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

On XX/XX/2021, I deposited my stimulus check in the amount of {$1400.00}. Instead of giving me the opportunity to correct the endorsement they did not allows me to redeposit the same check with the following corrections ( attached ).
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

Bank of America is reporting inaccurate information. They have reported late payment past 30 days delinquent and have not have made any attempt to contact me. I have autopay set up on this account and have proof that they have been taken out a payment every 30 days. I would like for Bank of America to remove the 30 day late from my credit history. The creditor information is Customer Service Information : www.bankofamerica.com XXXX Mail billing inquiries to : Bank of America XXXX XXXX XXXX XXXX TX XXXX Mail payment to : Bank of America XXXX XXXX XXXX XXXX DE XXXX The account number is Account # XXXX XXXX XXXX XXXX for XXXX XXXX XXXX They can look through their records and see that they have consistently have taken a payment every 30 days through auto pay. Any help to rectify this problem would be greatly appreciated Thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with XXXX for {$99.00}. When I closed my account in XX/XX/XXXX, there was a balance of XXXX XXXX points, worth {$200.00}. My final bill was {$99.00}. XXXX blocked my online account access and failed to respond to inquiries about using the {$200.00} in rewards I had earned toward my balance. Instead of attempting to contact me directly in regard to my dispute, XXXX referred me to a collection agency for {$99.00}. Despite the fact XXXX should have owed me {$100.00}, I paid XXXX XXXX {$99.00} to have the account removed from collections. XXXX never responded to my initial dispute, did not honor my reward earnings, and referred my account to a collection agency without notifying me. 

XXXX ( {$99.00} charge ) briefly appeared on my XXXX credit file, but was removed. However, XXXX is still listed as an adverse account on my Transunion credit report. I have submitted multiple disputes with Tranusnion beginning in XX/XX/XXXX. Transunion informed me that despite that fact that I have documentation stating the account was paid in full from XXXX, the item can not be removed from my credit file. The XXXX account was never adverse, nor should it have been sent to collections. I have disputed the issue with both XXXX and Transunion from the onset.
Product: Student loan

I wish I could select multiple options under " dealing with my lender or servicer. '' I contacted Navient due to my payment increasing by double without notice. During this conversation that took three hours, I was transferred between customer service and collections multiple times, as well as the call being ended by the representative 5 times during transfer. I asked to speak to a manager, a woman got on the line and spoke with me and then transferred me again. I was instructed by the next individual that the former representative I spoke with was in fact not a manager. This individual, who also identified himself as a manager, attempted to provide me with an explanation that did not make sense based off the explanation of my plan and the payment expected, attempting to confuse, mislead and misrepresent that numbers I was charged monthly and what payment program I was in. I inquired about ALL of Navient 's repayment plans, the individual stated that he would not discuss any of the other options because he would not allow me to enter into another program, based off his discretion. When explaining to him that we were seeking information from him in the customer service department the individual again reiterated that he would not even discuss any options because he had already decided he would not allow me to move to any of the programs offered. He also attempted to scold me for asking for these options. Navient continues to exhibit the same behaviors alleged by the CFPB in their lawsuit and their employees continue show a lack of education about their product and block borrowers attempting to gain information about all of their programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Debt collection

Equifax - Fail to Respond letter XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Equifax, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response. 

Under both State and Federal consumer law, I have the right to have my debt validated, and XXXX XXXX XXXX is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that XXXX XXXX XXXX received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXXXXXX XXXX . According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

Walmart sychrony credit card was not correctly applying my payments. As a result the payments was appearing as a short payment and late fees were added. Several late fees were applied causing the account to go over the limit and more fees was added. Now sychrony is asking for a payment of {$170.00} for a one month payment. I have made payments consistently but they were not being accurately applied to my account!
Product: Mortgage

I have been trying to get a recast completed for over a month, since XX/XX/24. I've both emailed and mailed the requested documents to pay off 90 % of my loan. Roundpoint has not responded. Meanwhile, they continue to delay the process and benefit by collecting interest on a loan I'm trying to pay off. It is impossible to get anyone on the phone in a local office. I need for a local person from the XXXX XXXX office to contact me with an update.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, KS XXXX RE : Complaint Regarding Debt Collection Practices of Synerprise Consulting, Account # XXXX Dear CFPB, I am writing to file a complaint against Synerprise Consulting regarding their debt collection practices for account number # XXXX. 
Dispute of Debt and Debt Validation Request I am disputing this debt in its entirety. I request that Synerprise Consulting validate the debt according to the Fair Debt Collection Practices Act ( FDCPA ). This validation should include the original creditor, the amount of the debt, and the date the debt was incurred.

Revocation of Communication Channels I am revoking my consent for Synerprise Consulting to communicate with me via email, text message, or phone calls. All future communication must be done in writing and sent to the address listed above. 
Request for Purchase Order and Licensure Proof I request a copy of the purchase order between the original creditor and Synerprise Consulting proving they have the legal right to collect this debt. Additionally, I request proof that Synerprise Consulting is licensed and bonded as a debt collector in the state of Texas.

Failure to Provide Validation Information Synerprise Consulting has failed to provide debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they placed the collection on my credit report.

Lack of Opportunity to Dispute I have not been given a fair chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Allegations of FDCPA Violations Synerprise Consulting 's collection practices appear to violate the FDCPA in the following ways : Using false, deceptive, or misleading representation : They have not provided validation details, potentially misleading me about the debt 's legitimacy. 
Using extortionate means : Their collection methods might be harassing or threatening. 
Using unfair or unconscionable means : They may be attempting to collect an invalid debt. 
Request for Debt Removal from Credit Report According to CFPB regulations as of XX/XX/XXXX, any debt that is already paid or under {$500.00} should not be included on a consumer credit report. Therefore, I request the removal of this account from my credit report. 
Failure to Disclose Required Information Synerprise Consulting has not provided any of the disclosures required by law before furnishing the account to a credit reporting agency. This is a violation of 12 CFR 1006.3 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ).

Request for Investigation I request that the CFPB investigate these allegations and take appropriate action against Synerprise Consulting for their unfair and potentially illegal debt collection practices. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit card or prepaid card

I contacted Chase to inform them about my identity being stolen and how i have begun to take steps to protect my identity which included filing a identity theft report with the government, putting a freeze on my credit, and starting the process of obtaining a new SSN. Chase however got back to be claiming that this is in fact my debt and that i will be held responsible for it. Not sure what brain power went into that conclusion but that was probably one of the biggest financial mistakes they will ever make as i plan on filing a lawsuit against them if they refuse to acknowledge my identity was stolen and that this is not my debt. Do they not realize when someone steals the right information they can get everything about you? Apparently not because they seem to know everything. They claim its my responsibility because they mailed correspondence to my address which doesnt prove squat that its my debt and they also said something about a phone number which literally anyone can make up on the spot. I had crackheads living at this residence and i have no idea what kind of XXXX they pulled but they are now long gone. I can easily prove my identity was stolen as i have mountains of evidence, can they back that up with a mountain of evidence that its my debt? Nah they are just money hungry and dont care about my identity being stolen and they just want money one way or another well they certainly aint getting it from me as it is not my responsibility.
Product: Credit reporting or other personal consumer reports

Transunion has illegally re-aged the account with XXXX XXXX Child Support, The original first date of delinquency was XXXX this has been disputed in the past, and deleted multiple times because of it being past the statute of limitations with date of first delinquency XX/XX/XXXX, with it being re-inserted back onto my credit report, but this time Transunion has taken it upon themselves to place the item back onto my credit report, illegally tampering with my credit file deleting all history from XXXX XXXX XXXX to deceptively hide the date of first delinquency, illegally re-aging the account to make it appear recent so that they can continue to report it, Transunion had slipped up when they knew I had the original date of first delinquency, and would have caught on to their misdeeds i have called Transunion on.numerous occasions, disputing the inaccurate information, I have filed numerous complaints through the CFPB providing evidence of fowl play on TransUnion 's end, but Transunion continues to violate the fair credit reporting act, illegally re-aging debt. Transunion has ignored my disputes, and would close my disputes out in less then 30 days with the item still remaining on my credit report, Transunion continues to do nothing but state they updated information, updated this, updated that, but when I check my credit it still remains on there, those days of updating are over, TransUnion knows the account was to have been deleted a long time ago, transunion has chosen to.be willfully non-compliant in deleting the XXXX XXXX illegally re-aged account off my credit file. No more updates, I want to see action. The item is considered ( re-aged zombie debt ) and it's unfair, ita damaging to both me, and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XXXX XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX XXXX. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my  XXXX XXXX National Origin as a XXXX.
Product: Credit card

Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined.
Product: Debt collection

Account Receivable Solutions is reporting under XXXX credit bureaus an account they have not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with XXXX, Equifax and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im a XXXX XXXX XXXX in XXXX XXXX. I started to do XXXX XXXX for online shopping platforms such as XXXX and XXXX in XXXX XXXX, sending out packages to individual customers. I had a group of drivers who was doing delivery for me at that time. 
Around XXXX that year, I met a guy who was called XXXX XXXX. His father and and my father were in the same truck driving school. 
XXXX was a truck freight forwarder. He claimed to have several warehouses around the XXXX  area and XXXX XXXX trucks. He mentioned one of his partners, XXXX, who was a warehouse manager in XXXX. I thought we could work together as I might need trucks and warehouses for delivery. 
It worked out fine at the beginning. We used XXXX warehouse in XXXX to sort out the packages with almost no cost. Later on, XXXX told me he had a registered company in Delaware. If I could send my revenue to his company in XXXX, he would send it back to me from his Delaware company. 
By doing so, I can drastically cut the tax I need to pay. I decided to take a try. On XX/XX/XXXX, I wrote a check to him with {$10000.00}, which was my revenue for XX/XX/XXXX to XXXX. On the next day, I wrote him another check of {$15000.00}, which was my revenue for XX/XX/XXXX to XXXX. 
I had a XXXX business account. XXXX had his business account with the Bank of America. 
After he cashed two checks, he told me it would take about three weeks for him to receive the funds. 
In XXXX, I went to his office in XXXX XXXX once. That day I saw a group of truck drivers waiting there to get their paychecks, as XXXX had not paid them for almost a month. XXXX did not own any truck actually, they were the real truck owners. 
XXXX showed up late and explained to me that the Bank of America closed his account, so he did not have any money to pay the truck drivers. Because of that, he never got my money.

To figure it out, I went to a brach of BoA. They told me they closed his account due to suspicion of fraudulent activities. My two checks were suspended by the back office. I managed to call t
he number of their Fraud Department. They confirmed that they were holding my money and they would only give it back to me after they received a check fraud claim from my bank, XXXX. 
As for XXXX, they insisted they could not file a claim as I wrote those two checks personally, they were not considered as fake checks. I was working on that the entire XXXX but never got my money back. 
In early XXXX, I went to the office of XXXX in XXXX XXXX again and found it empty. He moved without any notification. I asked the real estate manager and found out that XXXX did own or rent the entire warehouse. He only rent a small office there. 
As for XXXX partner XXXX, he left the company running that warehouse in XXXX abruptly, supposed to be a bit earlier than XXXX moving out of his office in XXXX XXXX. 
As for now, Im still not sure whether XXXX is involved in faudulent activity or not. I just want to get my money back from the Bank of America.