23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021.
Product: Checking or savings account

THIS IS OUTRAGEOUS I WOULD NOT BELIEVE THIS ONE IF SOMEONE TOLD ME IT : I have been waiting on hold now for over an hour the lady was very sweet but XXXX of my money has disappeared leaving my account over drawn to the tune of {$890.00} and no one has heard or seen anything. 

I am sorry for maybe looking like the face of evil, but XXXX  are just not accustomed to this type of treatment luckily XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or it could be a real situation Huntington Bank would have on their hands. 

I don't think I am out of line in saying that this bank is a bunch of crooks that have robbed me without a mask or a XXXX several times and someone needs to get a handle on this problem... 

I am really at a lose for words here. 

***yet another duplicate transaction for XXXX dollars on the same day has come into my account on XX/XX/02
Product: Credit card

Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified through XXXX that changes had been made to several of my accounts. When I logged into XXXX to view the changes I discovered that three department store credit cards that I had through Comenity Bank , Lane Bryant, XXXX XXXX, and Torrid had been closed unexpectedly. Ive had these cards for 13 years, always paid on time, never late with payments, and saved enough money to pay all three cards off towards the end of XXXX. I havent been using the cards, Ive been making purchases at the stores using cash because I was working on reducing my credit card debt as Im in the process of reducing debt for another home purchase. It brought me to tears to see that my credit score dropped by XXXX points due to Comenity closing all three of my accounts. Despite me being a long time, paying as agreed customer, they chose to close my accounts without warning or notification. I called Comenity and spoke to XXXX who first advised that I should have received a warning that my account was going to close due to inactivity but when he searched the records he didnt see where any letters were sent to me. My email, address, phone number were all correct and up to date. XXXX escalated to a Manager or 2nd voice who advised him that a warning was sent to me then later came back and said that only California residents receive warnings, all other states do not. I requested reactivation but I was advised that couldnt be done, I would have to reapply. So the companys actions of closing my account already resulted in a XXXX pt reduction in my credit score and now they want me to take another hit by applying for new credit- that doesnt make sense to me. I think its unfair and deceptive to take a good customer and penalize them without notice. Had I been notified I would have used the cards to prevent deactivation since they are saying it was closed due to inactivity. The actions of this company should be investigated to ensure they are not targeting specific demographic classes and causing credit harm.
Product: Debt collection

XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

XXXX XXXX amounts of XXXX times XXXX and XXXX $ times XXXX and a XXXX XXXX of XXXX sometime during XX/XX/2023 and XXXX in the amount of XXXX $
Product: Debt collection

For the second time, Mr. XXXX XXXX has engaged XXXX to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX XXXX in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of XXXX as method of payment with this bogus claim.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX S

ubject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment.

Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX  15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XX/XX/2023 I am reporting fraudulent found in my credit report
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXX XXXX Acct. XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this on XXXX to dispute the following information on my credit reports ( XXXX, transunion, and XXXX ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX  XXXX XXXX XXXX I am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

on XX/XX/2019 a man named XXXX from midwest diversified recovery services contacted my wife on her cell phone discussed a debt that i am not aware of and demanded her to listen to him called her a XXXX* and violated the fdcpa
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked the company for a debt validation letter stating that I owed this debt to them. They could not provide any personal signature of mine on a contract with Westlake Financial. They removed their collection from my credit report on XXXX ; however, they reported the same inaccurate information to XXXX again XXXX months later. Under the FCRA if they can't provide the accurate information " debt validation letter '', they are required to not report false information to the credit bureaus. This is a constant battle. I have asked numerous of times and yet they violate my rights under the FCRA by not providing the documentation necessary for a validated debt.
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, inaccurate accounts suddenly showed up on my credit report this morning, and Im baffled as to why. Ive always checked my report without problems until now. Refreshing the browser didnt fix it, proving it wasnt just a glitch. Im pleading for the documents Ive sent to be properly reviewed to resolve this troubling matter once and for all.
Product: Mortgage

My mortgage was sold to Fay Servicing from XXXX XXXX in XXXX of XXXX made my XXXX payment to XXXX XXXX and begin making mortgage payments to Fay Servicing in XXXX of XXXX. On XXXX XXXX, XXXX ; I received a notice advising that my check was returned as my account was in active pre-foreclosure proceedings when my payment has been made monthly. I called in and spoke with XXXX ; who introduced himself as my account manager ; advised that the last payment received towards the account was in XXXX for the month of XXXX. I eplained to the representative that my payments have been made each month and there was no way that I could 've made a payment for the month of XXXX in XXXX as Fay Servicing did n't acquire my account until XXXX. He in turn told me that I needed to go through the loss mitigation process in order to save my home. I sent a follow up email on XXXX providing copies of canceled checks from Fay Servicing for XXXX-My payment was made directly to my previous lender- Check XXXX I started making payments to Fay Servicing the following month. My XXXX payment- Check XXXX was cashed on XXXX XXXX for XXXX My XXXX payment was cashed on XXXX XXXX Check XXXX for XXXX The payment for the month of XXXX was returned check number XXXX The payment for the month of XXXX Check XXXX has not been cashed or returned. As of XXXX ; I did n't receive a response from Fay Servicing or at minimum an acknowledgement of my email receipt ( basic customer service ). I called in spoke with XXXX XXXX again and was advised that the request was sent to thXXXX XXXX on XXXX. I requested the name of his manager and was provided with the contact information for XXXX XXXX. I sent him an email with the supporting documents and have yet to hear from anyone within the organization regarding my payments or account status. As a safety precaution, I sent in the loss mitigation documents on XXXX to avoid missing the XXXX deadline. I would like for Fay to reactivate my account to allow me to make payments ; as well as remove any associated fees due to their collection proceedings. It seems as if the lender is attempting to swindle my property from beneath my feet and forcing me to go into loss mitigation so that they can add additional fees or extend my loan. This has to be the worst customer service that I have experienced
Product: Checking or savings account

My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.
Product: Credit reporting or other personal consumer reports

Within the past year, I have previously requested the issuance of Form 1099-C from the creditors as this form would confirm the cancellation of the debt. Despite my requests, I have not received the Form 1099-C for these accounts.
Product: Credit card

Sometime in XXXX I applied for a Barclay XXXX XXXX card. For some reason I was initially declined, which was very confusing to me because I had never been denied credit so I called them. They explained that for some reason a credit check was never made and the CSR pulled my credit ( after asking my permission ) and approved me for the credit card. This was around XXXX XXXX. I received my card and put some expenses on it. This card had a signup bonus and I nearly reached the spending threshold with this first bill. Then, for a reason that BARCLAY REFUSES TO EXPLAIN, they cancelled my card. Noone will explain why my card was shut down but I believe this was because it was an easy way to save them the {$440.00} signup bonus ( which they claim I 've forfeited because they 've shut me down. ) This is total XXXX. While I understand that they have the right to choose who they allow to have their card, they have no right to bait me to sign up for credit ( causing an inquiry on my credit report ) only to immediately shut me down without explanation and to seize my points. These points are as good as cash so I view this as they stole from me!
Product: Vehicle loan or lease

Ally financial has failed to report any information in regards to my payment status since XX/XX/2019. I was in a car accident on XX/XX/XXXX, totaling out my car and my insurance company paid the full remaining balance until XX/XX/XXXX. On XX/XX/XXXX, I called to get an update as their website stated that the payment was still showing as processing, and the representative stated that they received full payment and are waiting for the mvd to release my title but my credit report will update in the beginning of XXXX, showing as paid. I called again on XX/XX/XXXX and was told by the representative that on XX/XX/XXXX, The representative put in a request for my credit status update to be reviewed and it will take an additional 30-45 business days to update. The call was then escalated and a supervisor stated he put in an email to have this information expedited and should hear something within a few days. Today, XX/XX/XXXX, I noticed that my account has been closed and I called to get an update to verify when my account will reflect accurately on my credit report and was told that from the call on XX/XX/XXXX it would take 30-45 business days. I then escalate the call 3 more times and get  another supervisor who states they will email and call me back. 

I have been with this auto company for almost 5 years and have maintained my auto loan until it was paid in full in XXXX. Ally has not updated their credit reporting information for my account since XX/XX/2019 ( showing delinquent ) which is currently preventing me from getting a new vehicle. I have called multiple times due to this inaccuracy putting a damper on my ability to move forward and get a new vehicle and am requesting assistance for them to update their information accurately so that I may move forward.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX