23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Re XXXX Dispute of Account with XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX **Original XXXX : XXXX XXXX XXXX XXXX **Credit Report Dispute : Inaccurate and Deceptive Reporting** **To Whom It May Concern : ** I am writing to formally dispute the accuracy of the account listed under XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report XXXX This account is being reported in a manner that is not only inaccurate but also deceitful. Despite my multiple requests for validation of this debt, XXXX XXXXXXXX XXXX XXXX XXXX has failed to provide the necessary documentation, as required under the **Fair Debt Collection Practices Act ( FDCPA ) **, and continues to report incorrect information to the credit bureaus.

**Here are the key points regarding my dispute : ** 1. **Failure to Provide Legally Required Documentation** : I have repeatedly requested proper documentation to verify the validity of this debt, including : - A signed agreement or contract establishing my liability for the debt. 
- A complete transactional history that clearly shows how the amount claimed was calculated. 
- Proof of ownership of the debt from the original creditor, XXXX XXXX XXXX XXXX, showing that XXXX XXXX XXXX XXXX XXXX is legally entitled to collect. 

Despite these requests, XXXX XXXX XXXX XXXX XXXX has failed to provide any of the requested documents in a proper, accessible format. The documents they provided were in an inaccessible XXXX XXXX, which I was unable to open, making their supposed validation meaningless. 

XXXX. **Deceptive Practices** : XXXX XXXX XXXX XXXX XXXX is engaging in deceptive collection practices by claiming to have validated the debt without providing the legally required documentation. This is a violation of **15 U.S. Code 1692e**, which prohibits false, deceptive, or misleading representations by debt collectors. 

As such, I am requesting that **TransUnion** conduct a thorough investigation into this matter. I ask that the account in question be removed from my credit report, as it is being inaccurately reported, and the collector has failed to provide sufficient validation under federal law. 

I trust that TransUnion will handle this matter with the seriousness it deserves, and I expect that the inaccurate and unverified information will be deleted from my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) **, which requires accurate and complete reporting of information. 

Please provide written confirmation of the results of your investigation and any actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America is denying consumers the right to dispute charges and also denied consumer the right to view and inspection merchant information and internal records used to make a decision to deny my claim in amount of {$420.00}. 

On or around XX/XX/2022, I tried to purchase a bathroom vanity from XXXX it was delivered damaged. The outer packages was severely damages and I did not accept said package into my home. 

My telephone records show I immediately on XX/XX/2022, reached to XXXX spent hours of the telephone and explained the problem and asked that they come pick up the damaged item that box was left unopen in front of the home. 

XXXX refused to pick up the item. I am a senior with XXXX could not lift said box and the package remained. According to XXXX there were no replacement for said item it was sold out. I requested the reasonable accommodation under XXXXXXXX XXXX XXXX XXXXXXXX act that XXXX not send out damages items and make it a requirement and person with XXXX responsibilities to get large item back to a store. 

After I could not get resolution with XXXX I contacted BOA and explained several times over a telephone item was sent damaged I refused to take receipt of said item. BOA waited any additional 60 days then claimed documentation stating what you were supposed to received and how it was different from what you received when I stated from the start of my claim/complaint with I did not take receipt. 

BOA is engaging in a deceptive business practice of keep the charges on the account to make monies off high balance and high interest fees. BOA is trying to force a consumer to take receipt and responsibility of damage items in order to make profit I am asking the CFPB to investing this deceptive business practice enact or enforce laws that required BOA any/all credit companies to turn over all records relating to disputes and grant consumers the right to dispute any in accurate information. I asking CFPB enact or enforce laws that companies or responsible to resolve complaints in a timely manner.
Product: Vehicle loan or lease

After submitting a complaint Santander Consumer USA has done a profile review and removed {$10.00} following this activity have closed the account after trying to collect after writing it off on taxes. I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRAS ( XXXX, XXXX, XXXX ). 

