23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX 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 demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, 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 : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have XXXX days 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 ( XXXX ) 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 currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., 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. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Mortgage

The lender took escrow at closing this is aXX/XX/XXXX backed loan. The lender has never paid the property taxes on parcel number 2, they failed to pay the insurance also. Although they took the money at closing XXXX. I have paid the property taxes for XXXX and XXXX. The lender places forced insurance and now they refuse to fix the leak. It's a mess the home is also now in foreclosure, XXXX XXXX failed to pay the mortgage, when I found out I immediately called the bank made a payment told them I would make monthly payments and to get them caught up. They accepted 2 months on the 3rd payments I made a larger payment and it was rejected, they told me all of the past due or nothing. They sent that payment back. Within 3 weeks they filed foreclosure, I have never been served the lawyers refuse to speak to me because I'm only on the deed. Averst central mortgage company refuses on multiple occasions to speak to me although they have permission. They claim I have an attorney i do not. I made them aware of the taxes and insurance they claim to only have a lien on one parcel. I called the clerk of court and they confirmed there is a lien on both. So again I have attempted to work with everyone involved getting no where fast. I do not want to lose the home. I have a lis pending against me so no lender will loan me on the other land that own. Otherwise I would take a mortgage and pay it up to date. XXXX is XXXX and not in sound mind. Her attorney has convinced her that if she signs deed in lou of the keys she won't have a default judgment. There are 3 names on the deed no one is getting me to sign that. That attorney had since lost her bar licenses. Please help. XXXX the 2nd parcel holds the water wells for the entire 10 acres and supplies water to another home on site he is XXXX and the wife has a XXXX XXXX as well as the daughter has XXXX.
Product: Debt collection

In XXXX of 2015 my bank account was seized by Pressler & Pressler who are representing XXXX XXXX XXXX for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get Pressler & Pressler to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.
Product: Mortgage

In XXXX 2015 my wife left me leaving me with a whole lot of debt that I was unaware that I had. My mortgage company, Ocwen Loan Servicing , LLC, offered to lower my payment. The company had impounded my taxes and insurance and I received a letter of tax lien from the county collector stating that my taxes were not being paid. I received a letter from the county and called my mtg. co they told me to disregard the statement it must be a mistake. I have seen many discrepancies in just the statements that I am sent monthly. I am now in the process to hire an attorney to help with understanding what exactly has been going on. My escrow account has been in the negative although I have been on time every month since I started paying the mortgage myself. There is a " deferred '' balance that has been fluctuating throughout. In 2015, I received a form XXXX of a cancellation of debt for XXXX in which I filed with the IRS but I was never forgiven of that amount.
Product: Checking or savings account

CITI BANK TOOK {$100.00} DOLLARS AWAY FROM ME AND THERE IS NO REAONS WHY TTEHY DID THAT. I AM LEGALY XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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: Money transfer, virtual currency, or money service

My attorney wired me XXXX XXXX as an emergency, Western Union represents that it delivers international wires in XXXX and this is false and fraudulent, After I paid my attorney XXXX XXXX to wire me XXXX XXXX in XXXX for XXXX XXXX XXXX and prescriptions I went with the correct identification to all XXXX Western Union XXXX in XXXX XXXX as well as the XXXX banks XXXX Bank and the official post company of XXXX wasted XXXX hours of my time. Registered a complaint with company no/ XXXX and then company falsely claimed I was on a do not receive list I needed this money as an emergency for medical and other related matters as over XXXX wired through XXXX Bank XXXX and XXXX Bank XXXX not received COMPLAINT ID XXXX COMPLAINT ID XXXX tracking id XXXX XXXX XXXX
Product: Debt collection

I have tried to contact this company several times with end results of communication.
Product: Credit card or prepaid card

[ RE : Capital One Account ending in # XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. A Police Report was filled with The XXXX Police Department on XX/XX/2017 with Officer XXXX, Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit card or prepaid card

XX/XX/2019 To Whom It May Concern : On a recent trip to XXXX XXXX XXXX XXXX, I visited the XXXX  store at the XXXX XXXX mall on XX/XX/2019. During this visit I was given a treatment to demonstrate their product on my face. I was amazed at the results I saw, that I purchased the product at a cost of {$300.00} plus {$48.00} tax. 

