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

I opened a checking account with Huntington Bank in early XXXXXXXX XXXX XXXX. They approved my account and gave me access to their mobile banking site. On XX/XX/year> i made a mobile deposit of {$1000.00} to the account. They negotiated the check on XX/XX/year> and put a hold on it til it cleared. they sent me an email dated XX/XX/year> advising of this and stated the hold should be thru XX/XX/year>. On XX/XX/year> they sent me an email stating that they released the hold and that my balance as of XX/XX/year> was {$1000.00}. well in the interim my access to their website was removed. said I was locked out and to unlock needed to change password. well after attempting got an error not allowing me to create a new password. when I called their phone number I was greeted with the message that my account balance was XXXXXXXX I attempted to find out why I couldn't access and was met with all kinds of excuses. what i was able to gather by bits was that they closed my account due to me being a risk. what risk I do not know. but then i was told my account was under review and it could take from one to 6 weeks for an answer. all they would say is that i would get a letter. now if I were a risk, why did they even approve me for a checking account? and just what kind of risk am i to their checking account service? Bottom line is I need my money. I have bills to pay and expensive medicine to purchase and they are holding my money hostage. If they have closed my account, what the heck are they reviewing. they should have returned my money ASAP not dawdle over it- it should have been immediately returned either via returning electronically to my bank or sending a check immediately to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a {$5000.00} deposit with a cashier 's check having my typed-in name. There was no way for me to suspect anything fraudulent. That was on a Friday and the following Monday on XX/XX/XXXX, upon checking my account balance it shoed the check as cleared and was not pending anymore. I got a call from the suspect stating that he needed to cancel the car deal that I was selling and still am trying to sell. And that I should keep {$500.00} for my time and troubles. I wired the money to said account as instructed and even took screenshots of the wire transfer to send him as I said I would for {$500.00} that ain't nothing. The next day on Tuesday the bank notified me through my checking account that the check is fraudulent and under investigation thereby keeping the cashier 's check. Upon calling the hotline for PNC I was informed that 90 days is the usual wait time before any kind of refund is granted. That made me wait a few days anyway before I started writing my complaints about something should be done to stop him. Of course I knew he was long gone by then since he got what he wanted. PNC sent me a letter about XXXX weeks later stating that they couldn't reverse or stop the transfer. I would never have transferred the {$4500.00} if PNC didn't tell me it was approved. It's not just that funds were available to me, but the fact that the check had totally cleared and showed as 'Processed '. It showed in my 'Balance ' and not just available funds. I trusted PNC and this is where it got me, having to complain twice about the same matter. I feel that small claims court is my only option now since I'm not really being heard. I feel like this is a whole another issue now with having to sue PNC before any action is taken to help their long-term customers. I've never even wired any money before XX/XX/XXXX and the whole thing is a new venture for me. Somehow PNC should have protected me by at least waiting another day before saying the check was good.
Product: Consumer Loan

Original loan for XXXX dollars, never received a statement on line made a payment of XXXX dollars monthly. balance is now XXXX after 6 months. had to give my bank account info to receive check. monthly deduction of a minimum of XXXXfrom my bank, XXXX.loan original called blue horizon loan co. when I ask for statement I get other peoples account. can not print or use monthly statements.account number is XXXXminimum next payment is XXXXdue XXXX XX/XX/XXXX2017. XXXX will not drop this Loan co. from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple XXXX  day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX days past my due date. 
XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX  # XXXX Please verify this account. 

XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple XXXX day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX days past my due date. 
XXXX XXXXXXXX XXXX # XXXX I noticed you are reporting multiple XXXX day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX days past my due date. 
XXXX XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Data Breach Dear XXXX, I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Student loan

I 've been paying {$400.00} to great lakes higher education to assist my son, XXXX XXXX, in paying his student loan. I 've made XXXX $ 400 monthly payments since XXXX 2016 thru my XXXX XXXX XXXX online bill pay account. XXXX XXXX XXXX has sent the funs electronically to Great Lakes after we provided an account number. The XXXX payment was never credited to my sons account. After multiple inquiries, Great Lakes told my son that they ca n't credit XXXX payment because it was sent to wrong address - even tho the funds were sent electronically. Great lakes was selected from XXXX website list of payees - there is no address or Great Lakes account to select or that could be selected incorrectly. Furthermore, great lakes says it will take 30-45 days to return the money. I canceled the XXXX payment on XXXX XXXX XXXX website but it was paid anyway ( I have no documentation that I canceled it, but remember doing so ). XXXX XXXX XXXX has made feeble attempts at solving issue, even though it appears they paid wrong account. XXXX XXXX XXXX essentially made one phone call in which great lakes refused to speak with them without me. I was never contacted to be on that call, but I 'm not even the loan account holder. I would like immediate return of XXXX and XXXX {$400.00} payments - {$800.00} total. And I would like some action taken that prevents companies from Great Lakes and XXXX XXXX XXXX from this fraudulent activity - namely, Great Lakes for taking my money and holding onto it for an unreasonable ( and probably illegal ) amount of time ; and XXXX XXXX XXXX for not restoring funds to my account after they incorrectly paid a payee. 

thank you XXXX XXXX
Product: Mortgage

I have lived in my home for 15 years. I am a senior citizen. My loan was bought by Nationwide/Mr. Cooper some years back. I never had a problem with them until I refinanced this past XXXX to pay off some debt. Since refinancing I have had three major problems with this company and there has been no reasonable explanation for any of them. 

First I received a bill from the Town of XXXX that I was to pay my own taxes. My taxes have always been paid by my mortgager and nothing changed. I was told a 3rd party company XXXX sent the town the letter. No one had an explanation. I asked for a written response as to how this happened. I got an email saying the taxes were paid. I was never told why it happened in the first place. I received a letter saying as much and they told me that as of XX/XX/19 they still had not received my payment. My mortgage has always been paid directly to Mr. Cooper from my checking account on the first of every month. I checked with my bank and they said Mr. Cooper received the payment on the first as always. The letter from the XXXX XXXX Customer Relations Specialist who was very nasty and condesending told me my bill was not paid and showed me their statement saying it was posted on the XXXX and it was my problem. The bank confirmed for the 2nd time that they received it on time on the first and it was in internal problem with Mr. Cooper. They are jeopardizing my credit at this point. 

Then to make matters worse they send me a new bill now for {$690.00} instead of {$680.00} because they shorted my escrow account when they refinanced. Obviously to make the payments seem more reasonable than the other companies who were giving me their figures for refinancing. 

I do not know what is wrong with this company but something has dramatically changed and someone needs to look into them. I do not want to stay with them at this point but I would have to pay closing costs all over again to go somewhere else. I think they have no explanation for any of these serious problems which occured in the last 6 months. I am afraid to stay with them.
Product: Debt collection

Medicredit, Inc is attempting to collect an alleged debt attributed to me by XXXX XXXX XXXX XXXX XXXX. Account # XXXX, date of service XX/XX/2020, {$220.00}. This debt does not belong to me. 

I have asked Medicredit to provide me documentation for my review which establishes the account as mine. Ideally, this would include my dated signature, a receipt of the goods or services provided, and a copy of my identification. I have written to Medicredit to formally dispute this debt and request this documentation -- it has not been provided. I have requested Medicredit to discontinue attempts to contact me by telephone, but I still routinely receive auto-dialed calls and requests to communicate by telephone. I have asked Medicredit to report the debt as unverified and disputed, but credit reports do not show the disputed nature of the debt.
Product: Debt collection

Municipal Collections of America is attempting to collect citations from 2011 based on a photograph picture of a license plate. It was a car that I was not driving at the time nor have I ever driven in XXXX XXXX, IA. I could take pictures of peoples plates and send them debt collections letters so maybe this is a scam. either way they were only able to give me the make and model of a car I used to lease and an address that I haven't lived at in 6 years.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

Conn 's has called me XXXX times today, and at least 3 times every single day.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny 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, credit repair services, or other personal consumer reports

XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for its failure to conduct proper investigations into inaccuracies in my credit report. Despite my repeated disputes and supporting documentation, Equifax consistently responds within 24 hours, asserting that the account in question is accurate. However, no evidence of a thorough investigation is provided, and this lack of diligence violates federal law. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, credit reporting agencies are required to conduct a reasonable investigation of disputes raised by consumers. Equifaxs repeated failure to meet this standard suggests a systemic issue in its handling of consumer disputes. 

Additionally, this practice appears to contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceeding against Equifax ( XXXX XXXX. XXXX ) highlights similar violations and underscores a pattern of noncompliance with federal law. 

Requested Resolution : I respectfully request that the CFPB investigate Equifaxs practices and take appropriate enforcement actions to ensure compliance with federal laws, including : 1. Mandating that Equifax conducts thorough and reasonable investigations into consumer disputes.

2. Requiring Equifax to provide evidence of investigations to consumers when disputes are resolved. 
3. Ensuring Equifax complies with the FCRA and CFPA in all aspects of credit reporting and dispute resolution.Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.