Santander Consumer USA did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Santander Consumer USA is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 
I have asked this company to CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. I have also put this company on notice exercising my right to prevent the processing of my personal data by Santander Consumer USA for the account opened XXXX XXXX. This account has been removed multiple times and refurnished by the company they have also stated that they cant remove it.
Product: Checking or savings account

In XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX. The check was cashed, but not by XXXX XXXX. Wells Fargo did begin an investigation. Over the last 120 days I have received four letters from Wells Fargo. All four letters said basically - there are two possible outcomes : 1. Wells Fargo will return the money to me, or 2. Wells Fargo will provide all the documentation from their investigation. Today is 120 days. I have tried multiple times in the last few days to contact the Wells Fargo check fraud case managers and they will not return my calls. I am asking the CFPB to help me get an update from Wells Fargo.
Product: Checking or savings account

Today XX/XX/year> I lost my card and a transaction was made of XXXX $ that I did not authorize
Product: Debt collection

Hello, I paid a settlement offer to Javitch and Block XXXXPayment for XXXX XXXX They refused to give me a valid receipt, saying that there is a 14 day hold on my payment, they have the money the amount is gone out of my bank as of today. The company refused to answer the phone to communicate. Their website has an email. I even tried to communicate by email and without success they never returned or replied. 
1. wont answer the phone 2. wont email me a valid receipt but have my money 3. They stated they can not give me a receipt until XX/XX/22 4. Not sure this is a legit company.

5. Wont return emails, calls, nothing They state it is the company policy to not send emails out to consumers so they cant send me a receipt for my money. 
They wont give phone extension to follow-up and they refuse to follow-up
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax is breaking the consumer law pertaining to XXXX XXXX XXXX XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Student loan

My son needed a loan to start college. He then decided to go into the military so the loan was deferred. He was in the XXXX for 6 years. When he got out, he started school. Unfortunately the school he was at for a few years lost their accreditation and he was living in Idaho. He had to basically start over. Since the loan has been there for 10 years, they are demanding payments that he can not afford. He is still in school struggling to get his degree. He has no income. They are refusing to help us set up an income based payment plan for him. We can not afford these payments. They should help him defer a few more years or create a payment plan based on his income. They have not been helpful at all. I am very disappointed in the system. The interest he has been paying is ridiculous and adding up every day. This company needs to make special accommodations in these situations. He took 6 years of his life to protect our country and there is n't any protection for him?
Product: Credit reporting or other personal consumer reports

Called up and closed account in XXXX. Deceptive business practices. Im sure you can pull up the recordings and verify called. I had a deposit on the card. Also it is being reported on the credit bureaus as closed but yet XXXX keeps reporting missed payments!
Product: Money transfer, virtual currency, or money service

1. crypto.com advertises a visa debit card with perks- costs {$4000.00} worth of their native cryptocurrency coin 'CRO ' 2. CRO needs to be locked up or 'staked ' for XXXX months to qualify for the card 3. I purchased CRO, and staked it 4. Attempted to get my card delivered, but my former address was in their system 5. Over a XXXX time span, I attempted several times ( probably over XXXX ) to get my address changed in their system so I could get the card delivered. 
6. Customer service told me they would take action, never did. Over the XXXX months, my CRO is still locked ( staked ), and I can not cancel or do anything to get out of the situation. 
7. CRO loses about {$600.00} in value and still declining. Still, I have no card and not receiving what I paid for. 
8. I took my complaints to social media, and within days I was informed that " We recently performed a review of your account and found that it does not meet our requirements for user conduct, as outlined in our Terms and Conditions. '' I was told to remove all funds from their platform ( even though they were locked and couldn't be moved ). 
9. Support unlocked the funds in a few days, I had my funds transferred at more loss. It costs several XXXX dollars to move and convert these cryptocurrencies. 
10. CRO locked up my funds in their CRO token, as they do others, which artificially inflates its value, leaving people no choice but to invest in their coin for a false promise of a debit card. 
11. There are other issues with their service that are sketchy. Happy to share more.
Product: Checking or savings account

