23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had to rescind the contract due to fraudulent misrepresentation. The selling dealership used coercion and manipulation tactics to sell a car that was a result of predatory lending.

As a result, I hereby exercise my right to rescind the contract pursuant 12 CFR 1026.33, and I ask that you provide me with a full refund within 20 days of this notice as required by law. 
You can contact me at email address : XXXX I look forward to a prompt resolution to this matter.
Product: Checking or savings account

Hi I just received the responses from US Bank to my third complaint filed on this matter. I have sent this in my feedback but I have to open another complaint as US Bank didn't address all my questions. And also I can not keep waiting as this investigation has taken over a year, which is insane. So I just wanted to let US Bank know that I will unfortunately have to sue US Bank if they still aren't able to return my funds including loss accrued interest in the next month or so. 


Please find my responses below as well : XXXX. The letter says the investigation can take up to a year. The investigation on this matter has taken over a year. So it has past the 1 year timeframe US bank stated in the letter ; XXXX. Similarly, US Bank kept saying the process can take up to 90 business days to complete. It has been over a year ; XXXX. Based on the response my lawyer received from the XXXX XXXX, they actually responded to US bank in XX/XX/XXXX ( not XX/XX/XXXX ) and denied to return the funds. And the reason for their denial was because US bank didn't notify them within the 30 day window. In the letter, US Bank agreed that if XXXX XXXX is unable to return the funds, they will reissue me the check. 
XXXX. I am requesting not only the {$1500.00} to be returned to me, but also the lost accrued interest. And US bank didn't address that in their response ; XXXX. This case has been long over due ( first found out the check was stolen in XX/XX/XXXX and notified US Bank immediately ). Again it was US bank 's responsibility for not being able to notify XXXX XXXX on time. Please return my money. US bank should try to recover the funds from XXXX XXXX but I should no longer be part of this process. 
XXXX. Please also respond to my lawyer 's demand letter. We will unfortunately have to sue US bank if we don't get the funds back in the next month or so.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using the law 16810 not responding and investigating in a timely manner Experian
Product: Checking or savings account

My wife and I opened a 12 month CD at Marcus by Goldman Sachs using the online portal on XX/XX/XXXX. On XX/XX/XXXX of XXXX, I put in a request to close the cd upon maturity ( XX/XX/XXXX ) and transfer the funds via ACH transfer to my local bank. On the XXXX, of XXXX, XXXX I went online to verify that the funds had been sent to my local bank as requested. I was allowed access into my online account but this account no longer contained any information as to this cd, which is the only account that I hold with Marcus by GS. I could access my profile and prior statements that are generated on the last day of the month but there was no information concerning the cd in question, its interest paid at maturity nor the present value of cd. It was as if the account had vanished into thin air. The online account does not even list this account as closed, it simply is not there, I called customer service and was told that the funds had been remitted via the ACH system. When I asked for some written verification that this had been done or to be sent a copy of the account being closed and the monies being sent, I was told that the representative I was speaking to would REQUEST that a verification be sent but that it would have to be sent via the US Postal Service and she also stated that she did not know how long it would take for such a request to be honored to which I replied that this would not be acceptable. The representative stated she could do nothing else for me. 

As of the present time, the funds have not arrived at my local bank. I realize that this can take up to 3 days and I have no issue with that fact. I do have an issue that I can find no information with regards to this account when I log-in online and I can not determine if Marcus by Goldman Sachs has indeed returned these monies to me, the legal owner and that I can only get verbal assurances that they have. I also have an issue with the fact that this account shows up no where on my online account other than the prior statements.
Product: Credit reporting or other personal consumer reports

I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Mortgage

I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter.

FDCPA - Cease Communication ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of Debt and Reporting In addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You may only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I had submitted a dispute to XXXX  and upon XXXX  investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my Macys/Citibank , N.A. account on my credit report especially when this account is a Charged off account. But XXXX has put it as a satisfactory account which it is not. XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Macys/Citibank , N.A.about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.
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  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX FUNDING Account number 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 an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.
Product: Checking or savings account

Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!
Product: Checking or savings account

I requested a loan from my XXXX account at XXXX XXXX XXXX to be put in my checking account at USAA Federal Savings Bank. The loan was approved on XX/XX/XXXX and the funds were wired to USAA on XX/XX/XXXX according to XXXX XXXX XXXX. USAA is stating that they did not receive the funding. I found out that XXXX missed a digit on my checking account number therefore they provided a letter of indemnity to USAA. I have had several 3-way calls with USAA and XXXX via a 3-way conference on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today XXXX ) and I keep getting told that it is now at the back office and they will call me back. I am now on my 5th attempt for them to call me back and I call them back. Now I am told that I am paying on a {$9900.00} loan that I never received and there is no sign of either institution correcting it. Please assist.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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: Credit card or prepaid card

