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

6 Merchants withdrew from our bank account during the 2018 year without authorization a total of {$16000.00} via repeated ACH withdraws. These merchants are XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX. I noticed these withdrawals in XX/XX/XXXX and reported them to the Bank. The Bank filed 6 claims but later decided that these claims are subject to the 60 days grace period rule. Which means all these losses are my responsibility because I did not notice or report these unauthorized withdrawals in the first 60 days. The Bank refused to provide any assistance to recover these funds from the six merchants and refused to supply any information about the merchants legal information. Although many of the withdrawals meet the 60 days rule, namely, reported within the 60 days of the frauds occurrences, the Bank did not follow Consumer Protection Regulations regarding ACH, outlined in 1005.6 Liability of consumer for unauthorized transfers. The Bank did not even attempt to recover the withdrawals from the merchants. The Bank advised me to contact the merchants. After contacting the merchants, the merchants requested that it is the Bank that should report and recover the funds. 
It is also important to note that two of the withdrawals happened a few days after I reported the frauds in XXXX and after the Bank Branch manager confirmed with me they will fully control my account and promised that XXXX  withdrawal be refunded. 
Before the above six frauds happened, a seventh merchant, XXXX, and as early as XXXX XXXX withdrew via ACH four payments and after reporting the claim, I recovered these funds, however, the Bank did not warn me or advise me that XXXX withdrawals were fraudulent. If the Bank warned me about ACH fraud or advised me to take measures in early XXXX, all these frauds could have been avoided. 
All along, I assumed that the Bank uses a formal process to authorize ACH withdrawals and request a written authorization or any sort of form to prove that ACH transactions are approved by their clients. Many other merchants who legitimately withdrew monies from our Bank account have followed a formal process to withdraw monies.
Product: Mortgage

Closed on an investment property last summer. First payment was due XX/XX/XXXX. So I went to loan servicers website & set my account up in XXXX for payments to be on auto draft. On or about XX/XX/XXXX, I got a letter that my first payment had not been made & I now owed 2 payments. So I went online to the site & it said that auto payments was set up. I then called the company & paid both payments with my debit card. The lady said she could see that I was on auto pay. She said not to worry, no charge would come to me. So I thought it was taken care of. 

I applied for another investment mort. Loan & was made aware that the late payment showed up, even though it was obviously a fault in their electronic system! I filed a complaint with them & they came back with not finding any fault on their part!!! 
The Company is XXXX and the account # is XXXX My name is XXXX XXXX XXXX. My name as well as my business partner is on the loan as well. Her name is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

As a frequent user of Zelle, I have encountered instances where transactions appeared fraudulent or incorrect. Despite promptly reporting these discrepancies to my financial institution and Zelle, I was informed that no investigation could be conducted, recovery of funds was impossible, and tracking the transactions was not feasible. This lack of action not only undermines consumer trust but also raises serious questions about the platform 's commitment to user protection. 
The findings of the CFPB further emphasize the gravity of this issue, revealing that Zelle has failed to implement adequate safeguards against fraudulent activities and has allowed repeat offenders to exploit its system. This negligence has left countless users, including myself, vulnerable to scams and without recourse to recover lost funds.
Product: Mortgage

I made it clear I could only afford a mortgage payment from $ XXXX-XXXX, I am however paying {$2100.00}. Had I known this was the case I would not have purchased the home. I noticed at time of signing and was told it could be fixed after closing however the originating company stated it was so high due to an {$18000.00}. loan the previous owners had taken out on taxes and it would be corrected. After a few weeks I was told the loan was transferred to another company and to deal with them directly regarding the error. I have made tons of phone calls and emails to be told the taxes were not figured out correctly by the originating loan company and that is why I have an extra {$300.00} per month. there is nothing the new company can do about it. This is fraud! I would have never agreed to this. The originating company did not respond to my complaint from day one they just wanted me to sign up for a loan so they can get paid even if I couldn't afford it. I am very stressed and have an extreme hardship coming up with the monthly payment. Do not believe when they state they will " fix '' the documents after closing. You are stuck with whatever you signed for.
Product: Debt collection

I have new and updated information regarding complaint number : XXXX XXXX XXXX XXXX XXXX XXXX. and Hayt Hayt & Landau, P.L. are debt collectors who are attempting to collect an unvalidated debt that they refuse to provide documentation for me The Consumer to assess and validate the accuracy of their claims. XXXX XXXX  XXXX, XXXX. furnished my personal information to Hayt Hayt & Landau, P.L. without my consent. Hayt Hayt & Landau, P.L. used my personal information to contact my employer without my consent in attempt to cause me harm by impacting my employment status with their extortionate collection attempts. Last, XXXX XXXX XXXXXXXX, XXXX. and Hayt Hayt & Landau, P.L. have threatened to take my property by filing an unauthorized legal action within an unauthorized venue in their attempt to collect this unlawful and unvalidated debt.
Product: Debt collection

I do annual background checks and found my name common in the among XXXX XXXX. XXXX {$300.00} debt after I try to prove my name is still not XXXX fully changed to own rent property. Then they place debt on me that was own out of state with me having me paycheck as working in XXXX XXXX XXXX XXXX XXXX  Them only change they year of it was own. Plus the unsolved dispute only original XX/XX/XXXX to XX/XX/XXXX change the date not received report my current address. Call few time only want to collect information XX/XX/XXXX to XX/XX/XXXX they address new address to credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ever lived or been at. Own removed middle month with dispute ( XX/XX/XXXX ) since it was original XX/XX/XXXX. Pay check sub proof is XXXX XXXX week week work overtime in XXXX XXXX  of the original collection.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys Name and Address TD AUTO FINANCING RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The item was returned and the company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,
Product: Student loan

This loan was taken out in XXXX. When I left college, I applied for an IDRP which would lead to forgiveness. Throughout the years, I would periodically receive emails, where I would only have to reply " yes '' through the email, to continue to receive forebearance or deferrment. I was never told this would restart my forgiveness timeline. Now when I look at my account, it tells me I'm eligible for forgiveness in XXXX! This is completely unacceptable!
Product: Debt collection

A company by the name of Harris, Klein Associates, Inc called me stating that a flight that I took back in XXXX 2017 with XXXX was not valid because the credit card was declined. They told me I owed more than double the cost of the flight. I could n't find much information regarding the company, only that they had a website but no reviews and they are not accredited with BBB. They are saying that me and my girlfriend owe {$460.00} each for flights that were only {$600.00} total to begin with. I do n't feel this is valid but wanted to confirm this is valid. 

The company is located at XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX or ( XXXX ) XXXX
Product: Bank account or service

BANK OF AMERICA IS A DEFINATE CRIMINAL!! HERES THE PROOF! AFTER 5-6 COMPLAINTS ABOUT A FRIVOLOUS ALLEGED DEBT THEY HAVE FAILED TO SHOW VALIDATION, THEY RESPONDED " IT SEEMS I HAVE BEEN A VICTIM OF FRAUD " NO XXXX XXXX!!! AND BANK OF AMERICA IS THE FRAUDSTERS CRIMINALS, THEY CAN NOT PROVE THIS DEBT IS MINE AND THEY FAIL TO COMMUNICATE WITH A PROPER RESPONSE, THEY ARE EVEN REPORTING ON THIS ALLEGED DEBT PASSED 7 YEARS AND THATS A CRIME ALSO, FURTHERMORE BANK OF AMERICA HAS NO VALID CURRENT CONTRACT WITH ME AND THATS ANOTHER CRIME, ANOTHER POINT IS HOW CAN A XXXX AMOUNT BE PROCESSED WHEN THERE IS A XXXX BALANCE AND THEY REFUSE TO ANSWER THAT ALSO!! 
SO HERES THE VERY SIMPLE QUESTION CAN YOU PROVE THIS ALLEGED DEBT IS MINE? YES OR NO. AND SHOW RELEVENCE TO YOUR ANSWER!!! YOU OWE ME NUMEROUS DAMAGES IN VIOLATIONS PLUS PUNATIVE, I WILL SEND YOU AN AFFIDAVIT AND WHEN YOU CAN NOT ANSWER IT ILL FILE A COMMERCIAL LIEN AGAINST YOUR CORPORATION, NO JUDGE IS NEEDED XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account for {$360.00} is being flagged on my TransUnion and XXXX XXXX reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from Transunion indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX Mailed Verification Affidavit to both XXXX and Transunion regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and Transunion be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 usc 1681n ( civil Liability for willful Noncompliance ) I have disputed with this company time after time, they never validate any of their information, because if they did then my credit report wouldn't continue to harm me but reflect on the truth. 
Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX 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 Account name XXXX XXXX  Account number XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that Capital one has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to Capital one close the account close the account in XX/XX/XXXX something is not right, I don't have the Capital one credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that Capital One is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So Capital One as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX Capital One government officials ( When did I give Capital One permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told Capital One has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Product: Checking or savings account

I contacted PayPal re a purchase I made from XXXX on XX/XX/XXXX  in the amount of {$360.00} through them. Of that {$360.00}, on XXXX  at XXXX, I set up a partial return with the company in question. The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. This was provided to PayPal. The items were sent Via XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/, XXXX at the warehouse in XXXX XXXX XXXX the address provided by XXXX XXXX Further, PayPal continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from PayPal. PayPal denies this, even though that information was provided to them. 

PayPal requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. Said information was provided multiple times. Despite that, they closed my case in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but PayPal refuses to further investigate despite XXXX has given them in writing that the refund of {$230.00} will be coming from PayPal as XXXX already refunded PayPal.
Product: Credit reporting or other personal consumer reports

15 U.S.C.1681 : governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Experian, XXXX XXXX, and XXXX has violated my rights I don't need to wait 30-90 days to investigate I need them removed immediately! 
I also received information that my personel information and more from Experian, XXXX XXXX, and XXXX has been in a data breach and I need everything off my credit immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two or more late payments on an account that I was never late for. 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. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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

RE : Navy Federal Account Number XXXX I am listed as an authorized user on an account with NFCU. ( Account number XXXX ) This account was owned by someone who is now deceased. As such I would like to be removed as an authorized user as I am not the responsible party.
Product: Credit reporting or other personal consumer reports

This account XXXX  Account number XXXX is only showing on my XXXX report but it should be showing on Experian and XXXX but for some error reasons it's not I have made a complaint and nothing was fixed and now I'm making another one no one have helped
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. 

XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sending money though Zelle without a warning to make sure is the correct person
Product: Debt collection

I want to join the lawsuit against Portfolio Recovery Associates who has caused to hire an attorney on more than one occasion to defend against a frivolous lawsuit filed.
Product: Money transfer, virtual currency, or money service

This in regard to Paypal. During the first week of XXXXXXXX XXXX I had some unauthorized transactions from my debit card in which I contacted my bank fraud dept about the incident however I did received a new card. I had to changed my accounts information on how I pay my bills and one them is PayPal, I logged into that and notice something wasn't right there was received payments from individuals and a business tied to my information. None of these are mine and never any of those funds and these happen on XXXXXXXX XXXX. I then contacted and spoke to a live rep with Paypal she said it look like someone in California use my account to change the information to " primary '', to scam and fraud. Selling fake goods and then using my PayPal account to collect their funds. Then these customers are looking at me ( a victim as well ) for their money back. PayPal did send 7 statement for each customer that they had figure out the problem. But, it still left a XXXX negative balance on my account because of that.