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

On XX/XX/22 I mobile deposited a insurance check from XXXX XXXX XXXX was told there would be a XXXX day hold on a check after XXXX days I received a letter saying it would be a XXXX day hold on a check they froze all my accounts even the money that was in the checking account before the holes were placed on this check I cant get any answers from PNC. No one retires my phone calls and my account is still frozen after 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th attempt since XXXX  contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in XXXX, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from XXXX OR Transunion in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response
Product: Debt collection

I am not sure of what actually happened. Ive been monitoring my credit lately and seen an account I was unaware of. Based on the details I cant even determine what type of debt this is and how did is get on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a copy of my fcra report from XXXX! 

I've been trying since XXXX! 

Now it's XXXX! 

I have left telephone messages on XXXX XXXX telephone messaging system! 

A lot of times!
Product: Checking or savings account

My checking account was hacked/scammed. It was discovered on XX/XX/2023. Bank was immediately notified. Accounts were closed. Everything was properly secured. All paperwork was sent to the XXXX XXXX XXXX XXXX. The monies that were taken went to Cash App. XXXX XXXX XXXX XXXX requested search warrants to be conducted. They were done and completed through the XXXX XXXX Police Department by Detective XXXX XXXX. Cash App has been notified and keeps closing the claim stating that they show I was the one making the transactions. Search warrants showed several IP addresses from all over the country with the monies being sent everywhere. XXXX XXXX states that because it was a Cash App issue and a third party they are unable to provide any refund. They say it is strictly a Cash App issue. We can not get Cash App to understand what is happeneing. We have the search warrants to disclose to them but they just keep closing the claim and hanging up on myself and the detective. Can you please help me.
Product: Debt collection

XXXX XXXX XXXX debt show 's an XXXX XXXX XXXX bill, that I paid to XXXX XXXX XXXX in cash 5 to 7 years ago. This should n't be in collection, I have disupte that with XXXX they have removed it from there credit report but Transunion, I have opened a dispute with them they said, they verfied it, but it is not true. I am not liable for this account nor I recognize XXXX accounts. This should be deleted from my credit report in Transunion credit report.
Product: Student loan

AIDVANTAGE IS NOT PROVIFING ME MY MASTER PROMISSORY NOTE. I SPOKE WITH A REPRESENTATIVE FROM THEIR COMPANY TWO WEEKS AGO THEY STATED THEY WOULD EMAIL ME THE DOCUMENTS. 

I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt XXXX XXXX XXXX XXXX XXXX requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both AIDVANTAGE and XXXX XXXX send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

IF YOU CAN NOT SUPPLY THIS INFORMATION, I WILL BE FORCED TO FILE A CMPLAINT WITH THE SECURITIES AND EXCHANGE COMMISION IN WHICH YOU ARE GOVERNED. 

Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX BENEFICIARY Authorized Representative for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



STAMPED ( LAWFUL MONEY THAT GOES TO THE QUEEN ) AND ENDORSED STATEMENT WAS SENT TO THE INDENTURED TRUSTEE XXXX XXXX XXXX XXXX, XXXX. FOR CANCELLATION OF THE SAID DEBT AND REQUEST FOR PROPER TAX FILING BE MADE. 


THE US DEPARTMENT OF EDUCATION STATED IN FERPA THEY WOULD NOT SHARE ANY OF MY INFORMATION THIS IS A VIOLATION.
Product: Mortgage

" Granted '' a HELOC from CITIBank in XX/XX/XXXX, interest only for 10 years, ballooned in XX/XX/XXXX, started " Loan Modification '' in XX/XX/XXXX. After sending in the same information over and over again, requesting information not necessary, finally made it to Underwriting for the second time only to be denied a " Loan Modification '', they now have me over {$18000.00} past due and was told to bring my account current or do a short sale! I was " Granted '' this loan with a picture of my property taken out of a car window in the dead of winter and I spoke with NO ONE regarding questions on the house, if they would have spoken to me they would know that it was started in XX/XX/XXXX, added on to 5 times, has no conforming sewer and a sandpoint for water, thus I was told that I have too much equity to qualify for a loan modification!
Product: Debt collection

I have been going to XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for many years. I ALWAYS pay in full at the time of service. I was shocked to receive a delinquent notice from Amer Assit A/R Solutions Inc XXXX XXXX XXXX XXXX Ohio XXXX threatening that this could ruin my credit. 

