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 is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Product: Credit reporting

I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

This information has been put on my credit report bringing my score down
Product: Credit card or prepaid card

I initiated a dispute on XX/XX/2022 ( claim # XXXX ) with Bank of America over the amount of {$700.00} charged on XX/XX/XXXX by XXXX XXXX XXXX. As an in-network provider contracted with our insurer XXXX, I should have only been charged {$330.00} for the XXXX XXXX provided on XX/XX/XXXX. After 3 conversations with a representative from XXXX XXXX we were unable to resolve this issue and disputing this charge while still in the 60 day window that allows for disputes seemed the only way to recover the amount I am owed. 

Below are some details of the correspondence between myself and Bank of America since the original dispute was filed : On XX/XX/2022 I faxed supporting documentation for my claim to Bank of America clearly outlining the above. 

On XX/XX/2022, I received a letter acknowledging the disputed amount and a credit was placed on my account On XX/XX/2022 I received two letters from Bank of America. One letter stated that the amount we were billed was calculated correctly without any additional explanation. It referenced case # XXXX. The second letter, which did not include a case number, stated that the merchant responded to the dispute and that we would be notified when a decision was made. 

My husband and I made several phone calls the following week in an attempt to understand the status of the claim and had the following experience. 

On XX/XX/2022 we spoke with a representative that said that the first letter referencing case # XXXX was sent by mistake and that we would receive a credit back on the account for {$360.00}. 

On XX/XX/2022 we spoke with a representative ( XXXX ) who was not helpful at all and instructed us that we had to wait until XX/XX/XXXX. I asked to speak to a supervisor and was told that no one was available, but we would receive a callback within 48 hours. 

On XX/XX/2022, after not receiving a return call from a supervisor, we spoke to XXXX who was helpful and told us to expect a credit back within 48 hours and that our claim had been escalated. 

On XX/XX/2022, we spoke to XXXX who explained to me that the 48 hours I was told about the credit was really only for the escalation to be assigned to someone to review. 

On XX/XX/2022 we received a letter dated XX/XX/2022 that stated our Claim ( # XXXX ) was being researched. 

We are now 90 days from our initial dispute. We do not have any credit to our account, any reasonable explanation as to why the charge is being allowed, or any explanation as to why there are multiple case numbers. As a long time Bank of America customer, this entire experience has been disappointing.
Product: Credit card or prepaid card

In XX/XX/XXXX, I made a purchase at Ashley Furniture XXXX XXXX, financing {$1800.00} ; 1-year same as cash, minimum monthly due of {$65.00} by the XXXX of the month, first payment due XXXX XX/XX/XXXX. ( Financing provided through Synchrony Bank ). The following paid dates are the dates payments were credited to my account : XX/XX/XXXX Stmt paid XXXX ( 10 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 8 days early ) ; XX/XX/XXXX Stmt paid XX/XX/XXXX ( 7 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 14 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 19 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 38 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 26 days early ) ; XX/XX/XXXX was paid XXXX ( 25 days early ) ; and XXXX Stmt, final payment, was paid XXXX ( 31 days early ). ALL of my monthly payments were paid EARLY, the amount financed was paid off in 8 months ( 4 months early ), yet Synchrony has charged me monthly {$30.00} financing fees since XX/XX/XXXX. Phone call & posting this info to my online account has been to no avail. Synchrony Bank refuses to address the invalid financing fees, which make up the so called balance due ; and they keep charging these invalid fees. Apparently, Synchrony Bank has an unscrupulous agenda, and they aren't budging.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ Account Number or Reference Number ]. I recently reviewed my credit reports from the three major credit reporting agenciesEquifax, XXXX, and XXXXand I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected.

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA.

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection.

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I purchased a vehicle 2 months ago and I paid the person with XXXX, and he assures me the car fine, I XXXX XXXX the car and it was perfectly fine, but after a couple of days a lot of issues started to happen and now the car is parked with repairs of more than XXXX, next 2 days I called and text the seller and never got a reply, and now my bank which is a bank of America is not helping me get my money back, please I need someone to help me. The amount is more than XXXX.
Product: Credit card or prepaid card

