23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reporting inaccurate and fraudulent information on my credit report. Despite multiple dispute attempts, the reported accounts contain errors that have not been corrected. I have taken the necessary steps to address these inaccuracies, but the companies involved have either failed to respond appropriately or have continued reporting incorrect information. The Disputes dates are all attached to my Identity Theft report
Product: Credit reporting or other personal consumer reports

I have paid membership with all XXXX of the major credit reporting agencies. And I filed a dispute with Equifax on an account by the name of XXXX XXXX XXXX. After the allotted investigation time of 30 days, the results was confirmed and I received notification that XXXX XXXX XXXX was removed from my account with Equifax on XX/XX/year>. I've logged into my account with Equifax serval times and verified XXXX XXXX XXXX was not being reporting on my Equifax account up to XX/XX/year>. Then on XX/XX/year>, Equifax reported XXXX XXXX XXXX back on my account with them as a new account. And it reduced my credit score XXXX to XXXX ( XXXX points ). 
I called Equifax and spoke with agent XXXX XXXX XXXX XXXX and asked for immediate correction. XXXX advised that she was a fraudulent representative for Equifax and filed another standard dispute on my behalf with a 30 day processing time. Which I strongly disagree with and believe that this should be corrected immediately. I'm attaching my before and after account summary with Equifax showing that XXXX XXXX XXXX was not on my Equifax account and then added in error by Equifax. Please have them too correct this immediately.
Product: Checking or savings account

They sent duplicates of my card to an old addresses that should not have been on file still. Then shut both cards down without notifying me of anything. I have now tried to order the card multiple times and have still not received one. I have talked to supervisors and others at the bank and feel passed around. I feel my security has been at risk because of what workers they have and the protocols that have been established by the bank.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : I am writing to request an investigation of the following information that appears on my Equifax consumer report : Dispute 1 : XXXX XXXX XXXX Amount : {$110.00} Date : XX/XX/XXXX Explanation for dispute : Account does not belong to me ; credit was breached Dispute 2 : XXXX XXXX XXXX Amount : {$330.00} Date : XX/XX/XXXX Explanation for dispute : Account does not belong to me ; credit was breached Dispute 3 : XXXX XXXX XXXX Amount : {$610.00} Date : XX/XX/XXXX Explanation for dispute : Account does not belong to me ; credit was breached Dispute 4 : XXXX XXXX XXXX Amount : {$5800.00} Date : XX/XX/XXXX Explanation for dispute : Account does not belong to me ; credit was breached
Product: Mortgage

I have my HELOC on auto draft with Sandy Spring Bank in Maryland formerly known as XXXX XXXX I now bank with SSB, business and personal. I also have a mortgage and HELOC with them as well. I was with XXXX XXXX before the merger. In XXXX of XXXX XXXX bought XXXX XXXX. During the two banks merger, I had numerous payments on eft ( at XXXX XXXX  ) that did not transfer over. Nobody called or let me know from SSB that they had an internal problem and eft 's were not going through. I found out when creditors called and told me I was late. I explained I was on eft and was able to rectify the problems quick and without penalty 's on my credit report. When I called SSB they admitted they had eft problems. This takes us to my case : I had my HELOC on auto draft with XXXX ( now Sandy Spring Bank ). Sometime in XXXX SSB removed my auto draft without letting me know. This caused my auto draft payments to not go through and create a 30 day late payment. SSB never contacted me all the way through XX/XX/XXXX until I got a notice from my credit agency that I was 30 day late. I had to reach out to SSB and ask what happened. They didn't know and couldn't explain. I then wrote a letter explaining this was a misunderstanding and polity asked to remove it. I was trying to be diplomatic and not point blame at SSB since we don't have a good prior relationship. ( I will explain in the next paragraph ). My payment amount is {$570.00} per month. It is an internal transfer or auto draft within SSB. Between all my bank accounts with SSB there was plenty of money to pay the payment. SSB is nutritious for calling when something is wrong. Nobody called, no letters, nothing explaining auto draft has been removed still to this day. I was completely blindsided by this almost 3 months later. Before this incident I had 0 late payments on my credit and a XXXX score. Now it is XXXX. 

I'd also like to note that I had significant problems with SSB prior to the banks merging. This dates back to XXXX. My business banker played a lot of games with my accounts. At one point SSB settled out of court with me for some unscrupulous activates involving posting debits before credits. Not long after the settlement my business banker rejected my payroll in retaliation. They had never done that until the settlement. For that reason I had left SSB a few years ago, and moved all my banking to XXXX XXXX. To my dismay, SSB ended up buying XXXX XXXX  and I was right back where I started. Within 90 days, my current case happens and I fell once again into this retaliation trap from that same person.
Product: Checking or savings account

I deposited a check from my employer on XX/XX/XXXX at the ATM that is the same employer who direct deposits my direct deposit. Huntington then without cause or justification placed a hold on my deposit. They were rude and refused to give a reasoning for the hold only stating it was regarding the collectability of the item. I went to the branch and they called and I had my employer on the line who stated they could contact them or their financial institution that it was drawn off of to verify they refused. I had previously spoke to the call center who was rude, would not give me any information and accused me of committing check fraud against my same employer who deposits money in my account. The call went left of course as I have been with with Huntington for a long time since I lived in Michigan and to place a hold without cause and then refuse to even attempt to verify the item was not justified. Then on XX/XX/XXXX I attempted to login to my account I could not I called the call center again and they said I needed to go into the branch as they could not discuss the account. I went to the branch who knows me very well as again I have been a longtime customer for years they called the corporate office who told them my account was being closed due to the phone conversation the previous day and that I was attempting to commit bank fraud. This is not true and my employer even was going to verify the item. I talked to several people I know and they told me Huntington has done this to them also that they will accuse good customers of frau and close their account without just cause or place extended holds on their accounts for no reasoning. Now they are returning my direct deposit and I will now be getting evicted because they refuse to give me my deposit. I can not pay my rent or car payment and they have over {$2000.00} of my money. No one was committing fraud and the employee 's were rude and Huntington has a pattern of doing this behavior without just cause. Using bank discretion as their excuse.
Product: Payday loan, title loan, or personal loan

Involved with XXXX XXXX XXXX for debt consolidation and paying the company to handle all debts including the debt with Regional Finance. Regional Finance was informed of this and continues to contact my personal and work place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the restrictions that block both my wife and myself from acquiring and downloading the weekly Free credit report from XXXX We've already filed several complaints through the CFPB website on this matter, but this time we're told to open a complaint that only mentions the XXXX ban that's preventing us from seeing what banks and lenders see when they pull credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My previous loan servicing company Ditech had my loan ( XXXX ) and they were receiving the payments automatically by XXXX XXXX ( biweekly mortgage program ). Ditech sold the loan to XXXX in XX/XX/2018. Ditech then forwarded the XXXX payment to XXXX But on XXXX they kept thenpayment and did not forward the payment. XXXX has confirmed that they received XXXX payment but NOT XXXX. Ditech refuses to assist my husband and I. Due to this issue we were not able to refinance our FHA loan to a VA loan like we were hoping to do so since my husband is a XXXX veteran who is not getting any better per Veterans affairs. So to help our family I started the process to refinance and all this has come to light. Both companies are pointing fingers at each other now {$1900.00} has gone missing because they took the money from our account. Ditech claims they received it but forwarded it to XXXX XXXX and XXXX has confirmed they never received it. Ditech will not provide any proof that they sent it and hung up on my husband and I today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX JPMCB ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Product: Credit reporting or other personal consumer reports

On my XXXX, XXXX and XXXX credit report it showed I have a credit I have a revolving account from first premier stating I opened account with them XX/XX/XXXX and balance XXXX account is closed and showing on my credit report with a payment never being made. This clearly is not mine all my credit cards is paid on time thats on my credit. I want this removed off my credit immediately I been disputing for years and they still havent provided any documentation proving this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 an d Experian still showing in my credit report   XXXX   account late, I only hav e   XXXX   new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have civil citation for charge Amount {$4700.00} - XXXXXXXX XXXX XXXX. I never entered into verbal agreement, I never signed an agreement or any document, I never signed a contract, I never authorized this credit card for the charges that Im accused of. This is fraud. I was not aware and again I didnt authorized for this account or card to be open. I just learned about this debt because I got served. Im asking for help. I have call XXXX XXXX XXXX Fraud department twice and Lending Clop, and explain that this is fraud, I have not authorized anyone, signed or agreed to get this card. I only have 1 credit card with XXXXXXXX XXXX and its XXXX XXXX. I have requested both XXXXXXXX XXXX and XXXX XXXX to open an investigation for fraud and they advice me to reach out to the court, which I did to let them know that Im working with XXXXXXXX XXXX and XXXX XXXX XXXX department. 
I was told by both XXXXXXXX XXXX and XXXX XXXX that this credit card was approved at medical office ( no names or medical office name given to me ) but address & ph used on credit card application my old address and my ex wife phone number that was on the credit card application. I then realized it was my ex wife using my personal information for her benefit. Its not the first time that she has done this to me, while married to her I had to pay many of her debts. 

I separated from my ex wife end of XX/XX/XXXX and moved to XXXX Tx to life with my sister and file for divorce XX/XX/XXXX and divorce granted XX/XX/XXXX. 

Im asking to solve this matter and investigate this fraud. Im willing to cooperate in any way to assist with this investigation. This was done without my knowledge, I was not aware of this debt. 
I already filled police report with XXXX Police Dept - XXXX XXXX ID XXXX / report XXXX I have called XXXX and set up fraud alert on my credit with automation system confirmation # XXXX. 
Please investigate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I have filed two prior complaints with the CFPB about this bank, HSBC. On XX/XX/XXXX my friend made two wires of {$10000.00} each. For some reason HSBC deemed them fraudulent which they were not.

Since then I have been trying to get my money 's returned. After numerous phone calls from the bank with false promises and false information. I still have not received any moneys as of yet. 
After my last complaint XXXX XXXX contacted me, and told me to get a hold of XXXX XXXX for any information. I have tried to call them numerous times, I have left messages, and I still have not received a response from their office. They demanded the depositing bank XXXX XXXX to send in a hold harmless letter to HSBC. Which they have complied with this request. And still HSBC has been refusing to turn the {$20000.00} to XXXX trust. In my opinion this bank is unscupulous and treats its customers like they don't matter.
Product: Credit reporting or other personal consumer reports

I contested the information with XXXX and contested the information with XXXX no documents sent I indicated the account was not mine I did not open up an account in XXXX with Advance America nor did I apply for any loan, I requested information since this account appeared on my credit report, The individuals telling me to contact other parties however the company they submitted my information should be the individuals to remove the erroneous claims.
Product: Payday loan, title loan, personal loan, or advance loan

I use Paypal XXXX for mang years, recently they charge me for a loan that I already paid since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by National credit adjusters on XX/XX/2019 for two delinquent account on my credit report ( XXXX XXXX  ) in the amounts of {$180.00} & {$130.00}. We agreed and they have me on their recorded line that I would pay an amount of {$240.00} to not only have my accounts paid in full but also they would contact the credit bureaus to remove the delinquent accounts. These paid in full accounts are still appearing on my credit report.
Product: Checking or savings account

On XXXX my lowest balance was XXXX and after on XXXX was XXXX on XXXX my lowest balance was XXXX and XXXX lowest was XXXX, XXXX was XXXX, XXXX I received a notice that a payment for XXXX was returned to XXXX for my credit card payment. Making me miss my payment due date and causing a fee from both my credit union and XXXX directly. This makes my account with XXXX become flagged as I haven't had it open a year yet. Suncoast credit union claims my account was at XXXX which would only be possible after they attached a fee. Which didn't occur until XXXX this bank is in my opinion fraudulently breaking the financial regulations set up to protect consumers. When I called and told them if they were taking deposits after withdrawals then that is breaking the law the representative XXXX told me to call my attorney if I felt that way. Over {$29.00} who is going to do that? I'd expect this from XXXX XXXX or XXXX XXXX XXXX but a credit union. Times must be getting really rough if the credit union is scamming checking accounts that are always in the positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to chase at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however Chase reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.
Product: Credit reporting or other personal consumer reports

I have not given you written permission to put anything on my credit profile according to 15 USC 1681 b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST XXXX XXXX 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Vehicle loan or lease

I brought a lemon 2011 XXXX XXXX was in the shop for a half a year on return of the car the car has not worked correctly it is now going into shop for repairs it was over price which the blue book value the car for XXXX which XXXX charge me XXXX ; XXXX took them court the judge agree it was a lemon but could not award me a buy back because it was small claims court I won XXXX I get my bill XXXX months ago they claim now there a payment missing I sent copy of judgment paper work receipt but Santander bank acting like they don't have a clue what to do
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that were not authorized by me, including multiple closed accounts that are still being reported. These inquiries have negatively impacted my credit score, and I seek immediate removal of these inquiries from my credit report. 

XXXX : reported closed 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 : Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : reported closed 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 

Experian : Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported closed 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 Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I was in college ( XXXX ) I banked with Wells Fargo and I was charged erroneous overdraft fees because my account reached negative dollars ( they told me deposits hadnt settled ). I tried settling this with Wells Fargo back then but was brushed off and forced to pay the fees they were charging me. Given this recent news about the Wells Fargo scandal, and the fact that they havent reached out to me to right this wrong, Im looking for reimbursement of these charges plus interest, because if the shoe were on the other foot you know they would charge me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXXXXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.