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

on XX/XX/2022 while at work I received a text message alert from Huntington Bank that a withdrawal from a non Huntington Bank was made in the amount of {$200.00} Which i did not authorize. I immediately checked my wallet and noticed that my Huntington ATM Card was gone. I quickly contacted Huntington Bank and made Them aware of the problem. upon making them aware of the problem there were several other unauthorized purchases which I also made aware to Huntington Bank. Huntington Bank said they would investigate the matter and contact me when they were finished. I never heard from Huntington Bank. Instead I received a letter from the bank claiming that they found the atm withdrawal to be authorized because the right pin to the account was used which is obscene because anybody could have watched me use the atm and then stole my card or anything of that matter its not hard for crooks and criminals to get a pin number. Huntington Bank has not provided me with no evidence of any kind especially that shows those transactions were authorized by me.on XXXX XXXX XXXX Huntington Bank have charged my bank checking account with all of the fraudulent charges, withdrawals and overdraft fees. someone stole my banking information and used it and Huntington Bank wants to make me pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS 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 accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request XXXX and TransUnion remove inaccurate and outdated data from my consumer report, non working Address at XXXXXXXX XXXX XXXX XXXX FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!
Product: Debt collection

The collections account was closed and the company is still adding missed payments on my credit report to further damage my credit. According to consumer right, once a collection account is closed, they can not continue to try to get payment, and/or add monthly payments. This has been done in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023.
Product: Checking or savings account

XX/XX/2022 - I submitted a request through my online XXXX XXXX XXXX XXXX XXXX Webster Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was already verified with micro deposits. 

XX/XX/2022 - I submitted a request through my online XXXX account to transfer {$8500.00} from XXXX XXXX XXXX XXXX XXXX  also verified by micro deposits, into my XXXX XXXX savings account. 

XX/XX/2022 - {$21000.00} was withdrew from my XXXX savings account. 

XX/XX/2022 - {$8500.00} was withdrew by XXXX from my XXXX XXXX XXXX account. 

XX/XX/2022 - Received two emails from XXXX with reference numbers that my transfers have been stopped ( see attachments ). I responded and then called in immediately. I spoke to a representative who told me they need to verify accounts with Photo IDs ( which I had sent in already at account opening ) and statements ( which I thought strange because they have already been verified with micro deposits ). I sent all of this information in on XX/XX/2022 and again on XX/XX/2022 ( see attachments ). 

XX/XX/2022 - XXXX confirmed received, and said they still need to verify account. I resent them all the documents. 

XX/XX/2022 - Re-emailed all documents and ask to please look into this, as neither transfer had been completed. Also sent to XXXX, as she had replied to an earlier email. 

Called in after getting no response. They told me they received the documents, and they are under review with their back-office staff. Told me to expect a XXXX hour turnaround time. 

XX/XX/2022 - Called again and they had no answers for me. Told me they would send an expedited email to their back-office. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

As of XX/XX/2022 I am still waiting on the transfers. I do not know where my money is, as XXXX must have it in a holding account. I am losing out on interest. Please note that XXXX is a sub-brand of Webster Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX Department of Education sent a debt into collection because I was over paid on my FAFSA. They said I had 90 days to pay them or they would start taking money out of my pay check. The original amount of then debt says {$770.00}, however if i paid {$200.00} they would resolve the issue. I had explained due to COVID my work was slow. There response was you have 90 days. At 60 days they reported to the credit agencies as a delinquent account in collections. That same day I had contacted them explaining that was not our agreement. They said dispute it. Disputed it twice and denied both times. Both dispute dates with Experian are XX/XX/XXXX and XX/XX/XXXX. The account is reported paid/closed XX/XX/XXXX. 

It is to my Understanding that any school related debt is not suppose to be reported to the credit agencies during the pandemic. Especially when i was working with them to pay and agreed i would pay within 90 days. It is not my fault my family was struggling during all that is going on. I am asking that this please be removed from my credit report as it had a serious effect on my score. 

Reporting Agency is : US Dept. Of Education XXXX XXXX XXXX XXXX XXXX XXXX , GAXXXX XXXX Debt Opened : XX/XX/XXXX First Contacted by them : XX/XX/XXXX Reported to credit:XXXX Closed/Paid:XX/XX/XXXX Please help me to remove this from my credit score. 
Thank You for your time.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to be compensated for the issues described previously with money transfers.
Product: Checking or savings account

An electronic bill pay, through Wells Fargo Bank, was submitted, we mistakenly submitted to the wrong payee. The funds were deducted from our checking a/c. The funds were sent to XXXX XXXX XXXX. We contacted XXXX, advised them of the error and asked that they return the mistaken payment ( {$1500.00} ). XXXX, after doing much research on their end, stated they had no record of the payment. ( I should mention that my wife had a business a/c with XXXX. She had closed the a/c during XXXX, but had not removed XXXX from our bill pay list. This how she mistakenly clicked on the wrong payee and the electronic payment was sent. ) Wells claims XXXX got the payment and deducted it from our checking a/c. We have filed at XXXX claims with Wells. They have sent us there proof of payment, however, it does not show what bank it was sent to, or the a/c number & routing number of the recipient. 
This has been going on since XXXX. The initial electronic payment was sent on XXXX XXXX, XXXX. We can not get Wells to provide these two most important facts. 
I should mention that both the local Wells Fargo branch manger and the XXXX XXXX XXXX have been very cooperative and sympathetic to the problem. 
My wife and I are both XXXX XXXX XXXX and this is extremely stressful for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. 


PER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX -Account Number:XXXX  XXXX XXXX XXXX -Account Number:XXXX XXXX XXXX XXXX XXXXAccount Number:XXXX XXXX XXXX -Account Number:XXXX XXXX XXXX  XXXX - Account Number:XXXX
Product: Credit reporting 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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft. I found out there are fraudulent accounts reporting to my credit profile and it has now ruined my life. I've called the company and asked to have these items removed and submitted the documentation they asked for and nothing has happen. The fraudulent items are still on my profile. Experian can not report open-end credit plans as late and I did not give Experian, written or verbal, consent to report anything to my profile which is a direct violation of my consumer rights. I am simply asking that 3 closed accounts be removed. They are the XXXX Card for {$15000.00}, XXXX XXXX XXXX XXXX for {$7900.00} and another XXXX XXXX XXXX XXXX for {$7200.00}.
Product: Vehicle loan or lease

I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters the credit bureaus and XXXX XXXX directly with no proper response. I am I authorized user on a unknown XXXX XXXX credit card & the utilization is hurting me.
Product: Credit reporting or other personal consumer reports

I have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX {$7000.00}
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX I sent a letter registered mail to Specialized Loan Servicing LLC stating I would like to end the collection of my escrow account on my mortgage note. As of this date I have received no correspondence from them that they received my letter or acknowledgement that Specialized Loan Servicing LLC has ceased to collect for escrow. 
This is unacceptable behavior. Specialized Loan Servicing LLC has ignored all my presentments starting XX/XX/XXXX in which there have been 7 of them sent registered mail and addressed Attention XXXX XXXX. This includes Notice of Acceptance of Credit Issued and Discharge of Debt, dated XX/XX/XXXX ; Notice of Opportunity to Cure, dated XX/XX/XXXX ; Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Request for Validation of Debt, dated XX/XX/XXXX ; Second Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Fault and Opportunity to Cure, dated XX/XX/XXXX ; and Notice of Credit to Cure, dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX filed an affidavit in the XXXX XXXX of deeds in XXXX, stating that XXXX XXXX  was the foreclosing mortgagee and was the note holder of the original Note ; that affidavit was fraudulent ; the Note was held by XXXX XXXX  who filed an affidavit on XX/XX/XXXX, stating that the original note is lost and they are unable to locate the note. 
In XXXX, a foreclosing entity must have the mortgage and the original note to be entitled to foreclose, which XXXX XXXX  does not have the original note because it was lost. In contradiction to the affidavit filed at the registry of deeds, XXXX XXXX  produced a fraudulent affidavit stating that they were acting as an agent on behalf of the original note holder ; that affidavit was false because the affiant retracted his statements. 
XXXX XXXX  now threatened to foreclose on my property ; they denied me a loan modification. This conduct by a XXXX XXXX  is fraudulent because they are neither an agent nor the original note holder,
Product: Credit card or prepaid card

Recently I contacted XXXX XXXX because there was an XXXX inquiry I did not authorize. During the dispute process XXXX XXXX Accidentally disputed Upgrade a Inquiry causing Upgrade to suspend my lines of credit. Please be advised that this was an error on XXXX XXXX and I am not disputing any of my upgrade accounts in fact I would like my lines of credit reinstated as you can see I have made payments on both lines of credit and credit you have my verified information During the application process. Please remove my account from the dispute department as this account these accounts are not fraud they are valid and I would like the reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to JP Morgan Chase dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to JP Morgan Chase Auto on XXXX, XXXX for {$720.00} and cleared Chase Auto on XXXX XXXX. Chase denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with Chase and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say JP Morgan has tremendously affected my credit score due to their inaccurate bookkeeping. JP Morgan has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with Chase. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.