23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute a couple of accounts with Transunion in XX/XX/XXXX and then XXXX. While some things were fixed, I have two collection account and hard inquiries remaining where I believed they never investigated. To my knowledge they are suppose to investigate at request and when I called to get an update on some accounts, they told me that they refused to investigate because they didn't know it was me. I've even sent my ID and bank statement in a letter before, and they still send me a letter saying they didn't know it was me. 

In XX/XX/XXXX, I used a credit repair company called XXXX XXXX to dispute two accounts XXXX XXXX XXXX XXXX XXXX XXXX deleted it without question ) {XXXX XXXX XXXX XXXX XXXX  I checked in XXXX to see if the accounts were showing they were disputed, and they showed. A couple months later, XXXX the XXXX XXXX I checked again, and they just showed as updated, there was no investigation done. So I called and the representative said they refused to investigate the two collection accounts. I also submitted a request for an investigation for some hard inquiries to me removed, and they refused to investigate those as well. It has been a month now. This is really affecting me getting a house.
Product: Debt collection

I was called by XXXX XXXX about an account saying I owe a XXXX final bill for {$210.00}. I asked for information about the account and all they could provide me with was an amount. This account is on my credit report and they have no information at all. I asked the company to remove it from my credit report repeatedly and the rep hung up on me. I called back to speak to a supervisor and they said it would take 24 to 48 hrs to review. I want this removed from credit report immediately.
Product: Bank account or service

On XXXX XXXX 2016, I decided to take advantage of A {$200.00} Huntington Bank promotion for opening up a checking account and depositing {$1000.00} within 60 days. After I successfully competed the application process, part of which was verifying my identity using my Drivers license ID number. The Huntington website then took me through an additional identification process by asking me questions regarding my past. I answered all 4 questions successfully. However, this still did not satisfy the process and I was asked to go into a Huntington Branch with my ID. 
On XXXX XXXX I walked into the Huntington Branch at XXXX Mi. XXXX. The teller completed my identification request and updated my application. It was approved and my account opened at which time i immediately deposited {$1000.00}. 
As of XXXX XXXX, 2016 I have not received my {$200.00}. I have contacted Huntington numerous times and they refuse to honor the promotion. They imply that when the teller updated my information it altered the original application to an on sight application. The promotion only honors " online '' applications. That is not my fault and is then a Huntington error. My original application was online. Huntington Bank directed me to go to a branch to complete without any indication doing so would alter the original application. 
For Huntington to refuse to honor the promotion is insane As for my family military status : there is no code displayed that correctly identifies my Brother : XXXX XXXX, he was special forces and all other information about him is classified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The Experian, and XXXX Credit Bureaus 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 items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint 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 take 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 for these violations. appropriate
Product: Student loan

When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.
Product: Debt collection

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : Account ending in XXXX Creditor : Capital One N.A. 

This account is incorrectly being reported as a collection account with a balance due. 
Please provide proof of the collection and update the balance to {$0.00} or delete the negative payment status on this account. 

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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that, but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name, address and phone number for these " unknown medical '' accounts, so if they do n't even know who these companies are, how are they verifying them with the creditors???? 
UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX
Product: Student loan

I was assigned Aidvantage as my student loan servicer over a year ago while the federal government put a pause of federal student loan interest and repayment during the XXXX pandemic. I initially completed an application for the XXXX XXXX plan in late XX/XX/XXXX. After not hearing back from Aidvantage I called them in early XX/XX/XXXX and was told by a representative that my initial application was incomplete and was instructed to submit a second application for the XXXX XXXX. I submitted this second application and after not hearing back from Aidvantage for a while I logged onto my Aidvantage account and noticed my loans were on administrative forbearance. I called Aidvantage in early XX/XX/XXXX and was told that my loans were on administrative forbearance because there was a duplicate application in the system. I explained why there were XXXX applications and was told the problem would be resolved. On XX/XX/XXXX I was approved for the XXXX plan and on XX/XX/XXXX made my first monthly payment of {$340.00}. However, on XX/XX/XXXX I logged onto my online Aidvantage account and it said my loan was once again on administrative forbearance. I called Aidvantage and the representative once again told me this is because there are XXXX applications in their system. I explained this was previously an issue that was supposed to be resolved and they said they would delete the duplicate application. I checked my online account later that day and it looked like the issue was resolved and my next payment was going to be due in XX/XX/XXXX. However, I logged onto my online Aidvantage account today and once again it says my loan is on administrative forbearance. I tried calling Aidvantage but after being on hold for XXXX minutes the call goes to voicemail. It seems every time I speak to a representative at Aidvantage I am told different information and the issue is never resolved. I already submitted XXXX complaints to studentaid.gov but all I received was generic responses and am not hopeful this problem will ever be resolved. In my complaint to studentaid.gov I asked for my loan servicer to be changed to XXXX which my wife ( who also has federal student loans from medical school and is on the XXXX XXXX ) has as a servicer and she has had no issues at all.
Product: Checking or savings account

I am a customer of Huntington Bank, formerly XXXX. 

On Thursday, XX/XX/XXXX I checked my bank balance because I was going to make some monthly payments. Everything was fine. 

Later in the day I got a call from Huntington Bank. The caller said there was a charge he was checking to see if it was mine. He said it was " XXXX  XXXX ''. I told him it was not mine. He said they would take care of it. I asked how it happened and he said they accessed it through my debit card. I asked him to close off access to my debit card. He said he would cut off the debit card. 

