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

I opened a new checking account under a promotion to receive {$200.00}. To qualify, I had to open it between XX/XX/XXXX and XX/XX/2019 ( I opened it on XX/XX/XXXX ), make cumulative deposits of at least {$1000.00} within 60 days ( I made two {$2500.00} deposits on XX/XX/XXXX ), and maintain the account for at least 90 days ( the account is still open, and I have made no withdrawals ). This was the first deposit account I have ever opened with Huntington Bank, and the {$5000.00} total that I deposited came from my pre-existing checking account at XXXX XXXX XXXX. 

When I contacted Huntington Bank to inquire about the status of the {$200.00} reward, I was told I did not meet the terms because I used a " cash app '' to deposit the funds into my account, and thus this is considered a " credit, '' and not a deposit. However, the Bonus Addendum does not differentiate between " deposits '' and " credits, '' and simply states that " [ t ] ransfers from another Huntington deposit account do not count as a deposit. '' It makes no other qualifications about what counts as a deposit, and these funds came from my pre-existing XXXX XXXX XXXX  account. Additionally, the Consumer Deposit Account Agreement does not differentiate between deposits and credits, and I would argue that to most consumers, these two terms  essentially mean the same thing. Most importantly, it no where states in the Bonus Addendum that these types of deposits would not be considered deposits for purposes of this promotion.
Product: Credit reporting or other personal consumer reports

Validation, Request to Remove Account Child Support Enforcement Account # XXXX Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted, FCRA recently ruled removal.
Product: Checking or savings account

I had planned a XXXX  XXXX for XX/XX/XXXX and was unable to get it due to XXXX. I had made several attempts to contact the place where I was scheduled to get my XXXX. I contacted them several times and have not been able to get in contact with anyone. I was ale to talk to an employee at XXXX on XX/XX/XXXX and was told i had to pay XXXX $ for a dates change, which I made the payment. I had been told i would receive a call back from a XXXX coordinator, this did not happen. When i was finally able to speak to a XXXX coordinator on XX/XX/XXXX she informed me that she had not received any payments from me at all. On XX/XX/XXXX I called the banks which i had been making the payments from to report the issue. I had received my funds back from XXXX XXXX XXXX. I made 2 payments from my wells Fargo account, on XX/XX/XXXX i made a payment of XXXX $ and anther payment on XXXX for XXXX XXXX Well Fargo denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXXDEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never XXXX days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

Hello : My husband and I each have a Sears Master Card with my husband as the primary. We are having issues making payments and are being charged a late fee when they will not accept the payment or have made it impossible to pay online. I have called over 10 times to recitfy this. I am unable to use my actual working card to set-up an online account. It says we do not have a card with Sears and obviously we do. They have sent us new cards previously due to this, we have asked the customer service person to set up Auto Pay and while they say they have done so, it never comes out the next month and I receive a note my bill has not been paid. When I call the wait times are so outrageous -- over an hour -- to receive a customer service rep that has difficulty understanding what I am asking due to language barriers and my requests are never implemented even though I am told that they have been completed. While trying to make a payment online, today even, my card is still not registered in their system. I have filled out legal paperwork to be able to pay the bill, even though I have a card in my name, and they refuse to take my payment over the phone as it is " not in my name ''. I am repeatedly charged a late fee. This has been going on for over a year now. I am at a loss as to proceed and do not feel it is fair nor reputable to not take a payment and charge a late fee, and for a company not to be able to assist a customer register an active credit card to pay online. I am in need of assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -PORTFOLIO RECOVERY ASSOCIATES
Product: Debt collection

I was behind with my payments and made arrangements with Ally Bank to go into their fixed payment program. The written agreement was for {$10.00} a month for 6 months. I signed up for auto payment. The payments were made every month on the 1st which shows on my bank statements. I continued to receive calls from Ally regarding the original payment and told them about the agreement which they were able to verify. It stated that once I made three payments the account would show current. In XX/XX/year>, I received a letter stating the account had been charged off. I call them to inquire why. Again, the agent say the charge off as well as the agreement and told me he would get his supervisor. After waiting for a while, XXXX was transferred to the collection agency, which I had no prior knowledge of because I was speaking to an Ally representative. I briefly spoke with the agency who indicated that Ally sold the account. I explained that it was an error and that I had an agreement with the bank. The lady told me that's was them and the agreement was voided. There was no communication from Ally as they were taking the {$10.00} as agreeded. The payments were always on time, again because of the auto payment.. on my XXXX credit report it does not show the {$10.00} payments but on XXXX it does. I have disputed the item and it has been updated as being correct. I have the agreement and my bank statements to confirm that I made the payments as agreed and it was Ally Bank that breached the agreement.
Product: Bank account or service

