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

I received a text message from what appeared to be Huntington Bank asking me if I had authorized an {$800.00} XXXX payment to someone named XXXX XXXX I was prompted to text Yes or No if it was an approved XXXX payment. I texted No and then received another text saying the Fraud Team would be calling me. I received a call from a man claiming to be XXXX XXXX. He said there were two XXXX transactions, one for {$800.00} and one for {$700.00} totaling {$1500.00}. I was at work preparing for a meeting and wasnt paying full attention but The number the guy was calling from showed up as Huntington Customer Service number listed on XXXX so I thought it was legit. He said that my account was on hold and he needed to help me get my money back by sending a XXXX for {$800.00} and another one for {$700.00} under my name. He said he needed my user name and password since the account was on hold and hed help with resetting the info, I let my guard down since the phone number matched XXXX and unknowingly provided this sensitive information and he walked me through how to XXXX myself the money so Id get it back. He said it was going to his managers phone number XXXX and his managers name was XXXX. I did as instructed and he said to hold a minute then disconnected the phone. I called and filed a dispute with a digital rep at Huntington named XXXX. I told her I did not authorize these payments to anyone and was told by this person whom I thought worked for Huntington the {$1500.00} was going to be back in my account soon. XXXX processed a dispute number XXXX and told me go to the branch bank and cancel my checking account to get a new one which I did today. I was told by XXXX it would take 10 days to here back from the Fraud team and possibly up to 45 days. She said normally the bank issues a temporary credit in 10 days however, the bank can deem me at fault and take the money back. This is no different then someone fraudulently charging my debit card in my opinion but the bank rep I talked to at the branch said theres a slim chance I would ever get my money back. I spoke with another digital rep tonight at Huntington named XXXX who said I have about a 30 percent chance for getting money back. This is totally not fair. I swear the guy on the phone claiming to be XXXX XXXX with the Huntington Fraud Team sounded legitimate and totally fooled me into believing he worked for Huntington. Please help me to get my {$1500.00} back! Thank you.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical difficulties, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are being upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX Subject : Formal Dispute of Inaccurate Information Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX XXXX XXXX for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

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

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC report had been filed, they will be attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I 've called Transunion and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX collection agency that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.
Product: Mortgage

A complaint of discrimination has been filed, however, I have since found this information to be vital, which can be found at XXXX XXXX XXXXXXXX. Still, I have requested an explanation of NFCU 's response to my compliant of discrimination but seen this video of a news clip with the EXACT SAME scenario. I believe the CFPB should have this information by now, if not please see it here XXXX XXXX XXXX XXXX XXXX
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

This debt collection company keeps contacting me via phone calls and texts messages. I never signed anything with them. I never agreed to receive text messages from them, I thought it was illegal for companies to text consumers without consent.
Product: Credit reporting or other personal consumer reports

My credit report has incorrect details violating 15 USC 1681c-2, particularly unapproved inquiries. These errors are damaging my credit, and I request their removal.
Product: Credit card

Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.
Product: Debt collection

On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX  rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.
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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorized or give Prestige Financial Service written consent to obtain my XXXX credit report on XXXX. I did not apply for credit with Prestige Financial.
Product: Credit card or prepaid card

I am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays. 
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had XXXX XXXX XXXX XXXX XXXX XXXX for many years and in XXXX changed creditor to XXXX. In XX/XX/XXXX, after about a month after XXXX had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about XXXX points. Immediately I reached out to XXXX to only have associates disconnect calls. After starting a dispute through Experian I reached back out to XXXX and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.
Product: Credit reporting or other personal consumer reports

I noticed wrong information on my credit report for equifax and XXXX. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment to XXXX XXXX XXXX on XX/XX/2022. My payment was initially due on XX/XX/2022. I dont know what occurred between the banks, but the payment didnt post until XX/XX/2022 making my payment 30 days late. The only reason I paid so late at this time was because I was between jobs, otherwise Ive never had a late payment. I tried to resolve this with my XXXX XXXX but they were unwilling.
Product: Checking or savings account

On XX/XX/XXXX Bank of America took {$4600.00} out of my checking account twice on that same day for a total of {$9200.00}. The bank applied the money they had taken to my credit card balance, forcing it to become negative. This was done without my knowledge or approval. When I noticed this I stopped using my credit card. That left {$24000.00} in my checking account which the bank eventually refunded to me. I also changed any auto-pay accounts to another bank. 

Between the time I noticed this problem late in XXXX and XX/XX/XXXX I spoke with XXXX XXXX, the branch manager multiple times to try to resolve this issue. During this time my negative credit card balance moved moved in the positive direction as the last few auto-pay charges were paid. That left the balance at- {$8500.00} still owed to me by the bank which I wanted refunded at that time. XXXX said the amount would have to be mailed to me and it would take 8 to 10 business days for that to happen. I did not want my refund to be mailed but XXXX gave me no choice. 

During the time I was meeting with XXXX she asked me to speak with someone else on the phone. That person insisted that I caused this problem even though I know that I did not and she had no proof that I did. After that conversation I told XXXX that I wanted all of my accounts with Bank of America closed. I gave her a letter stating that and a spreadsheet showing that the bank still owed {$8500.00} to me. I also gave XXXX my credit card. 

It has now been 14 business days since XXXX told me it would take 8 to 10 business days for the {$8500.00} which has essentially been stolen from me by Bank of America to be refunded to me. During the intervening time I have made multiple trips to the bank only to be told by XXXX that my check is in the mail. The last trip was today, XX/XX/XXXX, after checking that the mail had been delivered but there was nothing from Bank of America. I am hoping that your organization will be able to convince Bank of America to pay the money they owe to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have reached out to the credit bureaus, department of education and XXXX Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for about over a year and a half now. XXXX  still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, XXXX  was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. XXXX  refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my XXXX report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things XXXX refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. XXXX  refuses to resolve this ongoing fraud situation. In addition to that XXXX  still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however XXXX  refuses to delete it. Third. XXXX XXXX XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. XXXX   refuses to block these fraudulent accounts. Also XXXX  is reporting an address I don't live at. XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX this is not my address. In addition to this XXXX  supplies this information to LexisNexis, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
Product: Credit reporting or other personal consumer reports

I see items on my credit report that I dont recognize, which leads me to believe my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report as quickly as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial responsibility. If we cant resolve this issue, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies on my credit report are severely impacting my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this matter soon.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and I noticed and inaccurate account XXXX XXXX XXXX XXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according FCRA 15 U.S.C. 1681e ( b ).