23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020. I was looking to buy a specific breed of cat online. I did my research and contacted many sellers and the I found the little kitten that melted my heart. The breeder said I need to make a deposit to reserve the kitten. They had send me an email with shipping informations, instructions and methods. I couldnt wait to bring the little angel home. He told me how loving the kitten is and how lovely I would feel having hers I used Chase QuickPay to send over {$300.00} deposit as the the scammer says thats his preferred method. Once he received the money he stopped providing me information. I started to have a bad feeling and spend the next 5 hours digging for information and I found out that this website XXXX XXXX XXXX registered under XXXX XXXX  XXXX is a fraudulent site they have been reported as scam but havent been shut down. Im emotional broken, I was already getting ready to welcome my kitten home. I tried to look for help and then I found out that Chase Bank uses quick pay with XXXX does not prevent fraud.
Product: Debt collection

I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. 

Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I  received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX   XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. 

I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. 

I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. 

There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.
Product: Credit reporting or other personal consumer reports

An account was opened in XXXX of XXXX for the amount of XXXX $ of which I have no knowledge. I did not authorize or initiate this account, and its presence on my credit report is inaccurate. I am formally disputing this matter and requesting an immediate investigation, as this erroneous reporting is negatively impacting my credit profile
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the following accounts listed on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent certified mail a Debt validation letter requesting the following, which under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled too : I dispute the validity of this debt and request that you provide me with the following information to validate it : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Proof of the agreement or contract between the original creditor and myself.

4. Proof that you are licensed to collect debts in my state.

5. A complete payment history, including the dates and amounts of all alleged transactions.

I've also sent another Validation Letter on XX/XX/XXXX, and to date have not received any information. The company has also been instructed to cease and desist any communication until such time as the debt been validated. From XXXX XXXX XXXX I have received 14 calls from the company and multiple times a day. I even answered and explained there is a cease-and-desist letter, which they're in violation of. 

There are numerous violations and lack of cooperation on behalf of Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on XXXX, XXXX  & Experian due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately.

The following accounts are in violation and need to be deleted XXXXXXXX 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 XX/XX/XXXX my purse was stolen with all my information. I filed a police report with officer XXXX/Report # XXXX. Someone then took out a loan in my name with a company call XXXX XXXX XXXX original creditor XXXX XXXX for {$3600.00}. I filed identity theft paperwork with Experian Credit Bureau on XX/XX/2020, they removed the other item that was fraudulent from off my credit but not XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2021 Called XXXX Law Office of Brett M Borland, P.C. 

Amount {$590.00} Spoke to account manager. I told him I didn't agree with all the charges. But wanted to discuss settling the account. I told him the charges I had were incorrect. As we reviewed, and discussed the charges, he became argumentative and said too bad I should have disputed it when I moved out. He said I was being rude and condescending when I told him it's against Texas State Law to charge for items in an apartment lease that are considered wear and tear. He stated " Oh when did that become law ''. I told him what I would agree to pay and he blatantly said that wasn't going to happen. I then ended the call when he continued to talk over me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my Experian and XXXX consumer report, under an open end consumer credit plan. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have been with BOA for 21 years, during that time I had a checking acct linked to a line of credit. A week ago the bank discount the line with informing me, I found out when my wife went to the store and her card was reject for lack of funds. She informed me I went to the bank, they said my line was disconnected and they ca n't reconnected it back. I asked why they '' we do not offer that service anymore, although we disconnected it and it a bank error, we ca n't fix it! '' I have spoken to various people in the bank, no one will help me!!!! 
I asked the if they did away with all acct like this, they said no if you have it you are grandfather in. I said if I had this service for 21 years and the bank disconnected it out tell me why ca n't reconnect the line, it is still open. the response I got was unbelievable " we will not do it and that it! '' How do I get this resolved??? I want my line hooked back up to my checking acct. I call the executive branch of bank of America, they said they will not do it Thx XXXX XXXX
Product: Credit card or prepaid card

I have been a Bank of America Customer for 15 years and have never been late on a payment to them or any other credit card and always pay my bill in full as soon as I receive it. When I received my statement for XX/XX/XXXX - XX/XX/2023 I paid it immediately by check like usual ( check number XXXX ). When I received the following month 's statement XX/XX/XXXX - XX/XX/XXXX, I noticed I was charged a late fee of {$25.00} and interest of {$6.00}. 
I immediately called customer service and waited 46 minutes to speak to someone who I could tell by the tone of his voice that he was overwhelmed and tried to rush me off the phone as quickly as possible. He told me no check was ever received and there was no way to check or trace if the check was received and it was probably lost and that I needed to contact my bank and put a stop payment on the check. Which I did. I paid the bill with interest and late fees so I could just get on with my life. He also recommended that I set up online banking so I could just pay it directly from my bank account which I will not be doing as I do not trust this bank anymore. I work in finance I am aware of the problems BOA is having with fake accounts and fraudulent interest. 
I just received my statement for XX/XX/XXXX - XX/XX/2023, and they just charged me an additional {$8.00} in residual interest even though my account was paid in full and early. 
I strongly suggest some type of investigation be initiated as it seems they are trying to get unjust fees from elsewhere from their customers. I will now waste at least another hour on the phone trying to resolve this.
Product: Checking or savings account

