23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from  Huntington National  bank indicating that I needed to make updates to my insurance policy to reflect my address as :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX . Mind you, the letter was sent to the correct address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     XXXX  MI  XXXX . There are no condo 's with the number  XXXX  in my development, I LIVE IN  XXXX   XXXX . Huntington confirms this is the address on my loan, and their insurance department states this is not the address they have and tells me I have to speak with the Mortgage Department. I have tried calling twice to resolve this.   The first call, I called the insurance department, who stated I had to talk to the mortgage department. The mortgage department told me I had to speak with the insurance department. I could n't wait for the insurance department and had to end the call ( I was on the call alre ady ~30 minutes ).    The second call, I called the mortgage Department, they said I had to speak with the insurance department. I held for quite a long time. After getting to the insurance department, they said again, that I needed to speak with the mortgage department.   The property address for my mortgage is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX  I am not calling my insurance carrier to have them update my policy to include  XXXX  as my unit as that is not my address. Something is clearly wrong here.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, XXXX Online website and their affiliate Credit Karma is still illegally reporting that my XXXX XXXX account is a Closed Account! XXXX is deliberately attempting to sabotage my credit worthiness due to a redeemed repossession which took place back in XX/XX/2023. This repossession was redeemed within 24 hours however XXXX, now the ONLY credit bureau is still illegally reporting both ONLINE and with its affiliate XXXX XXXX that the account is closed which is negatively affecting my credit score. I have made at least 7 phone calls to their representatives since XX/XX/2023 who are obviously not based in the United States demanding an accurate reporting of the ACCOUNT STATUS however my dispute requests over the phone are not being honored because I am still technically being prevented from issuing a dispute online for an account being illegally listed as closed account. Their representatives KEEP telling me that my actual report status states the account is open from their view ; However the actual online account details both on the XXXX website and with their affiliate Credit Karma CONTINUES to show the account is closed which is a clear contradiction to the facts about this XXXX XXXX Account. XXXX XXXX has sent information directly to all bureaus stating this account was redeemed in XX/XX/2023 and the account status should report as OPEN. All other bureaus, XXXX and XXXX have since updated their credit reporting to reflect these details both online and on my credit report that was mailed to me. However XXXX insists on avoiding multiple request by both me and XXXXXXXX XXXXXXXX to update this account across all channels!!
Product: Debt collection

repeted phone calls 5 -10 times a day. block number so they call from different number.
Product: Checking or savings account

Fraud I tried to place an order for what I thought was a shed through the website XXXX XXXX XXXX Within moments I received an email from Klarna for an order that did not have to do with that website or item I ordered but through a company called XXXX XXXX. 

XXXX XXXX XXXX Photo shows what I thought I ordered, and photo number 1 is what put through klarna and on my card because it was a fraudulent website. 

I immediately called Klarna who said to process claim through my bank, which I did do. 

Klarna then turned my one charge into a recurring charge which I did not authorize. I proceeded to call Klarna again. They stated my bank did a chargeback for the original order and that is why they charged me again. I called my bank and they had no idea what Klarna was calling about. 

I filed a fraudulent claim with claim with Klarna and they declined it and said it was all authorized and then proceeded to charge me a third time and once again stated my bank did a second charge back which they did not do. 

I filed another claim with Klarna and my bank and canceled my card. I even had XXXX call 3 way into klarna with me stating that i ordered nothing from and I took a picture of XXXX  website because they do not accept Klarna as a payment option. Klarna declined me again saying I owed the money. 

Then klarna tried to give me XXXX XXXXracking information. The XXXX XXXXracking information does not give a full address and the picture of the home that it was delivered to is not my home. I have attached their picture and photo of my house from XXXX XXXX. As you can see from the picture there is some weird almost closet looking doors in the top left corner of the photo but my house in photo does not have that and i do not own a XXXX vehicle as shown in photo. There are many other differences in the photos I can point out but shouldn't need to. 

The phone call all alone to XXXX  should have been enough to show fraud but Klarna will still not help me. They would be willing to talk to anyone at truist if needed as well. The owner of the company is XXXX and the manager is XXXX. They have been more than helpful even when Klarna has not been. They said I am not the only one they have received a call from about another website using them for fraud. 

Instead of going after XXXX XXXX. Klarna should be going after this XXXX  XXXX but they will not listen. 

Klarna is breaking consumer laws by stating truist has completed 2 chargebacks with they have not. 

All photos are here as proof as what Im speaking of. My bank states they have not see this level of fraudulent activity in a while and Klarna should be more helpful in this situation.
Product: Debt collection

I have health insurance and claim was supposed to.be sent back to.the hospital to.submit because it was not submitted in time hospital was not legally allowed to.charge me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX XXXX XXXX -Balance {$100000.00} XXXX XXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXX XXXX XXXX -Balance {$13000.00} Unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For Experian the following inquires I did not authorize, give consent, nor do they benefit me. Please have them block and removed. : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Student loan

Aidvantage is acting in non-complaince with the CARES act and exercising willful negligence.. I am having issues communicating with Aidvantage. I called multiple times during different times of day to both the general customer service number, XXXX, and the XXXX XXXX number, XXXX. Both times I was put on an automated hold and waited for 5-15 minutes before I was hung up on and an automated service told me to leave a name, number, and the name of the specialist I was looking to speak to. This is obviously being done intentionally to stall out this process longer. I submitted my refund request in XXXX, XXXX weeks ago, and I am looking for answers. I do not have a refund, and my loan balances on my Aidvantage and XXXX home pages have still not even updated. I have a letter stating that my refund was submitted by Aidvantage on XX/XX/XXXX so why hasn't there been an update? I want Aidvantage to update my loan balance to reflect my amount being refunded, {$18000.00} within the next 15 days. I want Aidvantage to confirm that my request was fully processed and submitted to the XXXX, as well as the date it was submitted to the XXXX. I want Aidvantage to escalate and expedite my case in order for the XXXX Treasury to deposit my refund ( {$18000.00} ) no later than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are to remove all personal information that is incorrect, formerly known as names except XXXX XXXX XXXX XXXX, employers, social security # information due to privacy concerns and my right to individual privacy and the privacy act of 1974 along with 15 USC 1692 of FDCPA, all addresses are to be removed except for address of XXXX XXXX XXXX XXXX XXXX Michigan XXXX you are to delete date of birth due to privacy issues immediately. You are required to remove any medical information by XXXX XXXX XXXX XXXXXXXX XXXX XXXX due to being sold to 3rd party and sharing my private medical information without my consent which you know the law passed this year requires you to not furnish medical information on a consumer. Lastly i need the consent form from you that shows i consented to have my private information given to a third party to be resold for advertising purposes between you and XXXX XXXX XXXX. If you can not produce such consent form that is required by you then you must remove said item from credit report and under State law the statute of limitation has expired on such alleged debt and i am demanding you remove said collection from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section.

Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. 
Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section.

Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from Trans Union XXXX and XXXX
Product: Vehicle loan or lease

I purchased the lease buyout of my vehicle from Acura on XX/XX/XXXX and requested an expedited title release. Acura requested proof of funds transfer to expedite the title release ( delivery within 3-5 business days ). The proof of funds was emailed to Acura financial services on XX/XX/XXXX and the representative stated I would have the title within the week. 

Below are the follow-up times I have called Acura and requested a status and a call back from a supervisor and my requests have been ignored. 

XX/XX/XXXX ( requested title to be fedexed ) XX/XX/XXXX ( requested title to be fedexed and supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX representatives confirmed the supervisor has not acted upon the case ( requested immediate supervisor call back ) Despite the repeated calls, no supervisor or title department has taken any action to process my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Company : WELLS FARGO DEALER SERVICES XXXX : XX/XX/2022 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Checking or savings account

I was a victim of fraud and I filed claims as I was instructed to do so. I was also told to open another account, transfer my funds over, and order a debit card so I would have access to my money while I wait for the claims to be investigated which I have. Turns out I was given the wrong information. All of my accounts are in the process of being closed out and I have no access to any of my funds. I recently lost my job so I am currently not working. I have called my bank everyday for the last 3 weeks and explained to them that this is a hardship on me. All of my bills are behind, lates fees, are accumulating, and I have no means to provide for myself or my family. I have asked that the claims be expedited more than 10 times now and nothing has been done. Nobody has offered me any kind of assistance. All I have been told is to wait 60 days for the claim to be completed even after I have explained to them I can not realistically wait that long. I have called the bank on an everyday basis because I have no other way to get updates on my claims unless I call. I have spoke with XXXX ( Texas ) several times about my account and asked to speak to a manager. XXXX has been really disrespectful and given me a hard time with my request. I have asked for her name and information, to which she lied and said she was located in California. I spoke with XXXX manager as well in XXXX XXXX XXXX XXXX ( Texas ). 

