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

on XXXX XXXX I went to my local Huntington bank atm to deposit cash. The full amount I put in the atm was {$1000.00} even. After I deposited the cash the machine spit out {$80.00} but the rest of the cash was visibly stuck inside the machine crumpled up. On the screen it was telling me to grab the cash that couldnt be deposited. After a few minutes went by it said your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution the atm machine closed the opening.after taking a photo I immediately reached out to customer service and made a dispute. After 2 weeks I called for an update to find out the dispute was closed with no explanation. The dispute was reopened only to be closed a week later. This time the representative tells me the researcher found a different undisclosed amount and that {$920.00} wasnt the amount found from the atm. I feel like Huntington bank scammed me out my cash without a proper investigation.
Product: Credit reporting or other personal consumer reports

I did not have XXXX XXXXXXXX XXXX on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.
Product: Credit reporting or other personal consumer reports

Back in XXXX  we went to XXXX  and stayed in a XXXX XXXX at a discounted price if we would go listen to the sales spill. During the sales speech we asked several questions and wasn't interested because I knew about these timeshares and how people were getting ripped off. The salesperson said several times that this wasn't a timeshare, and you can stop it at any time, he told of stories of people that couldn't afford it anymore and they returned it. The salesperson made it seem so easy. We ended up purchasing it and overtime never used it. The maintenance fees went up all the time and it was getting to where we couldn't afford it. I called XXXX and requested to return the timeshare to them, and they said I couldn't. After trying to return it on our own and being unsuccessful we reached out to XXXX XXXX, XXXX exit company, and they could assist us. We paid several XXXX dollars to this company, and they did nothing for us. In the end I submitted a deed in lieu to XXXX. Since doing the deed in lieu my credit score has significantly went down and XXXX reports it as a mortgage foreclosure. How can you report this as a mortgage when it isn't a tangible item?
Product: Debt collection

I originally opened a credit card account with XXXX XXXX XXXX XXXX XXXX more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to The Dunning Law Firm APC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from XXXX XXXX XXXX XXXX XXXX, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through Equifax back in 2017. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through money lion with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the Army I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the Equifax settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Product: Debt collection

Not sure the FCO - Fair collection & outsourcing. Inc. has the authorization right to collect the total debt for the owner. Are they legally appointed by the property owner / XXXX XXXX XXXX XXXX for debt collection, as claimed by them or purely another scam.
Product: Student loan

On XX/XX/2023 I submitted an application to Nelnet via StudentAid.gov to be placed on the SAVE plan, an income-based repayment plan for student loans that was recently made available. 

According to StudentAid.gov, Nelnet completed their application review on XX/XX/2023. However, according to Nelnet, they received my application on XX/XX/2023, and are still in the process of reviewing it. 

There are two issues here : One, the Department of Education sent the wrong application to Nelnet, which isn't Nelnet 's fault, but I did call Nelnet on XX/XX/2023 to ask whether I would still be placed on the SAVE plan given that the application did not even include " SAVE '' as an option. The representative told me I would be placed on the lowest cost plan, which is the SAVE plan. I also waited on hold for over two hours to speak to a representative, which I have heard is a very common occurrence. 

Two, Nelnet is taking so long to process my application that I was forced to make a payment at a higher rate based on a plan I had selected before the pandemic. The representative was unable to give me any kind of timeline for when they will get the application processed, other than " hopefully before your next payment is due '' ( to paraphrase ). 

I, and many other people, are currently stuck paying more than we would otherwise need to if Nelnet were processing these applications in a timely manner. I applied for SAVE a full seven weeks before my first payment was due, and they still have not processed the application. 

I also am continuing to accrue interest at the normal rate because I am not yet on the SAVE plan ( which subsidizes unpaid interest beyond the minimum payment ), thus costing me more in the long run.

The representative was also unable to tell me why StudentAid.gov 's dates don't line up with Nelnet 's dates in terms of when I submitted this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 )  XXXX XXXX, ( 2 ) SXXXX XXXX XXXX, ( 3 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to USC 15 1681a ( 4 ) consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. Please remove this account from my credit report. I will exercise 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Please remove Chapter XXXX BK XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX I used my WellsFargo bank app to send XXXX US dollars from my checking account to my second cousin in XXXX, to his checking account. 
I was told that the money will arrive on XXXX of XXXX. On XXXX of XXXX money was still not received and I felt so embarrassed and told my cousin who is in his XXXX, that he will get the money soon. I called my bank and was given a case number XXXX, and with information that they will get back to me soon. I kept calling them, called on XXXX, talked with XXXX, she will send a note again. Called XXXX talked with XXXX ... No update. Called on XXXX and talked with XXXX. No update but after I asked to speak with some supervisor, I was connected with XXXX who told me that a new case number is assigned XXXX, and someone will call me by Friday, XX/XX/XXXX XXXX No one called and no one explained this far why it was taking so long or what was the issue. I sent the money to my cousin via XXXX XXXX on XXXX as he needed the money and I had promised him to send the money. 
On XXXX XXXX I called again and talked with XXXX, who gave me another case number XXXX. She told me she will get back to me in XXXX hours. She also informed me that there was some compliance hold. This was the first time someone told the such thing. This is just not right. I understand compliance hold for security but I should have been informed by XXXX so I could inform my cousin who may be thinking that I was not sending the money. Very embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