Around last fall, 5/3 Bank closed both my sons minor checking & savings accounts w/out notice to myself, his mother who was also on the account. Claiming due to fraudulent activity, it was not him! Unfortunately it was a scammer. I, as a parent being on the accounts also shouldve been alerted & notified of any suspected fraud! He hadnt used the accounts in awhile, & we only recently found out due to him trying to set up direct deposit for a newly acquired job. Now he can not open another account, at any other banking institution because they have flagged his information.
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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  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: Checking or savings account

I book a XXXX and the host didnt want to give me access to the property. I call my bank to dispute it and they told me they wont be able to dispute the transaction under section E. I have to book another XXXX  for almost the same amount as the first one. They kept saying the claim can not be disputed under regulations section E for not receiving good or merchandise
Product: Credit reporting or other personal consumer reports

I applied for a credit product on or about XX/XX/25 and was denied. There is no reason why I would reapply on or about XXXX. That inquiry is a error on the part of the bank.
Product: Debt collection

This company JEFFERSON CAPITAL SYST is trying to collect a debt that I do not owe. I did not open up an account in XX/XX/year>. They are reporting this account on my credit report as negative. They will not remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACIMA Digital FKA SIMP account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

it's the same scammers in Georgia Direct Recover Services. There are plenty of complaints online about them and a class action suit was filed in XX/XX/2017 I owe nothing to the company the claim to represent. When I called the number and provided a reference number they left on my voicemail, they became threatening and verbally abusive, just like before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Debt collection

I was looking over my credit report and seen fraudulent charges that I did not do on my account from this creditor.
Product: Credit reporting

XXXX, FL 32907 XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


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

XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Product: Debt collection

I sent a debt validation letter on XX/XX/XXXX in which the debt collection agency received XX/XX/XXXX. This letter has not been responded to and it has been over the 30 days for a response.
Product: Checking or savings account

i XXXX my wife, XXXX XXXX ; it did not get posted I contacted Wells Fargo for the return of my funds they said they could not post for 2 days this is my money ; I want back immediately
Product: Bank account or service

I previously had an account with JP Morgan Chase. I held the account for 4-5 years. The account was set up in XXXX, Michigan at a time when I was residing there temporarily. 
A few months ago, I had approximately {$6000.00} in the account. I received a transfer of {$50000.00} from a friend of mine regarding some business we were conducting. Suddenly I was unable to access my account online or on the telephone. Eventually, after numerous telephone calls, I was told my account was being closed and I would be mailed a cheque for the funds. I waited patiently and no cheque arrived. I then called again after a few weeks and after numerous phone calls found myself speaking with the Executive Office. They again promised to post the cheque. It never arrived. I called again and after being thrown around again I was told the {$50000.00} had been sent back to the originating account and the {$6000.00} was being retained for administration fees. I have checked with my friend and he has confirmed that he has not received back the {$50000.00}. This is outrageous. I have been given no explanation, and in fact now when I call up they tell me they can not speak with me any longer. I have not been in any way untoward. I have been professional, courteous and patient, but they refuse to speak with me now. I am not sure why this has happened. There is no illicit activity from me and I have given no explanation. I now find myself having to reach out to you for a resolution. I have spent a lot of time, effort and energy trying to get some information and my money back. I am owed {$56000.00}. I have also spent a lot of money on expensive international phone calls.
Product: Credit reporting or other personal consumer reports

I recently seen my credit report and didn't recognize some of these accounts was on my report. I think these accounts are fraudulent and I have know knowledge of ever applying with these companies please remove all Inquires that doesn't belong to me XXXX TRANSUNION XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please I ask that these companies Remove these items TOMORROW Because from my understanding that these reporting agencies by law are supposed to report accurate and factual Information to my report.
Product: Payday loan, title loan, or personal loan

We are trying to register our car in XXXX. We just moved from XXXX We need documentation from the bank to do this. We have requested the information multiple times over several months. They fail to complete the paperwork and fail to communicate with us about the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has been using my information I have been trying to get these removed for a while no results so I recently went to the police department and they gave me a police report to send to bureaus they said this will help me and my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Federal Account : XXXX US BKPT CT XXXX  XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act convergent account National Commercial services has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions