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

I opened a Money Market account with Huntington Bank. At some point due to withdrawals, the balance fell below {$25000.00}. Huntington moved my money to a different type of account without my knowledge or consent. A Huntington employee told me that there were no signatures when the money was moved to the account with the service charge, and started charging {$25.00} a month service fee. If I was aware or had been advised of the situation I would have made sure the balance in the money market was at the appropriate level, or moved the money to a different account which did not cost me {$25.00} a month. This situation went on until I accrued over {$400.00} in monthly service charges. I did not check my accounts because I believed that there were no service charges with the money market account. When I spoke with the branch Mgr he said that I did sign documents that said I was aware but I have never signed any documents advising me of a different type of account or allowing them to move my money to an account which charges $ XXXX service charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not licensed to collect in the State of Texas. 
They are reporting these two accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete immediately, and send me an updated copy of my report please. Thank you.
Product: Debt collection

A landlord who was never my landlord was running a scam business. I fell for the scam and paid an application fee via credit card. The landlord then broke multiple laws and I backed out before ever signing a lease. I tried to resolve it but they ghosted me, I eventually charged it back as fraud because the company did engage in fraud. Theyve since added on false amounts of money and fees never agreed to and sent it to various debt collectors, all have immediately dropped it when I told them what was going on except Columbia debt recovery. I was told they would drop it if submitted proof. So I did and asked for verification of debt. They ignored my proof, didnt address it at all and didnt drop it. Their debt verification also lacked things required by law and literally proved I didnt owe what they were asking for. On top of this theyve made half a dozen false statement. Tacked on illegal interest fees, never sent an actual letter, and so on and so on. I eventually demanded payment for there violations of the FDCPA and they have ghosted me and reported my account to credit bearues while still under dispute and without ever properly verifying the debt. Not to mention its literally a fraudulent debt to begin with.
Product: Mortgage

I sold my house, XXXX XXXX sent me a check for XXXX. I moved out of country. I sent the check to the bank and it was Stale Dated. NO GOOD. I can not get in touch with them. It has been a year and a half. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a paid collection on my credit from 2014. It was an amount of {$15.00} that was paid. In the description, it is listed as a medical collection. 

The creditor 's name is listed as " XXXX XXXX ''. This is a medical collection, and the fact that it is reported to my credit is a violation of HIPAA laws. The fact that I attended a medical doctor is a private matter and my info, billing or otherwise, should not be furnished to any collection department or personnel that isn't the acting doctor or nurse treating me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being.

I request the following : Immediate and effective action to remove the fraudulent items from my account.

Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX Owed : {$420.00} XXXX & XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX Balance Owed XXXX {$460.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I notified Venmo that a fraudulent Venmo Credit Card had been opened in my name. I then asked that my Venmo account be closed, which they said they could not do, because there was an account balance owed on the fraudulent credit card and that I needed to contact the credit card issuer, XXXX XXXX at ( XXXX ) XXXX to report the fraudulent activity and get the credit card balance cleared. Meanwhile, Venmo was holding {$2300.00} of mine that I could not access. After being required to provide a copy of my photo ID and a picture of me holding the photo ID, they finally unlocked my account XXXX transferred the {$2300.00} out of my Venmo and again requested to close my account, Venmo refused, again saying that they needed me to work with XXXX XXXX. XXXX XXXX told me that they had XXXX days to complete their investigation. XX/XX/2023 I finally receive notice from XXXX XXXX that their investigation is complete, the credit card account had been identified as fraud, the account has been closed with no financial obligation due on my part and the credit bureaus had been notified. I sent the letter to Venmo, asking again to close my account, 8 email exchanges with Venmo, they have no other way you can contact them. This is the last email I received " I understand that you wanted to close your Venmo account. I tried to do it, but just like the previous representatives, I was unable to do so. I see that you sent in the document confirming that the credit card was already closed. Kindly respond to the ticket # XXXX so they can double-check it and further address your concern. '' I have no idea what ticket number that is or how to respond to it? The entire process is broken and made to be frustrating and complicated for the customer.
Product: Mortgage

