23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have encountered a BILLING DISPUTE LEFT UNRESOLVED BY BANK OF AMERICA and they have said my account is delinquent and did a CHARGE OFF which will ultimately effect my credit. 
I opened up a billing dispute with Bank of America on XX/XX/XXXX and they sent me letters in XX/XX/XXXX ( two months later ) stating they required additional documentation for my dispute. With this regard, I contacted them to obtain more information regarding what they required and they were totally unresponsive when I called numerous times to send paperwork regarding my dispute. They had an hour or more hold times then their line would totally disconnect after having me hold for over an hour. I contacted their main line numerous times and they informed me that their has been several issues with the Disputes department and answering the phone line but they were unable to assist. Since then, I continued to try to get this resolved explaining to them that the items they are charging me for have been returned to the company XXXX ( another fraudulent company located outside of the United States ) and should have been issued as a credit. I have not gotten anywhere with XXXX or Bank of America and they have been less than helpful. Bank of America has now sent my account to the credit bureaus interfering with my high credit score. They are fraudulently charging me these fees and refuse to look in to the matter whatsoever. They can't just arbitrarily close my account when I haven't been issued my refunds for the merchandise returned. They have demonstrated terrible customer service and they need to be reported for their lack of attention to my matter and then making me pay for something that I do not owe. Effective XX/XX/XXXX, they have sent a charge off on my account even after I've explained that these charges are not accurate and I contacted them numerous times to no avail to get this matter resolved. They kindly let me know that they could care less and would not be assisting me in this matter. I'm totally appalled by their mistreatment and lack of customer service to an issue that could jeopardize my credit score.
Product: Money transfers

On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.
Product: Debt collection

I paid all medial debts owed before 2023. Medical debts that started after 2023 is mines. But theres still medical collections on my acct that was paid in FULL.
Product: Checking or savings account

XX/XX/2023 - began the process of securing an apartment in XXXX, XXXX  since I am moving there in XXXX from XXXX, XXXX. 

XX/XX/2023- received a lease form ( signed ) and a request for the first months rent as a security deposit to be sent via zelle or wire transfer XX/XX/2023 - was able to send the first {$1000.00} to the " landlord '' and have a receipt which shows it as delivered. Leasing agent said that they never received the funds. 

XX/XX/2023- received a threatening email from the landlord that I had not paid in full, or any amount for that matter, and needed to send {$2400.00} immediately or else they would lease the apartment to someone else. 

at this point I knew it was a scam so I filed a dispute with my bank on XX/XX/2023 and as of XX/XX/2023 they denied my request saying that I was a willing participant in the XXXX transfer and there was nothing they could do to get me my funds back despite me stating it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Vehicle loan or lease

On XX/XX/2020 I contacted Bridgecrest finance company to inquire about a payment deferment on my auto loan due to my employer reducing my salary amount in response to covid-19. My monthly payment amount is typically {$520.00}. I spoke with a man who stated Bridgecrest did not offer payment deferment but said they could offer to split the payment for the month of XXXX over a 5-month period, with the first payment of {$630.00} to be made on XX/XX/2020. The man I spoke to said that due to covid-19 and the reduction in my salary that missing the payment for the month of XXXX would NOT be reported to my credit, and the payment would not be considered delinquent. I then received an email from Bridgecrest stating that my payment was in fact being reported as delinquent if I did not make the payment for the month of XXXX immediately. I contacted Bridgecrest again as I believed the email I received was in error due to the agreement made over the phone on XXXX. After speaking to several people and having issues with getting them to return my calls, I finally spoke to a manager who told me that they would only dispute the negative report to my credit ( which had already been made ) if I made the payment for the month of XXXX immediately. They told me that after reviewing the recorded call, they would not be able to honor the agreement we had made over the phone even though they had heard what the man told me as their company does not have a policy for deferment. I have attached a screenshot of the text message I received showing the increase in my monthly payment, due to the deferred payment for the month of XXXX.
Product: Debt collection

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX  in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Product: Credit card

On XX/XX/2024 I applied for a credit card in good faith with master card black card but was denied an extension of my own credit violating my consumer rights. According to 12 cfr 1002.7 ( a ) a creditor cant refuse to grant an account therefore I was discriminated against under the equal credit opportunity act as an applicant .This denial resulted in Several violations of my rights including but not limited to 15 usc 1602p Because company used my credit card SSN but no benefit was received by the card holder as defined in 15 usc 1602L. Im seeking compensation for unauthorized use without receiving a benefit because my credit was stolen but I was denied.
Product: Credit reporting or other personal consumer reports

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX XXXX XXXXXXXX Reporting twice 1. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/XXXX, closed on XX/XX/XXXX and reporting as two seperate accounts on credit report : All three agency reporting the same account last payment as : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 2. How can you say you call the company and verified reporting inaccurate information? 3. How can you close the same account twice at the same time on a credit report?

4. How can the last payment be five ( 5 ) different dates and year??? 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX  they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inaccurate information I now have enough credit reports to prove FCRA and FDCPA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report. 

They have all failed to mark each disputed items DISPUTED another FCRA and FDCPA violation which continues to cause damages to me : compensatory and punitive damages. 

PS : I am in possession of all credit reports to prove the violations and errors mentioned in all my disputes to the CFPB. I am giving them another chance to remove/Delete the disputed items before filing a claim in the Eastern District of Pennsylvania Federal Court .
Product: Debt collection

For about a Month and half ago starting in XXXX I would get repeated calls from XXXX at least 4 calls a day, I asked they stop calling me, then a few hours later they would call again, When I call the number back, its says Thank You for calling Paypal, But its not paypal its a collector trying to get my information like my First and Last Name, Address, and Social Security number, I refused, I personally dont have a paypal account in my name, Just my husband but his account is paid in full. Today my son Took the Call and Talked to a Women named XXXX at XXXX, My son told her many times to stop calling, the women said its this matter is taken care they would be calling again, sure enough at XXXX XXXX  they call again, I will be reaching out to a Lawyer because they are harrassing me, and at XXXX and recently was in Hospital I dont need this added stress. I dont owe Paypal anything. Here is the Last 3 days of calls XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX, XXXX I have more from Last Month and the Month before, XXXX finally gave my son a mailing address in XXXX, FL where tomorrow I will be sending a Letter to Demand this to Stop, They are breaking the law by repeating calling and demanding my personal information and trying to take money for something i dont owe. My son told XXXX that he was Planning on calling the XXXX XXXX XXXX in XXXX, FL to start a legal case agaisnt this collection company,
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

The items in dispute are the inaccurate Phone Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my seventh notice to LexisNexis regarding the inaccurate Phone Records that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I have NEVER had the phone number that LexisNexis is reporting and I have NEVER been associated with the phone number that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated these incorrect phone numbers and determined them to be UNVERIFIABLE. 

Since the incorrect phone numbers have been previously reinvestigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this incorrect phone number be promptly and permanently removed from my LexisNexis Consumer Report.
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. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Checkr background services is reporting a misdemeanor offense that was disposed with the courts over 7 years ago. My 7 year clock isnt starting with the offense date or date of sentence. Im starting the clock @ the day everything was done, completed, finished etc.. its been over 8 years Ive been denied job do you this issue that occurred about 9 years ago
Product: Money transfer, virtual currency, or money service

I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.
Product: Credit reporting or other personal consumer reports

The company emailed me someone's personal information, credit card info, address Date of birth etc etc
Product: Debt collection

- TJMaxx Credit Card from Synchrony Bank- I am living in XXXX New York- I had a TJMaxx Credit Card since XXXX ( Acct # : XXXX ) - After late XXXX, i no longer used them, I always paid in time, the balance is {$0.00}. 
- In earlier XXXX, when I login to my online account, my account was closed somehow. 
- I thought the account closed is because i had not used it for a while, so did not pay too much attention. 

- Collection Agent and Calls- In early XXXX, I kept getting Collection Calls from " XXXX XXXX XXXX, XXXX '' - Thru them, i was aware of another credit card issued by Synchrony Bank under my TJMaxx Account from California with {$740.00} balance unpaid. 
- I explained to them I did even know account at all, and Synchrony Bank also never contacted me on this. This is not my debts, I requested for disputing. 
- I asked the collection agent to provide more info for this collection - They provided the credit card statement sent to " XXXX, CA XXXX ''. This is the first time I heard about this address and billing info - In the last 5+ years, i have never travelled or lived in California XXXX Possibly, my identity was leaked or stolen. 
- Collection Agent kept calling me, and mailed me the bills not owned by me- I have been disputing for multiple times, but they ignored it - Other Actions : - I contacted " Federal Trade Commission office '' and filed Fraud Case # XXXX - I contacted Synchrony Bank, they agreed this could be a fraud case, but they had sold the case to Collection Agent, nothing they could do further, and asked me to contact Collection Agent - XXXX XXXX XXXX, XXXX. 
- I contacted the Agent again, they ignored.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a cashiers check in the mail from Wells Fargo with a letter stating I was overcharged for foreclosure fees from a home I owned with my ex husband about 10 years prior. On XX/XX/2023 I called the number on the letter to advise the check was made out to myself and my ex husband who I lost total contact with after our divorce 6 or 7  years ago and can not cash the check without both of us.The check amount was for XXXX. They told me to send them copies of my divorce and a letter explaining my problem with the check and I ask if they could resend half of the amount separately to myself and my ex. They advised me that once my info was received they would attempt to contact my ex and he has 30 days to reply if he doesn't they would re issue a check just to myself. 
I did not receive any call or correspondence for over 30 days so on XX/XX/2023 I called again and spoke to XXXX. She told me that she spoke to her supervisor who said my ex did not respond and they would reissue a check to myself or my ex making it possible for me to deposit without his signature.she said it can take up to 30 days to receive check. 
On XX/XX/2023 I called to check the status and I spoke to XXXX who advised that the check was mailed I should receive by XX/XX/XXXX. 
Called again on XX/XX/XXXX spoke with XXXX XXXX Said if I don't receive in couple days call back. On XX/XX/XXXX and spoke to a supervisor who said. Whatever i was told in past calls was wrong my exes power of attorney did reply and therefore they will not resend a new check. And on there end the case was closed satisfactorily. 
I received absolutely no documentation explaining and of this from Wells Fargo no matter who I called I did not get a call back On XX/XX/XXXX I received another check from Wells Fargo fir XXXX with same foreclosure overpayment letter. However this check said myself or my ex husband therfore I can deposit. 
I called and asked for a supervisor and XXXX XXXX got on phone. XXXX. He told me the XXXX new check was in addition to the prior check. He also told me that the case was closed. When I complained about not receiving and help or info about the matter and being unable to deposit the first check he promised me he would investigate the entire complaint and get back to me.after XX/XX/XXXX I received no reply from him so on XX/XX/XXXX I called left a voicemail no reply called again XX/XX/XXXX left voicemail XXXX reply. It seems nobody will return my calls I don't know which of the above is telling the truth I still have both checks please help me in this matter. 
XXXX
Product: Debt collection

EXPERIAN is allowing XXXX XXXX stay on my credit report whom The original debt was from XXXXXXXX XXXX XXXX. where I received a credit card in XXXX I had a bankruptcy in XXXX this was included in my bankruptcy However it appears they sold my account to XXXX XXXX. and they account marked past due status also incorrect date, the Terms listed as monthly or one month. The collection company collection from the state of Illinois Under 15 U.S 1681p should be removed credit report.

Under the FCRA Law 2 year rule
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SXXXX XXXX XXXX XXXX THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TXXXX GET CARS, AND GOODS IN MY NAME
Product: Debt collection

XXXX XXXX transferred me to his manager pertaining to my account with Portfolio Recover Associates. I received several phone calls from XXXX XXXX XXXX XX/XX/XXXX requesting payment on the account. Per the manager he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that Portfolio Recovery failed to notify XXXX XXXX XXXX that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.