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

This is my XXXX  complaint with Huntington Bank in a week and a bit frustrated. I used to bank with HB in XXXX  prior to relocating to XXXX  and worked most of last year between the XXXX and foreign countries in my role at a multi-national. I've not had the chance to fund a local bank, but my wife has. 
I had to deposit a check for more than XXXX which tha app could not support. I had no option but to book a flight to XXXX  solely for the purpose of making the deposit in a branch. The trip cost in excess of {$500.00}. Only after making this trip was I advised I could have mailed the check in. 
The funds were made available the next day ( after I was advised at branch there was no hold ) and my app showing the funds available. I subsequently made online payments from the account only to be see my account on hold today. I called customer service and was advised the hold was put in place by corporate at XXXX yesterday ( after funds had been posted as seen from my screenshots at XXXX ). This leads me to believe that the hold was placed after I advised the customer advocacy rep ( XXXX XXXX ) I would consider a different local bank which is only prudent as traveling each time to make a significant deposit is not sustainable. This was a certified fund and they should know if it was returned by now ( in this day and age of clearing houses ).
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Debt collection

Attempting to collect a debt that has not been validated and they are in violation of Texas Finance Code 392.101 Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

I have also filed a complaint with the State Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

.According to the FCRA XXXX I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I just checked my credit report, and this account XXXX XXXX with the number XXXX is showing the wrong rating of XXXX. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1500.00}, because I dont owe it. 
Just so you know, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) says if you cant verify something, it has to be removed. I look forward to you fixing this!
Product: Debt collection

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance
Product: Mortgage

I submitted a claim on XXXX and XXXX against Chase. Claim numbers are XXXX and XXXX. I received a response from Chase but they refuse to send me the credit report they claimed shows that they paid off a loan for me. They sent me a copy of the documents that I already have in my possession. and did not send me any additional information. I requested again the documents that shows what bills, credit cards, loans etc they paid off. I am not satisfied with the answers on both claims. They did not tell me if and why their pulled my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX. 

I can be reached at XXXX or by email XXXX Thank you!
Product: Debt collection

I have contacted XXXX, XXXX and XXXX. requested that all dispute comments be removed from my account due to attempting to get a home loan and the dispute comments are preventing that from happening. this has been going on for months. One of the collect accounts is paid off and there are still comments that say that I dispute account and account paid on the same line. I have made phone calls, sent letters and communicated ever way I have access to. why is it so hard to honor my request to remove dispute comments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and Transunion that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. Transunion should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my Equifax and XXXX XXXX credit scores with XXXX XXXX and discovered that Equifax had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by Equifax and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report.
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. 
Account name : XXXX XXXX  : XXXXAccount name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX  - # XXXX, has violated my rights. 


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 in
Product: Checking or savings account

XX/XX/year> Charges were made at various stores in TX on my Debit card totaling {$630.00} Noticed charges notified Regions immediately. 
Went to home office, told them, got new debit card ( me ) they were going to keep eye on account XX/XX/year> Charges made on new Debit card to the tune {$2000.00} ( {$500.00} XXXX ) This time in NY. 
Canceled my card totally, then noticed someone had changed my home address to XXXX TX. Fixed that. Put a password on account so no one could do anything else. 
Closed original checking and savings for insurance of no more activity there. 
Filed police report with XXXX XXXX Sheriff Office, Investigator could get no further than me without further cooperation from Regions. 
Regions said that I authorized all transactions, even though there is proof that I was in my home town and both dates. 
XXXX XXXX Close all accounts at Regions.
Product: Credit reporting or other personal consumer reports

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

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

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

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


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

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

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

Thank you for your time and help in this matter. 


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

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

Sincerely, XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Date Opened XX/XX/XXXX {$560.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX Date Opened XX/XX/XXXX Balance {$340.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX  Synchrony bank mattress firm I am writing to express my frustration with the recurring interest rate charge on my account. Despite having only 10 days left on my payment plan, I have been charged an additional {$990.00} in interest on at {$1600.00} purchase from 24 month XXXX interested plan I believe this charge is unfair and I am disappointed that your company would take advantage of a loyal customer in this way. I have always made my payments on time and have never missed a deadline. 

I am requesting that you waive this interest charge and adjust my account accordingly. I would appreciate a prompt resolution to this matter as I am eager to complete my payment plan and move forward. 

Thank you for your attention to this matter. 

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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$1800.00}
Product: Debt collection

Alliance Collections, of XXXX, Wisconsin, ( XXXX ) XXXX, keeps on calling me. I don't want them to call me. I paid my bill in full at XXXX XXXX. The last payment was on XX/XX/2022, which brought my balance to {$0.00} due. However, Alliance Collections continues to repeatedly call me - even today on XXXX, which is some sort of harassment. I spoke with the representative at Alliance Collections today, and I asked them to stop calling me. I told the representative that my balance at XXXX XXXX was {$0.00}. I want Alliance Collections to stop harassing me.
Product: Debt collection

I have disputed this company for over 6 years. I believe it is some kind of loan that was taken out. The period it happened I had a XXXXXXXX XXXX XXXX XXXX XXXX and was recovering, and was receiving XXXX pay from my employer. I am currently XXXX and not working. I had to retire from my job. 

I have disputed this before because they are reporting this as an open case and reporting each month that I am NOT making payments. They are reporting like they were the ORIGINAL company. I know that I have never taken out a loan from NCB Management. They need to send proof that I took a loan out for over XXXX from NCB Management because they are reporting that they are the ORIGINAL company. This company that constantly reporting errors on my credit report for XXXX plus years has prevented me from getting a place to live more than once. I am currently homeless. When the leasing agent sees an OPEN claim with NCB MANAGEMENT stating that I owe them over XXXX, I can not get anywhere to live. I believe this account was purchased and NCB Management is not the original company. I believe they are reporting this as a current open account because I keep Disputing it because it is not mine, and they are not verifying it correctly. I know it went from a charge off to reporting it as an open account originating with them. 
NCB Management has caused irreparable damage to my life. I am XXXX and not able to work, and as of XX/XX/year>, no where to live. 
XXXX Subtitle XXXX, XXXX  XXXX of the Delaware Code : Prohibited Trade Practices
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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.