23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding inaccurate & unknown things that I have on my credit report. It's been two month today & I still can see those innacurate & unknown things on my credit report which means they didn't do anything about my problem. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been 60 days today so they should be deleted immediately. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial Services has made several errors on my credit report. I have tried several times to fix these errors with them and through the three major credit bureaus. I have not had any success. I am hoping to get the information fixed. 

The accounts that have errors are : Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Listed as charge off in XX/XX/XXXX and XX/XX/XXXX. We didn't even own the car anymore.
Product: Checking or savings account

on XX/XX/2019 there was a ATM deposit of XXXX then XXXX credit to the student account. the ATM Number and Location : XXXX - XXXX - XXXX, IL. I also see two checks dated XX/XX/2019 for the amount of XXXX with this number XXXX on top right front corner and top has a Sequence No. : XXXX XX/XX/2019 for the amount of XXXX with this number XXXX on top right corner and top has a Sequence No. : XXXXchecks read XXXX  of district XXXX XXXX  XXXX  XXXX BANK and on the back show US Bank  ATM XXXX XXXX XXXX XXXX MN XXXX. This is why my savings and checking account is frozen due to this problem. Can you please help resolve this issue thanks.
Product: Checking or savings account

I am looking to close my checking account with Huntington bank. I have live chatted and called into Huntington to try to do this, but have been unsuccessful. It sounds like I either need to go into a branch ( and I don't have any near me ) or send a signed notarized letter in the mail with my account information to close the account. I am really just looking to get the account closed without having to go through these complicated steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my credit report XX/XX/2021 that I had a late payment to TD Bank/Target of {$290.00}. 
When I checked my amount there was a zero balance. 
I called TD bank and spoke with an employee who told me she could take the late charge off but I would need to dispute the derogatory late report on my credit. 
I did an online dii I dispute, but was denied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I have us bank they reverse the credits that they put on my account one {$230.00} and one for {$52.00} And for {$53.00} $ and one for {$33.00} now i'm overdrawn {$480.00} they should put the credits towards my account they made the mistake and it is their fault they let XXXX XXXX XXXX charge my old debit card now they are paying them now I don't have enough to pay my rent or my storage room or my life insurance or my pharmacy if I write the three checks are and they balance are they going to pay them out of their own pocket no they won't
Product: Student loan

Ok i was on the Income driven repayment program through Navient that i signed up for last year around mid XX/XX/XXXX. The program is suppose to cover payments for a period of 12 months and you just have to re-apply. I wa approved and required to pay {$0.00} for 12 months. I ended up having to file for bankruptcy to get a fresh start at the end of XX/XX/XXXX. I was still enrolled in the plan and was covered until XX/XX/XXXX. Navient reported me as being 90 days late which hurt my score during this process. They reported this in XX/XX/XXXX which makes no sense because it shows no negative reporting  anywhere else but that month only! They also put my loan into deferment without my consent after reporting me 90 days late. Then only about a month later they took them out of deferment ( again i had no clue all of this was occuring ) and posted i had a bill due XX/XX/XXXX for {$300.00}! I never got an email or call notifying me of  any of these changes! Luckily something told me to check and im glad i did because if i didnt they would said it was a late payment. I called to tell them that this was super unprofessional and the reason people default and tried to get back on my previous plan i was told it takes about 7-10 business days for me to receive the application in the mail ( i tried online and it tells me to call them for some weird reason ) and that when they receive it that takes about 15 business days to process it. Thats crazy because she tried to postpone my payment for only a month until i could apply for the plan which is setting me up to be late! I had to tell her that and make her extend it two months to make sure i could meet the deadline. After the call for some random reason i then received a ton of emails from them with so many different payment dates and different payments im now confused. Why does this company exist!?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage " hard inquiries '' that should have concatenated due to shopping around. 

These mortgages add up to {$210000.00} of debt that should not be in my name. 

I caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. 

I filed the complaint in the beginning of XX/XX/XXXX, and received a " completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. 

I tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! 

I can't access their online report at " XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? 

This company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. 

