23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On my Huntington Bank credit card that ends in # XXXX On my XX/XX/2023 statement was a balance of {$2000.00} I mailed a check for the total outstanding balance of {$2000.00} On my statement XX/XX/XXXX, it shows that they received and applied that check on XXXX XXXX. In that same statement they charged me interest on XX/XX/XXXX. 
Charged Interest on a XXXX balance! I can provide a copy of this statement. 

So I made a copy of the XX/XX/XXXX statement- highlighting the paid received, XXXX balance and stated that this card was paid off. 

Now Huntington Bank is sending me nasty emails and phone calls that my account is past due. 

When I called Huntington Bank today, to talk about this they hung up on me. I explained that I am not paying {$14.00} interest charged on an account that has a XXXX balance. I also told Huntington Bank, that I am filing a complaints ( CFPB, OCC, XXXX ) against them. 
This is illegal and I should have my credit history corrected and Huntington Bank should be made to stop this illegal activity. 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$760.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} NCB ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$9800.00} XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that I had hard inquiries that I did nor request. The hard inquiries in question are 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX   XXXX Experian : 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 ask that the charges XXXX  on my account be verified and validated, since I didn't recognize the apartment name or complex. I thought this was the way to get this removed. My credit info has been breached on several occasions by XXXX Email System, XXXX XXXX Visa, and XXXX. So my personal information has been leaked and has been used to make purchases and fraudulent credit line attempts. I was recommended that I contact CFPB and fill out a Affidavit with Identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Debt collection

I sent out a validation request form & the company refused to get back with
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : 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 the 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 CFPB findings indicate that Zelle has not only neglected to protect consumers, but it is also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams
Product: Debt collection

EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.
Product: Student loan

My problem concerns Lendkey Technologies , Inc. ( Lendkey ), and their " next business day '' payment processing policy for student loan borrowers. Lendkey allows borrowers to make a direct payment only on the XXXX of each month, which is also the day the payment is due. However, if the XXXX falls on a weekend or holiday, Lendkey processes the payment on the next available business day. This oftentimes lengthens the billing cycle by 1-3 days. Interest continues to accrue during the extra days, resulting in higher payments over the life of the loan for the borrower. 

This practice is unfair and deceptive. If Lendkey legitimately can not process payment on a weekend or holiday, then Lendkey should either 1 ) allow borrowers to make a direct payment on a date preceding the weekend or holiday, and/or 2 ) discount the interest that accrued on the loan during the extra days. Lendkey requires borrowers to make payment by the XXXX and threatens the borrowers with late fees if payment is not timely received. Yet, Lendkey apparently lacks the capacity to consistently process the payment by the due date. Lendkey 's inability to timely process payments should not result in a benefit for Lendkey at the expense of its borrowers. 

Lendkey may argue that the borrower breaks even because a lengthened billing cycle in Month A will equally reduce the length of the billing cycle in Month B. However, the balance of the loan and the interest per day will always be lower in the subsequent billing period because the borrower made a payment the previous month. Therefore, the money lost due to interest accrued during the weekend or holiday in Month A will always be greater than the money gained due to the shortened period in Month B. 

Accordingly, Lendkey should be made to revise its payment processing policy and reimburse the extra interest to the borrowers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXXonsumer Financal Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Transunion. Please delete the following accounts. 
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: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion Failure to Remove Inaccurate Account & Inconsistent Information from Representatives Details of the Complaint : I have been disputing an account from Waypoint with TransUnion for the past month. I provided a letter from XXXX confirming the account should be removed from my credit report. Despite this, TransUnion has only updated the balance instead of removing the account. 

XXXX removed the account promptly with the same documentation. However, TransUnion continues to report the account inaccurately. 

On [ date ], I spoke with a TransUnion representative who assured me that I would receive email confirmations regarding the XXXX account dispute, as well as confirmation of the removal of a XXXX XXXX account. I confirmed my email with this representative, and they verified it was correct. However, I never received any emails. 

I called back and spoke with a different representative who gave conflicting information, stating that the XXXX account would remain on my report for seven years and that TransUnion does not send confirmation emails. When I questioned why the previous representative told me otherwise, the conversation became frustrating, and I expressed my dissatisfaction. 

It appears that TransUnions handling of my dispute has been inconsistent, misleading, and unfair. I believe TransUnion has failed to follow proper dispute procedures and provide accurate information to consumers. I am requesting the CFPBs assistance in ensuring TransUnion properly reviews and removes the Waypoint account, as they are required to do under the Fair Credit Reporting Act.
Product: Student loan

The BANK OF AMEIRICA is collecting a loan ( s ) from my XXXX money ( checks ) and XXXX Insurance money ( checks ) that I never applied for.
Product: Checking or savings account

Was sent an text message from Chase Bank. At least that what i thought. Which this has happened in the past. So didnt think anything of it. Saying there were transactions on my account. XXXX transactions. Please respond if this is you right not. When i responded no. Got any text saying that someone from the bank would be contacting me about this. Gave this person none of my account information. They just told me what i had to do in the app to dispute this charge. 
Spoke to someone and they advised me on how to dispute the charge. And the money would be refunded to my account on the next business day. When i realized that it didnt happened. I contacted chase the next day about it. And gave full details as to what took place. And money was given back to me. Almost XXXX full weeks later. The claim was reversed and the bank took the money back. Called to see why. I was told its because of the banks policy that they do not support scams. 
So i spoke with supervisor and gave full details of story once again. Even the email address that was given to me to dispute the XXXX transaction. Because i wrote it down just in case something else would take place.and was told they would do there best to get me my money back. Because clearly this was a scam and not a true transaction. Was told i would hear from someone within 10 business days. I had to call back 2 weeks later to see why i didnt receive a call. They told me the claim was still pending and being processed. Called back a week and a half later. Now the claim has been closed. They cant do anything about it. I have to take matters into my own hands out side of chase. If i would want something to be done. Was never called or emailed or anything about my claim being closed. And not being able to get my money back. 
But 2 weeks after being scammed i see it on the news and just 2 days ago i get a email informing use as chase customers. What to look out for when it comes to scams. So i guess the whole world had to lose out on there money beefier it would go public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went thru a loan modification, and have made all of the payments as instructed by Freedom Mortgage, which is reflected in my payment history. Freedome Mortgage did not apply the funds correctly, and left the account as delinquent. I called multiple times over 2 months and was assured it was an error on their part and that it would be corrected. Then when it went on my credit report again I called several times, and again I was told it was an error on their part and it would be rectified. As of today it still has not, but the payments were made on time per their instructions.
Product: Checking or savings account

I noticed 2 fraudulent charges on my Capital One 360 bank account. One was for the amount of {$3100.00} from XXXX made on XX/XX/24 and the other was in the amount of {$300.00} to XXXX made on XX/XX/24, which happened a day apart from each other. I spoke to the fraudulent department about both fraudulent charges. I got {$300.00} lifted and returned and the {$3100.00} was not. I spoke to the fraudulent department at capitalone they submitted and denied my claim and stated they did not have enough information. When I called them to escalate I was told to email the card investigation at CapitalOne 360 with more information I did so and after 15 business days I was again denied. When I spoke to the fraudulent department again, they said it was my fault that my information was stolen and {$3100.00} Charge to my account was not going to be returned. I was told to speak to the merchant that charged that amount so I can Possibly get part of my money back. I was told to, by capitalone I can email the investigation department again and/or they can provide me with the documents on how they came to their decision.
Product: Checking or savings account

My account was froze and later depleted in XXXX and XXXX of 2022, .I 've tried to fix it straight forward with this company but have gotten nowhere..
Product: Credit reporting or other personal consumer reports

This is very alarming and concerning as there's an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus Experian and XXXX responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this report.
Product: Mortgage

I contacted Village Capital on XX/XX/2021. I requested that my escrow refund be mailed to me immediately since I had refinanced this home loan and it had also been funded. 

The representative said it would take at least 30 days to receive my escrow refund and that the escrow refund would go to the new lender. 

My new mortgage lender does not hold the NOTE on this loan and stated that the escrow refund would go to me. 

Escrow Refund Amount {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

Company has been Illegally harassing me for a Debt I do not owe them. Company has also violated my HIPPA rights by illegally obtaining my health records without written permission with signature from me. I dont have a contract with this company. I sent the company a letter back in XXXX ( see attached ) I requested validation. Company did not provide me with the information I requested. Company sent me another letter in XXXX trying to illegally collect debt.I decided to look into this company and found that they are not legally registered to collect in the state of Delaware. ( see attached ). XXXX letter dated XX/XX/2023 I do not owe this debt as well.
Product: Debt collection

I have contacted them many times to receive itemized statements of all accounts with them. That way I can make sure the hospital billed the insurance company properly and that they paid their part. The documentation that I finally received after months of fighting have received have been a jumbled mess and all accounts say they were switched to self pay before being sent to creditors. The collection notes have no order and have out of order dates and several different accounts numbers all mixed in.
Product: Credit card

When I received my XX/XX/year> statement, it included the following listed as charges : XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX  {$410.00} XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  {$260.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} It also listed a payment dated XX/XX/XXXX for {$1000.00} I called CapitolOne to report that these were not my transactions. From the start, they were concerned only with the source of the XX/XX/XXXX payment. They requested that I provide them with a bank statement for the account. I informed them that I didn't recognize that bank, I did not have an account there and that the payment wasn't mine. I did try to open an investigation of the XXXX fraudulent charges in XXXX and South Carolina. 

A few days later I was called by CapitolOne and they informed me that they were investigating the XX/XX/XXXX payment and that I needed to provide them with the relevant bank statements for the payment. I again replied that I did not recognize that bank, I do not have an account there and the account isn't mine. 

When I received my statement from CapitolOne for XX/XX/year>, the fraudulent charges were still being billed and I had been assessed a late fee. I called CapitolOne and they told me that they were unable to do any further investigation on the account until I provided them with bank statements from the payment. I again told them that I didn't recognize the bank, I didn't have an account there and the payment wasn't mine. 

On XX/XX/year>, I faxed Capitol One a letter to reiterate that I did not recognize the bank that had made the payment, I did not have an account there and that I had not made the payment. I did request that they investigate the fraudulent charges. 

I have since received my statement for XX/XX/year> from CapitolOne with the XXXX XXXX charges still being assessed, as well as late fees and interest. I called them today and they once again demanded bank statements from the account that made the XX/XX/XXXX payment. I again informed them that I did not recognize the bank, I did not have an account there and I did not make that payment. I was informed that until I provide the bank records for the payment, they were unable to do anything with the account and the fraudulent charges.
Product: Credit card or prepaid card

I received an email from XXXX asking me to XXXX for the business account I ordered. I didnt order this and called the XXXX number to correct this. I was told there were additional charges made totaling {$3300.00}. I was asked to open my computer to fill out a refund form, which I did. They showed me that I made an error and put in {$33000.00}. I was horrified and they asked me to open my bank info and it showed a deposit for that amount. I now know they were controlling my computer and everything they showed was false. They said they would lose their jobs so I couldnt send a check. I wired {$30000.00} and, {$19000.00} because they showed me that only part of the first wire went through and the second was declined. They then told me my only recourse was to buy gift cards, which I did. {$7000.00} on XXXX XXXX, which was considered fraud and removed. I also got {$11000.00} on my Wells Fargo visa. After a month of being shifted between fraud, then disputes, back to fraud and again in disputes, I was informed today that my only recourse was to go the merchants to see if any money was left on the gift cards. 
I reported this on XX/XX/2023 after buying the cards on XX/XX/XXXX. My entire checking and savings was gone, around {$57000.00}. I dont have the resources to pay this as I am now on social security with a very small pension. 
I reported the scam to the XXXX XXXX Police in PA incident # XXXX on XX/XX/XXXX and an XXXX report on XX/XX/XXXX. I also submitted a scam complaint to the PA Attorney General on XX/XX/XXXX. I also sent a copy of the email to the XXXX phishing website an feceived phone calls and emails from them.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained errors, and I have no explanation for how they appeared. I regularly check my report, but this time, there were unexplained discrepancies. I even tried refreshing my browser to rule out a glitch, but the incorrect accounts did not disappear. As a result, I am requesting a careful review of the documents I have sent to ensure I never have to deal with this issue again.