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

On XX/XX/2021, I went to ATM to take out {$500.00}. There are 2 ATM machines at the drive thru at Bank of America. When I tried to take the money out, it did not give me the money, the machine acted as if it did. I immediately called the XXXX # on the machine. It was the XXXX Fraud #. The rep told me to try again and he would enter a number on his end. The machine did not give me the money again. I told him there was another machine next to me. He said to drive to that machine and try it again. So I did. That 2nd machine disbursed the {$500.00}. When I went home, I looked on my account online and the statement showed 2 {$500.00} deductions. I called the XXXX Fraud line again and they told me not to worry, that they would put in the dispute and temporarily put the {$500.00} back in my account. Two weeks ago, the BOA took out {$500.00} from my account and informed me that the dispute was lost because they found that the transaction was valid. I appealed it and it went back into re-consideration. I was recently advised that I lost the 2nd dispute and could not appeal again. -- I'm told that the camera shows me receiving the money. But, I was informed verbally by the rep, that the dispute was made on the 2nd transaction and the video was only viewed for the 2nd camera. Not the first transaction and not for the 1st ATM camera. When I asked them to show me the proof, they said I had to get a supheana. They also told me verbally that they checked both cameras and both ATMs, but they won't put it in writing. The rep I spoke to informed me verbally that the dispute is only for one transaction, but the claims department won't let me put in a 3rd dispute for them to look at both cameras for both ATM machines. I didn't receive {$1000.00}. The transactions shown on my statement are not time stamped, therefore, I don't know which one is first and which one is 2nd, so I don't know which one they disputed and which one is right and which one is wrong. All I know is that I only received {$500.00}, not {$1000.00}. I have attachments showing that they only say they viewed 1 camera for 1 ATM.
Product: Debt collection

My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been requesting for these inquiries to be removed since this might be the cause of the XXXX data breach. I already mentioned before that I don't know anything about these but you keep on ignoring my requests. I already filed a report to the FTC about these and it will be investigated. Please remove them from my report while they are doing the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or not authorized. 
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 applied for a FHA re- finance loan. XXXX XXXX was aware that I had been trying to get Transunion and XXXX to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call 3rd party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked Transunion and XXXX to remove them and they would not as the tradelines information reported are not vaild
Product: Debt collection

I seen this account on my credit file multiple time. I tried to dispute it. The company told me I have to make a police report when they respond to this complaint that I make before so I have my police report now I would like to be removed immediately. 


XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$450.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$450.00} Highest Balance {$450.00} Opened Account status Type Responsibility Remarks XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Open Derogatory Individual Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name Closed XXXX XXXX XXXX XXXX XXXX  No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit report the list of accounts below have violated my federally protected consumer rights to privacy and confidentially under act 15 USC 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
From the following companies XXXX XXXX XXXX mainline XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2022 - received letter about transfer to new servicer. Letter said, " XXXX ( current servicer ) will stop accepting payments after XX/XX/2022, your new servicer, Lakeview Loan Servicing will start accepting payments received from you on XX/XX/2022. My account with previous servicer was on auto-pay to be paid on XX/XX/2022 and it was paid! When Lakeview was EXPECTING the payment on XXXX XXXX, 2022 there was no money sent to the new servicer. 
XX/XX/XXXX I tried to set up auto pay on the new servicers web site, I was told I could not because I was delinquent - what? I immediately called new servicer and was told I could not set up auto pay until I was current. And they did not accept debit/credit cards. Now I'm baffled ; upon checking my account there was money in there that apparently was returned to the account but I didn't know it! I called back and was told I could send cashiers check or money order ; since they don't take cards and I didn't have checks. Unfortunately, other items hit my account and I did not have all the money at this point ; when I finally paid XXXX in full it was XXXX ; and I had to pay XXXX in XXXX PLUS I paid XXXX in order to get caught up. XXXX 's payment was made on XX/XX/XXXX ; two days late. At this same time I finally set up the auto pay for the new servicer. In XXXX I received a notice that I was eligible to refinance ; after crunching the numbers this made sense for me ( after COVID, I was behind in some credit cards ) however Lakeview Loan officer informed me since I was late XXXX and XXXX payment I was not qualified unless the mortgage servicer ( MyLoanServiceLakeview ) *same company different divisions... they were under the assumption that RESPA would prevail, it did not ; and they submitted a escalated request to address the issue ; after two months of waiting they notified me I was technically late!! This is not fair! And I have 60 days according to federal law to get set up when being transferred. How is this my fault? I am seeking relief ( ability to put in application for REFI ) and an explanation of what went wrong here. XX/XX/2022 ( pay the old servicer ) XX/XX/2022 ( pay the new servicer ) simply does not make common sense. I don't know anyone with two months of mortgage payment lying around post COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) Transunion File XXXX XXXX Report XXXX XXXX Report XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) Account # : XXXX ACCOUNT XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX XXXX TransUnion BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!