I have asked to have access to some of my funds so I can continue to pay bills and survive while the bank is working on the claims. I am a victim of fraud but being treated as if Im a XXXX. I need some type of assistance. I have expedited these claims several times but keep being told to wait. Im not sure if its because of XXXX  but I have not felt like they care about me or my wellbeing and I have been banking with them since 2013. 

I recently contacted the bank and was told my claim had been denied due to the person having my bank card and using my pin. I have asked that the bank reevaluate this decision as there are cameras at the ATM and at the banking facility in XXXX where the money was withdrawn from a teller. I have also provided documentation of my XXXX recording someone sticking there hands in my gate and taking my bank card that was ordered. I was awarded the {$1000.00} they took from the ATM but my claims for the check fraud was denied which is confusing. The person who took the money out the ATM was the same person who went into the banking facility and withdrew {$2200.00} in one transaction and {$2300.00} in another transaction right after. So how could you only rule in my favor for the ATM withdraw and not the Teller withdraw that I did not do or authorized. I have asked the bank to reconsider there decision on several occasions and the results have not changed. I have provided all the documentation I can possibly give to prove my innocence. The bank has even taken my money out my savings account to cover the negative balance that I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 When going through the XXXX website to the Equifax website, Equifax asks questions where all the answers are " None of the above '' and then notifies me " Based on the information provided, we are unable to verify your identity. '' This happened to me and my wife every time we tried the site ( Twice for me, once for my wife. ) I called Equifax. After a long hold, I was able to talk to a human who was no help and did not seem to care. I asked to speak to her supervisor. After another hold, I told the gentleman that I wanted to inform them that their website had problems. I was not mean or harsh at all. The call went to a recording in XXXX and started asking me to go through a phone menu again. 

Obviously, the Equifax website can not verify who we are when it does not ask any relevant question whatsoever. Seems like they do not want to allow credit reports. Either that or they have a lot of wrong information that they will not let me see. 

By the way, XXXX and XXXX sites seemed to work fine and provided the credit reports which appeared correct.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of three data breaches and identity theft and credit card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Product: Mortgage

My Mortgage discharged in bankruptcy in NY and after that was discharged BSI Financial obtained the mortgage from XXXX and then began attempting to collect on the mortgage from me. I went through a Deed in Lieu with BSI so it they could register the deed in XXXX NY, which they did in XX/XX/2016. BSI is falsely reporting the mortgage as defaulted with a balance due in my name to the credit agencies. I have contacted them numerous times to have this reporting corrected, however they still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX XXXX Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an e-oscar report, if XXXX, XXXX XXXX Transunion does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : Transunion commission file number 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 XXXXXXXX firms to audit consumer account XXXX XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates ofXX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Product: Money transfer, virtual currency, or money service

This is with Venmo. I have {$2500.00} in my account. They flagged activity as suspicious or against their standards. They wont tell you what it is. I got a large deposit from my sons college for a refund for his college tuition I Pay. Thats all I can think of. Theyre holding the {$2500.00} for 180 days! The last email was they wont talk to me anymore. I want my money! They closed my Venmo account. After this I dont care since I would never ever use Venmo again. I just want the money in the account that is mine!
Product: Credit reporting or other personal consumer reports

I received an alert from my monthly credit reporting from XXXX for late payment for my vehicle loan despite my payments being made by the due date however it posted days later once the monies were received. I have no control over how the banks transfer monies and when the accounts are updated. 

This caused a XXXX point drop with my XXXX XXXX from XXXX, a XXXX point drop in my score with TransUnion, and a XXXX point drop in my score from XXXX. 

XXXX, and TransUnion have my account as 30 days past due and XXXX has me at 60 days past due which my account is not. 

My credit scores were XXXX with TransUnion, XXXX XXXX, XXXX XXXX, before the erroneous reporting. Under 15 U.S.C. 1681 which allows remedies for reporting erroneous information.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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