23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX, I sent in writing my refusal to pay a debt and demand them to stop all communications with me and requested inaccurate information that is reported on my credit report to be removed immediately. my rights as the law 15 U.S. Code 1692c ( c ) states below was exercised ; 15 U.S. Code 1692c ( c ) Ceasing communication " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, '' I also stated in writing several times that this vehicle is not mine. XXXX XXXX XXXX is the owner and driver of this vehicle and we have not been in contact for more than 5 years as of XXXX. 
They repeatedly contacted my neighbors, my landlord, my employer and my family several times after i sent in writing to cease all communication and to stop reporting inaccurate information and remove themselves from my credit report. They continue to report the inaccurate information.
Product: Debt collection

I cancelled a phone service I had gotten for the business ( I paid cash for the cell phones ) the services were never used and the account was cancelled within 15 days and never used. I called to verify with XXXX and they said it was all true and not to worry as the accounts were cancelled and never used. Then I got a bill from convergent and called them they were not reachable, the bill states to pay {$190.00} and the whole thing is over instead of an amount am not sure how they came up with {$240.00}. I didnt have much time to deal with this so I sent a check, now I look at my credit report there is both a collection and a settlement for a service I never received.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I received a letter in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2020, asserting that I owed {$640.00} to TD Bank, NA. I have never had an account or other customer relationship in any capacity with TD Bank. 

I called XXXX to dispute the debt. When I called they asked me for the last four of my social. I did not wish to share that information so I explained the contents of the letter. XXXX told me that the debt collection notice had actually been recalled by TD Bank and TD Bank was no longer seeking to collect the debt through XXXX. I asked XXXX if they could confirm that the debt itself had been erased/purged because I had never had a relationship with TD Bank. They could not confirm and instructed that I call TD Bank 's fraud department. 

On XX/XX/XXXX, I received an automated call from TD Bank 's recoveries department. I assumed this call was related to the debt, but because I did not have an account number/debit/credit card number ( because I do not have an account or any relationship with TD ), no one there could help me. 

I then called TD Bank 's fraud department on XX/XX/XXXX. They were entirely unhelpful. They explained that the only way that they could help was if I provided the last four of my social. I asked for clarification, because I did not want to share my social, and because the debt collection letter from Radius included ( 1 ) my current address ; ( 2 ) my name ( but in reverse with last name first ) ; ( 3 ) a reference number with Radius ; ( 4 ) the last four digits of a supposed account # that I was unaware of ; and ( 5 ) a balance that was apparently due. In addition, TD Bank clearly had my cell phone number because I was receiving automated calls from them. However, none of this was enough to get more clarity on the situation from the TD rep. They insisted that I needed to provide the last four of my social. Otherwise, I would have to go to a local TD branch and bring an ID with me.

The next day I went to a local TD branch, with my ID and the  XXXX Letter. Again, I was asked for the last four of my social. Again, I explained all of the circumstances and all of the information TD already had. The TD branch rep then explained that he could only help me if I provided the last four of my social, despite the contrary instructions from the TD Fraud Department rep from the day before. The TD branch rep then called TD 's Fraud Department. This time the department gave me a new number to call to get an " identify theft packet '' and all I needed to do was provide the reference number on the XXXX  letter. I couldn't even call that number at the time as it was a weekend and that service was unavailable. The Fraud Department also could have given me this information the day before, so that I could have made that call first before wasting time at the branch, hearing the same story the Fraud Department gave. 

None of the individuals I spoke to could provide me any assurances with respect to this debt and future unwarranted debt collection notices. Nor could they even confirm that filling out this " identity theft packet '' would help resolve the issue.
Product: Checking or savings account

In 2022 I had bought {$680.00} dollars in bit coins and had about {$300.00} in my account! I received an alert later that day that cash app had first unlinked my telephone number and email from my account and locked it! I tried contacting them and resolving this issue for about a year and got no where! I was informed that they couldnt reopen my account that I could start a new account then they would try merging the two account together and then I would have my funds returned! Through so many emails and live customer service chat messages through there cash app support option, I ended up with nothing and a new account! Said my account was frozen and deleted due to suspicious activity! That cash app policy was to delete any account that they thought were suspicious and wasnt obligated to return any funds that were in my account! I received nothing back, no help and no explanation for this! I feel the cash app organization was responsible single-handedly for stealing my funds, closing my account and refusing to fix it. Explain it or return my money that would explain why they are the only financial business that does not offer a customer service telephone number to resolve issues.! They owe me more then the {$980.00} that they stole and kept. Due to my account closer and my stolen funds when my mother died a little that year I was unable to afford to lay her to rest in the family plot with her relatives and have her cremated. This can never be un-done nor fixed. What do I get for that?
Product: Money transfer, virtual currency, or money service

