23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally bring to your attention a distressing situation I have encountered with Bank of America, which has shown a blatant disregard for customer protection and due diligence. Despite my repeated attempts to resolve this matter, Bank of America has made every effort to dismiss my claim without conducting a proper investigation. 

The issue at hand involves a significant amount of money $ XXXX to a canceled service for which I have been promised a refund that has yet to be processed. Despite the merchant 's assurance of a refund due to the cancellation, I have reached out to them multiple times, only to receive no response. 

I have provided Bank of America with comprehensive documentation substantiating my claim. This documentation clearly illustrates that the service was initially paid for using a different card. However, the Bank of America card was used for a cruise booking intended for myself and my family, which included XXXX passengers : XXXX XXXX, XXXX XXXX, and my XXXX XXXX XXXX XXXX. 

To provide further context, the canceled cruise booking detailed the following itinerary with departure on XX/XX/XXXX : - **Day XXXX ( XX/XX/XXXX ) : ** XXXX XXXX, United States XXXX XXXX XXXX ( XX/XX/XXXX ) : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( XX/XX/XXXX ) : ** XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX **Day XXXX ( XX/XX/XXXX ) : ** At Sea - **Day XXXX ( XX/XX/XXXX ) : ** XXXX XXXX, XXXX - XXXX XXXX ( XX/XX/XXXX ) : ** XXXX, XXXX - XXXX XXXX ( XX/XX/XXXX XXXX : ** At Sea - **Day XXXX ( XX/XX/XXXX ) : ** Return to XXXX XXXX, United States Upon cancellation of our booking, we had to rebook and pay for a different room at a cheaper {$1200.00} rate, as the original accommodations were no longer available. All relevant documentation, including the cancellation confirmation and proof of new payment, has been submitted to Bank of America. Regrettably, they have chosen to ignore this evidence and have denied our claim. 

As a necessary preliminary step before considering legal action, I have already issued a formal demand letter to Bank of America Cooperate office. However, in light of their negligence and my inability to obtain resolution, I feel compelled to seek assistance from your office & a small claim Court.

I kindly urge the CFPB to intervene in this matter to ensure that my claim is thoroughly investigated and that I receive the rightful refund for the canceled service. This is not merely a case of financial importance ; it represents the principle of consumer protection that institutions like Bank of America have a duty to uphold. 

Thank you for your attention to this urgent matter. I am hopeful that with your assistance, we can achieve a resolution that reflects the rights of consumers. 

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

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Equifax, sent them a copy off this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting app XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during XXXX. All late payments need to be removed immediately and display status PAID AS AGREED. 
Account name : XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Account name : XXXX  XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken off my transunion credit report and now I see they have been reinserted without validated. Transunion has not verified these accounts nor have they responded to my request for method of verification form that I sent for transunion to fill out.  XXXX   XXXX  debt and   XXXX   XXXX   XXXX   have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from t hese accounts that are not mine.   XXXX   XXXX   is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers in formation. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against transunion. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Product: Credit card or prepaid card

XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My previous cash card expired in XX/XX/XXXX, as a result, I requested a new card. That is when my issues began. I can not use my card even though funds are available on it. As a result, I have to go to an ATM, withdraw the cash, or instantly cash out to my bank account ( To which fees are accrued ). I contacted the customer service center and the representative hung up on me after I requested a manager. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602-A : States I have the right to privacy.

15 U.S.C 1681 Section 604-A : Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I summited a dispute to Equifax and the replyed that the letters didn't come from me and refuse to correct the errors on my credit report. I mailed all of the letter.
Product: Checking or savings account

I got a letter from fraud department at Wells Fargo saying they were going to close an account of mine. I havent banked with them for almost 10 years. Then I received a debit card for that same account and then received the PIN number a few days later. 
I dont want anything to do with Wells Fargo XXXX and would never bank with them because of past issues with their facility. Im afraid theyre trying to trap people into using their bank services. Please contact me if you need any more information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was placed in collection on XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Student loan

