23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Division TD Bank [ Address ] [ City, State, ZIP Code ] Dispute of Collection on Credit Report To Whom This May Concern I XXXX XXXX I hope this letter finds you in good health. I am writing to dispute a collection entry on my credit report, which I believe is inaccurately associated with my credit history. 

I recently reviewed my credit report from the three major credit bureaus, namely XXXX, XXXX, and XXXX. To my surprise, I discovered a collection account that does not belong to me. I would like to bring to your attention that this entry violates the following consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that credit bureaus maintain accurate and up-to-date information on consumers ' credit reports. In this case, the collection entry is erroneous and does not reflect my credit history accurately. 

2. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. This includes reporting inaccurate information to credit bureaus, which has negatively impacted my creditworthiness. 

3. Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute inaccurate charges and billing errors. The collection entry in question does not pertain to any debt that I have incurred, and therefore, it should be removed from my credit report. 

4. Fair and Accurate Credit Transactions Act ( FACTA ) : The FACTA ensures that consumers have access to their credit reports and have the ability to dispute inaccurate information. I have taken the necessary steps to review my credit report and am exercising my right to dispute this collection entry. 

I request that TD Bank, as the creditor, take immediate action to investigate and rectify this error. I kindly ask that you provide me with a written response within 30 days, acknowledging the receipt of this dispute and informing me of the actions taken to resolve the matter. 

In addition, I urge TD Bank to notify the credit bureaus ( XXXX, XXXX, and XXXX ) of the inaccuracy and request the removal of the collection entry from my credit reports. This action is essential in ensuring the accuracy of my credit history and maintaining my financial reputation. 

Please find attached copies of supporting documents, such as credit report excerpts highlighting the erroneous collection entry, as well as any other relevant information that may assist in the investigation process. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your understanding and cooperation. 

Consumer Financial Protection Division TD Bank
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i disputed the information with XXXX as being inaccurate and I have no knowledge of this account
Product: Money transfer, virtual currency, or money service

happy day Please could you help me with my PayPal account? 

I frequently XXXX XXXX XXXX XXXX XXXX XXXX through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 

When I opened my inbox, I just received a notification from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .This was a system error, I thought. 
I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 
Customer care informed me that a system had automatically blocked my account and those of others when I called with my issue. 


Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 
Hopefully, I can rely on you for this. 
I'm incredibly grateful for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXXXXXX XXXX XXXX XXXX XXXXXXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Product: Credit reporting or other personal consumer reports

Experian has my XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account listed as ( XXXX XXXX XXXXXXXX ) which is a Charge-Off. Thats a certificates of indebtedness which is income and it needs to be removed off of my credit report. Also XXXX XXXX XXXX XXXXXXXX XXXX is 3rd party agency now has access to my report XXXX  in which I did not consent nor give permission for me them to have access. Thats a violation of my privacy rights under the Privacy Act of 1974. 

Date : XX/XX/XXXX Amount : {$530.00}
Product: Mortgage

I have issue with my second lien on my primary resident. with Bank of Americai was told by b o a staff on XXXX that my second loan was waived and they willsend me the release of lien shortly, after that due to family emergency i had to go to overseas and lost contact with bank of america . also never received any certificate of lien release. mean while my first loan that was originally with bank of america after several times attempt to modify, and deny with no reason. finally was sold to XXXX, then after several attempt finally my first loan modification was approved, recenlty i check my property tittle report. and find out the second loan lien has not been released yet.?!!! 
i called bank of america, and first they denied the cancelation of my second lien, after several weeks i called bank of america again. this time they told that yes, my second loan was approved to be released on XX/XX/XXXX, but are not releasing the lien, and loan was referred to their recovery dept. for collection and demanding full payment on the second loan .my credit report shows as with XXXX credit agency as paid status, and with third agency as open account. 
Now my first loan has been modified but still is underwater, i barely can afford first lien loan mortgage .with HAMP loan, and there is no equity for second loan, but still demanding payment. it does not make sense to go through a first loanmodification process ( according to affordable home modification act ) and havingthe second lien with no equity position staying on the property as an activeand open second lien .and waiting some day to foreclose on my property. 
I ca n't afford to pay for my second loan, barely keeping my first loan in current status. 

why they do not release the second lien base on their XX/XX/XXXX promise?? 
what was the purpose Hamp loan.
Product: Debt collection

I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.
Product: Debt collection

I received a letter from TRS Recovery Service s Inc, c laiming I owed  XXXX  debts ( Reference numbers  XXXX  and  XXXX  ) for  XXXX  and  XXXX  respectively. They are claimed to be related to Unpaid Electronic Fund Transfers from  XXXX   XXXX  number  XXXX ,  Telecheck. I  have never been to this  XXXX   XXXX  and I certainly did n't do any fund transfers. I was not near that  XXXX   XXXX  on the day they claim. The numbers and methods they provide to contact them all demand social/bank routing info/etc. I will not provide this info to a company that appears to be scamming me. I googled this company and find that they do this to lots of people and have many complaints against them. I want the issue resolved and I do not want to receive any more communications from them.
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 XXXX 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: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Owed : {$1200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$4100.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX A ) XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Owed : {$590.00} XXXX XXXX  ( Original Creditor : Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Reference # XXXX Date XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

I recently set up a new personal checking/savings account with SoFi. I added my credit cards and mortgage for bill pay. Then linked my XXXX business account XXXX XXXX XXXX ( My first name, middle name, last name, XXXX ) and set up direct deposit for my paycheck. Also added {$3500.00} to the savings account. When XXXX sent {$.00} and {$.00} deposits to verify it was my account for transfers, this apparently flagged the Sofi account and its been frozen for over a week. XXXX stated it was because of unusual deposit amounts from an unknown account. I explained this was my linked business account I was transferring funds from. Ive spoken to Sofi three times now to unfreeze my account, as I have bills to pay. The last SoFi representative I spoke with stated there is no additional information, there's no time expectation to unfreeze the account, and there's no one else I can speak with. The representative then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows open with an alleged payment history as if it's a revolving debt the last activity date & last payment date is always reporting for the current month as if I was in a payment arrangement with the collection agency. 

Date of last report : XX/XX/2019 Amont : XXXX Account was disputed with all 3 credit bureaus with no results. Only changed dates to showing the current year & month account was updated to show as opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill popped up in my credit report out of nowhere and I havent been to a doctor
Product: Credit reporting

I filed a dispute with Equifax because of inquiries I saw on XXXX XXXX that were not mine. Immediately the next day I receive a report from Equifax stating the inquiries are factual and mine. There was no way less that twenty-four hours of submitting the inquiry dispute for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX could have been disputed that quickly. I have the right under the FCRA to dispute with the credit bureaus any inaccuracies. I already contacted the organizations which also directs you back to the credit bureaus. Equifax is refusing to dispute on my behalf. I submitted twice and they sent the same message immediately saying the inquiries belong to me when they do not.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Mortgage

I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our payment forXX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid bothXX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX( 8 days past due ) andXX/XX/XXXXpayment was due on theXX/XX/XXXXand it was paid onXX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX. I called XXXX to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXX and late for XX/XX/XXXX for our XXXX XXXX  account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflecting XX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute with Experian regarding an debt collection on my credit report. The debt is not mine. I formally requested that Experian provide 1.the original contract, 2.the original creditors name, address & telephone number, 4.proof the collection agency is authorized to collect a debt. 

On XX/XX/XXXX Experian responded with none of the above but indicated they confirmed the debt with the collection agency : how? With what documents? Again, the item is inaccurate & incomplete. I am requesting that the item be deleted.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This mix-up is highly concerning and has caused unnecessary stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting A tax lien that doesnt belong to me as XXXXX2017 and wont remove it, Equifax is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And XXXX is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment
Product: Consumer Loan

XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate
Product: Checking or savings account

Today I received email from Robinhood about the are going to close my account and debit card XX/XX/XXXX without any explanation and the email states this is the final decision.I am totally shocked and very disappointed.I been loyal customer to Robinhood for past few years and I even transfer my ROTH IRA FROM XXXX XXXX TO ROBINHOOD.I am XXXX XXXX XXXXXXXX XXXX and I strongly believe I been not treated fairly by this institution.Instead the are discriminated and humiliated me for being a loyal customer. 
I am going to transfer my ROTH IRA FROM ROBINHOOD AND WILL NEVER EVER GOING TO HAVE A DEAL WITH THIS DISCRIMINATORY INSTITUTION AND NEVER GOING TO RECOMMEND ROBINHOOD TO ANYONE ELSE. 
I cant reach them by phone and I cant reach them by help support chat and no email address is exist to contact them.The are full of bad surprises and definitely dont care about loyal customers.