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

On XX/XX/2023 I went to the bank named Huntington located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States I usually deposit cash through their ATM to my bank account ( XXXX XXXX XXXX ) located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States. I used Huntingtons service as usual, inserted my card, entered my pin, placed the cash {$310.00} USA DOLLARSin the ATM, the cash {$310.00} got stuck and the ATM ate the cash and didnt gave it back. It was not deposited into my bank account either. 
I have done this type of transactions through their ( Huntington ) ATM XXXX times with no issues at all only that one time in XX/XX/2023 at XXXX. 

I called the number provided in the ATM XXXX to see if I could have solved the issue through them but they said they said they couldnt do anything because it was my bank. 
I also contacted my bank and also went in person with my bank to create a dispute because Huntington said I should do that but nothing has resolved. I went in person to talk to the Manager at the Huntington branch same location ATM was at but the manger said she couldnt do anything about it because their branch had nothing to do with the ATM even though its the banks ATM. Also she said even if she looked at the cameras she would not be able to give me my cash back because again, the Huntington ATM had nothing to do with the actual bank.

I have been waiting for my money for the past 6 months now.
Product: Credit reporting

XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  XXXX Balance : {$8500.00} ; XXXX  XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX PL XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account off My credit report
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear JPMorgan Chase Credit Card Department, I am writing to urgently address a problem I have encountered while attempting to update my mailing address for my credit card account. I was approved for a credit card and, due to my current travel schedule, it is crucial that my mailing address be updated immediately to ensure I receive important communications related to my account. 

Over the course of XXXX separate phone calls, I have attempted to update my mailing address, but each time I was transferred to the fraud department for security verification. I provided the correct information, including my personal details and phone number, but each time I was told that the system would not allow the change to proceed. 

Given the urgency of the situation, as I am currently traveling, I kindly request that you assist me in updating my mailing address as soon as possible. Missing important documents, such as statements, could cause significant issues for me. 

Please advise on how I can quickly resolve this issue, or if there are alternative methods or escalated options to ensure the mailing address is updated without further delays. I am happy to provide verification by sharing my ID and a selfie together via live video call, if needed, to confirm that I am the XXXX making this request. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX phone number to reach is ( XXXX ) XXXX If I do not respond, please reach me at my email address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get all three of my credit history from Equifax XXXX  XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Product: Mortgage

Bank of America refused XXXX mortgage payments from me & returned them all to my personal account stating the amounts were incorrect with no further explanation. They refuse to reaffirm my mortgage after Bankruptcy and I 've been making payments until I lost my job in XXXX 2015. I pay homeowners insurance and property taxes via escrow, yet I 'm being treated like a renter. I applied for modification during my job loss & have made several attempts to make payments. Bank of America took payments in XX/XX/XXXX & XX/XX/XXXX and has refused all others. I have been assigned to XXXX different account reps within a very short period of time & no one has any answers regarding my payments being rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is multifaceted. XXXX XXXX is a mobile tool company that visits auto shops to provide tools and payment processing for its customers. The rep. who handles my reoccurring payments quit abruptly and with no notice. As it turns out, payments I thought were reoccurring were actually manually processed by the rep. weekly. As a result, my payment was delayed by an excess of 30 days. 

I contacted XXXX as soon as I got the alert in my report and squared my bill, even paying it off early some months later. I have since requested the late payment reporting be removed based on the obvious communication breakdown due to events outside of the norm, and subsequent sound payment history. The initial XXXX  rep I spoke with refused outright and told me his word was law and there was nothing I could do and no one else I can speak with. The second rep I spoke with told me to dispute it through the credit bureau. Which I had already done. 

I called Transunion to get more information about the dispute and was simply told the account was updated. It took about a half hour of continuous grilling to figure out exactly what was updated, considering the late payment was still visible on the account. 

As it turns out, irrelevant details were amended, but the specific reason for my dispute was ignored. I asked the Transunion rep about this and was told the company didn't respond to the particular reason for my dispute and that I was free to file a second dispute. I pressed the Transunion rep to call XXXX while I waited on hold. Upon returning to the line, I was told that XXXX more or less wouldn't speak to the Transunion rep, and that I needed to file a dispute through XXXX to get the issue amended. When questioned on how an investigation can be completed if the accused party can simply refuse to speak to the investigative one, I wasn't given a sufficient answer. I called XXXX to file a dispute and was told by a rep the payment history was too old to be amended and that they wouldn't change it. 

My issue is against XXXX XXXX ' refusal to reasonably handle and investigate disputes concerning the accuracy of credit reporting, and Transunion 's negligence and spinelessness in conducting an investigation to a reasonable conclusion. This is not the way our system is suppose to work.
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 * Account number : XXXX Account name : XXXX XXXX XXXX * Account number : XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that there is a record of XXXX late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an online account with SQUARE to process credit card payments. On or around XX/XX/2020 I did a transaction for {$1000.00} and was told {$300.00} or 30 % of all new transactions would be held in a reserve for 90 days to keep for possible refunds. The 90 days ended today and they have now changed the reserve period to 120 days. Additionally I have had this account over 3 years and I have never had a return or any issues with payments processed on this site. A 30 % reserve for 120 days seems ridiculous. I have used credit card processing by my bank and did not encounter this type of issue. I am closing my account but looks like an additional 30 days before I can do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report
Product: Debt collection

On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX 75013 Subject : Credit Report Dispute XXXX XXXXXXXX Account [ Last Four Digits ] Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I noticed that my XXXX XXXX account ( [ last four digits : XXXX ] ) is reported with a 96 % credit usage and XXXX potentially negative months, despite the account being closed. 

