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

I started searching for jobs online, I uploaded my resume to several positions at XXXX. One day I got an email for a personal assistant from this person called " XXXX XXXX '' he said he was very interested and offered me the job because of his busy schedule. He said he was an artist,  and traveled a lot so he needed someone to make the orders, take them from suppliers and all the personal duties he could n't be able to do. He said he was gon na send me the check immediately for me to go and get the materials he would need and my payment from there, so he sent an envelope via USPS with a check inside, the person apparently sending this mail was : XXXX XXXX. Address on envelope : XXXX XXXX XXXX XXXX, IN, XXXX. Inside of the envelope was the check with my name printed from a Bank of America account and from " supplier '' XXXX XXXX XXXX the letter said : ( with incorrect english writing ) that the check was for me to get the materials for XXXX XXXX so he could start the painting for them. So I went to Bank of America and asked the representative if it was an elegible check and she said it was and that the account existed and had funds, so I decided to open an account with Bank of America and then I deposit the check to my account. Meanwhile I was emailing and texting with this person " XXXX XXXX '' and he was following up what I had to do each assignment, deposit, etc. I told him the funds were on hold and I started telling him what I wanted more information about : his identity. He said he was out from city and he was coming back, and he continue like that until the check was available and Then he asked me to deposit to another supplier the rest of the check ( taking my " payment '' ) the information he gave me was : XXXX XXXX account name : XXXX XXXX. Checking account No. XXXX When he asked me to do that, I insisted on him to identify himself and he sent me some pictures of a man with artworks. But after that I also asked him for a picture of his ID with his name on it, I told him - '' cover your info I just want to see that because this is weird, more everyday. '' He was agreeing with me but at the end he said if I wanted to run with his money and that he would call autorithies, I told him absolutely not and that I only needed an identification to know who am I working with. After that my account from Bank of America was closed and freezed and I went to see what happened and the manager told me I just made a fraud to Bank of America and I can not open an account or credit at any bank in the Country, she said Bank of America ca n't or want to help or have any relation with me. I did not send any funds to anyone, the " check '' was deposited to my account by me so they say I am part of fraud and now I ca n't get credit from nowhere because Bank of America reported me to XXXX and XXXX XXXX XXXX. I need help I have every proof, information, emails, receiot, etc necessary I need to take this off from me. Thank you very much.
Product: Credit card or prepaid card

Credit card was opened in my name without my permission onXXXX. The card was issued by JPMCB. On XX/XX/23 I recieved a letter from JPMCB stated they required more information to complete my credit card request. I DID NOT provide any information because I was suspious of this letter since I never applied for a credit card with JPMCB. I recieved a seconf letter stating my request for the card was denied. A XXXX  letter was recieved stating they had re-enstated my card application and sent me XXXX credit cards. When I recieved the cards I did not activate them. On XX/XX/23 while checking my credit report I noticed this credit card from JPMCB was now on my credit report. I contacted XXXX to report this fraundulant account. I has since contacted JPMCB and had the card canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with Experian and XXXX. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact Experian and XXXX again. In my XXXX letter to both ( XXXX and Experian ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( XXXX and Experian still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, Experian and XXXX are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on  XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX
Product: Credit reporting

Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX  Bankruptcy Court in accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  BANKRUPTCY COURT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I contacted BOA on XX/XX/2015 @ XXXX to report a fraudulent transaction on my BOA MasterCard. I 1st spoke to XXXX in customer service who found the charge in question and transferred me to the fraud dept. where I spoke with XXXX who said he could not see the charge in question and after a ten minute hold gave me the direct fraud # of XXXX and transferred me back to customer service. I then spoke to XXXX who again, found the charge immediately and transferred me back to the fraud dept. I spoke to XXXX there who also saw the charge but tried to say she would file a dispute and let me know something within 90 days ' I explained again that this was an unrecognized and unauthorized charge and I was reporting fraud, not a dispute, she put me on hold for 15 minutes, came back on the line to say she was still checking something and put me on hold for another 15 minutes. After I explained that I was on my lunch hour and been on the phone for nearly an hour I simply told her that I would let the CFPB handle the matter for me. She finally said my account would be credited and a new card issued within 5-7 days, I requested my new card be overnighted and she said fine she would do that. The basis for my complaint is that the XXXX people I spoke to in fraud dept. were extremely rude and unhelpful until I threatened to complain to the CFPB, why after being a customer of BOA for 20+ years should I have to be lied to, badgered and put on interminable holds just to finally have BOA follow the law. It bothers me greatly that these agents are allowed to use only first names and not provide an i.d . # or some other sort of identifier. It seems they hide behind this anonymity and use it as a device to be rude to customers. I am writing this complaint because at this juncture, due to how I was lied to and treated by these BOA employee 's, I have my doubts if they will actually follow through on my claim. I do n't understand, are these people paid a " bonus '' for not returning fraudulent charges to customers? They certainly act as though the refund is coming from their own paycheck by being so rude and uncooperative. As soon as my credit is issued I will be certainly changing banks.
Product: Checking or savings account

