23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have NO CONTRACT with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice should you fail to provide us with a copy of our agreement and provide a persons name that we can communicate with then we will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with Fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record correct or correct such record where a defect is found.
Product: Bank account or service

It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage
Product: Money transfer, virtual currency, or money service

I was talking to this person about transferring money to my account, a person I didn't really know. On XX/XX/XXXX the money was being processed ( {$990.00} ), it took 5 extra days for it to transfer to my account which was on XX/XX/XXXX. The person I was talking to then told me to wire the XXXX  dollars through XXXX to one of her " clients '' and that it had to be done today no matter what. After the money was wired through XXXX  I was expecting another transfer but around XX/XX/XXXX the same person opened a XXXX XXXX account under my name and told the XXXX banker that it was fraud so the money the person sent the XX/XX/XXXX got taken away from my account along with all the money I made then after that close the account in XXXX XXXX and never contacted me again
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Debt collection

I asked this company to provide me with original contract with my wet signature because i notice this company on my credit profile but was unaware of this fraudulent account being on my consumer profile. Your company could not provide documentation of what i asked and this proved upon reasonable doubt that this was obtain fraudulently. I also reported this to the XXXX major bureaus. This company has 30 days to remove debt when they cant provide original contract. I am the only natural person that can validate or give consent of an obligation that you the debtor says i owe according to 15 USC federal law 1692 ( e ). 
this frqaudulent account has caused damages to me and my family and has obstacles for me to obtain credit, therefore making you the company liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15 USC 1692 ( k ) and has been filed in the XXXX district court. 

Thank you XXXX XXXX
Product: Debt collection

I have multiple apartments which I do not live in which I provide internet service for. I auto-pay for service, bills are sent directly to my home address, and when service is discontinued, I return equipment personally. Because I manage up to XXXX accounts, I am well versed with the low quality of work they do at their store, so I save all receipts. 

In this case, an account was paid in full and equipment returned. Several months later, with no communication regarding a passed-due amount, a new tenant received a notice in the mail ( only my personal address, not tenant address was used for this account 's billing so the new tenant getting my billing information is already in the weeds ) from Amsher, not XXXX Communications XXXX 

I contacted both companies. Amsher gave me a ticket number XXXX and said they would respond. XXXX also said they would respond. Neither responded but over the course of months have ignored completely the fact they are sending out incorrect notices to incorrect people at incorrect addresses. 

I have receipts proving the equipment that was returned is also the equipment they are sending out debt notices for. I received no information from XXXX regarding this account being passed due ( because it never was ).
Product: Credit card or prepaid card

I called bcuz I saw a charge that I may or may not have made. The CS agent refused to request a copy of the receipt before filing a fraud dispute. He refused to do it for me specifically, in his exact words.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Confusion : The late payments occurred during a time when the account was being transferred. The account had been marked as transferred and closed. This caused confusion, and my payment records should not reflect late payments for this period since I had fulfilled my obligations to the prior servicer before the transfer. 
Timely Payments : All payments were made in a timely manner prior to the transfer, and documentation exists showing that no payments were missed. Any delay in processing or recording payments during this transfer period should not be attributed to me as the account holder.

Payment Processing Issues : During the transition, delays in updating the account status may have caused the system to inaccurately report late payments for months when the account should have been listed as transferred and closed, not delinquent. This is evident from the reporting inconsistencies across credit bureaus. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

I've tried several times to have my creditors update my current employer to Equifax. At this time it is reporting the wrong employer. My employer should report as : XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX approximately XXXX XXXX sent email about the problem to XXXX XXXX XXXX XXXX credit card. I called at XXXX XXXX XX/XX/XXXX about the problem as well. I explained that according to the balances on my promotions which are no interest if paid in full by a specific date, the balances are exactly the same each month and I pay XXXX a month which is just a few dollars more than the monthly payment. I explained to the customer service agent that the balances were not changing by even a XXXX from one month to the next. Customer service agent said that payments would be applied and a certain amount would be on each balance. I explained the balances were exactly the same each month as though no payments were being made. Customer service agent still holds that the payment is applied to each different balance and in order to pay it so that deferred interest isnt charged for an amount that would run out on XX/XX/XXXX XXXX. Looking at statement on all promotional balances, XX/XX/XXXX statement, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX statement, XXXX, XXXX XXXX, XXXX There were no changes from month to month. With a payment of XXXX a month even if other money is being paid, how is there not one XXXX going toward these balances. Its like they intentionally apply no money to these balances so that the deferred interest of 28.5 percent will be added to your balance when the date of XX/XX/XXXX is reached. How is this any klind of promotion. I understand paying the balance to avoid interest but this makes it a situation where no matter how things are done the consumer has to pay the entire balance of what was borrowed to avoid the interest payments. So if I borrowed on the original balance XXXX regardless of XXXX a month payment every month, I would have to make an XXXX payment that I specifically tell them to apply on this purchase. XXXX was original amount borrowed, At the least this is deceptive, at the most its intentionally making sure the balance always reaches the promotion date so they can add the deferred interest.
Product: Debt collection