My Capital One XXXX XXXX credit card includes a reward promotion for a {$200.00} credit for XXXX bookings/stays. I used my XXXX XXXX to book and pay for an XXXX stay on XX/XX/22 XXXX for {$570.00}. The charge posted on XX/XX/22. I should've received my {$200.00} statement credit automatically from Capital One within a few business days. I never received the credit I am owed so I called Cap One and they said that it could take a billing cycle to post but they promised and assured me that the {$200.00} credit would post to my account. I waited over 30 days and the credit never posted. I called Cap One again on XX/XX/22 and the rep said that Cap One did not credit me because the charge posted as Other Travel and not Lodging. Me as a consumer has zero control over how a charge posts to my account after I make a purchase. Cap One knows this and instead of correctly and fairly crediting me the {$200.00} I am owed for the vacation rental, they are attempting to deny me the credit after I paid for and correctly completed a vacation rental stay at an XXXX. This is fraudulent and a bait and switch tactic. I followed and completed all the terms. Their terms clearly state that the credit can be applied toward vacation rental purchases, including with merchants like XXXX, XXXX, XXXX, and XXXX. My XXXX  Confirmation number is XXXX for the stay. I need to be credited the {$200.00} now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have new and updated information regarding XXXX XXXX failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against XXXX XXXX as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and XXXX XXXX confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In partnership with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within XXXX days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays Bankruptcy Reported on XX/XX/XXXX Dispute Reason Accuracy : This public record contains multiple inaccuracies, please verify accuracy of all data.
Product: Credit reporting or other personal consumer reports

I have these Bankruptcies on my credit report. I do not have any idea regarding these Bankruptcies on my credit report. These are not mine.
Product: Debt collection

XX/XX/year> around XXXX I received this text : Call Radius Global Solutions LLC XXXX Reference # *omitted* Your rights from our recent letter remain Other rights/make payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I removed the reference number for my privacy. 

I have not received a letter or any of forms of communication from this company and they did not disclose they were a debt collection. Agency or that they were trying to collect on a debt. I am unaware of what debt they own of mine and they have provided no information. 

I have not responded in any way, as I can not respond to this type of message except to stop these kinds of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Debt collection

I would like this collection removed from my credit report. I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.
Product: Debt collection

I was first contacted by Property Receivables on XX/XX/year>. The man who called had an accent and was difficult to understand, but he asked about an apartment complex I lived in several months ago. This apartment complex claimed I owed fees for gas and electric and they paid the energy company in my name, but I called the energy company and they told me the billing for this time period had been in error and I did not owe any debt to them. Additionally, the energy company told me that gas was not furnished to my address. Despite this information, the apartment complex refused to modify the bill or return my security deposit. I told the man from Property Receivables I disputed the debt and to not contact me via phone again. When I told him this, he laughed. 

I contacted Property Receivables again on XX/XX/year>, asking for an email address so I could communicate with them in writing. I emailed them on XX/XX/year>, telling them I disputed the debt and asked for a validation letter. I also asked for them to communicate with me only in writing, and not via phone. I received confirmation the same day that the email had been received. 

Nevertheless, I received calls from Property Receivables on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. They used a variety of different numbers to call, which felt extremely deceptive. Some were XXXX numbers, and others looked like regular phone numbers. These calls were during the work day and very disruptive. 

9 days after my initial request ( XX/XX/year> ) that they provided me with documentation of the debt via email. It was the same bill that I disputed with the original apartment complex, because I do not owe them anything for energy to that apartment. It is my understanding that under 1006.34 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section ... within five days of that initial communication. 

The same day, XX/XX/year>, I sent a cease and desist letter and on the basis of their failure to furnish me a validation letter during the statutorily required time period. I sent this letter via certified mail and over email. They confirmed receipt via email, and claimed the statutory period is 30 days, but failed to cite any legal authority for their position.
Product: Debt collection

THEY REPORTED A COLLECTION ACCOUNT FOR XXXX XXXX AND IT HAS DAMAGED MY CREDIT. COLLECTION ACCOUNT IS UNDER XXXX XXXX.