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

Good evening, I have been a customer of Huntington BankXXXX XXXX , OH branch. 

I have been the victim of identity theft since 2018... was on the hook for some very expensive things, such as a home. I have been a client of the bank for a few years. 

I have had several fraudulent transactions on my account. Through the course of conversation ; I mentioned my past with identity theft, which I always do. The woman I spoke with made a note of I which I thought would be beneficial. The supervisor also stated it would help in the future... it clearly did not, in fact it had the compete opposite effect. 

I went in to the XXXX OH branch. Spoke with a bank rep ; asking if the checks would have any reason to require a hold. I was told absolutely not, in fact I drew on a few XXXX dollars. There was something that alerted the teller to something about my financial status ; which she attempted to forward me to a personal banker, which I refused. Furthermore I advised her of the poor and unprofessional treatment I received at my local branch as my reason. 

Which brings me to my point. Huntington Bank decided to put a hold on my $ XXXX deposit and REFUSED to provide me with the funds to close account. In fact the branch manager took it as far as to say she believes that my company check ; which I have deposited since the inception of my account; was FRAUDULET!! Therefore insinuating an upstanding citizen of society is somehow a thief.

Not only have I been refused access my hard earned/well deserved money during this difficult holiday season, I was accused of being a check forger and thief... banks that are divisive and accusatory have no right to be a part of the FDIC.

I did not choose to be a victim of identity theft. I should not be denied to get my monies
from Huntington either. 

Please Help!!! 

Thank you for your time and consideration. 

Happiest of holidays, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that there was an account located on my profile that did not have any information on it. Nothing about the alleged creditor/collection company. When I asked Equifax to validate the account, Equifax responded with the account was verified. How is a number verified? There is no information on this account. I have a right to know who my accuser is. Equifax is not behaving in good faith nor are they assisting me with having a fair and accurate consumer profile.
Product: Debt collection

Party in error : XXXX 's - Creditor XXXX Located in : XXXX XXXX MallAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXPhone : ( XXXX ) XXXXCollection Agency involved : XXXX GroupXXXX XXXX, XXXX XXXX : ( XXXX ) XXXXCase Reference number XXXXExplanation : I applied for the XXXX 's credit card, that this charge involves, in approximately XXXX of 2013, at the XXXX 's XXXX XXXX, XXXX store, at time of purchase The charge was for approximately 200 $ I applied for the credit card with the intention of building some credit as my credit history is blanko I have always paid for purchases and cleared up any and all debts with cash I was denied for the XXXX 's credit card at time of purchase because I had no credit history I paid for the purchase with cash I have not ever received a bill, credit card, notification or other indication that I had ever been approved for the card application After one full and entire year passed, after not having received a single bill or notification from the department store, I started to receive collection agency notices from the Northland Group for this charge I provided the following address with my application and since receiving the collections notice have been in contact with a billing specialist at XXXX 's to determine that they do have the correct contact information for my billing and home addresses ( address omitted here per instructions ) According to the billing specialist from XXXX the current charges include a year 's worth of late charges added to the account for delinquent payment on the account Because of the mix-up at the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist This billing and credit application error has destroyed my credit rating because it is the only item on my credit history. 
Other than this error in credit application cancellation, for a debt that was paid after the credit application was denied, I have nothing on my credit history. 
I do not even have a XXXX 's credit card number or any other reference for this case and charges as the credit line and card were never issued or mailed
Product: Mortgage

Shellpoint Mortgage Sevice Complaint. I have NEVER missed a single fixed rate monthly payment {$1400.00} since inception of equity loan with XXXX XXXX XXXX or Shellpoint. This equity loan ( Shellpoint assumed in XX/XX/XXXX to present ). Shellpoint refused to take XX/XX/XXXX payment that was due on XXXX & i tried to make payment on XX/XX/XXXX. I'm sure they have applied fees & charges. At no time did I contract with Shellpoint to hold escrow for property taxes & insurance & now charges fees. Shellpoint now applies their bullying, harassing tactics & most recent notice of Intent of Forclose. For over 20 plus years I have always personally paid these property taxes & insurance without escrow ever withheld by XXXX  XXXX XXXX. I requested Shellpoint STOP escrow of funds & they have refused to do so.Their reply proof of {$4000.00} + paid for taxes since these funds were not approved & illegally paid in XX/XX/XXXX by Shellpoint ( Proof only provided to me in XX/XX/XXXX ). They now apply fees, erroneous credit reporting & statements that make no sense. I had to trace tax payments by copy of Tax payments from XXXX XXXX tax clerk. I have since reimbursed the full amount that was applied as tax payments for XXXX while I reconciled tax payments with XXXX XXXX XXXX XXXX NJ that was due for XXXX & Shellpoint continue to make demands with their tyranical harassing demands. I also requested a paper 1099 form for XXXX which I not yet received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

Account numbers as listed on my report. 

XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX 15 USC 1681 Section 602 ( a ) States I have a right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) States a consumer reporting agency can not furnish a account without the written instruction of the consumer.

You have violated my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX Equifax, XXXX, & XXXX XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance XXXX and auto loan agent refused to hold regarding my insurance XXXX at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore ONEMAIN FINANCIAL was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, ONEMAIN FINANCIAL has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : ONEMAIN FINANCIAL Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) XXXX ( c ) ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via docusign to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ) and XXXX File Number : XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently sent XXXX and Experian a police case number # XXXX, XXXX XXXX Sheriffs Office in reference to the following fraudulent and unauthorized accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. The accounts are fraudulent and dont belong to me at all. I been receiving harassing and threatening phone calls of abusive and profane language, death threats, threats of taking legal action against me, having me arrested and put in prison for life, daily around XXXX XXXX and around XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX Representatives for over 2 years. This is a serious and egregious violation of The Fair Debt Collection Practices Act under Federal law. The accounts are fraudulent and dont belong to me. The following credit inquiries dont belong to me : XXXX XXXX and XXXX XXXX XXXX The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.
Product: Money transfer, virtual currency, or money service

I borrowed XXXX dollars and repaid but theyre still claiming I owe them and are charging interest
Product: Credit reporting or other personal consumer reports

I demanded Equifax for a deletion of all personal identifiable on my consumer credit report with the expection of this XXXX name, address, and phone number. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Place # XXXX, XXXX, GA, XXXX ( XXXX ) XXXX Due to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

This case was taken to arbitration and an award was won in 2019. The money damages and the home were never recovered.
Product: Debt collection

On XX/XX/XXXX Midland Credit Management opened a collections account in the amount of {$710.00} on my credit that does not belong to me and reported it to both XXXX and XXXX negatively effecting my credit score it was last reported on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> I made a payment to my sons auto loan Acct XXXX XXXX XXXX XXXX I used the coupon for the auto loan with my check. Both the Auto Loan and the Checking account check are with the Bank of America. 
On XX/XX/year> I was informed by my son that a notice was sent from Bank of America that the auto loan was not paid. I went to my local Bank of America branch in XXXX XXXX  and the Branch XXXX XXXX XXXX informed me the auto loan was wrongly deposited to my credit card account by the teller at the XXXXXXXX XXXX  branch. As a result the auto loan reflected it was not paid. 
On XX/XX/year> the deposit that was meant for the auto loan payment and improperly went to the credit card account was credited, The {$300.00} was removed from the credit card account. 
However as of this date XX/XX/year> my {$300.00} is unaccounted for. I have made repeated calls to both the Bank of America Credit Division and Auto Loan division and neither can inform me where my {$300.00} went! It did not get returned to the original Bank of America checking account from which it came from, nor was it deposited to the original auto loan for which it was intended. 
Please investigate this issue as Im distressed that a bank is not accounting for my missing {$300.00} for over 6 weeks and counting. 
In the mean time I have been paying the auto loan on time to avoid late payments and have the loan reflect that it is not being paid.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report XXXX XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX Never Late Please Update paid off
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I wrote Transunion credit reporting agency detailing several inaccurate reportings on my credit file. The company did respond but did nothing to fix any of the inaccuracies. I have the reports attached showing the inaccuracies and I am requesting these be removed according to the FCRA 15 USC 1681e ( b ), as these accounts are not showing the maximum possible accuracy, the open date, and the date last active are not accurate. They have had ample time to correct the problem and have done nothing so far. They have ignored my request for a review, avoided my request, and done everything they could to avoid fixing the problem. I would like my rights to be upheld and the continuous violation of my rights to cease. 

The account that am requesting be deleted for reporting false, incomplete, and inaccurate information is XXXXXXXX XXXX XXXX XXXX XXXX amount XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents The date last active is incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to Experian to dispute an inaccurate entry on my credit report in regards to XXXX capital XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXX XXXX accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/2016 XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX XXXX, and Experian, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Product: Checking or savings account

I have attached my affidavit which describes that fraud amount, the way the fraud occurred and follow up conversations with Chase Bank Fraud and Customer Service personnel. It also details the transactions, the phone calls on those days referred to in the affidavit and responses from Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

few accounts are reporting inaccurately and fraudulently under my expeiran and XXXX  and XXXX credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you