I called the XXXX XX/XX/XXXX. They assured me I didn't owe anything and this company was just behind and it would be cleared up. I don't know how or why my info was sent to them in the first place. This happened again two weeks later so I contacted the XXXX  again on XX/XX/XXXX. I got their exchange/customer service and explained the situation. Then I called the debt collector and they said it was on the XXXX and they couldn't clear my record until the XXXX  resolved it. I called the office again XX/XX/XXXX. The office manager XXXX XXXX tried to conceal her identity. When she finally identified herself she said she would resolve the matter and send me email confirmation. She never did. I wrote a personal letter to the owner XXXX XXXX advising her that was costing her customers and after many years I would not be coming back. There was no response. 

Now I have another letter XXXX from XXXX XXXX Collection Officer threatening to proceed with additional corrective steps. I am tired of being harassed when no money was EVER owed.
Product: Debt collection

I have not notified so why Im paying XXXX XXXX fees
Product: Debt collection

I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 
I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.
Product: Student loan

My student loan is processed by Earnest. My standard rate is 4.210 %. I am enrolled in auto pay and as a result I supposed to receive a .25 % rate reduction. Despite my enrollment, Earnest refuses to provide the reduced rate without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion has some accounts on my credt reports that are not mine.
Product: Money transfer, virtual currency, or money service

To formally expressed my concerns regarding sales handling a disputes, particularly of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle 's numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transaction was unfeasible. The CFPB 's findings indicate that has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users to vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was really disheartened to discover unauthorized inquiries on my credit report, with no explanation as to how they got there. I routinely check my report, but this time, discrepancies appeared out of nowhere. After refreshing my browser to rule out a malfunction, nothing changed. Im asking that the documents Ive sent be examined thoroughly to prevent this from happening again.
Product: Debt collection

I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. 
Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. 
XXXX ownes this debt. Winn Law Group calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XX/XX/XXXX. 
RThey sent me a settlement that they did NOT SIGN, amountb too high.

They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! 
They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. 
Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....
Product: Credit reporting or other personal consumer reports

The unverified account mentioned below is still shown on my credit report in violation of federal law, even after I have sent several formal requests to have it removed. I never heard back from the XXXX credit bureaus after sending them a letter. In compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), these accounts has to be verified. In the event that they fail to verify this accounts, I will file a lawsuit. In order to expedite the resolution of this problem, kindly observe the law. 
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

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

Upon checking my TD business account on the morning of XXXX the app stated that the " I do not have any accounts to display ''. After calling the number and not getting any response I went to a local branch to discuss the matter.

I was not given any information about the account except for the fact that Corporate has decided to close it and I would be receiving a letter stating their explanation. As for my funds, I could not retrieve it without the said letter.

Feeling hopeless I needed to make sure my checks were either cancelled or cleared could not even access my statements as it was no longer recognized by TD bank. So I had to ask the teller for a copy of my statement. 

It was not until later on that the letter was sent over to my business partner 's house ( not the actual place of business ). We scrambled to try to retrieve the funds so we can open a new business account elsewhere. But all this taking a whole day ordeal left us stranded. We were only able to do so the following day, and even so with push back. 

The letter stated that they would no longer support our business and that they have decided to close the account on XXXX and to no cut any checks past XX/XX/year>. This letter was dated on XXXX! 

Throughout the course of the day, my other business partners who have personal and business accounts with TD all shared the same experience. There is still no communication as to why they did what they did till this day. Even now we are in the midst of finalizing our business account elsewhere. 

This whole experience left me puzzled, upset and confused. Never again will I be using TD bank for any of my financial needs and have vowed to spread the word of its negative practices to it's customers.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was stunned to find incorrect accounts listed that I can't explain. I always monitor my report, and seeing these unexpected errors was so unsettling. I tried reloading the page, hoping it might resolve, but the accounts still appeared. Given this problem, Im asking for a thorough review of the documents I provided so I can avoid this kind of stress going forward.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I have identified several accounts and credit inquiries on my credit report that I did not authorize or open. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved.

I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim.

Please investigate this matter promptly and update my credit report to ensure it reflects accurate information.