23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.
Product: Debt collection

I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via PayPal. 
I provided Tracking # and proof of delivery to PayPal and PayPal decided the case in my favor ( seller ) On XXXX/XXXX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though PayPal decided in my favor. It was an expensive bike, nearly {$5000.00}.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Money transfer, virtual currency, or money service

Dear Consumer Protection Agency CFPB, I am filing this complaint regarding Robinhoods unjustified restriction of my account and withholding of funds. On XX/XX/year>, I linked my bank account through XXXX, Robinhoods third-party verification provider, and successfully completed all required checks, including identity and Social Security verification . After depositing XXXX USD into my account, my account was restricted on XX/XX/year> without explanation, preventing access to my funds. 

Despite my efforts to resolve this issue, Robinhood provides no direct communication channel for support. Their support chat is disabled, preventing me from requesting a callback, leaving email as the only option. I have reached out via email multiple times, but Robinhood has failed to respond or address my requests to resolve the matter. I kindly request your assistance in obtaining an explanation, a definitive timeline for the release of my funds, and any additional steps required to resolve this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I believe that somebody used my personal information and applied for this.
Product: Checking or savings account

I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at Huntington Bank, routing # XXXX. On Saturday, XX/XX/XXXX Huntington Bank, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at XXXX XXXX. Since then, Huntington Bank Fraud Department has been holding the funds. They want XXXX to request the funds to be sent back. However, XXXX states they can not recall or cancel the check since the funds have been sent to Huntington Bank. I spoke to the Huntington Bank Branch Manager, XXXX, who stated I had to get XXXX to get the funds returned. I called XXXXXXXX XXXX, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the 800 number for XXXX. I was instructed to go in person to the XXXX local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if Huntington Bank suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called Huntington Bank back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of Huntington Bank for over 3 weeks now and they refuse to return the funds while XXXXXXXX XXXX states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. {$1600.00} is not a lot to a bank but I'm now in a pinch for paying bills and will incur late fees if I don't get my money back soon. Thank you in advance for your help in resolving this matter.
Product: Debt collection

Since XXXX of 2022, I have been attempting to get this erroneous information deleted from my credit report with XXXX that is appearing TWICE. The amount is {$150.00}, and I have demanded verifications and investigations repeatedly, only to receive generic responses that this debt has been proven to belong to me. I have demanded information to include the original creditor, their name/address/phone number, the account number, and amount owed, the date it was transferred to them, a copy of the written agreement, and information ( name/address/phone ) of the person that verified this debt.
Product: Mortgage

Got a letter in 2017 from the mortgage company saying they deferred all past payments and start fresh. Husband got sick and didnt keep up payments. Now they are saying that the the deferred payments thing didnt go through.and to restate the loan we would have to pay XXXX! The company is nation star. And they only gave us two months to figure this out! We have lived here 20 years my husband has XXXX. Please help us
Product: Checking or savings account

My husband and I recently opened a savings account with Citi bank. We called when we received notice that they were sending us ATM cards. We did not want ATM cards issued on this account. When I tried to effect this change I was told I wasn't on the account. My husband and I completed the application online together. My name was on the application. We requested a copy of the application. We were told they didn't have it on file and couldn't provide it! In addition to being transferred numerous times, being on hold for over an hour and being disconnected twice we were concerned about the business integrity so we elected to close the account. We had over {$200000.00} in the account. We were then told we could only withdraw {$50000.00} a day. Then we were told {$2000.00} a day. Then we were told {$10000.00} a day. The amount continued to change with each representative we spoke with and the fee to withdraw was {$25.00} per transfer. None of these conditions were disclosed to us when we opened the account. Putting aside the fact customer service is beyond incompetent there has to be regulations that require a financial institution to retain records such as account applications and I find it hard to believe that they can retain our funds for extended periods of time and charge us unfair fees to return our savings.
Product: Consumer Loan

In XX/XX/XXXX we had a family emergency that resulted in a death in the family a few months later. In XX/XX/XXXX we missed a vehicle loan payment. From XXXX on we made full payments and were not aware of the missed XXXX payment. In the entire time we have been with PNC bank we have had little to no contact with the bank. When we lived in a state that had PNC we made monthly payments directly to the bank, and after we moved we were given a checkfree site to make payments that did not give any information about the loan. In our history that began in XXXX we have made full payments every month since the origin of the loan. On XX/XX/XXXX the vehicle was repossessed. After we talk to the bank trying to figure out what went wrong, we are informed about the XX/XX/XXXX payment and that our mailing address is not current. We changed our mailing address at that time. Upon learning of the repossession we immediately paid all the fees to make the account current. Mind you the repossession fees were more than the missing payment. It was never that we were avoiding the payment, it was that we were unaware that it had been missed. The bank informs us that letters were sent out to our old address and returned due to a bad address. Why would assume that there are issues if we have received letters from the bank in the past, at our current address, most recently XX/XX/XXXX offering other services, if there was a problem with our account. Our vehicle was repossessed over one payment from XXXX, we understand and would have gladly made things right had we known. This was n't an issue until now, and they claimed that they could n't reach us and did n't have our current address. A company was hired to locate the vehicle but no more effort was made to contact us, and the vehicle was repossessed. We were able to get the vehicle back that next day by making the missed payment, paying the associated fees to the bank and fees totaling {$520.00} to the various recovery/towing business. 
Since we have been in contact with PNC Bank trying to resolve the issue we have talked to a total of 5 different associates, seemingly having to start at the beginning with each of them. From what we are told our case has been elevated to the executive escalation department from the retail escalation department. But there is still no resolution being offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a wells fargo credit card with two promotions. A {$150.00} bonus after spending {$1000.00} in the first 3 months and a {$10.00} statement credit for using their mobile payment app with the card. 