I was doing a refinance of my residence with Sofi home loans. The property is XXXX, Texasd. The day of closing Sofi adviced me that they had to do a re-inspection and handrails needed to me added to my property back staircase. At no point did they contact me to tell me of an issue before the day of closing. I asked my loan officer to give me a copy of my appraisal which i had paid for and had been performed by XXXX XXXX XXXX XXXX based out of XXXX, Texas ph ( XXXX ) XXXX. She said she could not do that because my loan was in re-inspection. Can a lender deny me a copy of an appraisal that i paid for?
Product: Student loan

My daughter attended XXXX. She was in her second year there. All of her student loan paperwork was already in before we arrived there to her school. We live in XXXX, XXXX. When we got there, they said they did not receive it, and asked me to submit my information on a new form. I had been in bankruptcy during that time, so I was surprised that all off sudden my credit was approved which means she had to get a parent loan instead of a student loan directed to her. All of this was within a week of hurricane XXXX. She was able to attend one week of class before XXXX hit, but she lost everything because she was not staying on campus. She came home to XXXX within days of that experience and never returned to school. I am now strapped to pay for her parent loan to XXXX. I have three questions. I had heard that some of the XXXX were not reporting their funding received accurately. I 'm interested in knowing if the schools received the money from the federal student loans for students that did not return to the school due to that traumatic event. Also, in 2005, was XXXX one of the XXXX reporting their funding incorrectly, And are there any special circumstances/ reprieve for students going through XXXX XXXX I also can not repay this loan. I am overwhelmed in debt behind my own student loans.
Product: Debt collection

I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the final days of refinancing my home and I had a good credit score but now its dropped XXXX points and now the mortgage company wont approve the refinance. After numerous phone conversations with creditor COMENITY Bank speaking with service reps and supervisors starting XX/XX/2021. 
They said the issue was resolved but when our mortgage guy checked my credit score it had dropped XXXX points as a result of COMENITY bank not fixing the problem. I called them back on XX/XX/2021, I was told by the credit rep it would take 60 days to remove the low credit score. As a result of the delay we can not get our refinance and as a result our interest rate has gone up XXXX XXXX %. We only have a few days to keep our locked in interest rate. WE NEED THIS ISSUE RESOLVED IMMEDIATELY!! 
Thank you for your time and consideration in this matter.
Product: Vehicle loan or lease

When I am 15 days late on a payment I am charged a late fee. When I log into my account and pay the late fee I thought it was being paid. The late fee payment that I made was not credited to the late payment, this happened numerous times. I only find out when Ally sent a letter in the mail that the fee wasn't applied and was still being reported late, over 30 days. I have to physically call Ally and complain numerous times. When I call they tell me they will fix it so I thought that they did. Now I am being told by a mortgage company that it is still showing over 30 days late numerous times. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to apply for local credit unions in my area and they stated that there was a security freeze on my Chexystems profile. I contacted Chexystems and they stated that there was no freeze. However all of the credit unions have stated there is one and what they say comes up is THIRD-PARTY SECURITY FRZ ALERT on the chex systems report. Chex systems states there is no indication of this. This is stopping me from moving on with my life. Legal litigation will be pursued as they are in violation of the fair credit reporting act. I expect them to do their research and remove this third party security freeze alert immediately from my chexysystem profile as that has nothing to do with my chexsystem profile. I will upload my identification as proof and also proof of my social as well as a letter from one of the credit unions stating what comes up when they pull my chexsystem. Please get to the bottom of this! I applied to XXXX and XXXX XXXX XXXX XXXX and they both are getting the same response from chexsystem. I can't move on with my life. Please Help Me!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the credit Reporting act Transworld Systems has violated my rights. 

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

15 USC 1681 Section 604 States It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Debt collection

On XX/XX/2023 I had a womam call me from United Collection Bureau and she was hard to understand and spokevery fast. I asked very simple questions, IE : Have you sent the IDL yet and other simple consumer questions ( I'm super glad the call was being recorded ) and after briefly acknowledging the debt and giving a small snyopsis of my financial situation and then letting her know that I can something up but it has to be a small amt due my financial situation, she trans me to a supervisor name XXXX XXXX. Once XXXX got on the phone the entire conversation took a turn as XXXX escallated the situation by over-talking me, telling me that the original creditor is tired of me for not paying ( I was paying another collection agency a small payment monthly on this acct, and last payment was in XX/XX/XXXX '' [ 3 months ago ] so they just received this debt, I asked XXXX some simple questions as well but after incinuating I dont pay my bills ( Later in the convo he sd, he didnt say that ) and escalating the situation and wouldnt allow me to talk or let him know my situation he finally sd that I can make a payment of XXXX XXXX monthly asI sd I would set up to mail in but he kept tellimg me that he is done with this conversation over and over ifwedont cont talking of the debt in which thats all we were doing, made it so difficult for me to discuss as XXXX wanted it his way or no way. How can a collection agency make such rude comments, not willing to work with you and escalate a situation from a supervisor stand point be able to collect? Now I fully understand that I owe this and was trying to work it out but, u for XXXX XXXX wouldnt allow me to do so. I will pay this with them but they needto work with so that I can. I am officially filing a complaint on United Collection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting on none of the issues listed. Reporting a crocked bank that I pay way too much to clear my record on a {$25.00} swipeing fee that I had to pay over {$100.00} to clear my record. I payed Bank Of America the interest to clear my record so I can have a bank account in witch they lied and are still have not cleared my record. Happened years ago. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have ignored my attempts to have this negative account deleted from my credit report. XXXX Bank has written off the debt and sold the three accounts to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureaus has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of charge off/1099c form for charged off debt, they did not, they sold thirds debts long ago and they are still attempting to collect on it. They debts are also reporting different across the three credit bureaus. Consequently, please have them delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked Experian to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which Experian must have on file and received nothing to day. Last correspondence stated Experian will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at Experian request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question Experian 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, LLC. 
This credit reporting agency has at least 6 inquiries on my credit report which are past two years : XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX. 

They are showing public records which were DISMISSED. In the Court of law, this means the Judge did not adjudicate nor was it accepted by the US Bankruptcy Courts. 
XXXX XXXX and XXXX. 

They show XXXX XXXX XXXX XXXX  with no amount owed and no late payments. No dates. 
Transunion shows XXXX XXXX XXXX this has been disputed with the company and validation has been requested. However, XXXX is not reporting it after I disputed it with them last year. XXXX is not reporting it. 

XXXX XXXX XXXX. XXXX this is not may account. It was disputed with your company as XXXX XXXX. Transunion removed it and then placed the same account back on Tranunions under XXXX with a collections agency. ( A Validation should be given ) I would like for Transunion to handle this matter within the CFPB platform. They have not Validated all of these accounts. The companies in the validation should show my corrected Name, DOB, SSN, and Home Address, and show proof I signed electronically for the accounts. I am requesting Validation. I am not requesting bills this does not show proof the accounts are mine. 

I have declined a Housing loan because of the reporting with Transunion. I do give Consumer Financial Protection Bureau access to information on this platform for dispute. 

This report contains some of the same requests and concerns since the last year XXXX. When it comes to Bankruptcy 7 Years with a discharge depending on the Chapters. I have not had any court hearings. I have not seen a Judge. This information is to be removed.
Product: Money transfer, virtual currency, or money service

I had made a chime account and had instantly transferred money over to the chime account from my bank account. I later received an email that my account had been closed with no explanation. So because of this my money is now stuck with chime because I had never received it back in my bank account. Ive now had to go back and fourth in email with them about 20 different times now with it going absolutely nowhere and getting no explanation of how and when I would receive my money back. I had provided them all the documents they requested from and still got nowhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this unverified and inaccurate account for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) This account is in violation for not reporting 100 % accurate. 

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

I sent a notorized FTC report and my PA driver 's license to Experian, XXXX, and XXXX about the fraudulent accounts reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law. 

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAN TRANSUNION AND TRANSUNION REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and health.