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

I have a custodial account for my daughter with Huntington bank. I recently received a statement in the mail saying that they escheated all {$570.00} out of her account for lack of activity. 

I called the bank telling them that they could not escheate the money out of her account because they had not provided prior notice and they returned the money to the account. 

It is absolutely unacceptable for a bank to steal the money from a childs account without going to proper notification procedures to ensure that that money should not be escheated. 

I believe their policies around their escheatment practices need to be reviewed by the FDIC to ensure proper handling as this appears to be, if not deceptive, then certainly an abusive act/practice and under UDAAP laws they should be assessed To ensure they are not causing harm to other consumers. I will be filing the same complaint with the FDIC.
Product: Credit reporting or other personal consumer reports

My credit score just dropped XXXX points wow I said thats a lot the unpaid merchandise was only for XXXX dollars. I want to know why it was so many points that put my credit score so low. This is my complaint.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns with the use of Zelle. I an concerned with how they handle disputes more specifically after the recent CFPB lawsuit. My financial institution and Zelle have failed to investigate my claims adequately. I was told lost funds could not be retrieved or tracked down. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently allowing companies to show on my credit report negatively. In addition there is a credit freeze that Im unable to lift through their website. This catastrophic issue caused me to disqualify for a home this summer. Now Im facing a rent increase that will bankrupt me.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

To Whom it may concern, I was recently made aware of an error after reviewing my consumer report, MILITARY STAR CARD is in violation of 15 U.S. Code 6802 ( b ) ( B ). 
I the consumer XXXX XXXX was not given the opportunity to OPT out of my personal non public information being to disclosed to third parties. 

15 USC 6809 ( 4 ) defines nonpublic personal information as The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 

my payment history with MILITARY STAR CARD is a transaction which makes this a clear violation of the law. 

Please produce verifiable proof with documents and dates proving i was given the opportunity to opt out or update my payment history on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from late to current on the consumer account XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I have been a Chase Bank customer for over XXXX ( XXXX ) years. This past weekend ( XX/XX/2023 ), Chase bank wrote me telling me that they were closing my family accounts with Chase bank. The main account is where my wife 's salary and my salary are directly deposited every two weeks. From this account we do send money to our children at their various colleges. I opened my children 's accounts before my children ( XXXX XXXX XXXX left for colleges ; one at XXXX and the other at XXXX XXXX. Chase gave me up till XX/XX/2023 to close these accounts without any reason. These children are in school and not around to open another account. I have called Chase to express the hardship this action will create on my family. My wife works with XXXX XXXX XXXX XXXX and XXXX XXXX, and I work with XXXX XXXX XXXX  XXXX and XXXX XXXX  These are the sources money goes into the account.
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Product: Debt collection

I was sent a letter by XXXX XXXX XXXX XXXX XXXX the number given is XXXX XXXX XXXX and gave a XXXX XXXX XXXX XXXX  permit # XXXX. Is this a scam or a legitimate company?
Product: Debt collection

I have contacted XXXX XXXX by phone several times and they will not speak to you. I have sent 2 certified letters to XXXX and they will not respond or provide proof. they have now assigned the account to XXXX different collection agencies. Each agency finds the debt is NOT mine and returns to XXXX. 
XXXX claims I owe XXXX {$1000.00}. They placed on my credit report on XX/XX/XXXX. They, XXXX, or there debt collecting representitives can not and will not provide me with proof of debt owed. 
Amazingly enough, I have been on contract with XXXX since XX/XX/XXXX and currently still am. XXXX or any other company would not enter into another contract If you owe money to them. The XXXX credit agencies keep removing XXXX from my credit report and XXXX keeps putting it back on. This has been going on for about 9 months. This must stop. Provide proof or remove from credit and keep it off
Product: Credit reporting, credit repair services, or other personal consumer reports

Look guys this is ridiculous but I have accounts that are not mine, what shall I do? This fake is damaging my credit score! I field identity theft report, because probably somebody used my personal details otherwise I can no understand what happened ... Could you please give me a feedback and investigate these accounts??? I truly worry about my situation now ... I did not want this to happened therefore please after you check, delete these accounts as soon as possible!!!
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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Please see all of the documentation attached. The original creditor is XXXX XXXXXXXX, the collection agency is LVNV Funding C/O Resurgent Capital Services. 

I was a victim of identity theft and I have been dealing with this matter since XXXX of XXXX. I filed a police report as requested by XXXX XXXX since the debt did not belong to me. The police report is attached. 

I went through the entire verification process and XXXX XXXX sent me a letter stating : " Thank you for contacting XXXX XXXX XXXX On XX/XX/XXXX, we received your police report. Based on the information received, we are holding you not responsible for the current balance on the above-referenced account. We have submitted a request to remove this tradeline from the consumer reporting agencies. Please allow the agencies approximately 60 days to update their records. lf you have additional questions, please call our Fraud lnvestigations Department at XXXX between XXXX XXXX. and XXXXXXXX XXXX, Monday through Friday ( Pacific Time ). '' PLEASE SEE ATTACHMENT NO. 4 According to my credit profile, LVNV was deleted from my credit profile on XXXX XXXX, XXXX. They are the collection company who purchased the debt from XXXX XXXX where I was a victim of identity theft. This account was added back to my credit profile on XX/XX/XXXX, and it decreased my credit store significantly. 

I have made several attempts and asked all three bureaus along with LVNV to remove this from my credit profile and also sending relevant documentst that this does not belong to me and they have refused to remove it from my credit profile. The reinserting a debt that had been previously verified as not belonging to me and deleted violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX of 2024 I went XXXX XXXX for the possibility of implants. The lending partner, XXXX XXXX, is in same XXXX XXXX XXXX dental. XXXX in the same it appears. Proceed XXXX XXXX, XXXX XXXX XXXX, presented a treatment plan for $ XXXX. I asked for an itemized invoice XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Was denied an invoice. At the time, I was covered by XXXX XXXX. I spoke with XXXX at XXXX XXXX. Same XXXX XXXX XXXX to send an XXXX of Benifits to XXXX XXXX and was told she was waiting on a reply from insurance. Did a XXXX call with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX told them to send the EOB. Which to this day has never been done. XXXX XXXX harasses me everyday for $ XXXX with a call or email this entire time as of today. 
$ XXXX was taken out in my name thru Proceed Finance with XXXX XXXX Bank on XX/XX/XXXX & another $ XXXX was taken out in my name thru XXXX XXXX with Customers bank on XX/XX/XXXX for an additional $ XXXX. I did not receive these funds nor did I see an invoice nor have XXXX work for $ XXXX or $ XXXX. 
This is hitting my credit. This is an egregious financial error and abuse of power by XXXX XXXX out of the XXXX, Texas exactly where XXXX XXXX is located. 
They refuse to do any work on me because of my continuous questioning of needing an invoice to bill off of & not bill from a treatment plan. The loan amount has changed XXXX to date. The latest is {$35000.00}. 

Please help with this grave injustice. I am XXXX XXXX XXXX and this beyond my ability. 

Thank you so much, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to credit karma i9 have been requesting a soft credit report every other day. i have not. i have closed the XXXX email associated with the account but it is still active
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

From Hintington Bank - XXXX transaction XXXX on XX/XX/year> for {$100.00} & XXXX transaction XXXX on XX/XX/year> for {$500.00} was sent to correct phone number but not deposited to correct person. On XX/XX/year>, a dispute was initiated when i realized neither transaction went to the correct person. I was in- formed it would take 3-5 business days. On XX/XX/year>, i was told my dispute was denied.
Product: Credit reporting or other personal consumer reports

I HAVE MADE MULTIPLE REPORTS AND YOU EXPERIAN ARE IN VIOLATION OF ( 15 u.s.c. 1681 ) : I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EXPERIAN XXXX NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX, XX/XX/year>, XX/XX/year> ) FOR XXXX XXXX XXXXXXXX XXXX to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Debt collection

I XXXX XXXX the Consumer and natural person sent a letter of validation to Wells Fargo on XX/XX/XXXX after noticing an unauthorized account on my consumer credit report. They responded asking for more details about the account to confirm it and I immediately responded answering every question they asked me to get the validation I originally asked for. I sent that second letter XX/XX/XXXX and have yet to receive a response from them. I would really like to get this problem resolved quickly so that I can have this debt removed from being advertised on my consumer credit report.
Product: Credit reporting

Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$8800.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

On XX/XX/2022 my husband and I submitted Complaint XXXX to our mortgage loan company, FREEDOM MORTGAGE. 
On XX/XX/2022, we received a Closed with explanationresponse from XXXX XXXX XXXX, Manager Customer Service at Freedom Mortgage XXXX ( XXXX XXXX XXXX XXXX, XXXX, Mt XXXX XXXX, NJ XXXX ), but still there are some issues that have to be corrected in our Freedom Mortgage Customer Portal : -at the 2022 Payment History, XXXX ( Ref # XXXX, {$1700.00} ) and XXXX ( Ref # XXXX, {$1700.00} ), are not listed (? ). 
-the payment for the month of XXXX was {$1800.00} ( Ref # XXXX ). 
XXXX XXXX  response stated : Your new monthly payment effective XXXX, XXXX  will be {$1600.00}. Unfortunately, the information at our customer portal has not been updated/corrected and we had to pay {$1700.00} for the month of XXXX ( Ref # XXXX ), and {$1700.00} for the month of XXXX ( XXXX # XXXX ). 
-the surplus check of {$450.00} was paid back to Freedom Mortgage to cover any escrow inconsistencies ( Ref. # XXXX ). 
-regarding XX/XX/2022 payment, it still shows the amount of {$1700.00}. 

Only when these issues are properly addressed/corrected, we will consider it as Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company reporting a debt will not send any information other than a bill. Experian is reporting as delinquent. I have asked them to verify and send any information about the debit but they have not authenticate the debt. They still refuse to remove from credit report.
Product: Debt collection

My identity was compromised last year and an XXXX XXXX XXXX phone was purchased under my name and SS # on XX/XX/XXXX, by someone in XXXX, Texas. I was not aware until Credence Resource Management ( debt collector ) called. I submitted the police report, completed the fraud package and was told the issue was resolved. In XX/XX/XXXX I was notified by XXXX XXXX  ( XXXX XXXX XXXX XXXX ) that my credit was hit with debt collection report by Credence. I called Credence several times with no response to my inquiry. It appears that they opened a new case and are requesting payment for the {$970.00} debt from XXXX XXXX XXXX for the fraudulent purchase. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ref # XXXX
Product: Credit reporting or other personal consumer reports

I have asked experian multiple times in writing with proper identification and supporting information provide me information about how they are calculating my credit for. My credit score with experience is almost XXXX points less than XXXX and TransUnion. The same information is XXXX both of my credit reports they all mirror each other. XXXX has my credit report in the XXXX when with TransUnion and XXXX it is almost XXXX. There is no collection differences there is no information that is different on my credit cards everything is exactly the same. I even signed up for boost with experience and they have all my information and yet they never update accordingly. I want you to know how it's calculated and I want the calculation to reflect what is required by law. I feel I am being discriminated against because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are also retaliating against me because of the complaints that I have filed with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I really don't have the money to pay this. My insurance paid all of this bill except for {$100.00}. I feel that they all already been paid.
Product: Credit reporting

XXXX XXXX claims I owed them money after returning my leased vehicle 13 months early and not buying the vehicle. XXXX claims I owed them {$500.00} dollars. I disputed the amount for a year. Ally reviewed my account and adjusted the amount they claim I owed them. I paid the amount off in full the next month to end this issue with XXXX. The agreed to have this claim removed from my credit report. XXXX credit companies are still showing my account as a charge off even thou I did pay the adjusted amount off in full. I 'm trying to refinance my mortgage and Equifax and XXXX XXXX have my score so low because off this claim with XXXX and I ca n't refinance my house. I still dispute I owed XXXX any money and only agreed to pay off the adjusted amount so my credit scores would be fixed so I could refinance my house loan. XXXX, at XXXX agreed to have my fix my credit scores after I paid the account off in full after the amount was adjusted. I 've never missed a payment in my entire life and have always paid my bills on time or early my whole life. 2 months after paying off XXXX, I still ca n't refinance my loan because of bad credit scores.
Product: Debt collection

XXXX XXXX XXXX XXXX keeps saying I owe them XXXX something dollars when I don't. I received a federal student loan for classes at the time in which it covered. I lost my mother & had to take some time away from school. Next thing I know I'm getting various calls from William and Fudge a dept collection agency saying I owe money that I don't. Where is the break down of how I owe this money? I received an email stating XXXX XXXX formally known as XXXX XXXX XXXX XXXX defrauded many students so my student loans were being forgiven due to their deceptive lies. William and fudge needs to check into this & take this off my credit.
Product: Student loan

I have been asking Navient XXXX XXXX many times including on XXXX XXXX to help me by lowering the monthly payment and they said they could not do it! Instead, they told me to cut down on our food expenses and others. I already had filed for bankruptcy twice including on XX/XX/2022 but, they still had charges go through albeit I was in the bankruptcy process. Originally, I owed $ XXXX and now its up to more than $ XXXX. This is horrible since the school I attended committed predatory loans the XXXX playbook included aggressively recruiting and pressuring me into enrolling, maxing out my student loans, and then leaving them me out to dry by investing nothing in my education and leaving me with a mountain of debt and XXXX.