I completed both and did not receive either bonus. When I contacted Wells Fargo about the matter they would not answer my question as to when the bonuses would be paid. 

I would like both promotions to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. Lesley Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs Chase Manhattan - inaccurate reporting due to intentional defamation/ no consent reporting.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND EMAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERLY IMPACTINY MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Debt collection

XXXX XXXX has reported a negative credit report after being informed that the attempt to collect the debt was fraudulent. 

( FCRA ) Sec. 807 ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

In early XXXX XXXX sent a letter claiming that I owe the original creditor. After requesting validation of the debt, AND verification that XXXX was collecting this debt on behalf of the original creditor, XXXX responded with my information showing that I did in fact have a balance with the original creditor. 

After receiving this, I then reached out to the original creditor on XX/XX/XXXX and they informed me that I no longer owed any money and my account had been closed. 

XXXX has attempted to mislead me into believing that the original creditor is collecting this debt when they are not. After confirming that I don't owe the original creditor I reached out to XXXX letting them know that because they have not provided me with any proof that the original creditor has authorized them to collect this debt on their behalf, nor have I ever agreed to pay any debts to XXXX, that I will not be paying any alleged debts to them. 

I expressed that because they can not provide me with proof that they have any rightful or legal proof that they have the authority to collect on behalf of the creditor ( as they claimed in the original letter sent ) they would be reporting fraudulent information on my credit report. 

To which XXXX collections proceeded to illegally report a negative report on my credit. 

XXXX has violated my rights as a consumer to have a fair and accurate credit report by disregarding the rules and regulations put in place by the FCRA meant to protect consumers from illegal practices such as these. 

Sec 807, ( 10 ) ( 8 ) ( 5 ) from the FCRA have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.I have been having a lot issue This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX 1997 XXXX CT, XXXX, OH XXXX My Full name is : XXXX XXXX XXXX XXXX Please delete any other variations from my file. 
My current and only address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove all other addresses : XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear Sir of Madam, On XX/XX/2023, we paid off our mortgage from Truist Bank, Loan Number XXXX. On XX/XX/2023, I called Truist bank, spoke with a XXXX to pay off any balance amount for getting a lien release. She told to download the payoff statement that showed a 'Total amount due to pay loan in full : {$200.00} ' with an interest of XXXX cents ( {$0.00} ) per day. Instead of taking the payment over the telephone, XXXX insisted on wiring the funds to them or pay by non-existing escrow account. According to the payoff letter/statement, there was an option to pay by mail. 

On XX/XX/2023, I mailed a check for {$200.00} along with payoff statement with 6 days of interest ( XXXX cents ) to allow for the mail delivery. On XX/XX/2023, I called Truist XXXX  and spoke with a XXXX who acknowledged receiving the check, but said that it was returned to me as they received it late ( Check was stamped on XX/XX/2023, after about 7 days ). He said that the payoff amount increased to {$740.00} without explaining how {$200.00} jumped to {$740.00} even though check was mailed on XX/XX/2023, with additional interest payment for 6 days till XX/XX/2023. When I explained to XXXX that I had no control on mail delivery and paid additional interest to cover the days, he did not have any answer and insisted on payment of {$740.00} and told to file a complaint ( XXXX XXXX. XXXX ). Reluctantly, I paid {$740.00} over the telephone, expecting that Truist would resolve the issue and refund us the extra payment of {$530.00}. 

Unfortunately, we did not receive any refund nor response nor follow-up as promised by a supervisor XXXX who XXXX had discussed with previously. 

On XX/XX/2023, I wrote a letter to Truist Bank regarding this error. Today, I received a letter from them stating that because the payoff was received on XX/XX/2023, the amount was changed to {$740.00}. There was no explanation regarding how XXXX cents per day interest would generate the difference of {$530.00} in one day. As you can see, we paid for additional 6 days of interest. 

We have reasons to believe that Truist Bank has overcharged us to enrich themselves and defrauded innocent consumers like us. 

Please take necessary steps to refund our money. 

Thanking you, Yours Sincerely, XXXX XXXX.
Product: Debt collection

I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me.
Product: Vehicle loan or lease

My loan was sold from XXXX XXXX XXXX and nowhere in my terms and conditions did it say anything about my loan being sold. I don't think I should have to pay the remaining balance of this loan.