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

I went to Huntington Bank on XX/XX/2016 at or around XXXX am. I walked into the bank and set with a banker for a sec to ask him about my new account. I had just made my Huntington account online XXXX days prior to coming into the bank. After I asked him would I be able to deposit my check ( payroll ) because I had forgot my I.D . at home and was kinda in a rush. He said yes, that I could deposit it and it would be available tomorrow. So I went up spoke the nice bank teller and gave her my check and then asked her would she need my social because i did n't have my I.D . and she said yes. I wrote down my social and signed the back of my check and gave it to her. Where she walked over to a computer and entered my check. After of about a minute or XXXX she came back with my deposit slip and said you are all set. I said thank you and I also asked what time would I be able to come pull some money out? She said tomorrow as soon as we open your check should be cleared. The next day I came thru XXXX XXXX thru window and requested to take out XXXX dollars and gave the teller my I.D . He than came back with in minutes and handed me back my I.D . saying your account was closed. Now it was very early for me and I not a morning person but I was on my way to work. So I then said well where is my money? He said do you have a second to come in and meet with our senior banker, I said well I do n't have a choice if I want to know where my money is do I?. So I came in and set down watched as the senior banker made a couple of calls and too so notes. I than asked how long will this take I have to get to work. Once he hung up I was rude and asked what now I want to know where my money is. I than asked would like me to go get my deposit slip from yesterday. He said yes, I came back in furious because now I do n't have my money and I was gon na be late for work. So i came back in with the slip but I also let the bank know about their self in a way. Letting them know that I should of received a phone call or email because it 's way faster. After I left they bank I called XXXX number to speak with someone else about this because I could not get correct answers from the people at the bank. The lady that I spoke with on the XXXX number said that she did not see a deposit made into the account i gave her. I then told her the branch was made and i guess she called them because XXXX minutes later she hopped back on the phone with information about my deposit, she said that the branch said it would take XXXX to XXXX business days before a check was cut and sent to me over night. Than she went on to say that the bank had no right to even deposit my check in the first place, that they had to have done an override to even deposit my check. I wanted her to go into detail but the call disconnected. So instead I wanted answers so I keeping and getting the same information from different bankers telling me that the branch had no right to do what they had done. So I felt that this compliant was n't about nothing but not allowing this to happen to anyone else.
Product: Credit card or prepaid card

I am an old man using computers since inception ..... 

NEVER had a problem I couldnt work through. 

AMEX Bluebird has SERIOUS problems with their systems which make it VERY difficult to get access to statements online!!!!! 

I DEMAND ACCESS TO MY STATEMENTS, forget your password their system wont allow you to RESET!!! 

SERIOUS problems with their system!
Product: Debt collection

I disputed Portfolio Recovery with the credit bureaus and sent them the verification that they sent me, which was not a signed contract. The bureaus keep saying the collection meets FCRA requirements but how is that when I have NO CONTACT WITH THIS COMPANY. The sent me a billing statement but no contract.
Product: Debt collection

I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!
Product: Debt collection

According to XXXX XXXX XXXX XXXX  {$530.00} for a XXXX  test back in XXXX that I was forced to pay in cash because they did not except card or insurance cards at the time for XXXX. As of XXXX XXXX I apparently owe a debt of that amount to them and believe the act is fraudulent.
Product: Debt collection

I received a credit report in XX/XX/XXXX while trying to do a refi on a home. A collection is reported from Professional Credit Management for {$170.00} with XXXX and XXXX says date of report was XXXX. 
I called the company and inquired PCM said it was for a XXXX  bill with XXXX XXXX in XXXX XXXX. I informed PCM I had never been a client there, and all my medical was done through XXXX PCM said I would have to file a police report for identity theft if it wasn't mine. 
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the receptionist and then billing. She searched my name, my social, my birth date and married and maiden name and I was no where in there system, she searched back to XXXX. She even called old XXXX  that use to work in that office and no one had heard of me. 

XXXX XXXX then called PCM and informed them the data they had was not correct, and PCM couldn't provide enough information for a claim to be valid anyhow. PCM representative stated she wasn't for sure what to do since claim came from them allegedly, and XXXX XXXX informed PCM they should drop it due to lack of data and they were corroborating I did not owe them a debt. 

I contacted PCM again after my conversation with XXXX XXXX. And they said I would have to file a police report, yet they didn't have sufficient data and was informed by their client PCM data was obviously incorrect. 

PCM representative confirmed I had disputed it in XXXX  yet it didn't go anywhere and was still on my credit. 

PCM did not follow through with an investigation and is still trying to collect a debt I do not owe, and which was validated by PCM client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SALLIE MAE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SALLIE MAE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/XXXX with XXXX and XXXX due to a negative mark on my credit report. I've filed several complaints. from XXXX of XXXX all with no response. last Dispute was XX/XX/XXXX last phone call to the credit bureau was XX/XX/XXXX. in ref to XXXX XXXX XXXX {$910.00} both amount and time frame are incorrect its past the XXXX yr mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION REPORTING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR THESE ACCOUNTS.
Product: Vehicle loan or lease

On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was wrongfully a victim of identity theft had a bill put in my name by someone trying to be me I told them it wasnt mine an they said well we cant do anything about it because they use your name and Social Security number at the time I was sleeping on the floor at my husbands grandmothers house, so I was very confused because I only lived in XXXX XXXX in XXXX XXXX at the time I got sent this I contacted them and they told me If you dont pay it, were gon na destroy your credit. They said was they had your Social Security number and your name they cant do anything about it. And when I contacted them, they said it was for an address of a home ( house in XXXX area ) which Ive never lived in that area .I even told them that it was a legit home that I couldnt afford a home that Ive been renting or sleeping on familys floors they didnt seem to care I contacted them recently, asking for advice because they took my new address and slapped it on that bill like it was my debt to a place Ive never lived at I confronted them. They didnt give me no answers. I try to resolve this and they asked what my current address so they can send me updates about the dispute and then they end up sending me the current bill with my current address on it. This is on XXXX and to be honest. This is my worst experience ever.
Product: Vehicle loan or lease

Toyota motor financing reported my XXXX payment late however I paid it on the XXXX day so reporting it 30 days late is inaccurate I spoke with the company the customer service rep was unable to see the full account on her screen she transferred me to the resolutions department to be told the same thing
Product: Debt collection

M.A.J.R. Financial XXXX started reporting a collection for {$5000.00} with {$0.00} balance and I do not know where this came from. There is no unpaid loans or charge off in the amount of {$5000.00} that was transferred or sold so I do not know where this coming from and its hurting my credit score greatly. PLEASE HELP ME!!!
Product: Mortgage

Customer service, foreclosure dept has not communicated during, the servicing of my mortgage assistance requests. I have listed the chain of events.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint to bring attention to the serious harm caused by the Equifax data breach and the severe impact it has had on my credit report. My personal information was compromised as a result of this breach, and I am now facing negative accounts on my credit report that have directly resulted from Equifaxs failure to safeguard my data.

Despite my attempts to rectify this issue directly with Equifax, I have been unable to have fraudulent or incorrect accounts removed from my credit report. These accounts and their continued presence on my report is causing me significant financial damage. 

I am demanding immediate action and am requesting that the CFPB intervene on my behalf to ensure that : All negative accounts listed below are immediately removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX Equifax takes full responsibility for the harm caused by their negligence in handling my personal data. 
Equifax provides clear and adequate support in addressing this issue and works to fully resolve the situation without further delay. 
It is unacceptable that consumers like myself continue to suffer the consequences of this breach, and I expect that the CFPB will hold Equifax accountable for its failure to protect my sensitive information and for not taking the necessary steps to correct these errors on my credit report. 

I trust the CFPB will take swift action to ensure that Equifax fulfills its obligations to correct this issue and prevent further damage to my credit standing. 

