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

My bank Huntington : Via the web portal I could see 1 ) My business checking account 2 ) personal checking 3 ) Joint savings account 4 ) My Huntington credit card A ) last week on Tuesday ( XX/XX/25 ), I went to my bank Huntington to make a deposit. I was informed I could not make a deposit and that Huntington was ending its relationship with me. 
I was told that in 3-14 days I would get ta letter and a check for the balance in the account * I could still see all 4 on the web portal B ) Also on Tuesday my credit card merchant told me that deposits were bouncing- so I couldn't get my payments from my credit card transactions c ) On Thursday the XXXX, I received an email that a deposit went thru on my business account. That was a change- so I thought things have changed. I did take out some money just in case this was a fluke * Now on portal I can only see Business checking and my Huntington credit card d ) Today- its been 8 days and no letter and no check on the balances on the accounts missing : My personal and the Joint Savings e ) Today I received notice from my XXXX XXXX  that a payment I put on there bounced. I took this as a very bad sign and that I have very little credit left on this card f ) so today, I go to Huntington to try and move out a significant portion of the money- leaving some monies for the automatic withdrawals. 
I am informed that my business account is closed. Now I am dealing with the exact same person at the bank as previously- so she remembers me from Thursday when I took some money out. 
She calls corp office. They have no answer to as why this is happening and they refuse to talk with me. 
I say to her if we are going to end our relationship then give me a cashiers check for 70 % of the account and leave some in for withdrawals- she says she can not take out any money. 
I say to her how can I pay my bills. She says now corp says I will get a letter and check for the balance in 35-45 days!! WHAT! 
* I can still see my Business checking account and Huntington credit card. When does the clock start on the 35-45 days? and Why did it get lengthened from 3-14 days?? 
I don't know what to do. I have the payment to the XXXX due on the XXXX and other payments coming due.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I was going through my credit report and I noticed that my auto loan with Toyota Motor Credit was reporting late. I had my payment automatic set for the amount that was set by the dealership and the bank that finance my Toyota. However, there were discrepancies on the monthly payment and I was not receiving the statement from the bank for the exact amount. Therefore, I was shocked when I reviewed my credit report and found late payment on the dates below : From XX/XX/XXXX - to XX/XX/XXXX - Please remove those late payments! 

I am not sure how these happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.
Product: Checking or savings account

Dispute Number : XXXX Date of Transactions : XX/XX/2023 {$500.00} Non Citi ATM XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX This has been one of the most incompetent processes that Citibank has made me jump through since last XXXX. I can not believe that it has taken me 9 months after I was the victim of crime to get to a point where today, I still had to spend 1.5 hours with 5 of the most unhelpful call center agents to try to explain that I have still not had the above transactions returned to me. I was told that the review was under investigation but it is clear that you were expecting me to forget. 

These transactions were included in my last dispute appeal that you approved but for whatever reason you didn't refund me. All of these transactions/withdrawals happened on the same night within a few hours of one another so WHY WERE YOU SELECTIVE in what you were refunding me. These cash withdrawals were not me, they were criminals as is outlined in my police report. 

I have again attached my evidence to this complaint. Please, for the love of god, fix this once and for all or I will be removing all my, my wife 's and my families assets from your toxic company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sold our house, relocating for job from XXXX to XXXX and applying for rentals. One rental utilizes TransUnion 's service. I had my identity stolen and have whatever service the 3 credit bureau 's put on your account. I was asked to confirm my identity, but failed online and over the phone with TransUnion. Waited on hold over 6hrs for ID verification. Was put in touch with someone who spoke broken XXXX, asked to speak to someone who spoke fluent XXXX, only to get put back into original cue at start. They stated to go to annualcreditreport.com to get free credit report. I was able to get ID verified and reports for XXXX and XXXX, but again kicked out by TransUnion. For help TransUnion sends you to a XXXX page that is littered with similar issues and a rating of 1.4. How is it that a company like this is allowed to be in control of such sensitive, critical and important information that holds our financial lives at stake. I move in less than 2 weeks, have no place to live and I'm sure this won't be settled in a timeframe that will help. I have no idea what to do at this point Please help.
Product: Mortgage

Back in XXXX my home was burglarized and caught fire. We lost everything that was in the home except for the clothing that we took on an overnight trip with us out of town. We was put up in a hotel for almost 2 mths and during that time we was only given {$2500.00} from our insurance company until they finished there investigation ( which took 6mths ). During that time our funding was limited therefore we had to use some those advance funds from the insurance company to purchase clothing, appliances, personal items, Rx medications, formula, bottles, XXXX, an apartment, school books and etc. During this time Selene expected us to continue to pay on a structure that was NON-habitable. We were not able to pay on that structure, repurchase items that were lost and for new housing. So our insurance company sent a letter to Selene Finance and they accepted the settlement amount from the insurance company for {$83000.00} in which they cashed and they signed and agreed. However we were still receiving statements and the mortgage was being reported late for years after that settlement was accepted. Not only that but once we were able to get a home through a XXXX, the monies for the land value depreciation of {$31000.00} in which they would not release there name from off of it after they cashed the settlement checks about 2 yrs earlier and we ended up having to turn it over to them. Now they still reported our home as a foreclosure. We did the DIL in which they stated that the Loan has been XXXX out however they are still stating that we owe them. We do not know what we owe them additionally to this date and why? We do not understand why they took the {$31.00} check when it was not there 's after they agreed upon the settlement check. We do not know why they still reported it and caused the credit ratings to be in shambles for years. Since we were n't able to abide by the agreement upon the XXXX the home we moved in was sold because of the funds from the {$31000.00} check was no longer available. Now we are trying to move forward with purchasing a home and we have requested that they provide us with ALL documentation regarding the XXXX documents that we signed and they signed and agreed upon and they have been very rude about providing it. We have emailed them several times, we have called several times. We keep receiving the same correspondents but nothing else. Can you please assist because I am ready to move forward legally because they have stolen from me, ruined my credit for years, and now presently hindering me from purchasing a new home for my family in which I have lost earnest money because they have failed to supply me with the documentation that I needed.
Product: Payday loan, title loan, personal loan, or advance loan

