23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts and inquiries to be BLOCK AND DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.
Product: Credit card

My XXXX XXXX XXXX XXXX XXXX XXXX was charged several hundred dollars for a transaction I did not authorize. I submitted a dispute with Barclays Disputes Department, but they determined that the transaction was valid, claiming that I still had possession of my card when the transaction occured. Based on this, they closed the case without further investigation. I strongly believe their determination was incorrect and failed to meet the investigative standards required under U.S. consumer protection laws. I formally requested Barclays to reopen the dispute. 

Why Their Investigation Was Flawed : Failure to Provide Adequate Evidence Barclays claimed the transaction was valid because my card was in my possession. This reasoning is insufficient, as fraudulent transactions can still occur even under these circumstances. A thorough investigation should have gone beyond this basic assumption. Their approach failed to meet the standards set by the Fair Credit Billing Act ( FCBA ), which requires credit card issuers to conduct a comprehensive review of disputed charges.

Violation of Consumer Rights Under the FCBA The FCBA ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ) provide consumers the right to dispute unauthorized or incorrect transactions. Barclays was obligated to conduct a thorough investigation and consider all relevant evidence. From their response, it was evident they failed to meet these requirements, as critical details about the transaction were ignored.

Failure to Provide Supporting Evidence Barclays is required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to provide evidence supporting the validity of the transaction. I specifically requested the following, which they ignored : A copy of the transaction receipt, including a description of the services or products provided.

Documentation showing my authenticated signature authorizing the transaction.

Logs and records detailing the transaction 's origin, including IP addresses, geolocation, and device information.

Without this evidence, their conclusion lacked credibility.

Consumer Financial Protection Bureau ( CFPB ) Guidelines The CFPB mandates that financial institutions protect consumer rights and conduct proper investigations into disputes. Barclays superficial review and failure to address my specific concerns violated these guidelines.

Repeated Inadequate Responses Despite my formal request to reopen the dispute and address my detailed concerns, Barclays ignored my points and repeatedly sent the same response. This dismissive approach was unacceptable and highlighted their failure to fulfill their obligations. By refusing to investigate thoroughly, they effectively supported and enabled fraudulent activity.

In Summary : Barclays handling of my dispute failed to meet the standards required under U.S. consumer protection laws. I urged them to reopen the case, conduct a thorough investigation, and provide the evidence I requested. However, they ignored my request, showing a disregard for their responsibilities and my consumer rights.
Product: Money transfer, virtual currency, or money service

I tried to deposit a remittance slip to Chase bank located in XXXX, Pa and because the agent claimed to not have ever done that type of deposit I was denied service as I was explaining how the remittance slip was not money I was suppose to pay but money to be deposited seeing as though it is in a positive balance and endorsed. He proceeded to say that 15 USC 1602 ( l ) the definition of a credit card in reference to a social security card being the information to enter into a consumer credit transaction was not true. It is to my understanding that if presented form of payment it can not be denied or the debt is discharged under UCC 3-603
Product: Checking or savings account

XXXX invest account Ive been charged for a few months Everytime I have to transfer money taken out out my checking account finally after paying fees they finally stopped now after a few months they have taken money out of an account I closed along time ago. Now i have to try to close it again!
Product: Credit reporting or other personal consumer reports

After receiving my XX/XX/year> Equifax consumer report, I noticed my personal information was inaccurate.
Product: Debt collection

I have made several complaints to Midland Funding about one of the accounts placed with them. During the dispute I asked for a copy of the document I signed. They have me listed as having a XXXX account in a state I have never been to. my name is also misspelled. I never had this XXXX account. They sent me back that they sent me some notice which I never received and never addressed that I did not sign for this. If I knew the dates that I supposedly had this account I could try to prove my whereabouts. they also seemed to say that because I have another collection account this must be legitimate. This is not legitimate. I have never been to Virginia in my life. This account needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report from the same company that I did not authorize. The company is Onemain. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both Onemain and XXXX  directly, to no avail. Neither of these agencies can show proof that I have ever done business with Onemain, yet for the last year has listed the inquiries on my credit file. XXXX  has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have Onemain submit a " removal request '', etc. ). This is ridiculous! Shouldn't XXXX  be the ones conducting the investigation and having Onemain provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!
Product: Mortgage

This goes with my earlier complaint XXXX. PHH Mortgage services has hit my XX/XX/XXXX and XXXX but i missed the calls because i was at the hospial with my father. I called them back on XX/XX/XXXX to see why they were trying to contact me only to get told there is nothing noted on my file and they have no knowledge of anyone trying to contact me. Hopefully you can help me find out the reason they were calling my phone.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

I received a email from XXXX XXXX. I moved from XXXX Florida XXXX years ago in XX/XX/year>. I divorced my ex husband XXXX and when I reached out to the property management that own the address on the invoice they told me it was XXXX XXXX and the Utility company told me to reach out to the fraud department and I did but didn't receive a call back. And now it's on my credit.
Product: Money transfer, virtual currency, or money service

Ive experienced nothing but XXXX and issues with Robinhood. Using their account as a brokerage, and to buy crypto. Theyve made my life an absolute nightmare. Ive had Robinhood for a number of years, and hated it. I recently decided to give them another chance on the platform last month and put in {$50000.00}. That was my daily limit. Shortly thereafter, and being XXXX in/ forced to pay Robinhood XXXX ( which should be illegal ), they lowered my limits to {$1000.00} deposits per day and sending only {$1000.00} a day in cryptocurrency ( from {$5000.00} ). They wouldnt get back to me as to why this was happening. They then froze my accounts and asked me to provide a bank statement, which I did. Then they emailed me back saying my account was unfrozen and I could continue transferring/ investing with the {$1000.00} a day deposit and {$1000.00} a day withdraw limits. They continued to XXXX me off. They locked my account once again about a week ago, and demanded a selfie. I submitted a selfie and that wasnt good enough. Then they asked for the same information from last month- a bank statement! How stupid are they to request the same document over and over again? I sent it to them. Then that wasnt good enough. Then they needed me to speak to them on the phone ONLY AT CERTAIN AND EXACT TIMES THEY CALL. They left no number or direct contact line to return the call. This was from a guy named XXXX. I then took off work awaiting his call the next day all morning to take the call. He asked me various questions- why I returned to Robinhood, where I got my money from, why Im interested in using the platform, why my phone number changed, what devices are logging in, etc. He then told me that my account should be cleared up and resolved by the end of the day ( this was 2+ days ago ). I never received a letter or email like he promised, and I had to follow up last night because my account was STILL locked. I was unable to sell or withdraw my crypto or stocks during bitcoins peak, because of this. Theyre holding everything hostage, despite a mountain of information. Today, I received an email saying theyre closing my account. FOR NO REASONS. After XXXX blatantly lied to me and said there would be no restrictions. These people are scam artists! Theres kids XXXX  themselves over Robinhoods mistakes! A significant amount of my money is on their platform and XXXX said Id be able to get access to it back in no time. Nothing but liars! I submitted with my other brokerage for my assets and stocks to be transferred so I dont have to sell and take a tax hit. These people XXXX! Please CFPB help me get my money back from these evil people! This company should be BANNED! Its not a real crypto broker or a real brokerage! Theres nothing but issues with Robinhood from millions of people! Just going to use my real legitimate brokerage from now on - XXXX XXXX! Please CFPB get my money back from these evil crooks!
Product: Debt collection

XXXX XXXX Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, Bank of America was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.
Product: Mortgage

Below is the text of an email I sent that spells out my situation. 

I spent almost six months in the short sale process. Then, I started pursuing a deed in lieu of foreclosure and it has been one stall after another due to a lien that was released in a timely manner and the remainder due to negligence and lack of due diligence on the part of Wells Fargo. I called in weekly, waited for a month for a document they already had, and they were not honest when I called to check on the status. Weekly being told they were waiting to hear from the title company when the title company was waiting on them. 

My email text today : I called in today to see if the title company accepted the last document I have submitted for the fourth time. Subsequently, I received a call from XXXX ( home preservation specialist supervisor ) stating I called and yelled at whomever I spoke to today which I did not. I had no reason to as I believe she told me all that she could. 

Yes, I am pressing for answers in that I have been trying for months now to complete this deed in lieu of foreclosure process. I have every right to want more specifics given how my file has been mishandled plus I have a time definite to vacate but you all have no time restraints. 

1. Short sale took so long for an approval that the seller backed out. 
2. I am advised of a lien during the deed in lieu process and got it cleared up prior to my XXXX XXXX vacate date. 
3. I have turned in the release four times XXXX, XXXX, ( not advised that the copy was illegible until XXXX ), XXXX, ( then told the title company could not read the upper right hand corner, and submitted it again on XXXX XXXX. I was told by XXXX that my file was being closely monitored and reviewed every two days. 

Today, XXXX, I called to see if the document was accepted by the title company ( XXXX XXXX ). No answers could be provided. So I called XXXX XXXX and they did see where the lien was released and I provided them with both XXXX and XXXX number. This is absurd in that the document is online accessible to anyone and XXXX XXXX has been in business for many years. 

Later, I get a call from XXXX questioning me about my conversation with a Wells Fargo rep who obviously communicated that I was yelling. I had no reason to yell at her. I did not accept yet another vague answer and asked questions for clarification. 

After reflect on my call with XXXX, I am highly offended that my calling for answers is the issue as opposed to processing my file. Please know that I will continue to call every other day. I will continue to voice my dissatisfaction with the mishandling of my file until there is resolution. I no longer trust in what you all say you will do in that you do not stand behind what you say. You asked for an opportunity to resolve. We are still at square one. 

The only communications I expect are updates and not an attempt to tell me who I can speak with. I do n't necessarily want to speak with anyone. I am not seeking another extension. I want closure. This has been highly XXXX for me and my family being unable to move on.
Product: Debt collection

I hate making a complaint against a business, but I just don't understand why I'm being sued after making payments for the past XXXX months. 

I was served a summons and complaint on XX/XX/2021 that has an old date of XX/XX/2021 on both the summons and the complaint. It was sent via certified mail by XXXX XXXX, XXXX based out of XXXX Prior to receiving this summons XXXX setup a written payment plan and have made consistent, timely payments for the last XXXX  months. Payments are due at the end of every month. 

On XX/XX/2021 Johnson Mark sent me a debt collection letter regarding a XXXX XXXX debt that I could not afford to pay during the pandemic. In the second paragraph of Johnson Mark 's letter it states To resolve this matter, you may either pay the Total Amount Due ( unless it has already been paid ) or contact the law firm at XXXX and work out arrangements for payment. If you do neither of these things, our client may be entitled to file a lawsuit against you or take further action for the collection of this debt. 

On XX/XX/2021 I responded to Johnson Mark 's letter. My letter was delivered on XX/XX/2021, signed for by XXXX XXXX, XXXX tracking # XXXX. In my letter I requested that the debt be verified. I thoroughly explained why I was making that particular request, explained the loss of both of my brothers and the affects of the pandemic. I also ask if XXXX XXXX was willing to accept a lesser amount and if I could get a copy of my credit card agreement. 

On XX/XX/2021 Johnson Mark sent me a verification of debt letter that contained copies of credit card statements. I had also asked for a copy of my credit card agreement. I had requested in my letter that I be allowed 30 days to review their information, but that request was not fulfilled for some reason. 

On XX/XX/2021 I responded to Johnson Mark 's XX/XX/2021 letter. My letter was delivered on XX/XX/2021, signed for by XXXX XXXX, XXXX tracking # XXXX. Since Johnson Mark was not able to give me XXXX days to review their debt verification letter, I was worried about a lawsuit and set up a written payment plan in this letter I wrote. This is due to the fact that they stated I could avoid a lawsuit if I made arrangements for payment. I set up my own written payment plan that is listed in my XX/XX/2021 letter. My first payment was delivered XX/XX/2021. 

