23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received written correspondence from Hayt, Hayt, & Landau, P.L. with a XXXX rating of XXXX stars. I do not have any business dealings with this company. 

I am writing regarding your recent correspondence about a debt you ( Hayt Hayt ) claim I owe. To clarify, I have no dealings or signed agreements with your agency, nor do I wish to conduct business with you. Furthermore, I have previously requested to solely deal with XXXX XXXX XXXX  and XXXX XXXX regarding this matter, yet your agency has failed to respect that request. 

In XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In response, XXXX XXXX XXXX  provided the attached correspondence, which stated that I should direct any questions or concerns to them directly. 

In XX/XX/year>, I exercised my right to deal with the original creditor by mailing a money order to XXXX XXXX XXXX XXXX XXXX XXXX  cashed the money order on XX/XX/year>, as evidenced by the attached documentation. If XXXX XXXX XXXX  no longer has a financial interest in this account, why did they cash the money order? This raises serious questions about the validity of this debt and your agency 's right to collect it. 

To ensure clarity, I request that you provide the following information to validate the debt you claim I owe : XXXX. Proof of your legal right to collect this debt, including documentation of the transfer or assignment of the debt from XXXX XXXX XXXX  to your agency. 

XXXX. The original creditors name and address. 
XXXX. A detailed breakdown of the alleged debt, including any fees, interest, or charges. 
XXXX. An explanation as to why I was not provided with a receipt or acknowledgment when the money order was received. 

Until I receive the requested validation, I demand that you cease all communication with me except to provide the information above. 

This letter is not an acknowledgment of the debt but a formal request for verification. Please direct all future correspondence to me in writing at the address listed above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX  IN XXXX  FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
Product: Money transfer, virtual currency, or money service

I deposited {$500.00} on XX/XX/2021 to a robinhood account. On XX/XX/2021 they informed me they did not recognize my account any longer and asked for proof of identity. I sent them my SSI number, birthdate, zip code, address, phone number, picture of drivers license, exchanged over 20 emails with them and they have frozen and locked me out of my account. They are not letting me close the account and they are witholding my money.
Product: Checking or savings account

This was back in XXXX XXXX when my family had a account at Wells Fargo XXXX The fees would go up higher for no reason or money would come out of our account without explanation. Our ATM fees were also raised and we had to pay out more then what was originally planned. Since this time my husband has passed away in XXXX and I am now a widowed mom to our XXXX sons. In fact we may still have open savings accounts for all of us. I have not lived or banked at Wells Fargo since back then as we moved. I'm unsure of the problem as Wells Fargo would have that information and what fees were charged wrong or what amount had been taken back then. Would like to get some of those fees back if it was the actions of the bank and not us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Carmax Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2- States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}
Product: Debt collection

The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/ and XXXX XXXX response ( XXXX  ) dated  XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable  documentation of SPS 's and XXXX   fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; and XXXX XXXX XXXX XXXX, XXXX NY XXXX, and lastly, XXXX XXXX XXXX XXXX NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and Beneficial continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMM
EDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Consumer Loan

I tried to make a payment on my loan online. My payment was past due as I have been having money problems. The website would not allow me to make it and said I had to call in. The website showed I owed {$870.00}. When I called to pay I was told I owed {$900.00}. When I asked why, I was told it was from prior payment not being made in full, but it 's NEVER shown additional amounts due on the website. If someone has additional amounts due, it has to be shown on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  - XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
Product: Debt collection

After reviewing my credit report I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent anymore harm to my financial well being.
Product: Debt collection

This is my final demand Experian has violated several rights of the FCRA by keeping this inaccurate information on my credit report and not removing it. I have attached proof of all three-credit agency and the inaccurate information hosted!!!! THIS IS MY THIRD AND FINAL DISPUTE AND I DEMAND THAT EXPERIAN REMOVE THESE ACCOUNTS EFFECTIVE IMMEDIATELY!!!!!!
Product: Checking or savings account

Received a text ( XXXX ) from Chase Bank fraud Dept. asking if I attempt {$200.00} at XXXX XXXX XXXX 2021 reply yes or no case XXXX reply yes or no to stop. Also on the same text another message read : Chase Bank Fraud alert XXXX payment in the amount of {$2000.00} if you made this transaction reply yes if not reply no. I responded NO via text. Immediately I received a phone call from ( XXXX a XXXX representative and told me that i need to reverse this zelle payment and that a XXXX XXXX had hacked my chase online zelle account. When i logged onto my chase zelle account XXXX XXXX name was on my account which confirmed that i was speaking to a legit XXXX representative. He then asked me to zelle myself {$2000.00} to put the money back into my account and after that he hung up. Thats when i realized i was hacked. He took {$2000.00}.
Product: Bank account or service

My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. XXXX
Product: Debt collection

On XX/XX/XXXX, I discovered that National Credit Systems is reporting an incorrect debt of {$6500.00} on my credit report. This debt was opened in NATIONAL CREDIT SYST and has been listed as open with an outstanding balance. The original creditor is listed as XXXX XXXX XXXX XXXX However, this debt was actually paid in full on XX/XX/XXXX. 

