23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My wallet was stolen on XX/XX/2016. It contained XXXX credit cards and a debit card along with my driver 's license. XXXX credit card XXXX Huntington Bank XXXX XXXX was used to make a fraudulent purchase, which alerted me ( via text XXXX to the theft. I contacted the Huntington Bank customer service and reported the card stolen. New cards were issued to me. On XX/XX/2016, I met with a banker at a branch office. I was told a comment was entered to ensure account security. I was not contacted by the Huntington Bank fraud personnel after my initial notification to them. I reported the driver 's license and second credit card stolen the the appropriate issuers and received updated documents/cards. I filed a police report and reviewed surveillance footage at the store where the card was used. I identified the person using the card as the person sitting next to me at a restaurant. 
About XXXX weeks later, I received a letter in the mail requesting my notarized signature disputing the fraudulent purchase. I signed the statement and mailed it to the address provided. Funds were returned to my credit account. 
Around noon on XX/XX/XXXX, I received a text alert that my Huntington Bank checking account balance was below the set limit. I logged into my accounts and noted that someone had withdrawn nearly all the funds from my checking and savings accounts. I went to my local bank branch within XXXX minutes of the transaction post and learned that someone had entered a bank branch inside a XXXX store in XXXX, MI XXXX out-of-state ) and filled out a withdrawal slip to deplete my funds. According to the assistant XXXX, the banker who conducted the transaction looked at the driver 's license and thought the person looked " enough like '' me to consider it a valid identification. The banker also stated that the person knew the balances in my accounts. The signature on the withdrawal slip does not resemble my signature on file for my bank accounts. The XXXX store had not been contacted to secure surveillance footage XXXX the branch is inside the store ) and the XXXX Police Department had not be contacted of the theft. I went to the branch again the following day to let them know that the funds had not been returned to my account. After repeated attempts by them to speak to an XXXX, the funds were returned to my account before noon. No XXXX has contacted to verify how the bank intends to rectify the compromise to my accounts and information. I am still not aware how the person knew my account balances or why the banker did not protect my funds and my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 Transunion. 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 n remove the inquiries 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX which lists XXXX XXXX  as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the Equifax data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the Equifax data breach claim when I have already provided my claim number, then please contact the collection agency and Equifax, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, XXXX XXXX  has the possibility of being taken to small claims court per violation of the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Nexus reported inaccurate Bankrupty information to XXXX, XXXX and XXXX. As a result I've been denied credit. I have confirmed with the Federal court that they do not provide information to these Credit Bureau 's.

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Debt collection

Debt to XXXX XXXX was sold to debt collection. Original debt was taken out in or about 2013. AD ASTRA ( XXXX ) for XXXX XXXX was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct 3 credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX 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

XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX MISSOURI Balance {$430.00} Balance updated XX/XX/2023 NATLCRSYS Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XXXX XXXX, 2023
Product: Mortgage

I have filed complaint after complaint. Ocwen started threatening me with foreclosure due to a second mortgage that was discharged in bankruptcy. I was advised by the bankruptcy attorneys to refile bankruptcy to stop the foreclosure until they could correct the error they made in not filing the lien strip even though the money was discharged. I did just that. I wrote the courts and advised I was paying monthly to the courts even though my debts were discharged. To no avail. The case was dismissed several months ago. Now Ocwen wants the entire balance paid. On XXXX XXXX 2015 I called Ocwen and asked for a payment arrangement. The agent did n't ask any financial information but told me I had to pay XXXX in 2 days and another XXXX in 3 weeks and XXXX monthly. I could do that. I asked for the XXXX. I was told it would be sent out on XXXX/XXXX/15. I called Ocwen a week a letter asking for the modification packet. I was told it was sent out. I asked what address it was sent to. The agent gave me an erroneous address. I stated that back in XXXX I updated my address with Ocwen. I advised them I had the employee repeat the address twice and he got it correct. I advised I did n't receive the packet. Someone changed the address in the system. The employee advised it was faxed to me. I stated I do n't have a fax nor did I provide a number. He then stated oh it was mailed. As of today I have n't received it. I asked Ocwen what did they mail out to me. They mailed out foreclosure papers. I advised I did n't get anything because the purposefully sent it to Georgia. I asked if it was certified they stated yes. But could n't state who signed for it. I advised them i felt it was illegal to try to deny me the right to keep my home and foreclose without my knowledge. I set up a payment arrangement today. When I received the email it was entirely different than what we agreed on. I am pleading with CFPB please look into this. I a. Doing my part. I advised the agent I will take out money out of my XXXX for the town payment. He said ok as long as I could make the payment. I am willing to make an arrangement and request a modification but Ocwen is not working with me even though it 's there actions that have caused this situation.
Product: Bank account or service

XXXX, Ca. XXXX XXXX station. I attempted to take a {$200.00} with from my checking acct thru american express. And on both attempts I was declined. Due to a error code XXXX. Well I went home and contacted amex and filed a dispute claim. Denied XXXX XXXX so XXXX XXXX XXXX. After speaking to global ATM company and told to have amex do charge back I filed another dispute. Well its now 10 days and still no resolve. I 'm a XXXX citizen on ssi and I need my money back. All the CSR 's at amex are rude incapable of helping. Can not understand them as they are not fluent in XXXX. And they hang up on you
Product: Debt collection

OnXX/XX/XXXX,2019 I was notified that I had a new debt collector on my credit report at the time I immediately contact the company which was close at the time. I had no clue who this company was and why it came on my credit report. After doing research I figured out It was a company called XXXX XXXX XXXX and that someone had stolen my identity and utilized it to obtain a apartment in which Im guessing they was evicted from. I notify the apartment complex in which they didnt care at all. I also on Monday afternoon contacted Pro Collect Debt Agency in which I was put on hold twice before speaking to someone also the phone was disconnected in my face for no apparent reason. Upon finally getting in touch with someone who introduced himself as Mr. XXXX located in XXXX TEXAS  THAT WORKS FOR PRO COLLECT DEBT AGENCY who didnt seem to have a supervisor he claim he was the highest rank in charge. However he was so impatient, rude and extremely unprofessional with me and didnt care at all that my identity had been stolen or compromised and that they had made a mistake on their end. He didnt want to explain the fraud process to me kept putting my on hold for no reason and was not understanding or pleasent at all. Im already frustrated with this process dealing with Identity Theft this is overwhelming not knowing answers etc. To get treated like he treated me Is unacceptable.
Product: Checking or savings account

Ally bank put my account on hold due to the fact that I dispute a unauthorized ACH transaction from XXXX XXXX in the amount of XXXX dollars. It happen onXX/XX/2025 and I dispute as soon I see it, not even couple days. I have not share any of my account information with anyone, yet Ally Bank put the blame on me and is locking my account, not allowing me to use to pay my bills. Why is it that this fall on me as the consumer when Ally Bank fail to protect me without notifying, I did the best I could to report this unauthorized ACH transaction as soon I see it in my account. 

According to Ally Bank the reason my account is on lockdown is due to the fact that I dispute unauthorized ACH transaction from XXXX XXXX, which trigger this lockdown. The agent on phone that I have spoken to mention that they will be opening a case on my account and be reviewing my account. It seem to me that Ally Bank is not allowing me as the consumer the right to dispute an transaction that I did not unauthorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I have noted that my credit report was used improperly by the following companies and i have contacted all the parties involved, moreover In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Factual Data XXXX XXXX Factual Data XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX UNIVERSITY when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on 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  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, any discrepancies should be rectified.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account NumberXXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Prepaid card

I didn't apply for a card, and I have a hard inquiry on my credit report. Fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} I do not have a contract nor did l authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many problems with XXXX and XXXX in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My home depot credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again