I was on a repayment plan and was making the scheduled payment through an auto debt from my checking account. I lost my job in XX/XX/XXXX and have not been working since. I called when I lost my job and they stated there was nothing for me to do except to call back when I could make the payments again. Unfortunately Ive not started work as of yet and the job I do have I will be salaried for about 20,000 less annually than what I was making on top of that Ive recently been divorced and have an extremely large child support order to pay for the next 14 years. My co borrower is a XXXX XXXX XXXX   Veteran who is on XXXX and Navient continues to call and harass him and threaten to take his home and sue him. Also Pennsylvania XXXX XXXX XXXX XXXX XXXX has been closed since XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir, Madam, I would like to report a bank account that is involved in a crime organization that is supporting online scam. 
I have been a victim and I have paid money to the owner of your bank account. I have reported this scam to the Crime police department and Federal Trade Commission. 
Can you report the owner of this bank account to the police as well so there will not be more victims? This group pretended to be XXXX XXXX XXXX and I made tota XXXX eur payaments to different bank accounts to save the luggage of a guy who claimed to be a XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ). 


I am sending proof of payment. 

Paid XXXX, amount XXXX eur. Bank Wells Fargo, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my Experian credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( I C System ) ( Account XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 Credit Service Company XXXX XXXX XXXX XXXX  XXXX, CO XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Credit Service Company XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. The date of last activity is wrong on my XXXX, XXXX, and XXXX reporting companies report. This is also a medical account. I am aware that CFPB is finalizing a rule to remove medical bills. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Product: Checking or savings account

This morning I discovered my account got overdrawn by logging into my account. I realized BOA has been charging the monthly fee for over 4 months without notifying me. What makes it even worse, even though my account was overdrawn, BOA never notified me either. 
This is the first time I opened account with BOA, and I have no idea about the fee. Moreover, I just realized I lost my debit card. I tried to talk to BOA for the issue and get the money back. They refused to do so
Product: Debt collection

on XX/XX/XXXX I started a dispute via XXXX, with XXXXXXXX XXXX XXXX in regards to, a credit card they stated I owed {$690.00} for. However, I had never received any such card, dispute was resolved and therefore the charge was subsequently deleted from my credit report profile. 
on XX/XX/XXXX the charge of {$690.00} reappeared on my credit report under Midland Credit Management who listed the origin as XXXX XXXXXXXX XXXX, I have attempted to dispute this again via XXXX to no avail. 
XXXX XXXX XXXX dismissed the charge and removed it from my credit report in XX/XX/XXXX and in XX/XX/XXXX, nearly 8 months later it returns as a collection. If a charge is disputed and subsequently deleted they can't just resurrect it, sell it to a collection agency, and attempt to charge me with it a second time, that's no different than double jeopardy!
Product: Credit card or prepaid card

On XX/XX/2020 several transactions totaling in the amount of over XXXX XXXX dollars had been debited from my prepaid debit card account. These debits resulted in making my account negative over XXXX XXXX dollars. I was told i had to verify my identity which i successfully did but in the time they " closed '' my account any deposits that i had going to my account were just added to the negative balance. Prepaid Bank of America had violated section 2b of the prepaid card terms and conditions. By allowing these debits to occur unlawfully i had to endure weaks of financial stress upon stress that i should have never had to even go through. In section 2b it states that once a deposit has been made to my account the state is not allowed to debit any of those funds from my account and it also states that there will be no overdraft transactions to ever occur on my account and yet they did just that. After weeks of nonstop calling i was finally able to get through to a claims representative who explained to me that there was some kind of system glitch and that they were absolutely at fault and that after submitting an escalation, Id be able to get all of those debits credited back to my account that of which should have never been taken from my account in the first place. It has been weeks and I have yet to be credited back the transactions that had been wrongfully taken from me and i would like to have what was rightfully taken from me. I have a full transcript of my conversation with that claims representative that i will be attaching with this submission.
Product: Vehicle loan or lease

XXXX I Called Mariner Finance To Lower Payments I also asked for a settlement theyve denied me both theyre saying I owe XXXX but I only owe XXXX it shows on my credit history that I only owe XXXX theyve charged the loan off as bad credit but theyre still sending late payments to my credit report theyve been very disrespectful to me settling this loan out I really want to pay it so it gets off my credit they send late payment every month Ive called The XXXX XXXX XXXX and XXXX they will not work with me at all on resolving this they keep making my account balance go up with the late payments every month which is making my credit score go down every month they will not help me regarding this loan