This company has harmed me personally as a minority XXXXXXXX XXXX  by XXXX me via coming to my house without permission and leaving sensitive documents on the porch where a worker could see them as well as my neighbors. There is not business at my house. This company retaliated against me per my complaint to BBB, Attorney General Office, CFPB and FTC in an attempt to silence me. We are entitled to the compensation for the XXXXXXXX XXXX fine levied against Enova International for deceptive practices, poor business and technology tools. We have lost income as a result of them invading my privacy by disclosing sensitive financial. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Their efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated. Yet, there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

PORTFOLIO RECOVERY representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$4700.00}.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I was in an accident with the vehicle in question and it was deemed a total loss by my primary insurance company and I also had a gap policy. Both insurance companies have paid on the claim and the lien company I had cosigned with for the vehicle documented that they would release the title to me once payment was made and I have not gotten the title and they are continuing to bill me for an additional amount that was left over after the payments were made to cover the cash value of the car in full. The problem I am having with the finance company is that they have not released the title and are continuing to bill me for a balance that was discarded between them, myself and the two insurance companies. I do see that this has been a problem with a previous customer
Product: Vehicle loan or lease

XX/XX/XXXX of 2021, after leasing the car for 3 months, I was involved in a not-at-fault car accident. I informed the police XXXX that I was leasing the vehicle and the lender and I were both listed on the police report. I was told on the scene by the police XXXX that the car was totaled and needed to be towed from the scene. 
XXXX weeks later, I called the at-fault drivers car insurance to get an update on things and they informed me that they would be going to look at the vehicle, with continued contact with them they still hadn't inspected the vehicle, they informed me they couldn't locate the vehicle. 
Around the XXXX of XXXX I went online to make my car payment, the website instructed me to call the lender instead. Upon calling they informed me that my car had been impounded due to the towing lot informing them of abandonment after 11 days on the lot. The tow lot did not call me, nor did the lending company call me to inquire if I had abandoned the vehicle. Even though, it had been brought in with the car that hit me, there was clear evidence of a car accident, and I was up to date on my payments. The at-fault insurance also looked into the notification of abandonment to the lending company and found no evidence of such notification. I was then told I wouldn't be able to get my car back without paying the impound fee on top of the car payment and that I had 3 days to pay that before it would be officially repossessed. 
I was not notified of the impounding before I called them in attempts to make my payment, even without a vehicle. I was given no other alternatives even though my car shouldn't have been impounded or repossessed in the first place. 
I proceeded to try and work with the insurance company and the body shop. XXXX of 2021, the body shop informed me that they would pay the impounding fee and transfer the bill along to the at-fault drivers insurance so that they could make an accurate account of damage and repair. The lending company then denied the paying of the impounding fee, saying that the car was set to be sold at auction at that point. 
After selling the car at auction, I was notified of owing a deficiency balance of {$3300.00}. They eventually sold my debt to a debt collector, now I am being sued for the remaining balance. Even though my car shouldn't have been repossessed in the first place, they would have still been receiving payments from me had I been able to get my car back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX  Account XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 

XXXX15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : XXXX XXXX A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you, Equifax has received all information that was asked for and is still allowing the account to maintain on my credit report although I sent in all documentation that was needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX, Ohio XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Student loan

Referencing : Case XXXX XXXX XXXX/XXXX/XXXX I was inquiring about the Navient Law suit and I was n't sure the process of seeing if i qualify for a reimbursement of the student loans charges on my account. Navient Acct : XXXX Amount owed : {$84000.00}
Product: Debt collection

I have notified this company several times that this XXXX bill was included and discharged in a chapter XXXX bankruptcy discharged XXXX/XXXX/2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong address, the address of a life insurance company suddenly popped into my list of addresses ; alongside my XXXX  actual residences.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) 2 ALSO I am writing to formally CONTINUALLY dispute an inaccurate entry on my credit report. The entry in question is a charge-off from XXXX 's XXXX Synchrony Bank with a past due balance of {$2300.00} Account Number XXXX. This information appears on my credit report with XXXX, XXXX, XXXX, and XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I believe the reporting of this charge-off is inaccurate and does not meet these standards for the following reasons : I have not received a 1099-C form from XXXX 's XXXX Synchrony Bank, which would indicate a cancellation of debt. The absence of this form raises questions about the legitimacy and accuracy of the charge-off reported. 
The balance and status of this account may not accurately reflect the current situation. 
I request that you remove the inaccurate information on my credit report. Please provide me with written documentation of your findings and the deletions made to my credit report. 

This is an ongoing issue with Syncrony/XXXX  XXXX . Income should not be reporting on Consumer Reports.
Product: Debt collection

Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account XXXX, XXXX XXXXXXXX account XXXX and XXXX XXXXXXXX account 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.