I don't understand how Equifax is the only one reporting this incorrectly.
Product: Checking or savings account

Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.
Product: Credit card or prepaid card

MADE A PHONE PAYMENT WITH CAPITAL ONE .THE PAYMENT I MADE ENDING IN XXXX WAS PUT TO ANOTHER ACCOUNT, AND WHEN I CALLED XXXX XXXX XXXX ABOUT MY PAYMENT TO CAPITAL ONE THEY SAID IT CLEARED ON XXXX XXXX. TWO DAYS LATER CAPITAL ONE WAS EMAILING ME TELLING ME MY PAYMENT WAS LATE AND ETC.WHEN I CALLED CAPITAL ONE TRYING TO CLEAR IT UP EVEN GIVING THEM A NUMBER FROM XXXX XXXX THAT THE PAYMENT HAD BEEN PAYED THEY ALMOST SAID THEY WERE LYING AND DID NOT KNOW WHAT THEY WERE TALKING ABOUT THIS WAS HORRIBLE. THEY FINALLY FOUND MY PAYMENT ON ANOTHER ACCOUNT AND SAID I MADE MY PAYMENT TO THAT ACCOUNT WHEN XXXX XXXX SAID I MADE THE PAYMENT TO THE ACCOUNT I WAS PAYING, CAPITAL ONE MADE THE MISTAKE AND DID NOT WANT TO TAKE THE RESPONSIBILITY OF IT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on Experian, XXXX and XXXX. 

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

I recently reviewed my credit report and noticed several inquiries I did not do. I do not recognize these accounts. This information is inaccurate. Please remove and update my credit 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 I am attaching the following : Driver 's License Social card Current Bill Theft report
Product: Debt collection

Midland Credit Management INC. Keep trying to send me to court, threatening to sue me for an account for {$3000.00} + that I know nothing about. I keep asking for proof, yet they cease to provide.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAP ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Product: Mortgage

I had surrendered the property in XXXX to the initial mortgage company only to find out that the loan was sold over and over again. I began to notice that I started to receive tickets for the upkeep and abandonment of the property through the city and later found out that the property was still in my name. through research from a property search, I was provided the new mortgage company information and attempted to obtain some form of resolution for the next 2 months with being put through a cat and mouse game. I had tried to sell the property but was unsuccessful without the release of lien. next, I am offered a deed lieu and when I follow up I am then told that they have an unrecorded deed lieu from XXXX. I continue to phone the company and ask when they would file the deed lieu and be told that I was offered a consented foreclosure and would not be held financially responsive if I agreed. now that offer is still available but no documentation has been sent to me and it is now a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these 11 90-day late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( IQ DATA INTERNATIONAL XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to IQ International, INC on behalf of XXXX XXXX ( XXXX  ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to XXXX reads {$1600.00}. 

( Proof has been included below )
Product: Student loan

My student loans where included in my XXXX XXXX XXXX in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with experian.Ive been calling them for almost two weeks.no answer .well an Ai picks up.I wanted to call them and let ythem know my profile is incorrect and they never had my permission to sale my personal info to another collector According to 15USC1682b my rights were violated and also 31USC5118 United States government is responsible for all debts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My ex husband and I had a joint account that was supposedly been offset and closed. Ive been inside XXXX, Tn Regions branch to get my name taken off the account apparently the teller did not do his job. Ive also called numerous of times for my name to be taken off the account and closed. However, my ex husband whom is supposedly banked with Regions as well have a few things coming from the account that he did not stop so according to Regions since it is a joint account and with my name on it the will take the money from my new account since it is active and available instead of the person they clearly see who fault it is. This is the first time that it happened which was XXXX XXXX in the amount of {$190.00}. I spoke with several people about this issue they all gave me the same excuse, nothing can be done. As of today, XX/XX/2022 the same issue arise there was amount of {$57.00} taken from my account due to my ex husband issues as stated before. The account apparently was reopen because of my ex husband mistakenly depositing {$30.00} into the wrong account. The joint account was offset for at least a month before this issue. There was also another fee on XX/XX/2022 in the amount of {$170.00} that was taken out of my account from Regions that I was unaware of. I have been banking with Regions for awhile now and I am very disappointed in the lack of concern they have shown. The entire situation is unfair and disheartening to the point were I no longer want to bank with Regions.
Product: Debt collection

on XX/XX/2022 I sent debt collector " Lakeview sub serviced by XXXX XXXX XXXX XXXXk '' a written request of debt verification and also a written itemization of the Finance Charge and Amount Financed on XX/XX/2022 it was delivered and picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.