23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is to complain against the BOA. 
I wish to practice my right as a customer of BOA to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with BOA. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to BOA respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of BOA to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with BOA, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 
General Obligation : Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my BOA account to fraudulent investment firm ( s ).
Product: Mortgage

Fidelity 1st Funding withheld funds ( {$4000.00} ) in order for me to get a {$150000.00} loan for remodeling my home. I was told {$4000.00} would be held until I completed recommended repairs based on the appraiser 's report. The repairs were complete late XXXX/XXXX XXXX. I reached out to XXXX who stated it would be no issue to release the funds. I submitted pictures and receipts as requested and once again given the runaway. I was told I needed another appraisal which was not communicated to me at the time when I was told they would hold the funds. Then another individual XXXX started he did not care if I ever received the funds and would send them to the State of California for Governor XXXX to have. The entire loan process has been misleading. Every time XXXX assured there would be no problems, there were problems and miscommunications. The repairs the appraiser suggested were done. Not only were the repairs completed, but also approved by the City Inspector where I reside. There should be no need for me to pay for another appraisal when it's a matter of verifying the recommended were completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended alert set up in 2017. The phone number listed in the alert for financial institutions to contact me at prior to extending new credit is no longer accurate and is now associated with another person. I am trying to complete the process for a vehicle loan and am unable to do so until I can get the proper phone number updated. 

I have called XXXX and Experian and I am unable to get someone on the phone as it is an automated service that results in dead ends. I have visited their websites for information and each separately requires that I submit paperwork to include a form, photo identification, W2s, paystubs, or utility bills via fax or mail. This process is an undue burden in that the amount of time they say it will take to complete the request to update my contact information will prevent me from closing my loan application and from registering my vehicle so that it is road legal. In addition, the incorrect phone number currently listed in the extended alert instructions to financial institutions is currently a security risk as it is an incorrect phone number that now belongs to another individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing XXXX and Transunion that I was a victim of identity theft. XXXX and Transunion are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and Transunion have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contain fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIS from my credit report. 
ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Against Radius Global Solutions LLC for Unlawful Debt Collection Practices Dear CFPB, I am writing to file a formal complaint against Radius Global Solutions LLC regarding their unlawful debt collection practices and failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I was contacted by Radius Global Solutions LLC regarding an alleged debt under Radius Reference No. [ Insert Reference No. ] for the amount of {$2500.00} related to my account with XXXX ( Account No. XXXX ). On [ Insert Date ], Radius Global Solutions LLC sent a settlement offer for this amount. However, I have reason to believe that this debt is either inaccurate or unverifiable. 

On XX/XX/year>, I formally requested verification of the debt, including documentation proving the validity of the amount, detailed accounting of how the debt was calculated, and proof that Radius Global Solutions LLC has the legal right to collect this debt. Under FDCPA, Radius Global Solutions LLC is obligated to provide this information. To date, I have not received sufficient or valid documentation supporting their claim. 

Despite this request for verification, the debt remains on my credit report, negatively impacting my credit score and financial standing. This is a violation of the FCRA, which mandates that inaccurate or unverifiable information must be removed from consumer credit reports. Radius Global Solutions LLC has failed to comply with this requirement, and they continue to pursue collections without appropriate proof of debt. 

As a consumer, I feel my rights under federal law have been disregarded, and I seek the CFPBs assistance in resolving this matter. Specifically, I request the following : Investigation into Radius Global Solutions LLCs failure to provide verification of the alleged debt. 
Removal of this debt from my credit reports if it can not be verified. 
Any corrective actions necessary to ensure that Radius Global Solutions LLC complies with FDCPA and FCRA regulations. 
Compensation for any financial or emotional harm caused by their unlawful debt collection practices. 
Enclosed with this letter are copies of relevant documentation, including the original settlement offer, my dispute request, and the lack of sufficient response from Radius Global Solutions LLC. 

I trust that the CFPB will handle this complaint with the urgency and seriousness it deserves and that you will help protect my consumer rights. Should you require any further information, I am available at [ your phone number ] or via email at [ your email address ]. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
Product: Credit card or prepaid card

The IRS signed me up for debit card with no customer service option. There is no agreement for fee terms by me but I am forced to accept as there are no menu options to refused and request a check. IRS site also has no options. The call number is XXXX with Money Network Financial LLC. I called three times to make and attempt to find customer service as mentioned in their acceptance of terms. 

There are hidden terms on cashing money and I do not want this card. There is no option to cancel or refuse the card. 

I'm complaining to my congressman next. 

Forcing commercial terms and fees on taxpayers to receive a government stimulus is ridiculous.
Product: Checking or savings account

In the attachment is a copy of a check written to my employee on XX/XX/2023 and cashed by him on the same day but as you can see it did not post to my account until XX/XX/2023 can you please contact all parties involved XXXX XXXX XXXX and Chase Bank to find out what happened and tell me is this legal to wait this long to post a check? XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my company name and my Chase Business account.
Product: Credit card

Dear cfpb I am writing to file a formal complaint against Bank of America regarding unresolved repayment issues. Despite numerous attempts to rectify the situation, I have been met with insufficient responses and a lack of assistance from the bank. 

I have diligently attempted to make payments towards my account with Bank of America, but due to unforeseen circumstances, I have encountered difficulties in meeting my repayment obligations. Despite reaching out to Bank of America on multiple occasions to discuss alternative repayment options or to negotiate a manageable payment plan, I have received little to no cooperation from their representatives. 

Furthermore, the lack of communication and support from Bank of America has only exacerbated the situation, leaving me feeling helpless and frustrated. Despite my best efforts to resolve this matter, I have been left in a state of financial distress with no viable solution in sight. 

I believe that Bank of America has failed in its duty to provide adequate assistance and support to customers facing financial hardship. Their unwillingness to work with me to find a feasible repayment solution is unacceptable and goes against the principles of fair and responsible lending. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf to ensure that Bank of America fulfills its obligations to assist customers in need. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this issue. 

Sincerely, 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 XXXX. 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 ( XXXX  REPORTING LATE ) 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card or prepaid card

I need to file a complaint. Bank of america master card. I contacted them them on XX/XX/XXXX to dispute for a charge that was made on XX/XX/XXXX for XXXX.this was an ongoing services from XXXX XXXX . An education that I had never received, they guarantee for me to get my money back. This company is been shut down by the FTC. I paid for this training and paid off the credit card as well. They credited my account and took the credit back, so i contacted them on XX/XX/XXXX and told me to send the paper work with instructions. so i deed but next day they send me a letter saying that they needed to the exactly amount of the charge but the exactly amount they have it is XXXX. 
i have send everything they ask for it. and they deny it on XX/XX/XXXX after i talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Sequoia Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : Sequoia Financial Services Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Sequoia Financial Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA 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 will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 ACCT # XXXX have 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: Vehicle loan or lease

XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX  for {$4000.00} to {$5500.00} to purchase a XXXX XXXX. The starting price on that vehicle is {$60000.00}. However, that is not disclosed until you are present at the dealership. That vehicle was out of my range. 
Since I was there and pre-approved. I selected another vehicle, XXXX XXXX XXXX XXXX, {$30000.00} was within the pre-approval range. The business manager ran a credit report irrelevant of the pre-approval. Then, I was allowed to take the vehicle for a test-drive. I drove the vehicle to my residence XXXX miles from the dealership. There I transferred monies to my account for the down payment. Prior to my return, I received a call from the salesman inquiring, 'Is everything alright '? I told him, where I was and what I was doing. I'm not sure of the time lapse because the salesman told me to take my time. I wasn't aware of the time restraint. There was XXXX miles on the vehicle for a test drive. Upon my return, I had a credit and debit card for the down-payment, they would not accept the debit card and I went to the credit union for cash. When, I returned the business manager had everything prepared for signatures the credit options weren't disclosed or addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received a settlement package which after all fees {$3000.00} was my amount. The company approved {$1500.00} but did not advise why. I took the amount and on XX/XX/year> requested the balance. I was denied and after several calls was told it won't be explained. I asked why again since is guaranteed from the State of XXXX  and others I heard were given full amounts not just half. I said it's discrimination and was told Oasis can decide how much and if on each case, but being it's not against my credit how can they pick and chose. It's discrimination.
Product: Mortgage

This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company.
Product: Payday loan

My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Product: Debt collection

several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.