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

I submitted several disputes to Experian that they are reporting the same account on my credit file more than one time. They will not correct this.
Product: Vehicle loan or lease

In XXXX I made a payment online with a ach from my bank account. The thunderstorms caused a power surge. When I logged back in It had processed my payment twice. I contacted lender, they refused to assist me with canceling 1 duplicate payment. I informed them I would have to place a stop payment on duplicate 2nd XXXX payment. I called prior to have their agreement. The clerk agreed and noted my account. 
Then In XXXX I attempted to make my payment online through the app. It processed the payment, then 2 days later reversed it. I called the lender. They said I had a returned check in XXXX which was incorrect and would mot permit me to make a payment through ACH bank account. I had to either XXXX XXXX or overnight the money or by debit card. 
I explained I had their permission to put the stop payment on the second payment, it was a recorded conversation, not a returned check. I made the payment by Debit card against my wishes. I again requested they fix the block in the app so I could process my payment through my bank account.. They refused stating it was the computers decision. I requested a manager contact me to resolve. No one available or ever returned my call. 

Then in XXXX 2024 the app will not permit me to make a payment by check or debit card. Thus resulting in my inability to make a timely payment. It says account not eligible for bank payments or account not found I have never made a return check. This is strangulation in sn effort to cause me inconvience to either set up auto and or XXXX XXXX. Which neither will occur with this company. It is against the law for them to refuse my payments without lawful cause, notice, written agreement.This violates my consumer and contractual rights under federal law
Product: Money transfer, virtual currency, or money service

Im a 37 year military and XXXX XXXX, I made an allotment from my XXXX  401 ( TSP  ) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an XXXX XXXX ladies account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never ever be the same as another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 7.5 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them. 
The latest USAA representative XXXX XXXX from the office of the CEO stated with 12 million member the numbers could be the same with a members ID being someone elses account number? Really, we gave them the federal tracking number with all my information on it. USAA is still refusing to get my XXXX back, stating theyve attempted to contact the other account holder ( female XXXX XXXX thieve ) and havent heard back from her, and will not put a hold on her account. 
The customer service with USAA is the worst experience Ive ever had. 
I spoke with XXXX  XXXX XXXX and XXXX XXXX. And both said the same thing about the account and member ID numbers being the same for two different persons I made an honest mistake and USAA could care less TSP  and myself provided USAA with the 15 digit trace number also
Product: Credit reporting or other personal consumer reports

Third time company XXXX is reporting incorrect status of my account. SYNCBLOWES Account should be in an OPEN status. I have contact SYNCBLOWES and they have sent 3 forced reports to show account is OPEN & ACTIVE status. 

I requested XXXX to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. XXXX is INcorrect and not reporting accurately.
Product: Debt collection

Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX  dollar balance with XXXX.
Product: Checking or savings account

I opened up a checking account with Huntington in XX/XX/XXXX due to their advertised promotion, " To qualify for a {$400.00} cash bonus, you are required to do ALL of the following : 1 ) Open a new, Huntington Perks Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX. XXXX ) Make cumulative new money deposits into your new Perks Checking account of at least {$1000.00} or more within ninety ( 90 ) days from account opening. New money is defined as money that is not currently on deposit in any Huntington account ( except maturing personal CDs ). 3 ) Maintain an open account status in the eligible checking account for 90 days. '' I deposited {$1000.00} the day I opened the account. 
After I opened the account, I communicated twice with the bank to ensure the account was opened correctly with the right promo code and that I did not have to do anything further. I did this on XX/XX/XXXX with Huntington Employee XXXX XXXX XXXX XXXX. 
Sent : Friday, XX/XX/XXXX XXXX PM To : MY NAME XXXX Subject : RE : Question on new account that was opened XXXX There is no code needed for the promotion. You will get the bonus if you meet the requirements. XXXX XXXX XXXX Financial Relationship Banker XXXX  : SOME NUMBER HERE I specifically asked her to verify she did it correctly. 
From : XXXX XXXXXXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Question on new account that was opened XXXX XXXX Not sure if you missed my questions in the original email. Given your computer crashed/hung while setting up the account the first time, I just wanted to ensure which program I am on. 
I contqcted Huntington Customer Service on XX/XX/XXXX since I had not received the {$400.00} and they took all of the information and opened complaint case number is ; XXXX. However, yesterday XX/XX/XXXX, Huntington called me to tell me that they can not do anything to resolve this and that I would have to go into the bank and speak with XXXX to get this corrected. Given I asked her to verify everything was good to go previously and have to take off work to do this I am very displeased. The bank should be able to investigate this and resolve this at a corporate level vs branch level. They owe me {$400.00} and are making me perform additional steps for no reason. This is either extremely poor customer service or complete fraud to not pay the {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX account that is past the statute of limitation. Reporting to XXXX account with the same account number but with two different amounts and is also reporting accounts open when they're closed accounts not marked as sold or transferred accounts was sold but still showing balance shows difference with XXXX reporting accounts that has been paid in full or with zero balance
Product: Checking or savings account

XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance. 