The inaccurate information being reported by National Credit Systems is in violation of the law, as the debt has been settled and should no longer be listed as open on my credit report. Despite numerous attempts to dispute this information, it has not been corrected. 

I request that National Credit Systems immediately removes this inaccurate debt from my credit report and takes the necessary steps to rectify the situation.
Product: Checking or savings account

on XX/XX/XXXX I started a transfer from another bank acct because I saw I was going to go negative. All of my transfers take roughly 24-48 hours. This one stated the same after hitting compete. A day or so later I received an email that transfers are delayed up to 5 days due to the holiday. This was odd since the holiday was still 4 days away. I reached out to the bank right away and they basically said oh well. I then started another transfer to try and prevent any issues from the other bank to Associated. So now I had {$800.00} coming in. I let Associated know. The next day I received 4 OD fees, still no deposit. Then the following day I received the one from the outside bank. 6 days later I finally heard back from Associated. They said they will only reverse one. This is clearly a bank error
Product: Checking or savings account

On XX/XX/year> I made a transaction for {$19.00}. I immediately got a text asking if I attempted to make this transaction and responded yes to the text. 

The next day XX/XX/year> I was charged {$320.00} and then a few minutes later {$270.00}. I checked on my banking app where I got the notification and it said a completely different website and number than the previous {$19.00} company. 

It turned out the website I made the transaction of {$19.00} was fake and I never received my order, I didnt find this out for another week. I tried to contact customer service and there is no valid email or phone number. 

I called my bank on XX/XX/year> while it was still pending and attempted to get them to cancel the charge. They did not and it went through. 3 days later on XX/XX/year> they denied my claim stating that all 3 charges were authorized. I have since called every business day attempting to tell them only 1 was authorized and the other 2 I had no knowledge of. I have spoken to 2 different supervisors and they keep telling me that theyre authorized because I responded to the 1st text. They have only told me to file a police report but will not give me any documentation or even the number to the company that they spoke to. I told them I can not contact the company because the numbers listed only lead to a voicemail and they refuse to provide the numbers they say they called. They will not help me any further even though I continue to tell them they were not authorized.
Product: Credit reporting or other personal consumer reports

In XXXX 2024, I had to get a new vehicle. I authorized the dealership to run my credit with ONLY XXXX XXXX XXXX. I met with the sales manager who assured me that I would not see more than one inquiry on my credit report and that they would not send it to more than one bank for financing approval. Low and behold, a month later there are several inquiries that I never authorized and are now damaging my credit worthiness and are inaccurate because they were never authorized by me. I contacted the dealership directly as well as the 3 credit bureaus. I also contacted each of the financial institutions via mail and phone. Nothing has been done to resolve or remove the inquiries from my reports since XXXX. The following inquiries are unauthorized and need to be deleted immediately : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Experian : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?
Product: Checking or savings account

So i have cash app which is owned by square inc now i have had multiple direct deposits from my XXXX XXXX   unemploymemt i was supposed to recieve my retroactive unemployment the direct deposits are now 6 days late from when they were realeased by the XXXX ive tried to contact square and they just give me the run around i need help in recovering my funds
Product: Money transfer, virtual currency, or money service

I sent XXXX  from XXXX XXXX to Binance US on XXXX at XXXXXXXX XXXX The transfer successfully left XXXX XXXX but has yet to show in the Binance US account that I have. I have sent an email and received a support ticket and have yet to hear from Binance US. I have confirmed with XXXX XXXX that the funds left my account with them and confirmed that I used the correct address with Binance US. 

In reading through forums of complaints on similar issues it seems that Binance US is predatory in not assisting with issues of this matter, locking up customers funds indefinitely.
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 Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

Harassed by a debt collector whom I have no knowledge of owing a debt to, this company has my personals consumer information without my written permission and my rights as a consumer have been violated. Please Cease an Desist all collection activity with this account, and do not contact me further.