I appreciate your immediate attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I disputed through Equifax a XXXX credit card. On XX/XX/23 Equifax dropped my credit score down to XXXX. The score dropped XXXX points. Just two days prior the prior score was XXXX. There was no reason noted. I called Equifax this morning. The sole reason for the score drop was for me putting the XXXX account into a dispute. The Equifax rep said the score dropping was penalization for disputing and has been a long time coming. Her words not mine.
Product: Credit card

Tried to close account and was told to give them my drivers license number to pull account up when I asked why, I was informed that the only way to even open an account was with drivers license number. So I gave it to them and there was no file of me so there was nothing they could do for me. This was towards the end of XXXX or XXXX around the time the card was open. I was notified by XXXX XXXX about a new card and tried to resolve as soon as possible. I sent a dispute in around the same time as well that was granted and they took everything off my credit report. Just about a week later the card was maxed back out with a higher credit limit. Sent in another dispute last week that was denied. So I contacted XXXX XXXX directly and they told me the next step is to submit this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed several inaccurate items. I have made several attempts to dispute these matters with Experian. Each time I send a dispute in I provide a copy of my drivers license and utility bill. They have sent back a letter stating they don't believe it is me disputing the discrepancies. My first attempt has been over 30 days with no response and my second attempt I got another letter from them stating they are not going to investigate the issues. I am requesting these inaccurate items be deleted from my credit report. ( see attached letters )
Product: Debt collection

SCA COLLECTIONS submitted an unfavorable Collections claim to my credit report for the amount of {$950.00}, which has significantly lowered my credit score, and has negatively impacted my life. I have not received proof from SCA COLLECTIONS in writing that I am the owner of the supposed debt, or what specific service provided, that the debt was in reference to. Additionally, as a Veteran, I have always maintained healthcare insurance/coverage. I believe this is an invalid claim and would like it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am attaching evidence that this company mistakenly reported a late payment to my transunion account. This account was opened without my consent. I am requesting the immediate removal of the account from my credit report.
Product: Credit card or prepaid card

I have already paid off what I charged on the account. One of the employees at the store added a person to my account and allowed them to charge my card. Now resulting in a unpaid huge balance as well as my credit score dropping and reflects it. I have contacted the company several times without it being resolved. I am asking it be cleared up and removed from my credit report.
Product: Student loan

Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.
Product: Credit card

On XX/XX/year>, I applied for a XXXX XXXX with my Citi Credt Card, per there terms and agreement. All payments amounts greater than the minimum due are applied to the balances with the higher APRs before balances with lower rates. On XX/XX/XXXX and XX/XX/year>, I made two {$1000.00} payments totaling {$2000.00} that should have been applied to the XXXX  XXXX. Citi backed divided the payments between my standard purchases and balance transfer that both have 0 % interest rates. This is a breach in their terms and agreements. The {$2000.00} should have been applied to the XXXX XXXX that has the higher APR. I contacted Citi Bank multiple times and the representative did not attempt to resolve the issue. They attempted to make excused on why the could not reflect the changes.
Product: Money transfer, virtual currency, or money service

Good Day Sir/Maam, I am humbly asking for your assistance in appealing the permanent limitation placed on my PayPal account XXXX I am a freelance virtual assistant and rely on PayPal to receive payments from my clients. XXXX XXXX after complying with a routine account review, I received a notification stating that my account was permanently limited due to being linked to another account with unresolved issues. I assure you that this is my only PayPal account, and I have adhered to all policies. 

My funds are currently on hold for 180 days, and I firmly believe I have not violated any regulations. The lack of detailed information regarding the limitation makes it difficult for me to address the situation. I would greatly appreciate your help in escalating my appeal, as I am confident there are no issues on my part. I am hoping that you will reconsider my request to review my documents again to reinstate my account since this is the only means I have to pay for my father 's medical expenses due to XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have incorrect late or payment off this report. I have already proven my innocence to XXXX and XXXX, also to a collection agency and made numerous attempts to clarify with equifax. I was also part and victimized by Equifax negligence in their infamous breach and I was affected negatively. I have been accepted into the class action lawsuit. If XXXX and XXXX have both accepted and acknowledged this incorrect info and removed it, then why does equifax refuse to abide by the law that they must also if the others saw this mistake? I have already made a complaint about equifax and they still refuse to correct this info. My legal rights are being denied. This is negatively affecting me, my life, and my credit reporting. I would like them to correct this once and for all and to please abide by the laws and correct this wrong and defaming information they are providing to others about my credit.