The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank. 

12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.
Product: Debt collection

They are saying that I was involved in an accident and are going to take my drivers license and registration away. I have not owned the car since XXXX of XXXX, which I told XXXX when they called me about the accident. I have been repeatedly harassed by their phone calls.
Product: Credit reporting or other personal consumer reports

Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

XXXX has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part
Product: Debt collection

I was repairing my credit and i found a auto loan on my name in the sum of XXXX where there no repossession or payments make to this loan..i have sent letter to the company and never got a response and i also have dispute this debt for the last two years or so and they are refusing to remove it fron my credit and it causing me a lot of hardship with me trying to get my life in on track
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX  open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX  open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX  on 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've recently checked my credit report and noticed some inaccurate information on my report. This company is reporting late payments on my report. They have not sent me anything to validate the debt. I have never made any arrangements with this company for them to be reporting a late payment. 
I have not had any late payments in the past 4 yrs and this pops up on my report along with a late payment.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the items be investigatedto DELETE the accounts DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Mortgage

Roundpoint mortgage servicing company. Took.unathourized double payment for the month of XX/XX/ 2020. I was told by a supervisor that they put my money in principle payment which they then claim their system does not allow for reverse charges. This was quoted in presence of XXXX XXXX employees. The total amount taken from me is XXXX. I absolutely did not give permission and they have not sent me confirmation of what they did with my money ...
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally notify you that I am a victim of a data breach and that several accounts listed on my credit report are fraudulent and do not belong to me. As a result, I am requesting the immediate deletion and blocking of these accounts and inquiries under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of the fraudulent accounts and inquiries that I request be removed : XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00XXXX XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7100.00}
Product: Debt collection

we get calls randomly from Harris and Harris saying they are a debt collection agency and want me to call them at such and such number ... ... ... ..We have no outstanding debt and so I know its a robo call or something. We used to get them a year ago also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Bankruptcy information on my credit report. They are unable to verify it as when I reached out to the XXXX XXXX XXXX, they did verify that they do not report to the credit bureaus nor verify information. 
I am asking very graciously that this be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 which are found to be opened due to identity theft. The disputed 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 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital one Quicksilver. Charges were added to a brand new card. I called told them I did not purchase game at. XXXX. XXXX. They cancelled card issued new one. The new one came and I saw statement and charges were never credited back. The new card was already charged again with same fraud site again. I honestly think its capital one. Way of fraudulently not fixing problem. Hurting consumer credit when I tried to cancel entire card. Never helpful. Dont see them adding payments I have sent them. There is something very wrong with this card and no help from customer service. They just want to lock card and continue adding member fees. Please investigate. No one should have to deal with fraud in this manner. Hurts credit XXXX score mess now. Horrible ordeal!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX  XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that Equifax, XXXX, and XXXX remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.
Product: Credit card or prepaid card

promised to receive XXXX dollars in bonus coupon never sent tried twice with Customer service never sent False advertising!! Company is Old Navy credit card Me XXXX
Product: Checking or savings account

On  XXXX / XXXX / 2017  I went to a  CitiBank  Branch at  XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . I attempted to deposit cash into my checking account via the ATM. I made the first transaction a deposit of {$600.00}, I then deposited an additional {$180.00} into the same ATM  (  ATM #  XXXX  ). Instead of the ATM depositing the money into my account, the machine gave me a receipt stating " I 'm sorry, Because of technical problems, I ca n't return your cash right now. '' I immediately went inside of the bank and spoke directly to the ban k manager telling her what had happened and asking for her help to get the machine to eject the money back out. The manager sa id that she could do nothing and the machine would be locked until that Friday. The manager had me call a  XXXX  number on the back of my ATM card. with the receipt information. I called that number shortly after and was told that they are opening a case file and that I should call back the next day. The back manager also wrote the missing transaction amount on the receipt of {$180.00}.     I called back the next day and was told that it could take a few more days, each call back since  XXXX / XXXX / 2017  I have been given the same run around. Today when I called in I was told that the investigation would take another 30 days at least and to watch my email for the results. I have called in many times, and never get results. I feel that the companies plan is simply to make me wait until I give up, or I loose me legal options. For me the loss of {$180.00} is a lot, that is a bill or  XXXX  that can not be paid, or food that I can not buy. I really need help getting this resolved quickly.
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. 
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 has violated my rights. 


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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this XXXX XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX  - XXXX - {$3700.00} XXXX XXXX - XXXX - {$5100.00} XXXX/DOFED - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX