23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a business account with TD bank that my account bas been restricted just because i issued out two checks in the amount of {$10000.00} and {$29000.00} for payments. Two days after the check was issued out i called customer service to let them aware of those two checks just because my account is new and was the first time writing checks from my account. The funds were debited from my account on XX/XX/2019 and XX/XX/2019, but TD bank security department called me and asked me to speak to my personal banker to verify the checks issued out which i did. Two hours later my account was placed under review so i contacted my personal banker again and he informed me TD bank securities have taken over my account and he is not allowed to communicate with me. There is no way to speak to that department because my personal banker informed me they only communicate with that department through email and there is nothing he can do to help me. As at now the other parties that i issued out the checks to haven't been paid due to TD bank not validating the checks with the other bank after checks has already been verified by me with my personal banker per TD banks request and checks been already debited from my account. This matter is inconvenient for my business and its causing delays for me to run my business.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX ; As I have not heard back from you in over 60 days regarding my notice of dispute dated XX/XX/year>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 usc 1692 ( e ) and 15 usc 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act. 

After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Signature, XXXX XXXX
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX I reacehed ot to Shellpoint Mortgage Via telephone and online for help with my Mortgage note during theis time of the state of emergency, during covid 19. Not at anytime was I able to spreak with anyone on the telephone. On Saturday.XX/XX/XXXXI received a letter from Shellpoing informing me if I needed help with my Mortgage payment too reach out a HUD approved counselor for help with my mortgage payment ( Which I did ). The HUD counselor called my lender for help she waited on hold for almost 2 hours nobody cale to the phone. I explained to her i have been going through this with my Mortgage company since XXXX, nobody comes to the phone or they keep you on hold for 2 hours wgere you hangout. Now what I dont't understand is we issued a stay at home order where people can't work but mortgage companies wont answer or help you. Next time a state of emergency happens and people won't stay home this is why. II bet you these same companies will be asking for a hand out, when the time comes. Now My hud counselor was aweome and tried so hard to help me. She also told me she has never had a mortgage company not answer the phone. The HUD number I called was XXXX. I explained to the HUD counselor the number my Mortgage company gave me to call was XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Oregon Attorney General XXXX Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/year> NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance.

CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to PCA Acquisitions V , LLC ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *, *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to you about an unpleasant experience that my company is currently experiencing with First Data/ XXXX  XXXX XXXX XXXX and fraud team in the hopes that you will be able to help resolve it. My company has been using first data merchant service for almost a year now and as of XX/XX/2021 First  data has held all our deposits to complete a fraud review of our account. As of today they now have over {$30000.00} of deposits that have been held for 10 days. We initially received no communication to inform us that this fraud investigation would be happening, why our account has been flagged or how long this process would take. 


We are a small XXXX XXXX XXXX XXXX and can not afford for our cash flow to be held for over a week especially during a pandemic and a labor shortage. 

My Merchant ID for this company is Merchant Id : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lose funds was impossible and that tracking these transactions were unfeasible. The XXXX 's neglected to protect consumer but allowed report offenders to exploit the system, leaving users vulnerable to scams. This lack of account and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX  corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX AT XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX AT XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.
Product: Consumer Loan

I contacted BMW financial about my auto loan and spoke about a payment arrangement that would keep my loan from being 30 days late. I was sick and not working but wanted to protect my credit and let them know it would be late. I was informed by the credit dept that as long as my payment was paid on the XXXX it would not be 30days late. I faithfully paid for several months on the XXXX again advised and directed by different reps. I tried to refinance my home and realized someone had reported i was 3 times 30 days late. BMW financial had reported me 30 days late. I called and explained i spoke to several different reps about my account, and was given the same info. They said oh I see what happen some months have 29 days, XXXX, or 31 days so that would vary. No one relayed that to me and I asked the date to pay. They are not willing to correct what they know they told me. They mislead me and fraudulently misrepresented the status of my account. I 've tried to resolve the issue with them but they will not take any responsibility for the mis information that was forwarded to me several months and adversely affects my credit. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on XXXX credit report. 

Ally Financial from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies
Product: Debt collection

I have an unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SUNRISE CREDIT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I am a 100 % XXXX XXXX who went to my county to request an tax exempt for my XXXX rating. It went through and the county of XXXX refunded me XXXX of taxes I paid that I never should have paid. They sent the money to XXXX who sent out the funds to my current mortgage loan holder and a past loan holder who is Speicialized Loan Servicing LLC. The amount sent to them was XXXX. And it has been 2 months and they can't legally keep that money past 30 days. I been getting the run around and I am starting to think they are going to try to keep my money that is rightfully mine. I just want my money and don't know who to turn to for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Product: Checking or savings account

I used debit card normal on XXXX an XXXX each were declined using correct billing address.. Fraud alert showed on XXXX saying call bank of america Fraud department.. They say look at your declined transactions only option was to dispute all declined transactions that declined by bank of america. Then they say your account is unverified all info provide at XXXX California bank of america personally. .So bank just declines no reason at all an says it my fault but give no reason at all.. It's fraudulent to dispute transactions I authorized personally that were declined..So bank of america ask me to lie an dispute my purchases to red my card for none use because security alert banneds card that keep declining.. Bank of america gets paid to dispute charges an charges merchant a fee then my card gets banned XXXX want through every bank same thing happen bank forces default or closure..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The wife and I are trying to refinance XXXX XXXX. We want to get some dedt cleared with this refi. Our mortgage company " Pacific union fin. ''. Is holding us to off till XX/XX/XXXX Of this year do to a modification. We can't even make any kind of move there roots are staying put. XXXX at XXXX did a credit pull yes we had some issues with payments yet we still to get them there payment as soon as possible with as much information on our side as possible. They now charge to make a payment. Problem is we can't move forward to help our budget if they can't move there roots a bit to get us moving in there right track. So we still struggle to make there payment an can't do a refi. To help pull us out of a water filling ship. I don't know the exact dates but was early 2017 some where in XX/XX/XXXX when the modification was started. They put us on a smaller payment yet still reported late and now they will not reverse anything.we where told the modification would not hurt us yet it has
Product: Credit reporting, credit repair services, or other personal consumer reports

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, Experian, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries Experian XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX  XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX  XXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).