23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been attempting to make a payment on my Huntington Voice credit card, for over a month, but have been unable to due to an error message. Stating the following ; " One or more payment accounts below have been flagged by your financial institution for routing number and/or account number issues. Please contact your financial institution to confirm the payment account information and if needed change the payment account as necessary. '' I have contacted Huntington bank reps. Numerous times to get this resolved and after over 1 month since my first complaint I am still unable to make a payment online. 
I work XXXX ( leave for work ) and typically do not get home until after XXXX. Making a payment online was part of the original agreement i entered into with Huntington bank. On my latest contact with a Huntington bank rep. on X/XX/2017, via a Live Chat through Huntington Banks ( HB ) own platform, it was implied that their is some sort of security restriction Huntington added to my account that prohibits me from making an online payment. I have no idea why and Huntington refuses to provide any information confirming or explaining why. I have not received any correspondence via USPS, Email, Verbal or Text that my account has any restriction for payments During my live chat with a XXXX rep. : - I explained I was unable to add my external checking to make a payment online. 
- I explained my need to make a payment online due to personal restrictions. 
- I have been charged late fees the last few months - After several minutes of researching the HB Rep confirmed the error message but incredibly refused to help me or forward my issue to the  appropriate department. I was literally lost for words. Can you believe that, Huntington literally refused to help me or forward my complaint. WOW! 
Additionally, XXXX is providing untruthful statements to me, e.i. the error message is untruthful. 
- I am beginning to believe Huntington bank is deliberately trying to ruin my credit due to my previous valid complaints. If this is not an example of some sort of retaliation, please find me a more accurate reason for all these issue I have had with them.
Product: Mortgage

Our home was impacted by Hurricane Ian ( XX/XX/XXXX ) it sustained substantial damages including roof and water damages loss of use due to mold and the roof coming off the home. We filed an insurance claim and have been sent a partial payment of our loss which had the mortgage company 's name on it. They have held the monies {$73000.00} in an restricted escrow account ( XX/XX/XXXX ) and have not released any monies to us to start repairs on our home even after submitting documentation to support ( XX/XX/XXXX ) that we have paid out of pocket to start the repairs including electrical work, a deposit on the roof and money to attempt to repair the air conditioning unit. We have been trying to get funds since XXXX. We now have paid the roofing company to get the roof on {$9900.00} and they the company still has not released the funds and we get different amounts that they say they will release and some agents say that they will release 25 % would be approximately {$18000.00} which would cover the roof but then we get another agent that said that they will only release {$10000.00} ( XXXX in resolutions dept XX/XX/XXXX ) due to the status of our mortgage at the time of loss which was in a modification status ( which was approved ) and the mortgage company does show that our account is current. Our home continues to deteriorate because we can not get the repairs done with out the funding. We can not get the company to release the funds. We are unable to live in the home due to the damages and will continue to incur costs above our normal budget and put us further behind and continue to put us in financial hardship. I have called to the loan modification department to see if they can talk to the claims department to advise of the status and was told it does not matter and they will not change it. We offered to provide the company with the copy of the work permit signed by the county showing that the work had started and that they should release the funds and they would not accept that at proof. They have scheduled an inspection on our property for XX/XX/XXXX which is the earliest that they will come out and that would only to release the roof funds but the roofing company will likely put a lien on the home because I do not have the funds to pay them the final payment for the roof as Loan Care claims department will not release the funds. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXXXXXX XXXX  ( Account Number : XXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX  has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I XX/XX/year>
Product: Credit reporting or other personal consumer reports

A few months ago, I tried to login to my credit karma app and I got a message saying Transunion and XXXX could not provide a credit file of myself. I do have a credit files, so I dont understand the mistake on the credit bureaus end. I had 2 accounts in total on my Transunion credit report 0 accounts on my XXXX credit report. I have attached proof of my claim. I contacted Transunion and XXXX and they both stated they didnt have a credit file. Transunion supposedly did an investigation for a week and added so much debt on my credit report that doesnt belong to me which not mine just to make a credit file ( which is illegal ). I contacted XXXX and they still havent given me information on why my credit score or account is refreshing. I called customer service at XXXX and they told me to provide my ID so I will be attaching that as well. XXXX XXXX and XXXX XXXX could not retrieve my credit information from Transunion and XXXX. 

I have been going through this tough time for months now with no response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

We received a modem for our childrens schooling. Was supposed to be free for first 2 months. We never used it and returned it. We were billed. I contacted XXXX  and they agreed. Now we have a bill in collections for something we never even used or have anymore. We were assured it would be taken care of. Now debt was sold with no explaination. Never even received notification for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  Balance : {$16000.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed
Product: Mortgage

XXXX : First complaint filed with CFPB Complaint Number XXXX ID FOR COMPLAINT SENT TO THE MONEY SOURCE INC . 
XXXX On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be the servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT  XXXX Tel : XXXX Email : XXXX And XXXX  gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX  Account No : XXXX XXXX XXXX ( new servicing company ) TMS informed me that my first mortgage payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

TMS was supposed to transfer this amount ( {$800.00} ) to XXXX ( new servicing company ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which I remitted to it would be transferred to MrCooper.com, but it did not. 

On XX/XX/XXXX, XXXX XXXX of TMS called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not receive {$800.00} from TMS.

I filed a complaint with CFPB, and TMS responded that it remitted {$800.00} to XXXX 

On XX/XX/XXXX, I called XXXX, my current mortgage servicing company and spoke with one XXXX XXXX. 

She said that on XX/XX/XXXX, XXXX wire transferred {$800.00} to XXXX, but on XX/XX/XXXX, the money was returned due to insufficient fund. 

Please see the attached statement by XXXX, showing the return of {$800.00} to TMS due to insufficient funds.

I would appreciate very much if you could ask TMS to refund me {$800.00}.
Product: Mortgage

My name is XXXX XXXX. I received a notice saying Loan Care ( mortgage company ) couldnt accept my payment I made via XXXX service and check was returned. 

I did not make this payment via check it was through XXXX  payment service which I have used in the past with your company ( XXXX payment ). This payment processed and confirmed funds out of my account. 
I spoke with agent on XXXX  and he stated that on Loan Care dont have payment reflecting. 

I attached a photo of proof of payment to company. My XXXX XXXX reference number is XXXX. 

Also I made a payment in XX/XX/2023 that my account is not receiving credit for either. 

I would like my account updated as soon as possible as this is reflecting on my credit.
Product: Prepaid card

I was sent an offer for a prepaid card in the mail that included a printed card with a pre-activated account. I did not ask or authorize for this account to be created. This type of advertisement is dangerous as the card could easily be activated without my consent. I tried to contact the company, but am unable to reach a representative at any of their numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to have them removed but unsuccessful
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXX dated XX/XX/22 appears on consumer reporting agencies reports. No disclosures were given for this hard inquiry.
Product: Credit reporting or other personal consumer reports

Personal Statement Personal Statement Personal Statement Personal Statement THESE INQUIRIES WERE UNAUTHORIZED AND I AM A VICTIM OF IDENTITY THEFT -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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

The vibrant auto loan belongs to my ex. Divorce paper signed by the judge supplied. Paperwork clearly states the separation of debts. Unable to talk to reps because Im not the primary account holder they refused to talk to me but yet continue to acknowledge the debt holder being me I supplied proof and they continue to deny, without providing further explanations
Product: Money transfer, virtual currency, or money service

I had my cash app was closed a while ago and was told that I could open a new one soon I tried that on XX/XX/year> and tried to verify the account on XX/XX/year> but when I put my hand in to verify it it gave me a message saying that it was closed how can It be closed when it was never open or verified to beginning with and after I was told that I could open a new one and that it was reset so I could verify it I have talked to them on the app and over the phone and keep getting the run around is there any way you can give me legal advice to sue them I don't do bitcoin with it just send and receive money from my family and friends no larger amounts unless it's to my sister for rent I don't understand this company and how they treat people
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

I am out of work for XXXX XXXX XXXX my company was aware, also aware I was trying to work with a hardship found to get help, credit acceptance called several times and when asked told me I was not in danger of repossession however repossessed my truck today. The payments were XXXX on a XXXX used XXXX XXXX. Having bought the truck in XXXX this is the second time it has been repossessed. My research shows there is a law suit in process against this company for high interest loans and repossessions against consumers.
Product: Checking or savings account

I was on checking and savings accounts with my Mother. She passed away on XX/XX/XXXX. I also had Power of Attorney for my Mom 's Estate. 

On XX/XX/XXXX, I sent a letter to the Bank explaining the situation and asking that the accounts be closed and the proceeds sent to me for distribution. I included copies of my Mom 's death certificate and Power of Attorney, along with identifying information for the accounts. A few days later I received a phone call from a " Life Events Specialist '' acknowledging receipt of the letter and inviting me to call her with any issues. After several weeks of hearing nothing, I called the specialist back at least three times, but never received a return call or email. 

On XX/XX/XXXX, I sent a second letter to the Life Events Department by Certified Mail, asking that they contact me about the status of closing the account. I also sent a number of emails, both to the generic email address for the Life Events Department and the specialist who originally called me, but again I received no communications. 

Frustrated, I simply transferred the savings account balance into the checking account, and wrote myself a check depleting the account. 

Now I am getting letting from the Bank charging me monthly fees and threatening that if I do not pay them, I may be subject to "... Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain service at other financial institutions. '' It should not be this difficult to close a small savings accountant and checking account, and at every least, I desire the courtesy of a return communication to my multiple letters, emails and telephone calls. I would appreciate any assistance you can provide. 

Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  OPEN XXXX BALANCED {$370.00} late payment of 30 days in XX/XX/year> and 60 days in XX/XX/year> ( delete late payment ) XXXX XXXX XXXXXXXX XXXX BALANCED {$950.00} late payment of 30 days in XX/XX/year> anXXXX XXXX XXXX XXXX OPEN XXXX BALANCED {$820.00} late payment of 30 days in XX/XX/year>