A fraudulent transaction was made using my XXXX account in the amount of XXXX to a XXXX, made on or around XX/XX/XXXX. The last authorized transaction was made to my GF, XXXX XXXX, over a year ago. I rarely use my XXXX account and it appears the person, XXXX, sent a money request and the person ( s ) whom hacked into my account approved it and used my card on file. I believe the persons are all working together as I do not know the person, XXXX and she appears to be selling herself as XXXX is listed in her user name on XXXX. I reported the transaction as fraud to a XXXX via live chat on XXXX on XX/XX/XXXX, an XXXX emailed me yesterday, XX/XX/XXXX, she stated my claim was denied but did not disclose what actions were taken to investigate. As I stated before, I do not know the person whom funds were sent to, I would not send money to someone I do not know and again, it appears she is a XXXX worker whom is selling herself. I would advise XXXX to reverse transaction, take funds out of the receiver 's account and close my account as well since I do not use it, the last transaction made by myself was to my GF, XXXX XXXX which was over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am definitely not ok with this decision as longtime customer and the way I was treated from the beginning was absolutely not kind. Also the fact I was told on Wednesday night my account would remain open if I could bring current. Your one representative treated me so unkind as I spoke to 5 total one being in executive branch. I was also told several different things from different reps and believe that reopening my account should be honored. I plan to continue to take steps and definitely voice how I was treated. You do not treat longtime customers. I guess because I am not a wealthy XXXX  vase doesnt value its customers. I am a mom struggling as is after Covid getting back on feet and live paycheck to paycheck so I guess doesnt meet your standards. I deposited something believeing the person who gave me so instead of punishing them you make my life harder. All of my XXXX  accounts which money has tried to pull my sons XXXX  and everything else in our lives is tied to this account and I just believe in common decency and this is not. I understand you have the right to close and what I read. I also XXXX XXXX XXXX XXXX so I definitely know how it works and maybe you need to train your customer service on all ends to be kind and if they something honor it. I definitely made above and beyond every effort since Wednesday when speaking to representative on phone yo bring my account current to remain open as promised. You rejected my deposits Friday XXXX so then I was advised by an incredibly helpful branch manager to hold off and the XXXX. I made to deposits yesterday and one today XXXX. All rejected so this is absurd. I am not trying to be difficult or unkind myself but after how I was treated I definitely plan in filing a more formal complaint. I do not agree and would appreciate your reopening my account. I am doing this alone and its not easy. How about lifting your customers up and having my back and not pushing me down or making things harder especially for customers 10 plus years. I dont deposit bad checks and never would. I trusted the person who gave it to me and now my life is turned upside down and I am punished. All they got hit with was probably a fee. I am sorry honestly if this is how you choose to treat customers I should want to bank with you but after working for you I also know your better than this and hoping you do bette. 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

I believe I'm a victim of fraud, because that information is not mines, no recall to allow this, and it is obviously not my doing. Please see that this is removed. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score dropped 28 points. The only change was a XXXX payment to one of my credit cards. This alerted me to a potential problem. I called and waited over 3 hours to speak to customer service. Once they answered they told me to call back in 30 minutes because they were having system issues and could not access my records. I asked them why they did not put this in their hold messages so that people arent waiting for 3hrs. I was told they cant disclose that information. I asked if they will do this. The answer is no. I asked if they had an estimated time that the issue would be resolved. The answer was no. I asked to speak to a supervisor and asked for her name and ID number. She said they dont have supervisors and that she could not give me the ID number or anything but her first name : XXXX. I am concerned about the unexplained drop and am hoping its not due to some kind of fraud issue. This happened today XX/XX/20. At approximately XXXX.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation.
Product: Mortgage

