23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV & Resurgent did not provide the proper validation that I asked them to send me. I disputed this last week and received a notification saying that I am complaining about the same thing. It isn't a duplicate dispute. I never received any documents or contracts of any agreements with LVNV or Resurgent certified mail. I asked for the companies to provide each step and the proper steps of validation. The process of who they talked to, to validate the deb, original contracts of any sort. Who you talked contact and the persons address and phone number you talked to that provided this information. I have a screen shots of the accounts dated active on XX/XX/2024 I will be attaching them along these dates are incorrect of any activity. I was never given any proper notice via certified mail of no documents whatsoever. There's several issues going on here and it seems fishy and fraudulent of this company denying me the proper validation, any contracts. I have no activity with this account nothing at all. Date opened where was this and what application? Please provide any and all contracts to open this account. Provide legal and proper validation of person place time I applied for account listed on my consumer report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Bank of America customer service due to suspicious activity involving my XXXX XXXX XXXX XXXX upon logging in to my account online. There were 3 three transactions in Pending status ( Two transactions on XX/XX/XXXX, both in the amount of {$80.00}, and both to the same company : XXXX XXXX XXXX - an electronics company, and another transaction onXX/XX/XXXXto XXXX XXXX XXXX XXXX XXXX  in the amount of {$16.00} ).

The supervisor, XXXX, stated that even though the transactions were pending that the charges had already been processed and they could not be reversed. She stated I would have to fill out multiple documents online, some of which required me to make police reports and affidavits that needed to be

notarized. 1. ) I never lost my card and likely the card number was stolen from an electronic breach somewhere and was used without my card even being present. 2.
) Bank of America did a poor job of monitoring my account for suspicious activity and allowed a XXXX card to be used for everything from electronics and towing services from the US east coast to the west coast in a 3 day period. These charges were not declined nor was I even contacted regarding this abnormal activity.

3. ) Bank of America put it on me to go to extreme lengths to refute this activity before they even began to investigate the matter.

4. ) I was and still am unable to use those funds for their true purpose which are medical expenses in my account due to this fraudulent activity that has decreased my available balance.

5. ) Because it's an XXXX  that accrues interest and allows me to invest in the stock market, I am losing out on interest as well as an increased rate of return due to not having those available funds available to me.

6. ) Because XXXX   expenditures are monitored by the IRS and are tax deductible if used solely for health expenses, I now show expenses being used for electronics and car towing purposes that I will have to report on my tax returns that will count account against me thereby causing me to pay tax penalty on these items.

Bank of America has been unwilling and uncooperative in resolving this matter in a timely and proper fashion. What is worse, they have no way of preventing this from happening again as they informed me that they can not alert me via text message for purchases that are made without the card being present as my other personal credit card companies have the ability to do ( note the XXXX app has deplorable reviews and was inoperable for me as it is for many others based on their comments ). XXXX also stated that Bank of America also has no way of notating my account for alerting me of purchases that are made for things other than their intended purpose with are health related expenses.

Bank of America is responsible for rectifying all aforementioned items above due to their poor handling of credit card fraud despite my due diligence of alerting them to the suspicious activity in a timely fashion.
Product: Debt collection

On XX/XX/2021 this company emailed me in regards to an alleged that they claim I owe them. I responded to the email by asking them to Stop within 48hrs of receiving the email. 

Between XXXX XXXX I received a credit monitoring alert in regards to this company Caine & Weiner XXXXurnishing the alleged debt to the 3 Credit Reporting Agencies without my written convent which is a FDCPA Violation 15 USC 1692e ( 8 ).

Please view attached Documents
Product: Credit reporting or other personal consumer reports

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. SYNCHRONY WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT SYCHRONY BANK KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO SYCHRONY IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL XXXX BUREAUS.
Product: Credit reporting or other personal consumer reports

I constantly check my credit report and noticed that the errors and false mislead information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time Im demanding CFPB to enforce the correction and deletion of these items
Product: Mortgage

1. We started the refinance process on XX/XX/XXXX, 2020 and was assured that it would close within 45 days, we paid {$50.00} dollars instead of the requested {$500.00} to initiate the refinancing process 2. It is now XX/XX/XXXX2020 and no refinance 3. We have provided your company the necessary documents as requested 4. Your company was advised early in the process that any requests having to do with the XXXX property would NOT be filled as that property has NOTHING to do with the refinance of the XXXX XX/XX/XXXXproperty 5. After the 45 days passed we were asked to provide updated paystubs we did 6. Still the refinance did not close 7. Then you requested information concerning the XXXX property. Much to my chagrin my husband provided the information 8. We were provided a new estimate and was told the refinance would close in 3 days 9. The refinance didnt close, instead we get another request for more information concerning the XXXX property, which again was provided much to my chagrin 10. The refinance still didnt close 11. Today we receive a request for updated paystubs, which will NOT be provided, instead I have chosen to file a complaint against your company 12. You advertise that XXXX  Mortgage is the new way to get financing because it is all done online 13. The XXXX poor excuse I was given for our refinance taking so long was due to COVID-19, since the mortgage company was designed to operate online there is NO excuse why the loan should not have closed prior to the 45 days. The company did NOT have to scramble to come up with a new program to do business online
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Product: Credit card or prepaid card

This credit card was set up while I was working with the furniture store that sold the policies on behalf of the company so I am very familiar with how they were marketed. This was to be a 6 month- no interest payments that were to be in addition to another plan for no interest over 3 years. Both were marketed as " make the minimum required payment that we set up and it will be written off after X months ''. I have now made payments for over 5 years with XXXX 's charged in interest and a balance of XXXX on my account. While disputing this, I have been charged multiple late fees and had a late payment reported on my credit. I want my money and the report fixed. 

XXXX XXXX called filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and was told complaint wasn't filed because my address needed updated. I updated address and again filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and escalated up to highest level and was promised call back. No call back was received as of XX/XX/XXXX. Multiple representatives now claim that the interest was valid because the minimum payments made only applied to one of the credits at a time so the payments over the last 2 years were all interest built up while making payments for the first 3 years on the other credit. 
I advised I would be filing complaint and suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX please have it reflect that way on my report I have attached my passport for identity purposes. Please remove any other addresses expect for XXXX XXXX XXXX XXXX PA XXXX.
Product: Credit card or prepaid card

I had used my Chase Credit card to purchase airline tickets. The flights were eventually canceled due to COVID and the airline declined to issue a refund and instead gave a voucher for travel on future date which is not acceptable to me. 

So I filed a dispute with my credit card issuer ( CHASE ) because I was charged for a service that was not delivered. As per the cardholder agreement the card issuer is supposed to chargeback the merchant and refund the charges back to the cardholder in cases where customer was charged for services that were not delivered. 

The reason CHASE declined to refund is because they said my compliant was filed too late. I don't agree with their assessment because the 'service ' has not been delivered yet as they issue the voucher for a future travel date.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Maam : This is my official complaint against Bank of America ( BAC ) regarding HIDDEN FEES which are the worst form of Corporate Greed and were all avoidable as supported below. 

I am going to keep this to the point without going into the XXXX XXXX XXXX XXXX during my 1 hr & 11 min call. 

I have been a Bank of America loyal customer for over XXXX ( correct 32 years not 3 years ) and also a Preferred Customer per Bank of Americas criteria ( not mine ) but really means nothing in terms of Customer Service XXXX 

To begin -- I want to make it known there is a recorded call with Bank of America on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX ( no complaints against those XXXX employees ) which lasted XXXX & XXXX and want executives to listen to. 

I realized Bank of Amerrica was charging me {$5.00} per month for unkown reasons since XX/XX/2023. Furthermore, these charges were avoidable based on my Preferred Status but XXXX completely failed here with Preferred Customer service. 

When I asked a ) why am I being charged these fees and b ) how caa I avoid these fees -- the Representative had to pull out their XXXX of fee rules and was challenged just to answer the questions why & how I can aovid the fees.

My time is extremely valuable and during our 1-hour & 11-XXXX discussion we uncovered in their XXXX of fee rules that the fees were ALL avoidable if Bank of America linked all my accounts for being a XXXX XXXX. 

I asked why didnt Bank of America link all of my accounts when I opened each account? I never received an answer but the truth is that is Bank of Americas Hidden Fee strategy and the worst form of Corproate Greed. 

Not only was BAC unable to answer the fee questions but more imporantly BANK OF AMERICA FAILED TO DO THE RIGHT THING WHEN THEY ACKNOWLEDGED THEIR ERROR. 

This is exactly what our Adiministatation, Congress, and FTC are trying to take down! I have attached a few articles as a reminder for the executives in case they forgot. And now that they have forced me to invest hours of my valuable time regarding these silly hidden fees I am all-in to shine light on XXXX  Corporate Greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erronerously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX  XXXX Collection Account, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX XXXX  plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My complaint is with TD bank and misleading advertising regarding opening a savings account of a minimum {$10000.00} deposit leaving a balance of {$10000.00} for at least 90 days, after which I would be entitled to the {$200.00} bonus. I opened the account on XX/XX/2022 at the TD bank located at XXXX XXXX XXXX, XXXX, Connecticut. In XXXX, I called TD Bank and asked why I did not see the {$200.00} bonus in my account. I was told that it could take up to 180 days for the bonus to be posted to my account. I asked why it should take so long and XXXX XXXX XXXX  said that TD wanted to be sure people didnt open the XXXX Account XXXX and close the account after 90 days. I told them this was misleading advertising and TD Bank should state money should be left for 180 days, not 90 days in order to receive this {$200.00} promotion.
Product: Mortgage

I close in my home ( XXXX XXXX XXXX, XXXX XXXX Florida XXXX ). 
Attached all documents related to this closing of my home in XX/XX/XXXX. 
I moved many times after I sold the house and somehow I continued paying the bill thinking that I owed them after the closing. I stopped paying the bill as soon as I contacted the Title company and they sent me the copies of the cancel check. I contact Chase in XXXX and sent them all the documents of the closing. I tried to talk to them at that moment but they know how to harass but they never gave me feedback or anything to resolve the situation. Suddenly, they stop harassing and sending letters. I thought that this was resolve until I receive the 1099-C. 
Yesterday, XX/XX/XXXX, I called the phone number that is on the letter received XX/XX/XXXX ph:XXXX x. XXXX XXXX XXXX and sent for the second time all the documents via fax ( XXXX ). Today, I called to follow up and verified that she receive the info. She confirmed receiving the documents and also she sent a dispute notification to research about this claim. She stated that I should call them back in two weeks or so. 

I dont think anyone should go through all this if this was paid off. 
I want to report Chase with address : XXXX XXXX XXXX, XXXX CO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my Equifax credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX }, has violated the Fair Debt Collection Practices Act ( FDCPA ) 1006.30 ( a ) by placing this debt on my report without my permission. Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ). Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.