23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section XXXX for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ). 

XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts You have XXXX ( XXXX ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Checking or savings account

I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
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So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.
Product: Debt collection

This collection agency Jefferson Capital LLC said I owed a XXXX  XXXX  and can not prove I was even a customer. They just attached a bill to my name without any proof. I asked them repeatedly to prove I was there and they could not. I want to report them for their tactics that are illegally and false. they also said my account was opened in XXXX when XXXX went under in XXXX. This is a huge fraud case. Buying old debt and reporting this as new debt is not legal. I closed my XXXX  account XXXX  in XXXX! Please help
Product: Debt collection

citibank has been calling twice a day for XXXX10 months trying to collect a debt from a sears charge card. i do not now, nor have i ever had a sears card. although i have told them they have both the wrong person + wrong number they call anyway.
Product: Bank account or service

My bank, TD Bank, keeps holding my paychecks until the end of the next business day and charging me {$35.00} for any debit to my account that is n't covered because they are holding my check. For example, this past week, I deposited my paycheck of {$2300.00} on Saturday, and it cleared and was credited on Monday, making my balance {$2700.00}. My rent check for {$1000.00} also hit the bank and cleared on Monday, as did a loan payment of {$300.00} to my mother. However, the bank charged me {$70.00} - XXXX overdraft charges of {$35.00} each - saying the rent and loan payments hit the bank before the paycheck was credited. I believe this is illegal, or at the very least, dishonest and predatory. I would like them to credit me with the {$70.00} - and with the {$35.00} they charged me last pay period for the same nonsense - and stop doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 COLLECTIONS WERE REPORTED FROM FIRSTPOINT COLLECTION RESOURCES ON MY CREDIT REPORT IN XXXX OF XXXX WITH DIFFERENT DATES AS FOLLOWS : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( FIRSTPOINT COLLECTION RESOURCES ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX , my social security number is  XXXX .     On  XXXX   XXXX ,   XXXX   I filed a dispute with Equifax that was resulted on  XXXX   XXXX ,   XXXX  . Confirmation number  XXXX . Regarding a public record on my file that had been paid. My request was to have it deleted. The credit report agency reflects that it has been released and had not removed this from my file after several attempts. I have also sent requests for verification and mailed validation of the debt and this also has not been submitted to me by the CRA in conjunction to my request.     The creditor is the State of Maryland, it is a tax lien in the amount of {$2000.00} and has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with XXXX, Equifax, and XXXX, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, XXXX, and Equifax remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.
Product: Credit card or prepaid card

Date : XX/XX/2019 Transaction : XXXX Amount : {$80.00} I received a product that does not match the description. ( They claimed they were lobster gloves but they are not. ) Seller does not respond, so I tried to go via my credit card company, but there is no way to contact the credit card company. I tried to file a dispute online and on the app but it does not allow for it. I would like the credit card resolve this with the merchant and credit my card for the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX
Product: Money transfer, virtual currency, or money service

Back in 2017 my bank account was hacked and XXXX $ was transferred out of my account to another using Zelle. I contacted the bank and was told they couldnt do anything about it. Contacted Zelle and was told there is no way of knowing how that happened. They had no firewalls or security protocols to prevent something like that from happening
Product: Student loan

Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.
Product: Debt collection

XXXX XXXX XXXX XXXX I noticed an collection without notice!! 
I have never did business there is no contract Between me and this agency! 
I do not owe this company
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had returned a product for which I was issued {$2200.00} on my credit card ( XXXX XXXX by Synchrony Bank ). Bank sent me a paper check to my home address which I never received. When I asked them for a replacement check, I am told that the check has already been cashed by someone in a chase account. 