I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call as well.
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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : CB INDIGO/GF, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXL XX/XX/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 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: Mortgage

The property was foreclosed on XXXX/XXXX/XXXX. The bank has not paid any dues since then and now {$900.00} is owed till XXXX/XXXX/XXXX. The exterior of the house is not being maintained, the interior is unknown. Shrubs are growing up around it and siding is coming loose. Becoming an eye sore for the neighbors and community.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert this morning XX/XX/2023 from XXXX XXXX alerting me to an inquiry made on my credit by Capital One USA Bank NA on XX/XX/2023 at the address XXXX Capital One XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called Capital One Bank and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from Capital One to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.
Product: Debt collection

I resided at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for a XXXX period while employed as an XXXX XXXX XXXX XXXX XXXX. Throughout my tenancy, I consistently fulfilled my rent obligations ahead of schedule without default. Unfortunately, upon the abrupt termination of my XXXX XXXX  in XXXXXXXX XXXX, I promptly notified the apartment management of my circumstances. To my surprise, I was informed that I had XXXX  days to vacate the premises due to my inability to maintain payment, citing it as a legal requirement. I was never informed of any lease-breaking fees associated with my situation. 

Subsequently, I vacated the apartment within the stipulated timeframe, only to receive a demand for payment months later. Despite my attempts to seek clarification from the management office, I received no response. Instead, I was contacted by a collection agency, which aggressively pursued payment, threatening adverse effects on my record and XXXX XXXX. Despite explaining the circumstances surrounding my departure, the collector remained obstinate and unyielding. 

Furthermore, the amount demanded, totaling {$4400.00} for XXXX months ' rent, is both inflated and dubious. Despite my efforts to dispute this unjust claim and rectify the situation, it persists as a blemish on my credit report. 

Given the protracted nature of this ordeal, I respectfully request your intervention in resolving this matter. Your assistance in addressing this unjust situation would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recieved a XXXX credit report and noticed 3 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I recieved an XXXX credit report and noticed 7 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recieved a Experian credit report and noticed 8 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer.

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system.

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers. 


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Product: Credit reporting or other personal consumer reports

I previously disputed the inaccurate reporting of a collection account by XXXX XXXX XXXX XXXX on my Experian credit report. Specifically, the account reflects a XXXX payment history, which is misleading and violates the Fair Credit Reporting Act ( FCRA ) since collection accounts are not active accounts with monthly payment histories. 

Despite my dispute, Experian failed to conduct a reasonable investigation or correct the inaccuracies. They did not provide any evidence to substantiate the reporting, nor did they address my concerns about the violation of FCRAs requirement for accurate and non-misleading
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The father of my children admitted to stealing me and my XXXX childrens social security information. A police was filed. I recently found all these phone numbers and addresses that I have never used or lived in on my credit report this has all been done over the last few years. The addresses crossed out in the attachment are residential areas Ive never lived at. Even a XXXX Tx address. I am currently repairing my credit and came across all of this information. I believe it to be an act of fraud in order to destroy what credit I have and the credit I am currently working in the obtain better credit. I have a current freeze on my credit with TransUnion and XXXX. I believe this information has been given out by XXXX XXXX XXXX and his girlfriend XXXX XXXX XXXX. Please HELP!
Product: Checking or savings account

I disputed a transaction and it was declined. We went to the restaurant and the place was over 100 degree and they didn't do anything about it. We barely touched our food. 2 of us got very sick. I tried with the merchant and the bank and I am not getting anywhere. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX CAPITAL ONE BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting joint accounts of radiology. The accunts that I had previously was paid by an insurance company. As far as a joint account, this account can not belong to me. I do not have a joint account with anyone. ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a XXXX  XXXX XXXX loan opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, account discrepancies and late payment errors. and fraudulent collections appearing on my consumer FICO credit report I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.
Product: Credit reporting or other personal consumer reports

I have already called and made ALL XXXX Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, Transunion, and XXXX are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : 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