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

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Product: Debt collection

In XX/XX/year> I received a letter from Aldridge Pite Haan , LLP stating they are a debt collector as well as a law firm. This was in regards to an alleged debt w/ XXXX XXXX XXXX  On their own letter to me they stated my ability to dispute the debt and the process. Which they state they MUST STOP COLLECTION on any amount until they send information that shows I owed the debt. I had util XX/XX/year> to respond. I sent a certified letter on XX/XX/year> which was received by Aldridge Pite Hann on XX/XX/year>. In my response letter I requested specific debt validation information in my dispute. According to the Fair Debt Collection Practices Act, 15 USC 1692g, Aldridge Pite Haan had 30 calendar days to provide the information I had requested. Again, during that time per their letter, in writing, they were to stop ALL collection processes. Not only did they NOT follow their own process, they did not respond until XX/XX/year>. Their response was not in the 30 day timeframe, their response did not include the requested information, AND they filed a lawsuit against me on XX/XX/year>. This directly contravenes their own written terms as well as is a clear violation of the FDCPA requirements. The lawsuit should have never been filed and the account should have been deleted and removed completely.
Product: Vehicle loan or lease

Dear Sir or Madam, Please help with the following matter : On XXXX XXXX XXXX around XXXX our vehicle was repossessed from our yard. When I contacted XXXX, they informed me that I was XXXX  days past due on my loan. When I informed them that I had in fact made every payment, XXXX insisted that no payments were made. I informed them that I had made the payments through the their website and that my bank statements had " XXXX XXXX XXXX XXXX XXXX, XXXX '' in the memo line and I gave them the dates from our statements which were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. All payments were XXXX and cleared our bank as a debit charge. They continued to insist that the payments were not made or received so I asked for a fax number to send in proof of payment. I sent the bank statements into XXXX different fax numbers and called multiple times speaking with a supervisor many of those times. The reps continued to say that they never received any faxes from me and that they would be auctioning off my car XXXX XXXX, XXXX if I did n't refinance through a different bank. I have made multiple attempts via fax and email to prove that my payments were not only made, but made on time. Since I have made every payment on my loan I do n't see why I have to refinance or pay any of the repossession fees. XXXX also failed to contact me to let me know they were not receiving my payments. My email address, phone numbers and place of employment have not changed. The reps I talked to said they called, emailed and mailed multiple notices and never received a response. I have checked my email, my phone records and I also never received anything from the mail. Because of the lack of communication I was unable to rectify the situation before the repossession of my only transportation. The reps at XXXX have repeatedly denied me the opportunity to continue my loan payments and have adversely impacted my credit bureau reports which may prevent me from obtaining a new car or home loan.
Product: Vehicle loan or lease

I didn't authorize this hard inquiries and didn't receive the service expected. This took place on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required Demand for Verification Process Details To whom it may concern, I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquiers in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Plese remove
Product: Money transfer, virtual currency, or money service

After I sent XXXX XXXX a letter complaining that their investor day was not open to all investors, my Cash App account was frozen and I have not been able to use since
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, Experian, and XXXX ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX, & XXXX has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
Thank you.
Product: Debt collection

This company needs to stop harassment immediately. They should stop making false claims. They need to seize all contact. They need to stop stalking me.
Product: Checking or savings account

I get a monthly XXXX XXXX XXXX check direct deposited into my wells fargo account from XXXX XXXX. I had already received one for may and XXXX. Well XX/XX/XXXX it went to wrong account. XXXX said i changed it online but when EFT was set up i submitted a form. I have a copy but they will not provide me anything with my signature changing it to an account number thati was not mine. I dont kniw it. Now XXXX sees the mistake but neither will correct it. {$640000.00} went into an account and they see it was withdrawn. I have received XXXX but I can not get XXXX because neither will do whats needed. So a electronic check with my name but not my account number. Wells fargo will not correct. I keep calling and getting transfered andexcuses. Obvious mistake but unwilling to correct. Help!
Product: Credit reporting or other personal consumer reports

I want to make it abundantly clear that I have no knowledge of this account, nor do I have any relationship with the creditor listed. This account is entirely unfamiliar to me, and there is no legitimate reason for it to appear on my credit report. It is clear that this entry is the result of a mix-up or an error that has caused my credit information to be confused with someone elses.
Product: Credit card or prepaid card

This card reported late payment on my account on XXXX XXXX 
I was locked out of my account and I was unable to make payment online took multiple trys to get some one on the phone. Per customer service not enough staff due to Covid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO XXXX XXXX.
Product: Debt collection

This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on Equifax and 1 inquiry on XXXX  that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 EQUIFAX XXXX XXXX on XX/XX/20 XXXX
Product: Credit card

I received a bill in the mail from The Home Depot/Citi at the end of XXXX or beginning of XXXX. I didn't open an account with them. Someone opened this account fraudulently and charged {$3700.00} worth of flooring in my name. Since then I've spoken to their fraud department trying to prove that I didn't make this purchase. I've sent copy of my driver 's license, a police report and an Identitytheft.gov report detailing this fraud. It seems to be falling on deaf ears! I will be calling again today to find out how the investigation is going. They now have reported my account as being delinquent on my credit report even though there is an open fraud investigation and my local police are also investigating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Product: Checking or savings account

This occured on XX/XX/2020 in the amount of {$180.00}, I had sent a payment via XXXX  and it went to an inactive hacked account. As soon as I realized the issue I called my bank immediately since the funds were still on hold on XXXX  and hadn't been accepted so there was still time to do a chargeback. But I was told by my bank I would just have to wait until it falls of XXXX and return to my account. I was very frustrated not knowing who to seek because it is hard to get in contact with a XXXX   rep, I finally got in contact with XXXX  and all they told me was they can't access any of their accounts and reverse any transactions. Well today XX/XX/2020 whom ever had access to that account realized there was money pending, denied my refund and took the money that didn't belong to them! Nobody did anything but tell me there was nothing they could do!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Product: Money transfer, virtual currency, or money service

I have a bank account with BB & T that I had forgotten about. The account went dormant because it was inactive for one year. I ended moving to a part of the country that does not have any BB & T branches. When I discussed the issue with a customer service representative I was told to write a letter authorizing a friend or relative to go to the branch where the account was created to collect a new debit card and that the dormant status would be removed. I followed their instructions. After my relative took the letter to the branch the staff claimed that the information I had been given was wrong and that I would need to write another letter, have it notarized and send it to the same branch I mentioned before. I write the letter, have it notarized, and send it to the branch. I check the status of the letter on the USPS website and it says it has arrived. A few days pass and I have not heard anything from the BB & T Branch. I call them and a staff member claims that they haven't received the letter. At this moment it becomes obvious that no one at this branch has checked the mail. When I call him out on this he checks the mail and confirms that the letter has arrived and claims that it is being passed along to someone who can verify it. A different staff member calls me asking me for a picture of my drivers license and I immediately email her a picture of it. A week passes and the status of my dormant account has not changed. I call the branch and they claim that the letter and photo of my ID are still being verified. Another week passes. I call them again and they give me the same story. Several weeks later, account still hasn't been reactivated. I have spent around {$50.00} to have two letters notarized and shipped across the country and have not gotten any results. BB & T is by far the worst bank I have ever dealt with. This experience has shown me that the company is full of XXXX employees who don't care about customer service. It seems like they think they can get away with not doing anything and that customers will just give up and stop contacting them. At some point in the near future, I will have to travel cross country to get this matter resolved. This is beyond ridiculous considering it is 2018 and this problem couldn't be resolved online or over the phone.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX this year, I received an email that Im no longer use Paypal. I ask them whats the main reason why i cant use my account then I sent an email and called the customer service but no Response about my problem. 

I already submitted my personal information such as documents, bank accounts, etc. but still they always asking multiple times. 

I am so worried about this because I am in XXXX right now because of work and business related stuff. 
I always access my Paypal account through my phone and laptop. 
I am so stressed about what happened to may account.

As Freelance and business owner we use Paypal for payment transaction because its convenient for our client outside the country. 
We withdraw then pay our Artist daily per client and now having problem with paypal because of limitations, our salary was Onhold. 
I hope we can fix this problem. So much Pending Clients are still looking for our services right now, I hope it will fix so I can pay my artist for their hard work. 

Please help me resolve this problem. 

Thank you, Best regards XXXX XXXX
Product: Checking or savings account

I'm filing this complaint as my case with CitiBank wasn't handled correctly. My son was a victim of identity theft, in which CitiBank confirmed this. Please see the attachments. They withdrew {$1500.00} from his account in which I was joint owner on the account as well as did a {$4700.00} wire transfer. CitiBank responded and stated that he was scammed and unfortunately there's nothing they could do. Well my attorney gave me this literature and told me to try to get this corrected before filing a lawsuit against CitiBank. 

Please look below, because according to CFPB 1005.6 Liability of consumer for unauthorized transfers. this is covered and we should only be liable for {$50.00} ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. 

( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions.

2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in.

( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.

I called you guys immediately when we noticed the account was negative and the next day I went into a branch and sat for 2 hours.
Product: Mortgage

I am senior citizen who is XXXX years old.Due to unforeseen family hardship In XXXX, I had to take out a loan on my home. I was force to file bankruptcy XXXX. The bankruptcy cover the past interest and the late payments that was accumulated, which would give me a fresh start with my mortgage payments. Unfortunately the bankruptcy would not assume the full amount of my home loan, only the past interest and late payments would be considered. After my mortgage was sold three times.The mortgage company that assumed my loan was Fay Servicing. With Fay servicing my payments were {$410.00}. I paid my monthly payments on time and some times would pay more.I noticed that my payment were starting the increase and I would have to pay more. For the month of XX/XX/XXXX I would have to pay {$1400.00}. Unfortunately my social security wouldn't cover the month of XX/XX/XXXX payment. With COVID 19 hitting things became very tight but I continued to make my payments on time. When I called Fay Services they refused to give me any information regarding my loan. They stated they need a form from the lawyer that file the bankruptcy. The release form was sent to Fay Services early this year. The company claim they never received it. I also have a copy of the form showing proof the lawyer sent paperwork. This company need to be stop and there taking advantage of many senior citizens.
Product: Credit reporting or other personal consumer reports

Debt was discharges which makes it a security of indebtedness. Security of indebtedness are considered income according to the IRS which makes it eligible for removal from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the XXXX XXXX , Experian, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.
Product: Debt collection

O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago. 

It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CARD These was not done nor was it approved by me please have them deleted off of my credit report