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

on of Complaint : My account was hacked and I had a large amount of transactions transfered out of my account via zelle fraudulently, I waited hours multiple different phone calls with Huntington to figure out what's going on file a dispute etc. Was told I'd get my money back within ten days, six or seven days go by, I get a letter in the mail. They are claiming these transactions were sent from my IP address, so therefore they are not fraud. And their logic to just assume because my IP address was used ( which they have given no proof of ) that they will just ignore my case and say it's not fraud is unlogical and criminal. DO NOT BANK HERE, the support is disrespectful you will wair hours on hold every time u try to contact them, and they will not protect your money from fraud. Huntington has allowed, over XXXX $ to be stolen from me. And I they are leaving me zero options besides, have my lawyer file the papers and pursue this legally. 

If requested I can get the dates and ammount of each transactio, the bank already has this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Debt collection

An overdraft fee that was " not to increase '' did in fact increase. I attempted to put a hold or freeze on my account and they would not comply. They continued to multiple the overdraft to the power of  XXXX .
Product: Debt collection

Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX XXXX and XXXX   are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Bank account or service

I opened up a bank account under an offer for a {$350.00} opening bonus but have not received the bonus despite multiple phone calls with the bank. I met all the requirement : I opened it online ( " You can open online '' per their website copy ) within the relevant time period, met the minimum balance requirements, and completed 5 bill payments by XXXX/XXXX/16. I was supposed to receive the {$350.00} bonus by XXXX/XXXX/2016, but still have not as of today, despite multiple phone calls and promises to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

i recived a letter in the mail that someone has attempted to open up an XXXX in my madien name. i pulled a credit report andi had a few hard inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting accounts as included in Bankruptcy that are more that 10 years old. In addition, they are reporting accounts in the Public Records sections that are showing a included in bankruptcy when they are not. They are also showing accounts that they say were verified with agencies that I no longer have an account and and have not had an account since XXXX, as they were refinanced in XXXX and paid in full. 

Court Name XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX   Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit card or prepaid card

I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # # # # # # XXXX has violated my rights. 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Impending Litigation Failure to Correct Inaccurate Credit Reporting Dear Experian Dispute Department, Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Consumer Data Industry Association ( CDIA ) guidelines, I am formally notifying you of your failure to accurately investigate and correct the following disputed accounts on my consumer credit report : Accounts in Dispute : XXXX  XXXX Auto Finance Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXXXXXX XXXX XXXX  Despite my previous dispute ( XXXX ), Experian has continued to report inaccurate, incomplete, and unverifiable information regarding these accounts even after receiving an email from Experian on XXXX and XXXX stating that the accounts in question were blocked, causing financial and reputational harm. This failure violates my rights under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information within the legally mandated 30-day timeframe.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit report.

15 U.S.C. 1681n & 1681o Liability for willful and negligent noncompliance, entitling me to actual damages, statutory damages, attorneys fees, and costs.

Additionally, your failure to follow the Metro 2 format and guidelines established by the CDIA further contributes to your ongoing violations.

This letter serves as my final notice before legal action. If you do not fully remove these accounts within 10 days of receipt of this letter, I will pursue all available legal remedies, including but not limited to : Filing a lawsuit for FCRA violations, Seeking damages for negligent and willful noncompliance, Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

Please send a written response confirming compliance within the specified time frame. Failure to do so will leave me no choice but to escalate this matter legally. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

the loan was paid off in XXXX and they just took {$1500.00} from my bank acct and the loan was paid the need to be
Product: Debt collection

I left USA to take care of my sick family member in XX/XX/XXXX. I left money in my bank account for my past depts monthly payments. I came to USA for only 6 months to settle my student loan payments in XX/XX/XXXX. During this time I stayed 3 months in a hotel, 2 months in a friends apartment, 1 month an other friends ' apartment in a different city. I found out when I was not in the US my SSN had been used by someone and I reported to FTC and had Identity Theft case number available if needed. 
Soon after reporting, I left USA again in XXXX XXXX for 4 and a half years, returned in XX/XX/XXXX. XXXX. After a short time coming back I started to receive haresing phone calls, treathful words via phone from all around the country. I explained in each calls I was not in the country, the dates they were telling me that I was not in the US. 3 of 4 different companies stopped calling me but one escalated their temper toward me.They claim that, I had lived in a place and did not pay rent which was not possible a person in a 2-3 different address in a same time period. Now days, I am receiving not only haresing calls also bills mail to me. They even told me coming to my address and put me in jail in front of my children. This is too much for me to handle by kindness and smooth attitude. I can prove with my passport that I was not in the US. 
Someone did empty my bank account used my SSN, put me in a place to deal these terrible collection companies. Also there are 5 other phone numbers under my name that I did not use, and addresses I did not live in my credit report ... .It is frustrating. The bills does not even explain what is the dept for. It has been too long and apparently will not end without a legal action. Please help. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative at XXXX to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

XX/XX/XXXX XXXX XXXX SER 12 READS WAY XXXX XXXX, DEXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I dont have any medical debt or collections and I dont know who these ppl are and information should not be on my credit report I believe this is fraud and would like this issue fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account XXXX XXXX XXXX was properly investigated but they continue to report inaccurate information. The following errors were identified : The balance of the account is incorrect The account status is incorrect Last Reporting date is incorrect 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt or credit management

I recently reviewed my credit report and noticed multiple open accounts from SELFXXXX ( XXXX XXXX XXXX  ) that I did not authorize. I am concerned about the accuracy of this information and the potential impact on my credit score. I request an immediate investigation into these accounts and a written explanation of their origin.
Product: Student loan

I graduated from  XXXX   College in   XXXX    XXXX  . Soon after graduation  XXXX   XXXX   (  now Navient  )  said that I needed to pay   XXXX   XXXX   /  month. I  told them that was impossible and I needed a lower payment. They said I took out a lot of money and there was nothing they could do so I did n't pay anything. I contacted a load consolidation company and as soon as they tried to start helping me  XXXX   XXXX  contacted me, after killing my credit and said they had found a new option for me. They lowered my payment to around  $ 350/ month an d said it was an income based program. That did n't even cover the interest payment each month so my amount due never decreased but continued to increase. About a year later my payment jumped back to aroun d $ 750/month. I  called again and said I ca n't afford that. They then set me up for paying interest only payments, which was then   XXXX   XXXX   /mon  th. I  struggled but I paid that for about 2 years after that it now jumped back t o   XXXX   XXXX  /  month. I  said I still ca n't afford that and they told me my only option I have left was to extend my loan for another 25 years because I had exhausted all of my other options.   They are so unfair and unrealistic. My total amount due has barely budged since I graduated. I borrowed a total of {$72000.00} and to date I still owe them  XXXX . They are robbing all of us and something NEEDS TO BE DONE!!!!
Product: Debt collection

After sending a " request for validation '' letter to Automated Collection Services Inc. 
XXXX XXXX XXXX. XXXX, TN XXXX in XXXX of 2019, I received back a letter from XXXX XXXX XXXX that have 3 separate letters with 3 separate accounts attached that I received back on XX/XX/2019. Also along with the letters are attached copies of my medical records. However, none of the letters have any form of my signature that is required to " validate '' the requested debt. 
Furthermore, according to the FCRA ( Fair Credit Reporting Act ) Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the originally signed consumer contract-any and all accounts for your credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Unless receiving a signed document with my signature, this company is currently in violation of my HIPPA rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}