On XXXX/2016, I wrote my mother a check for XXXX dollars toward home ownership inspection. On XXXX/2016, I was the victim off bank fraud via the same check. On XXXX/2016 Bank of America 's fraud investigation team submitted a claim against my mother 's bank account at XXXX, in error, believing her to be the criminal party involved. If they had properly investigated the situation, they would have verified that she did not receive the stolen funds or had a XXXX deposit for that day. On XXXX/2016, I saw that the claim had been pursued against her, not the guilty party. Of course, I had to return her money since she did not steal it from me. I believe Bank of America may have pursued the claim against my mother to cover themselves by claiming to credit me, without paying for the damage themselves. The guilty party, XXXX XXXX, was shown to have deposited my check into a Bank of America account and is currently being pursued by law enforcement. Bank of America has since refused to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has constantly made no attempt to a proper investigation for account and inquiries I have disputed. I have asked Experian to please provide the names and business addresses of each individual with whom Experian verified the disputed accounts and inquiries, so that I may follow up, but Experian has failed to do so.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, XXXX or Transunion written permission or consent to furnish my information or obtain my information.
Product: Debt collection

onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was XXXX XXXX, onemain is useing the account number-XXXX  in the amount of $ XXXXXXXX XXXX was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/2015.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX  and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I decided to close my Bank of America credit card due to an unfair services, so I spoke to an associate who assisted me in taking care of that. 
A year later from the afore mentioned date I saw a charge on my card in the amount of {$43.00}. 
However since I know the account is closed I reported that as fraud with XXXX to be investigated.I reached out to Bank of America after three calls only to be told that it was an annual fee on the card .I told the associate that I have been with them for nine years with not a single missed payment .I asked the associate to remove the late payment due to my payment history which I have settled any way .its impacting my overall credit score negatively would like it deleted.
Product: Credit reporting or other personal consumer reports

I want this XXXX XXXX XXXX XXXX for a vehicle removed from my credit report. Or have the company send me a 1099 C, being it was written off. 
I am currently XXXX XXXX XXXX and I have been since XX/XX/XXXX and I will not XXXX XXXX until XX/XX/XXXX. 

THIS NEEDS TO BE REMOVED IMMEDIATELY!!
Product: Debt or credit management

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists '' 3. Alternatively, you can use a simple script like " I do not know who this collection agency is, as I have never been in agreement to work with them '' You can also dispute it online and use laws like " Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 '' 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year ofXX/XX/XXXX and  XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed on XX/XX/XXXX XXXX XXXX  - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX USA ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX, am writing to formally report an incident of identity theft involving unauthorized hard credit inquiries made to my credit report. These unauthorized pulls appear to have occurred between XX/XX/XXXX, and XX/XX/XXXX. 

Unauthorized Hard Credit Pulls : The following unauthorized credit inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Hard pull on XX/XX/XXXX Reason for Belief of Identity Theft : I strongly suspect that my personal information was compromised, leading to these unauthorized credit inquiries. I have not applied for any credit with these companies, nor do I have any legitimate business with them. I believe my sensitive personal data may have been stolen or exposed through some form of fraud, either through a data breach, phishing attack, or another means.

Actions Taken : Contacted Credit Reporting Agencies : I have made direct attempts to contact the credit reporting bureaus ( XXXX, Experian, and XXXX ) to dispute these unauthorized hard pulls. Unfortunately, I have not received adequate assistance or resolution.

Identity Theft Protection : I am actively monitoring my credit report and have taken steps to safeguard my personal information, including placing a fraud alert on my credit file.

Despite these steps, the unauthorized credit inquiries remain on my report, and I am requesting that the credit bureaus investigate this matter further, take appropriate action, and remove these fraudulent hard pulls from my report.

Request : I respectfully request that the credit bureaus take immediate action to : Investigate these unauthorized inquiries.

Remove the fraudulent hard pulls from my credit report.

Provide any guidance or steps I should take moving forward to prevent further instances of identity theft.

Please contact me if any further information or documentation is required to assist in resolving this matter. I can be reached at my contact information below. 

XXXX XXXX : Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent my free credit report to wrong address after I verified my correct address with them. They are trying to charge me {$7.00} to resend it. I have been a victim of identity theft and this is unacceptable because I need to dispute inaccuracies off my credit report.