All seemed to be going well until I was served on XX/XX/2021. Once again the summons and complaint have a date of XX/XX/2021 listed on them. 

Here are my payments, they have been confirmed as received via tracking numbers. All tracking numbers can be provided upon request. 

Payment # 1, due XX/XX/2021, delivered on XX/XX/2021. 
Payment # 2, due XX/XX/2021, delivered on XX/XX/2021. 
Payment # 3, due XX/XX/2021, delivered on XX/XX/2021. 
Payment # 4, due XX/XX/2021, delivered on XX/XX/2021. 
Payment # 5, due XX/XX/2021, delivered on XX/XX/2021. 
Payment # 6, due XX/XX/2021, delivered XX/XX/2021. 

All documents and payments that are mentioned here have been scanned and can be provided immediately upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NEW AMERICAN FUNDING IS REPORTING LATE PAYMENTS OF 60 DAYS OR LATER THIS IS INFORMATION IS INACCURATE. 
In accordante with the fair credit reporting act XXXX  account # XXXX  has violated my rights. 
16 U.S.C 161 sect on 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a eonsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer creel plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received copy of 1099-C issued by XXXX XXXX  which in fact legally canceled the debt on XXXX, no balance is legally owed. 

Per my dispute on XXXX with Experian including uploaded 1099-C, Experian updated the account to the ACCURATE balance of {$0.00}. Then on or about XXXX Experian reinserted a balance of {$22000.00}. This is a FCRA VILOLATION I already filed a complaint with CFPB complaint number XXXX on XXXX however, Experian has not corrected there error nor provided a response. I did see that Experian noted my credit report on XXXX that their reinvestigation was complete and that the information of {$22000.00} balance was accurate. Experian has been provided with legal proof that the accurate balance is {$0.00} on XXXX account yet continues to ignore this factual information and will not block the account from updating a balance. There was no need for a reinvestigation as Experian already had legal proof of no debt owed to XXXX XXXX. 

I have copies of my Experian reports from XXXX thru XXXX that show {$0.00} balance and then on XXXX showing a reinserted balance of {$22000.00}. Again this is a FCRA Violation, I will give all this factual information to an attorney if Experian does not correct there error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing this complaint under no influence of any third party agency. Please see the attachments below as it contains my complaints and request.
Product: Checking or savings account

Since XXXX Ihave been trying to find out Who set up certificates of deposits in my name and joint with other persons When I went into suntrust bank on numerous occasions I was told my monies had a hold on them I found out that there certificate of deposits set up by some person but they were locked in and I couldn't access my monies. As per branch manager at XXXX XXXX in XXXX XXXX .va I have called and sent letters for them to track these monies I have over a XXXX dollars in settlement monies. Thru XXXX XXXX and XXXX XXXX  stolen lost and unaccounted for. I have had identity since XXXX & XXXX reported to all credit agencies and registered with the FTC. And confirmed in XX/XX/XXXX by the office of the comptroller for currencies USA Over 20 fraudulent credit requests from XXXX at XXXX XXXX XXXX XXXX XXXX claims fraud on a hard XXXX credit request in XXXX and a XXXX XXXX claim in XXXX with my name fraudulently involved by employee XXXX at XXXX XXXX in new York .the fraud prof goes on and on Also in approx XX/XX/XXXX there were settlement checks issued. To me under XXXX XXXX XXXX from their suntrust bank in XXXX va from XXXX XXXX XXXX XXXX XXXX in XXXX va for {$58000.00} approx And partial payment of approx {$3300.00} approx And {$76000.00} approx As per emails from XXXX XXXXat XXXX and XXXX the one was issued in XXXX and the others no record if issuing from suntrust with no record I have never cashed or deposited any of the checks Suntrust refuses to locate the settlement checks and certificates of deposits as per their XX/XX/XXXX & XXXX letters
Product: Debt collection

Receive information on my credit report pertaining to medical collections owed of {$220.00}. I'm not aware of going to an urgent nor did I got to a doctors office. 

Original creditor XXXX XXXX XXXX  Collections - FINANCIAL DATA SYSTEM