This information is incorrect and negatively impacts my credit score. I am requesting an immediate investigation and correction of this error. Enclosed, I have provided supporting documents, including my latest statements and relevant records, to verify my claim. 

Please update my report to reflect the accurate status of this account. Under the Fair Credit Reporting Act ( FCRA ), I request a response within 30 days. If you require further information, feel free to contact me at the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.
Product: Credit reporting or other personal consumer reports

Months and Dates of Dispute letters are attached to this complaint. Have been trying over the years to remove inaccurate information from my report. Have also asked for a re-investigation for all of the disputes and still have not received the proper information
Product: Mortgage

I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I tried applying for a home through FHA and was denied. I requested to have my credit report pulled and noticed unauthorized inquires that were not made by me or from me. The inquires are as follows ... Inquiry : XXXX XXXX, XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX  ( Date of inquiryXX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry XXXX XX/XX/XXXX ) Inquiry : XXXX XXXX  ( Date of inquiry XXXX XX/XX/XXXX XXXX. I filed a dispute with Experian and was told to contact the creditor. The creditors wasnt any help so I reached out to Experian and was told to file a CFPB complaint and or a police report and a FTC report and send it in. It is XX/XX/XXXX and im still not satisfied with the results.
Product: Mortgage

SUMMARY : Post-COVID XXXX forbearance mortgage modification ignores FHA recovery options and replaces them with new mortgage at nearly double the rate on existing mortgage. DETAILS : 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 XXXXXX/XX/XXXX. When I was XXXX XXXX I continued making mortgage pmts with dwindling savings, through XX/XX/XXXX, but then heard about the XXXX mortgage forbearance. I sought and received a XXXX mortgage forbearance. The forbearance period ended in XX/XX/XXXX. The mortgage company sent me a mortgage mod to get my mortgage back on track. Because I was still without a job I was only able to make XXXX payment. I asked for assistance, submitted an application, and spent the next 7 months sending documents to replace docs they rejected. I received notice of pending foreclosure in XX/XX/XXXX. Around the same time my old employer contacted me with a job offer. When I heard that, I contacted the mortgage company, let them know about the job and ask about the foreclosure. The rep said to submit another assistance application which would put foreclosure on hold. I did that, submitted the assistance application & the docs requested, but they kept saying there were errors or I didn't send the right docs, so I re-sent the docs, but the same thing, etc. etc. for several months. On XX/XX/XXXX, I also sent an email with the docs explaining that since I was reemployed and was able to resume making payments I was requesting an option I qualified for, XXXX of the XXXX Recovery Loss Mitigation Options announced in XXXX XX/XX/XXXX Letter to Mortgagees. The FHA letter said that for homeowners who could resume making payments ( like me ), XXXX XXXX Recovery Standalone Partial Claim was available to pay all past due payments, fees and other arrearages in order to reinstate the original mortgage so that the homeowner could resume making payments on the original mortgage. I got no response from the mortgage company to that email. Finally on XX/XX/XXXX I received a letter from the mortgage company with a mortgage mod offer. Even though XXXX XX/XX/XXXX XXXX XXXX XXXX states that the Mortgagee MUST evaluate Owner-Occupant Borrowers impacted by XXXX for a XXXX Recovery Standalone Partial Claim, the companys offer ignored XXXX XXXX Recovery Loss Mitigation Options and instead wanted me to accept a modified mortgage ( FHA XXXX Modification and Partial Claim ) creating a new mortgage with a rate nearly double my XXXX percent current mortgage rate. Even though they used a partial claim to reduce the principal balance, the new payment would still be nearly {$500.00} a month higher than my current payment. CONCLUSION : This mortgage company, Mr. Cooper ( aka Nationstar Mortgage ) has a history of abusive practices. I believe they are doing the same thing, ignoring FHAs guidance to consider me for an FHA XXXX recovery option beneficial to me and for which I qualify, in favor of forcing a new current-market-rate mortgage on me and greatly increasing my mortgage payments.
Product: Student loan

I made a final lump sum payment of {$11000.00} to edfinancial on XX/XX/2022 to end my outstanding loans on file with them. Shortly later in the month XXXX XXXX announces the loan forgiveness program which I would like to take advantage of, however I would like a refund of the payments I just made. I was told it would take 150 days from XX/XX/XXXX in order to receive the money back which is absolutely absurd and not fair treatment I would like to have the refund in a respectable amount of time not in 150 days. On top of that I have been hearing conflicting reports from multiple employees they need more staffing to handle the influx of requests. 

EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. No confirmation of request for X amount. You need the balance reinstated and refund ASAP for forgiveness eligibility. fined for misleading consumers and their latest data breach too