We have been in forbearance 18 months due to Covid. We recovered and had requested a Loan Modification from Guild Mortgage. They sent out the written agreement and we returned it on XX/XX/XXXX. They claimed we did not fill it out correctly and sent another packet on XX/XX/XXXX. We signed that ( notarized as before ) but they their attorney provided a bogus shipping label that even XXXX can not find even though it was shipped through a XXXX carrier. We have contacted Guild dozens of times, but they refuse to resend new paperwork and have stated we will now play a waiting game? Whatever that means. We are concerned that Guild is perpetrating a fraud to undermine our attempts at compliance based on non-participation on our part. XXXX has denied our claim for lost package, so we have copies of the original agreement and are organizing another paperwork submittal we will include copies of the originally sent XX/XX/XXXX that includes the address stickers they affixed to the documents and the notarized signatures on the lost package. We can provide all documentation to the aforementioned and are currently at a stalemate with Guild. Their attorney whom the loan modification paperwork was addressed ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Tx., XXXX XXXX telephone XXXX ) Will not verify if our paperwork was received and claims they can not reply to such questions because we are not their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hi, I attempted to verify this debt and the amount with this company XXXX different times. I never received anything back. I verified my address with them, and still, nothing ever came. I do not think they can verify it. I have tried to dispute, and it has not been resolved I now have to submit a complaint because the amount of the debt keeps growing without notice or any validation. 

The company claims the original creditor and the credit bureaus are taking on the fees on this account and that I owe an amount that I do not owe and have not been made notice of or actually owe as its fraud and all I have wanted to do was get this resolved and this company on recorded lines have made claims that the credit bureau is responsible for the amount and the fees and it can not be removed disputed or settled after 6 times in the last year trying to verify and not receiving anything back. 

Please remove this, as it is violating my rights and hurting my credit.
Product: Credit card

They once again closed my dispute. They sent a breakdown to CFPB that did NOT include payments made in XX/XX/XXXX and XX/XX/XXXX of {$230.00} each. They claimed to give me a direct contact to CFPB but that was also not true and the number goes straight to voicemail and they never return my calls. I made several disputes throughout the year of XXXX and each time the synchrony rep admitted the balance was wrong- I have it all recorded. They would submit for it to be corrected, only for adjustments to be made to the balance but they would still be incorrect. After further research, the difference owed was merely {$43.00} once the refund was issued from sleep number but synchrony continued to send me statements with the wrong balances. Original Purchase amount was {$3300.00} and the credit refund issued was {$2400.00} leaving a difference of {$810.00}. {$770.00} worth of payments were made in XXXX, XXXX and XXXX of XXXX. The difference would be {$43.00}. Yet the statement mailed in XXXX of XXXX after the refund was issued showed a balance of {$230.00}. I then contacted Synchrony MULTIPLE times and they submitted multiple disputes to get the balance corrected so I could make the payment if indeed anything was owed. I have NEVER had a late payment yet now they are reporting on my credit that I was 90 days past due. They never supplied me with an accurate balance and everytime i call in ( recorded calls ) they admit it is incorrect. Since I have called in on this dispute, they hang up on me everytime. Unacceptable
Product: Mortgage

proposition XX/XX/XXXX allows homeowners to transfer the old property tax base to their new home if your XXXX and older or have a XXXX. My taxes were reduced from {$8600.00} down to {$5200.00} back in XX/XX/XXXX. Pnc bank could not figure it out. The kept telling me that they were working on it and never did, XXXX county issue me XXXX bills XXXX for supplement tax bill and a yearly tax bill which added up to be less than {$5000.00}. I sent them all of the information XXXX times still no resolve. So i just received a new tax bill for XXXX on XX/XX/XXXX and requested again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX and XXXX. still no resolve. I emailed PNC Bank a copy of my new tax bill on XX/XX/XXXX. PNC bank received it because they paid the bill. and sent the XXXX escrow overages of {$1600.00} x XXXX.
Product: Credit card

upgrade decided to change my credit amount and close my account. but there is an outstanding amount owing to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Prepaid card

I received letter XXXX from company today dated XXXX it took months to XXXX letter, inference to CFPB ref no XXXX I'm uploading letter. Reminding you they sent a dispute paper I had to sign but when I said I didn't receive XX/XX/XXXX email. Look at reason wrong email address there wrong doing. Dispute letter was sent to right one. Come on now. They also admit there other wrong. I'm still with my money oh.