My Chase Bank Business account in California account number ( XXXX ) was closed and my founds are on hold from a check that was cashed from a business partner in the amount of {$10000.00}. This Check was Deposited on XX/XX/year>. After the check went on Hold For 2 weeks and that would have been the max Hold time. When I called the bank second time they told me the {$10000.00} the will send me a cashiers check after 60 days and after verifying the check was cleared at other account. I have spoke to my Business Partenr that issued the {$10000.00} check number XXXX cleared her account the next day XX/XX/year>. 
Now when I called Chase Bank on XXXX XXXX  the told me they will keep my money for up to 2 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion made me put my credit card information as if it is for account validation purposes, then they charged {$24.00} for a credit report ( monthly subscription ) I never asked for. I only wanted to file a dispute, moreover, XXXX XXXX provides this information free of charge. 
I tried to cancel the subscription, yet their website logs me out each time I press on cancel. If this isn't a blatant scam I am not sure what else is. 

- It never informed me I am being charged {$24.00} - It pretended to be a free credit score report. 
- It won't let me cancel the auto subscription. 
- They overcharge or charge for something XXXX XXXX or XXXX XXXX provide with for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.
Product: Debt collection

In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I settled this debt with an agency representing XXXX roughly 2 years ago for exactly XXXX dollars. Now XXXX apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a matter of concern involving Equifax, XXXX of the major credit reporting agencies. Despite my repeated written requests, Equifax has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I have requested Equifax to verify certain items appearing on my credit report. However, despite my XXXX formal requests, these unverified items continue to be listed. The FCRA mandates that credit reporting agencies must have a copy of the original credit application on file to properly verify that an account listed on my credit file is indeed mine. However, Equifax has failed to provide me with any such original documentation bearing my signature. 
Furthermore, Equifax has not provided me with the name, business address, and phone number of the individual or business contacted during their re-investigation. They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA.

I would like to highlight that under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is required to promptly DELETE all information which can not be verified. However, this has not been done. 
I am prepared to take legal action to enforce my rights under the FCRA and seek compensation for all financial damages that I may be entitled to under Section 616 and Section 617 due to Equifaxs ongoing deliberate and negligent non-compliance. 
I kindly request your assistance in this matter and look forward to your prompt response. These are the inquiries listed.. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Aspire Credit Card, Dispute Resolution, Trans Date Post Date Description of Transaction or Credit Amount XX/XX/20 XX/XX/20 XXXX   XXXX  XXXX XXXX/XXXX XXXX {$11.00} Payment Processing Reference Number : XXXX XXXX XXXX XXXX XX/XX/20 XX/XX/20 XXXX XXXX XXXX XXXX/XXXX   XXXX  {$74.00} XXXX TX XXXX Reference Number : XXXX Directly after seeing the credit card statement, I called the company to inform them that I did not make these two purchases. They immediately cancelled that card and sent a new one ( which is not activated ). They seemed to be helpful, and told me they were sending documents for me to complete and sign, The documents came later than it was dated, and I returned them shortly afterwards. I received a letter that claimed that the affidavit was not returned in a timely manner, and therefore hindered their investigation, making me responsible for payment of the transactions.
Product: Credit card or prepaid card

I received a charge on my credit card on XX/XX/XXXX for {$3400.00}. The charge was at a university in XXXX. About two weeks later I called about it and it was reversed along with several automatic monthly charges of XXXX that we discovered on while on the phone. On XX/XX/XXXX, I received a letter stating that after an investigation it was determined that the activity was valid and the provisional credit was reversed and I was being held responsible for the charge. I am not sure why. I have received 2 subsequent letters after a phone call by me : one stating that I was responsible on XX/XX/XXXX and another on XX/XX/XXXX stating, thank you for your concern we will fully investigate your concern and contact you if we need more information. Since then I have received no communication. When I call I am put on " terminal hold ''. I am a XXXX year old retiree who graduated college in XXXX. This transaction does not pass any reasonability test. Can you help me with this problem?