I had a question that I wanted to ask about making my house payment so I called back. I recognized the phone number as the one I always called and received phone calls on. But this XXXX time the call was answered personally by the person who had called me earlier. He told me that I had to transfer the money in my savings account to the checking account in order that all my funds would be protected. I did as directed. 

I thought it was odd that the man answered the phone number I had always made and received calls on. During XXXX of our conversations he asked me if I knew someone named XXXX XXXX. I said I did not. 

On Monday the XXXX I saw more charges but I figured they would be taken care of because of the conversations on Thursday and because they were marked " pending. '' Within a short time some large XXXX purchase appeared on my online account : {$790.00}, {$690.00}, {$630.00}, {$730.00}, {$770.00}, Nobody called from the bank to ask me about these questionable charges. 

I have never ordered anything from XXXX. 

Because I had been talking to someone on the phone number I recognized, I felt safe. However, this circumstance suggests there was/is some internal problem, maybe fraud internally at Huntington. 

I had gone ahead and made some monthly payments but started to receive " not sufficient funds '' notices. I called the bank on XXXX, the XXXX. They said they were " working on it. '' After XXXX phone calls that made me to understand it would be alright, I should not worry and they had their research team working on it, I thought maybe matters would improve. 

It is not alright. I have lost {$4200.00}. I am over XXXX, retired and on a fixed income. 

I have not received any merchandise from " XXXX  XXXX '' or from XXXX. I would suggest a proper investigation would be to find out who got the things I did not order. 

On Friday, the XXXX I called the bank. They said they closed the investigation on the previous Wednesday I believe the bank has failed to freeze my account, possibly - negligently let someone take over their system to commit fraud, failed to do the merest investigation and failed to put the money back into my account. 

Please help. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I believe that I am a victim of predatory lending due to a low credit score at the time of financing. I financed the vehicle in XXXX of 2019 for around {$29000.00}. As of recent, I still owe {$25000.00}. Monthly payments are {$670.00}. Multiple occasions throughout the loan, I have fallen behind, and the company has admittedly violated the Fair Debt Collection Practices Act. The company has called me up to XXXX times an hour, daily, emailed me 3 times a day. The company has disclosed my account status to a reference on my loan. I called to complain and the supervisor listened to the call, agreed it was a violation and gave me a XXXX month extension to smooth things over. Each time that I have faced financial difficulties, the company has violated the FDCPA. This, in addition to what I believe is predatory lending, has led me to submit a complaint, in hopes that this company and their lending and collections practices can be looked into. Due to the predatory lending, I will never be able to pay this loan off. It has been 5 years and I have paid off less that {$4000.00} of the principal balance. In addition, when I have fallen behind, they use harassing collection tactics in order to get a hold of me. No other company that I have a loan with behaves this way.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXXXXXX XXXX XXXXXXXX ], I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX ) account, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I received a call from a man saying are you ( my full name ) and you live at ( my address ), I said yes. He said he was a legal processor, and needs to serve a legal judgement against me tomorrow XX/XX/XXXX @ my home address between XXXX, and asked if I would be home, I said yes. I asked him from what company was this from? He said it is a sealed confidential legal envelope and he does not know. But if I have questions, I can call XXXX and give claim # XXXX. I called, the woman said she was with XXXX, XXXX XXXX XXXX. I asked what this was about. She knew my name, address, phone #, last 4 of my social security #, my current, and my previous address in another state. She said Wells Fargo had a judgement against me for a delinquent XXXX XXXX account and that I owed {$3400.00}. She said they have attempted contacting me several times with no response to settle debt. I asked how did they contact me and when. She said a letter was sent to my previous address in ( state XXXX ) in XX/XX/XXXX & to my new address ( state XXXX ) in XX/XX/XXXX. I said I never received any notifications or calls. This exact same situation took place with me about 3-4 years ago, supposedly a debt from Wells Fargo XXXX XXXX account XXXX But back then it turned violent and threatening of my imprisonment, my life and my families lives. I called Wells Fargo back then and was assured they do not use XXXX XXXX and there is nothing under my social security #. I did the same today. Again re-assured they only use XXXX XXXX XXXX and nothing under my social. They advised me this is a phishing scam and to report to FTC, who referred me to you. I called scamer back 2 times to ask their address, the woman provided XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. IL XXXX and told me to " cease & desist from calling us and used my first name ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report. I am unaware of the address and jobs that is reported on there.Please remove any address and job off my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage via XXXX XXXX XXXX two days ago, I was denied, fine, and today they pulled my Experian report but it was typed in differently, instead of all caps, instead of, XXXX XXXX, it was XXXX XXXX, I have not resubmitted the application and it is pulling my score down with unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
They really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case. PLEASE delete these accounts from my credit report, thanks in advance.
Product: Debt collection

They are falsely reporting information on my consumer credit report without my permission and is con-spiring with the original creditor in clear violation of 18 USC 894 , 18 USC 1028A , 15 USC 1681b , and 15 USC 6802 . I am requesting that this account be deleted from my consumer report and a monetary settle of {$5000.00} for the five violations listed above and deformations of charter, adverse action in credit denials because of this account inaccurately reporting which has also caused emotion distress.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request on XX/XX/2024 and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute which was on XX/XX/2024 Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : TOYOTA MTR Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.