Prior leaving the store, the salesperson again offered to demonstrate another product called XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine used in the store definitely appeared to remove the wrinkles from my face. Based on these results, I purchased this product at a cost of {$5000.00} plus {$800.00} tax. 

When I arrived back at my hotel and unwrapped the packaging, I noticed that the {$300.00} product was for eyes only. This is not what was demonstrated in the store. After realizing I did not have the product that was demonstrated, I returned to the store to request the correct product. At this point I was told there were no refunds, which apparently also included exchanges, even though the error was on their end. 

Upon returning to the U.S., I made several unsuccessful attempts to contact the corporate office in New York. The product they are selling is a scam and does not work. While I was apparently a victim of their unethical practices and suckered into this purchase, there should be consumer recourse for their business practices and their fake products. 

As a result I am requesting a complete refund and/or the charges removed from my account in the amount of {$340.00} and {$5800.00} respectively. Your consideration in this matter will greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax Credit Information Services , Inc for failing to remove unauthorized credit inquiries from my credit report and for their lack of response to my dispute. Despite my request submitted on [ date ], the credit union has not taken appropriate action in accordance with federal law.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only access my credit report with my explicit consent. If an inquiry was made without my authorization, it constitutes a violation of my rights under FCRA. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to investigate disputes within 30 days. [ Credit Union Name ] has failed to comply with this legal requirement by not responding or providing evidence of permissible purpose for the inquiry.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure the accuracy of the information they provide to credit reporting agencies. If the inquiry was unauthorized and the credit union failed to correct or remove it, this is a clear violation of the statute. 

I request the CFPB to investigate this matter and take appropriate enforcement action against Equifax Credit Information Services , Inc for noncompliance. I also request that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my original dispute letter, my credit report showing the unauthorized inquiries, and any supporting documentation. 

I appreciate your prompt attention to this matter and look forward to your response. Please keep me informed of any updates regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I contacted Equifax in writing about a concern I have seen on my credit report when I try pulling my credit report. The concern was that I didn't seen any report from Equifax. So that's when I contacted Equifax in writing about my concerns and in return Equifax reply back to me by mail ask for more information. I send back a copy of the letter and the information they ask for, and since then I been recieving the same letter several times and also since then I been calling and resendingtthe same information. Last letter I received was XX/XX/XXXX and I send in a other copy of the same information and to this day XXXX haven't seen any change to my credit report from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an inquiry from Goodyear show up on my XXXX   credit report. I have not applied for a Goodyear card in any manner as I haven't even needed anything that Goodyear offers. I didn't authorize this and would like it removed since I didn't ask for credit to begin with. I have a frozen report now.
Product: Debt collection

I have received repeated calls beginning XX/XX/XXXX thru XXXX from a listing identified as Valor. Because i was unfamiliar with this number i did not answer until recently The caller begin with a series of questions attempting to identify me while refusing to identify who they were and the reason for the call. Needless to say, i discontinued the call and received another call from this company a few days later. Person refuses to identify themselves are the purpose of the call. 

I subsequently found the company to be a debt collector of which i have no knowledge and owe no debt to. Repeatedly calls to my mobile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family
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 XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX CREDIT/DOGGETT FOR XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

This is a complaint from XXXX XXXX against Perfection Collection for Perfection Collections failure to provide requested information for the debt alleged. Perfection Collection has been reporting an active account on Consumer 's credit report. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Creditor responded with documentation that is insufficient for showing validity of this debt and the ownership of this debt by Perfection Collection. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX XXXX XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in 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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX XXXX Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Bal {$0.00}.
Product: Money transfer, virtual currency, or money service

BlockFi not releasing funds in owners wallet. BlockFi stopped withdrawals but the terms state that we own the assets in our account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX