23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to this company in regards to an alleged debt that I owed them with a debt validation letter where I requested the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 
6 ) The purchase agreement ) 7 ) Swear under penalty of perjury you were present during the alleged debt ) They responded via email with XXXX document from the company XXXX XXXX XXXX which had my last bill amount on it. That document proves NOTHING and it is not validation. It is a deceptive form under 15 usc 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

This collection agency along with the credit bureaus are in violation. The credit bureaus are allowing invalidated, inaccurate information to be reported to my consumer report which is a violation of 15 U.S. Code 1681e ( b ). 

On top of that the " amount owed '' doesn't even match. 

Remove this account.
Product: Credit reporting or other personal consumer reports

I have friend with the same first and last name. We lived together in the early XXXX, ever since that time our credit information has been commingled. We have been trying for years to fix this to no avail.
Product: Money transfer, virtual currency, or money service

I was invited by a woman I met through social media to start investing in crypto binary futures. I began investing on XX/XX/XXXX. Wire transfers were made from my bank account to XXXX. There I purchased XXXX in the form of Tether and transferred it to the trading platform on XXXX and then on SUNBIT. I made approximately 15 wire transfers for about $ XXXX. Gains kept increasing and my portfolio reached $ XXXX When I tried to withdraw the funds, I was told I needed to pay 15 % taxes on the $ XXXX gains before I could withdraw funds. Taxes amounted to $ XXXX and I made partial payments. When I made a payment, funds would still not be released and new payment requirements were assessed. The only communication available with them is through Customer Service. I have received a few emails, but all through a Help Desk style format. I currently have $ XXXX in my account, but no way to access or withdraw the funds. I believe the platform is located in XXXX. 

Here are the platforms I traded on : SUNBIT trading platform : https : //www.sunbitsite.io ( migrated from XXXX platform in XXXX ) XXXX trading platform XXXX XXXX XXXX XXXX XXXX XXXX ( shut down and moved to SUNBIT platform in XXXX ) I had email contact from this address : XXXX XXXX ( XXXX ) XXXX reply-to : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On the XX/XX/2023 SYNCHRONY FINANCIAL have an prequalified tool that I used on their website that advised multiple places on the page that Ill will not affect my credit score and after processing the pre qualification they put an hard inquiry on my credit report that I did not authorize. This false advertising on their website. I would like for this company to update this information on their website and remove this inquiry on my credit report.
Product: Credit card or prepaid card

This bank USAA has continued to charge me late fees. Each month, I have made my payments using my bill pay for my bank XXXX XXXX XXXX. Every month, USAA sent my payment back and not once tried to get a hold of me to make me aware that the full account number needed to be on the front of the check that is sent in. I have called USAA several times letting them know that this was an issue that my bank kept sending payments in on my behalf and none of the checks were being cashed by USAA making me accrue a late payment. Why would the representatives not know that the full account number is not disclosed on the statement, but USAA expects me to guess this information and know that it should be on the cashers check before my bank sent the payment in. USAA 's reps didn't know, so how would me or my bank know that this was an issue? USAA allowed this to go on since XX/XX/XXXX, which is almost 1 year of sending back my payment for my credit card. They should not have been charging me any late fee when my bank issued a check. Why didn't anyone know that this was going on almost every month for almost 1 year?? This is a banking issue, not an issue where I had any control. I made my payment on time each month in good faith. Why would this type of thing even be going on with a Federal Banking institute? Today ( XX/XX/XXXX I received a call from XXXX XXXX XXXX ( Advocacy Advisor I ) ( XXXX ) XXXX ( Mobile ( XXXX ) XXXX, shortcut # XXXX, spoke to her by phone for 1 hour, told her about me being charged all those late fees and explained to her that I expect USAA to refund all those charges and that this issue was through no fault of mine. I have a printout of all the checks that my bank ( XXXX XXXX XXXX ) made out and sent to USAA to only have those payments be returned back to the bank and I bee charged a late fee. This is not right and I expect USAA to refund any additional late fees they they charged me XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX for {$25.00}.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I never had a contract with this debt collector for any debt. No proof was provided from the original creditor that this debt collector owns the debt and has the legal authority to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

AARGON COLLECTION AGENCY accounts # : XXXX, and # XXXX has violated my rights Under the FCRA and the FDCA. Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE! They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; XXXX XXXX has contacted me multiple times without consent and sent me letters which VIOLATES 15 U.S.C 1692b section 3 that states A debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. After breaking all of these laws and violating my rights I demand justice and for the accounts above to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX  DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

Claim number : XXXX Never in my life I have seen such a bad, useless customer care service and a department for Fraud & Dispute which does not know its work.

After 3 days of trying to get hold of fraud team and after numerous call holds for 2 -3 hours each finally on XX/XX/2022 - XXXX XXXX  I was able to speak to someone from Fraud and Dispute team. ( I wish I could have spoken to someone more knowledgable on subject ) Cust Rep Name : XXXX Team : Fraud & Dispute I told her reason for the call, asking her reason on why my dispute claim was rejected. She said I should submit a police complaint and they will help me get money back. I asked why we have fraud/ dispute team then, she said I dont know. I told her about " FCBA '' and asked about points mentioned in " https : //consumer.ftc.govXXXX XXXX XXXX XXXX FTC for which she said she is not aware and put me on mute. I was shouting/ asking questions on call, but she went somewhere and later I could only hear keyboard noice and finally she disconnected me. 
If this is kind of team you have with such kind of persons, then BOFA is a bigger fraud and their banking license must be cancelled.
Product: Money transfer, virtual currency, or money service

PNC Bank will not allow me to connect my account with XXXX
Product: Credit card or prepaid card

I recently concluded a transaction dispute through Bank of America credit card 's dispute process, involving an online guitar purchase, which I discovered, upon receipt, was not as described. It turned out to be a B-stock guitar, which reduces it's value considerably, and also had a number of defects. I spoke to the merchant, requested a partial refund and he indicated he would only refund my money if I returned the guitar at my own expense, or he would reimburse me {$50.00}. Shipping a guitar is very expensive and {$50.00} is far less than the diminution in value so his proposal was unreasonable. 

After Bank of America denied the claim, I spoke to a supervisor who first indicated that as I had replaced the old, corroded strings with new strings before making the claim, I had " altered the guitar. '' According to the supervisor therefore, Federal guidelines prohibited a charge back. I requested a citation to the guidelines and then the supervisor claimed that it was not, in fact, Federal guidelines, but Visa guidelines which prohibited them from authorizing a chargeback. I have reviewed Visa 's guidelines online ( as best as I could find them ) and see no reference to any such rule. But more importantly, the guitar was not altered in any substantive way. The old strings, which hold none of the value of the guitar, were simply replaced with brand new strings. 

I am attaching all of the documents I sent to BofA, in order to assist them with their determination.
Product: Debt collection

Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. 
In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. 

The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. 

Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.
Product: Checking or savings account

Chase closed my account XX/XX/year> and refused to say why, this put me in a financial bind as that was where my money was housed. They waited months to send me the balance from the account at the time of closing. I do not understand why my account was closed, and do not understand why they refuse to provide a reason. All the agents were trained to say I dont have to tell you why, what kind of response is that? When I apply for a new account in which they continuously sending me offers for new customers with the {$300.00} offer every month, yet when I try to take advantage of the marketing offers that are being sent to my email frequently and consistently, I am denied.
Product: Checking or savings account

Hello, On XX/XX/2020, My TD Bank accounts were hacked and drained. It started with a call from the TD Bank fraud alert number calling me. I verified the number and was ( what I thought ) assisted by a fraud employee. After following what the fraud employee told me to do, ALL MY MONEY WAS STOLEN!!!! To make it even worse, I went to my local branch in tears. They filed a complaint for me, I went to the police dept. and filed a complaint as directed. Pictures of my phone were taken and verified it WAS TD Banks number. The bank found ME at fault. I refiled the complaint per my XXXX, Ma Branches direction. I again was found at fault. TD Banks response was that I agreed to the hackers requests. I stated that IT WAS TD BANK THAT I WAS ON THE PHONE WITH. Td BANKS RESPONSE : But it was a phishing call!!!! Sorry there is nothing we can do. HOW WAS I SUPPOSE TO KNOW THAT???? 
I have been with the bank since they opened. Nothing they can do to help me???? I am floored and very disappointed with the response and assistance I have received. I am a XXXX and I work 2 jobs and place everything I work for in the hands of TD Bank for what??? 2 WEEKS BEFORE XXXX, I LOST EVERYTHING I WORK FOR. They again told me today per the Leadership team, that I agreed to the withdrawals. I again explained that the calls were from TD Bank. XXXX ( Bank rep ) stated that TD Bank would not have called me like that. I do not know where else to turn. 
Please help. 
Thank you for your consideration in this matter. 
XXXX XXXX
Product: Credit card or prepaid card

I was approved for XXXX XXXX ( XXXX Credit Card ) on XX/XX/2017 my limit was {$4500.00} and this was due to moving into my New three story Town House in 2017. I knew my Credit Utilization would increase quickly due purchasing I needed to make with my new home. But I gave myself 1year and 1/2 to pay everything off!

My limit was dropped drastically to {$100.00}!!! which is going to drop my Credit Score drastically!!! because of my outstanding balance. Which will seem like I am over my balance!! I did not receive a letter or notice or phone call! I just happen to review my account today and my credit limit was dropped to {$100.00} with no explanation!!!! 

Which makes no since!!! When I was approved spoke to Customer Care rep. about purchases and they said that was fine just make sure to make payments when due and if there was any issues they would notify me!!! So I made the purchases that day! but did not receive payment due until months later based on what rep told me this was the norm- I knew my utilization was going to increase because of the purchases which in turn would decrease my Credit Score!! I asked another rep did they need to make a notation in the system they said no, and the only other thing that happen besides that was payment was a few days over on one payment due date to hospitalization ) and they told me I was fine and in good standing!!! so why was my line of Credit decreased!!!! Without any notification at all!!!! Its like we as Consumers have not say or Rights anymore!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax Mortgage Services assumed this role and my direct written instruction/permission was never given. Equifax Mortgage Services is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax Mortgage Services did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax Mortgage Services did not have a permissible purpose under 1681 b 2. I never instructed Equifax Mortgage Services to furnish this report and I never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I was going through my XXXX report and I notices an unauthorized hard inquiry and I was very upset. Because I have been dispute this since XXXX and XXXX over a year and the company fail to remove it.
Product: Debt collection

I am a person of identity theft I have filed a police and report and FTC report and still receive fraudulent activity on my credit report
Product: Mortgage

I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. 
They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. 
I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.