I XXXX XXXX XXXX have any business or authorized XXXX XXXX to send my personal information to Reliant Capital Solutions XXXX I would like Reliant Capital Solutions to cease and desist all contact methods. I received a call from this debt collector claiming that XXXX XXXX  sent my information to them on XXXX but I dont go to that school since 2019 and all my dues were paid. Additionally, I would like to receive a debt validation letter. I have proof of payment made to the school and the rest of this loan was discharged which I also have proof. Lastly, I have submitted proof that this account should not even be in collections and Ill file a claim with XXXX XXXX  as well because I dont own any money to them or Reliant Capital Solutions XXXX Its been XXXX  years since I graduated from XXXX XXXX  and this is the first time I ever heard of this company Kindly XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX 2017, as I was having issues purchasing Bitcoin from the cryptocurrency company Coinbase, INC, I updated my account info to include my state of residency. The address I used was in the state which corresponded with the ID they have on file. This is not my primary address, although I do use it still occasionally for official business as my current address may change and I can still receive mail at the old address. Coinbase suspended my account, stating that they do n't allow for residents of that state to use their services, although this was not an issue when I created my account nor was I notified of any change. I immediately contacted them asking to change my address to my new address in a state that they do business in, but also gave the option of sending the XXXX Bitcoin in my account to a different Bitcoin Wallet. Their website states that even if an account is frozen funds remain in the wallet until the account is unfrozen. In return to my complaint, I received two automated email responses stating that due to high traffic at the time the incident occurred they could not get to my complaint at the time but should expect a response within 72 hours. The second email I received requested response if the issue was not addressed by the automated email. I responded, expanding on the issue and requested only a Bitcoin transfer as I no longer wished to do business with them. I received no further responses regarding this issue. On XX/XX/XXXX, I added an additional reply to the open case I had stating that I had not yet received a response and that they did not have the right to withhold my funds. I filed another separate complaint with them on XX/XX/XXXX, to which I got another automated response stating that due to high traffic I should expect up to 72 hours of delay before I receive a non-automated response. This second complaint I opened was merged into the previous one for having similar content, yet I received no response. I have received nothing further from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccuracies to me credit report and after disputing them for over a year, they continue to report them verified without any documentation that I requested from them per the Fair Credit Reporting Act. There are 5 accounts that I have disputed due to last payment dates being different from 1 credit bureau to another. I asked for the names and phone numbers to each and every human Equifax verified with and they have not sent me anything. I am including the last letter sent to them asking for all verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in your inquiry issue and they were placed on my credit. I called customer service and they would not take care of the issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

-While pursuing our mortgage commitment through Bank Of America ( BAC ) for our new house, we realized that another customer ( XXXX XXXX ) was sending messages to their customer service via the online message center as us ( the messages showed up in our account ) -In this message he expressed concern about communication that he was seeing from BAC to another customer ( us ) -He stated that he is seeing mortgage applications filled in with our data -We brought this up with XXXX XXXX ( our loan officer at the time ) and his manager. They offered us a credit monitoring service but were unable to let us know what data of ours they had exposed to the other customer -We repeatedly kept asking for proof of what information was leaked and they kept giving us excuses and telling us that the information is not stored anywhere Having worked in IT my entire career, I continued to call them out on their excuses and after escalating the issue, we had a conference call where his manager agreed to credit us {$6100.00} for the trouble that they put us through -When we reached out to them to get our actual mortgage, they said they will not honor the credit and atone for a mistake made by an officer that was no longer there.
Product: Checking or savings account

I maintained an E-Checking account with Bank of America, which is an account without monthly maintenance fees. Without my consent, Bank of America automatically converted this account to a Core Checking account and automatically deducted {$24.00} from my account in monthly maintenance fees ( {$12.00} XX/XX/XXXX and {$12.00} XX/XX/XXXX ). On XX/XX/XXXX I contacted Bank of America XXXX and was transferred to a manager. The manager stated that I " should have been notified '' of the automatic account conversion for all E-Checking accounts to Core Checking account, and therefore would not reimburse the fees, which were deducted without my knowledge. I requested that an official dispute be filed for their company to review, and the manager declined. I requested a ticket number which documented the conversation, and the manager declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Cant verify and experian will not take it off
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 those account 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 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, credit repair services, or other personal consumer reports

experian has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the target red card and XXXX XXXX XXXX credit card and loan accounts.
Product: Debt collection

I noticed this company on my credit report and took actions on getting this matter resolved without any resolution. Starting back in XX/XX/2017, I have reached out by certified letter asking for this company to verify by the two accounts they have on my credit report. The account numbers are : XXXX {$580.00} and XXXX {$490.00}. In said letter it stated that I had no knowledge of the contracts nor did I give permission to anyone to represent me to get said contracts. I requested that physical verification of the original contract and certified consumer contract that is wet ink signed. of any and all accounts that they requested to be posted to my credit report. ( FCRA Section 609 ( a ) ( 1 ) ( A ). Due to the fact that copies are not validation and by law are not considered proof, this company failed to even provide anything at all. Due to their lack of responsibility, these actions have adversely affecting my credit worthiness and as a result I am being denied due to their inaccurate reporting. I demand IMMEDIATE and PERMANENT removal of the two above mentioned accounts from all 3 credit bureaus and their data base.
Product: Bank account or service

I made a ATM deposit on XXXX XXXX at the chase bank atm located on XXXX XXXX XXXX, XXXX Tx XXXX, ATM # XXXX. The ATM experienced a technical problem, and I was not able to see if my deposit was successful or not, and a receipt was printed to me with a number to call. 
I called the number and they filled a claim and asked me to wait 72 hours, after that, I was told that the claim was denied and there is nothing to do. 
I filled for a police report and with that, they made a second investigation but it was denied again. Since then, I am trying to get to my money to pay my rent, which is already pass the due date. 
I am now filling this complaint because there is nothing now my bank want to do to help me and I do not know anywhere else I can go. 
thanks for the comprehensionXXXX XXXX XXXX XXXX XXXXPHONE NUMBER XXXX : XXXXXXXXXXXX have attached my DL Id, the ATM receipt, the police report and the email I have received from chanse bank