bank of America to discuss the issue, but the bank line was so long and they required appointment ahead. Since I don't have I left and called bank support. 

No luck to get hold of Bank of America support, until I forgot all about it since I able to find XXXX online bank. 

Since then I was always getting denied to open for Credit Card, Checking account from all bank, except XXXX and other Online bank. Which up to now I don't have issue with that XXXX bank and XXXX as well. 

I tried for the last time to open a Checking account from one of the reputable Credit Union Bank, i was denied again and that how I found out that there's a bank who reported me. The Union bank employee was so honest and helpful to assisted me, he suggested to contact XXXX XXXX XXXX. 

As soon I reached home I called XXXX XXXX and found out that Bank of America reported me from that bad checks I deposited, I told XXXX, I have no idea about the bad check and what will i do with that check, it was sent to me I know in good faith, since that's the second time I received form XXXX  and the first check was good it went through. I also contacted XXXX but I can't able to hold the person who signed that check and everyone saying that it was a good check. Who will I believe off course the bank. 

Until now i never get my profit from my investment which is one thing I would like to report to your office and ask your help as well. 

The XXXX XXXX was so helpful to assisted me right away and started reaching out bank of America. Getting all steps to get my credits and able to open me Checking and Credit cards account. But since Bank of America still not convince about what have been reported with them. My credit reports was still bad and I can not and open Checking account and Credit Cards from all reputable bank. 

How Bank of America judged me that way, the check is not my personal check, my investment company just sent that to me for my over due profit that I long been asking with them o withdraw from my XXXX  account. 

Please I need your help to get back my good reputation from banking network. Thank you!
Product: Debt collection

LVNV FUNDING LLC ( 12 XXXX XXXX XXXX XXXX   ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a  violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, XXXX NOR XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

Account Name- XXXX XXXX Account Number- XXXX I was never late on ( Month/Year ) on this account please update the account as Paid/Current.

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late.

It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Equifax and XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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: Checking or savings account

I have 4 different charges from TD Bank that are not of my doing. They continuously reject my dispute even though I 100 % did not make these purchases. This is absurd!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfers

i have used and app called Venmo for multiple transactions. Tuesday XXXX i sent my friend XXXX XXXX dollars. in my history ive sent her money before. I get a pop up message that my transaction is in review. 2 days later i get and email that the transaction will not be processed to XXXX but the XXXX dollars was taken out of my account. I received an email from venmo stating that i was not getting a refund, etc etc etc. I reviewed the terms of agreement on the website and it states sections F '' f. Payment Investigation Payment investigation is a process by which Company reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Company will place a hold on the payment and may provide notice to the recipient. Company will conduct a review and either clear or cancel the payment. If the payment is cleared, Company will provide notice to the recipient. Otherwise, Company will cancel the payment and the funds will be returned. Company will provide notice to you by email and/or in the account history tab of your Venmo account if the payment is canceled ' ... ... it was n't cancelled it was withdrawn!!!! Not returned and how is sending XXXX bucks to a recipient XXXX miles from my home that i have sent money to before flagged for high risk. 
2 ) Desired resolution. Transparent terms and agreement terms with high risk inclusion criteria. just decline the transaction. reverse my money x 2 and remove all my personal banking account information from the app.
Product: Debt collection

Credence, is reporting a debt that they say is owed to XXXX. I have never purchased XXXX. XXXX XXXX XXXX XXXX was reporting this debt and removed due to the inaccuracies. Credence has not communicated with me! Credence did not give me my 30 day right to dispute prior to adding this collection to my account.
Product: Money transfer, virtual currency, or money service

Received supposed call from PayPal and text message with passcode to reset password XXXX Text from XXXX PayPal : XXXX is your security code. Don't share your code. 

I logged into PayPal and changed password then repeated phone calls ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has constantly violated my rights as a consumer to privacy Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Due to Experian not respecting my wishes, constantly denying me my rights as a Consumer it has cost me gravely and severely impacted the way I have been able to care for my family Not only are they false and misleading its also illegal
Product: Checking or savings account

Went to Bank of America to get full disclosure of the account.Was told by service rep an account a lil over 3 years never existed.
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 items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX was removed, because it wasn't verified, now suddenly after the breach it reappears. This is double sabotage!
Product: Credit card

On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to LexisNexis Risk Solutions to get my consumer report. They sent me an email with a code that did not work. I called them to let them know that and also to get them to send me a hard copy like I wanted. I still didn't get a hard copy of my consumer report.
Product: Debt collection

Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.
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. 

Accounts : XXXX  XXXX XXXX ( Late Payment On XX/XX/XXXX - Closed & Paid Off - Reports To Experian, Letter Sent To XXXX XXXX XXXX to Remove Late Payment - Inaccurately & Inconsistent ) XXXX XXXX XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reports To XXXX, Experian - Inaccurately & Inconsistent ) XXXX XXXX XXXX - {$2100.00} ( Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX- {$3500.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent XXXX XXXX XXXX XXXX - {$460.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent ) 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: Debt collection

I do not have an account or have used their service to inquire a balance
Product: Credit card

Synchrony Financial Services Customer service : 1 ( XXXX ) XXXX Headquarters : XXXX, CT Charged My credit card XXXX with multiple dispute charges with no written response, why the unauthorized charge was approved. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CT XXXX Phone : ( XXXX ) XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX  and I came to an agreement to install a HVAC system at my home. Still to this day XX/XX/XXXX the contract is unfulfilled. See attached contract. I have also attached multiple pictures and correspondences for you to look over. I was told when complete they will have me sign the final bill before processing and that has not been done. They charged me with out my consent nor my signature over a year after the start of this ongoing and incomplete project.

Suppose to be a XXXX XXXX they used a cheaper American standard.

Suppose to be dual zones did not complete to this day.

XXXX  has cost me hundreds of dollars in electricity do to malfunctions. 
They had to come out over 14 times to my house resulting in lost wages.

I had to have my lawyer send them letters.

The heat pump constantly ran during the heat of summer making my home over 95 degrees F almost killing my dog.

They constantly deny my phone calls or return phone calls.

I have left several reviews.

They damaged my walls. 
They damaged my XXXX sons room. 
On multiple occasions covered my sons closet and clothes in insulation.

They damaged the siding to my house.

In an attempt to fix the siding, cut a hole to match it and left the hole. 
XXXX  has not fixed the siding. 
XXXX  has not finished fixing the walls. 
XXXX  has not completed the dual zones as contracted. 
XXXX  did not give me the XXXX system as contracted. 
On their website it clearly states ( on time or its free ) also states ( money back guarantee ) XXXX has not completed the project!!!!
Product: Debt collection

I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.
Product: Mortgage

We started the refinance application in XXXX of XXXX, and it took us until the end XXXX to almost finish it. In late XXXX XXXX we had finally finished all the paperwork and were told we were all set and not to pay our mortgage for the month of XXXX ( we have the emails ). We had the notary on her way to our house when she called and said XXXX ( XXXX ) had not sent over any files. I called my loan agent and sent multiple emails and never got a response until XXXX of XXXX. Since we were told not to make a payment that month we used that money to pay other bills, and for the next several months we were a month behind on our mortgage payments. Along with us budgeting with a lower monthly mortgage payment. The way this was handled along with with no response for months along with all the extra fees {$40.00} a month along with raising our mortgage almost {$200.00} a month because we were late due to their actions was unacceptable. When I spoke with the company they said I should of not listen to the agents and paid the months mortgage
Product: Mortgage

By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.