I have conveyed to Synchrony Bank that it is not me ( which can also be seen from the attached check image provided to me by the bank, it is endorsed by someone else and not me ). But Synchrony Bank says they have no process of re-issuing an already cashed check. I have raised the complaint with the police authority- they advised me to share the complaint with Synchrony Bank to get a new check as all check transactions have insurance against this type of fraudulent activity. But Synchrony Bank is not cooperating and asking me to work with the Police. The detective also told me this is a low-priority matter based on the amount and check being insured entity. Additionally, the job of the police is to catch the criminal and not get the money involved ( that is for the bank to take care of ) Check is the property of Synchrony Bank then why is my money on the line when I never received it? It is technically not my money until I receive it in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Product: Mortgage

In XX/XX/2022 I caught COVID which caused me to fall behind on my mortgage payments. I contacted M & T and initially they gave me a forbearance and told me about the PA Homeowners Assistance Fund and recommended that I apply for them. I applied for PAHAF program and received an award letter granting me funds to get caught up on my mortgage on XX/XX/2022. During the time M & T pressured me into completing a loan modification application for a partial claim. I sent back the documents at the beginning of XX/XX/2022 and made M & T aware that I had been awarded a XXXX through the PAHAF and that PAHAF would be contacting them in order to pay them. From XXXX XXXX XX/XX/2022 I got the run around from M & T Bank stating that PAHAF never sent over the payment and PAHAF was responsible for holding up the payment. On XX/XX/2022, I spoke with an M & T specialist who discovered that M & T made a huge servicing mistake on my account. The M & T rep stating that M & T sent over the wrong documents in XXXX to PAHAF causing the delay of payment. The rep also discovered that I had been provided with false and misleading information from previous reps as no one told me I had to rescind the partial claim that i was approved for in order to receive the grant. Also no one told me that I had to pick between the award money from PAHAF or go through with the partial claim but I couldn't do both. Additionally the rep discovered that I was misled by previous M & T reps who stated that I didn't have to send in a payment at that time because PAHAF was going to cover the payments. The rep on XX/XX/2022 immediately escalated the case to her manager. However at this point I am at risk for foreclosure due to false and misleading information that M & T provided to me as well as sending the wrong information to PAHAF program back in XXXX.
Product: Consumer Loan

I had a total loss of my XXXX GMC Terrain on XXXX XXXX, XXXX. I contacted Santander, my lien holder and advised. I was told that I will have to get payoff from bankruptcy court and I was told to have the insurance contact them. I was also told by XXXX with Santander bankruptcy department that any interest accrued after the loss would be taken care of. The insurance company contacted Santander and they gave a payoff of around XXXX. Once they received the XXXX from XXXX insurance they continued to add interest to the account. So when Gap insurance paid XXXX a balance of XXXX was on the account. The money paid on the account was based on the payoff amount provided by Santander. I received a call from Santander requesting payment XX/XX/XXXX. I questioned why was I not contacted before now. Also why would a totaled vehicle continue to accrue interest when company gives a payoff amount. Clearly with a balance over XXXX means the true payoff was not over XXXX as stated by Santander Representative.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXXXXXX XXXX XXXX, XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate this account and update this payment to paid on time immediately.
Product: Debt collection

My XXXX has XXXX. Frequently calls from XXXX XXXX XXXX debt collector XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 an alleged fraud or extortion. 

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 reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal loan accounts XXXX XXXX  and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There are XXXX HARD INQUIRIES I am not aware. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the reported accounts, collections, or hard inquiries. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these fraudulent entries removed. 
Fraudulent Accounts : 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  - {$0.00} Unauthorized Inquiries : 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

XX/XX/2022 I brought a XXXX XXXX XXXX for {$800.00} dollar on XXXX XXXX I was told to load the cards take photos of my cards and receipt and load to the website by the seller I did and I received a invoice so on XX/XX/2022 The seller contact me to say that the XXXX  was on hold in custom and I would have to pay {$500.00} and would be reimburse when the XXXX  arrived I never received my XXXX  so I call serve American Express to stop the payment and was told they can't do anything until the money was taken so on XX/XX/XXXX a scammer stole XXXX XXXX I have dispute this problem twice and they just keep declineing my disputes Serve American Express is not conducting a proper investigation and just keep denying my disputes I have fax the invoice Declaration of fraud and dispute form to the and still they want give me a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX XXXX and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX  and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.