I am a payee for a young lady from my church for her social security payments. We opened an account at the local bank and establishedeverything they asked for. After opening the account it was set up as direct deposit from social security. Everything was fine until we did not receive her XXXX check and it was of direct deposited. When we went to Social Security we found out that the bank closed the account without my knowledge of consent and transferred the money that was in the account to another account under another name. Can the bank do that and I was not there and close the account. Now we can not cash the XXXX check because the account is closed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this complaint to PROCOLLECT , INC . I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Debt collection

Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above. 
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Product: Debt collection

This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?
Product: Debt collection

Portfolio Recovery # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXXXXXX XXXX This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of Ed and XXXX XXXXXXXX XXXX XXXX XXXX has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. XXXX XXXX XXXX and XXXX XXXXXXXX XXXXDept of Ed has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with Transunion, XXXX, and XXXX who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.
Product: Debt collection

I have called the company several times to let them know that this debt is past the statute of limitations account and Jefferson Capital LLC is using unfair collection practices in which the representatives have completely ignored and stated this is a collectable debt in which it is not. the representatives have rude and condescending to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me 120 days late on XXXX, partial account number XXXX that has a {$0.00} balance and a {$0.00} past due amount. This incorrect reporting is hurting my credit score. It's impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I don't know about them, and the company made the changes without my consent.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously tried to address these issues directly with them. They are infringing on my rights, and I am entitled to {$1000.00} for each violation I have identified. They must either compensate me or promptly delete these accounts.
Product: Debt collection

CCP called today looking for my XXXX y o son, they want his phone number, it is not my debt, i have told them this, they keep calling, have told them before not to call me, i told them they can find his number the same as they found mine they ph no. is XXXX, i have also told them to quit harassing me
Product: Mortgage

People 's UnitedBank is the servicer for my home mortgage. We've been aggressively paying on our loan, and instead of applying those extra payments to our loan balance, they have been holding them as future payments. 

Currently, they are holding payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. ( {$1200.00} is the normal payment, {$770.00} is our overpayment ). 

As a result of them not properly applying our payments, we've been getting charged extra interest.
Product: Debt collection

I had a line of credit with Paypal Credit ( Synchrony Bank ) that was closed because it became in arrears. I steadily made payments until finally paying off what was then reported as the full and final balance on XX/XX/19, {$420.00}. I then received a bill on XX/XX/19 of {$100.00} for " late charges and purchases. '' I'd previously attempted multiple times ( it's paypal so my bank account information is/was directly on the account ) to set up automatic payments ; the website always claimed " error '' and never allowed me to set them up. I paid the full amount that was being asked ( including multiple " late fees '' ), and got another bill anyway. 

I refuse to pay it. And because I refuse to pay it, the company will continue adding " late fees '' of at least {$38.00} ( as you can see from the bill I received, the late fee is closer to $ 70-100 per billing cycle ). My payments are always posted late. The account is closed. I don't see why I am obligated to continue to pay this company on a paid, closed account they are clearly no longer servicing.
Product: Debt collection

As of today XXXX XXXX XXXX. I herby declare i am unaware of this debt.

According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. 

I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. 

ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. 

You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception.
Product: Debt collection

I am not aware of this debt but the company keeps calling me on my work phone and then my cell phone several times a day. I asked them to send me something in which I still havent received anything. My Supervisor is also getting tired of the many phone calls!! I also asked them to stop harassing me and I plan on disputing the matter