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

I opened a Huntington XXXX XXXX Checking account on XX/XX/XXXX using the bank 's website, https : //www.huntington.com/business-banking-promotions-offers, which indicated I would be enrolled in a promotion. Images of the current website and the text of the terms of the promotion at the time I applied are attached. 

After satisfying the requirements for the {$1000.00} bonus, on XX/XX/XXXX I contacted the bank via their chat service to understand why I had not yet received the bonus. A transcript of that chat is attached. The result of the chat was the representative declaring that the promotional code was not attached to my application. She agreed that it should have been since I followed the instructions on the website and received notice that the promo code had been applied. She agreed to file an internal complaint, number XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, a few phone calls and voice messages were exchanged with a different representative. The result of these exchanges were the representative claiming that I was not eligible for the promotion because the SSN used to open this sole proprietorship was also used to open a personal account that was eligible for a different bonus. She pointed to the following clause int he terms : " Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships. '' I disagree that this clause would apply to me because I am NOT " an individual business owner with multiple businesses ''. Further, the phrase " social security number '' does not appear anywhere in the terms. 

For the entirety of the requirement period ( over 90 days ) I was led to believe that everything was in order for me to receive the bonus. I was never notified otherwise and the website informed me that the promotional code had been applied at the time of the application. Therefor, I willingly let this bank hold a significant amount of money for my business as a zero interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Product: Checking or savings account

XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you with a sense of urgency. I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to have them removed. 

I first identified unauthorized and fraudulent entries on my credit report on [ date ]. In light of this discovery, I immediately initiated the dispute resolution process through your organization. Regrettably, after numerous attempts, I find myself compelled to bring to your attention that the fraudulent items persist, causing considerable distress and concern. 

I have diligently followed the prescribed procedures for disputing inaccuracies on my credit report, providing all necessary supporting documentation and information. However, despite my repeated efforts, the resolution of this matter remains elusive.

The presence of these fraudulent items on my credit file not only tarnishes my financial reputation but also poses potential long-term consequences for my creditworthiness. I am deeply troubled by the impact this situation may have on my ability to secure loans or credit in the future. 

I urge you to conduct an immediate and thorough investigation into the reasons for the repeated failure to remove these fraudulent entries from my credit report. I seek your assurance that the necessary corrective actions will be taken promptly to rectify this situation. 

Timely resolution of this matter is crucial to restoring my confidence in your credit reporting services. I insist on transparent communication regarding the steps being taken to address this issue and prevent any recurrence in the future.

If these concerns are not addressed promptly and effectively, I may be compelled to escalate this matter to regulatory authorities. I trust that your organization values its reputation and is committed to providing accurate and reliable credit reporting services. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX  {$460.00}.
Product: Debt collection

I have documentation showing me disputing this account because this account that was paid for by insurance is causing issues. The statement to me was if the bill is not paid my credit would be damage an then hang up the phone. Which is causing damages to my credit upon this very day.
Product: Debt collection

Keeps calling to work after speciffically being asked not to call. Could jeopardize my job.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

first progress, # XXXX. # 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  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. 

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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX shows XXXX different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

National Credit Adjust is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

XXXX XXXX XXXX is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account .I am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

Ive checked my credit report, and realized someone applied for loans using my information that I DID NOT authorize. There are UNVERIFIABLE inquiries showing on my credit report that I would like removed immediately. Trans Union, as well as XXXX are reporting these UNAUTHORIZED inquiries, the inquiries are as follows : Trans Union : XXXX XXXX XXXX Trans Union : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 

I would like these inquiries removed from these credit entities immediately.
Product: Mortgage

XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. 
Thank you for you time.
Product: Money transfer, virtual currency, or money service

I have been a victim of Identity Theft for about the last two years. I have received many Debit cards from various mobile payment companies. Cash app is one of those companies where I have received a debit card on three separate occasions. Most recently, I received one and attempted to contact Cash App directly. Due to the limitations of their customer service team, a dispute needs to be raised thru the app itself. Since I DO NOT have a cash app account, my husband raised the issue thru the app and informed Cash App customer service of the fraud I am facing. We have the physical debit card in our possession. 

Cash app refused to open a case or take the identity theft claim seriously. Instead, they stated that due to privacy, they can not initiate the claim from my husband and has to be from the account holder. THE ACCOUNT HOLDER IS THE FRAUDSTER- I do not have a cash app account. They refused to allow my husband ( or me indirectly ) to validate information or provide the debit card number to have it closed due to fraud. Instead, they stated that I ( THE VICTIM ) must create a cash app account in order to dispute this other fraudulent account - that makes zero sense. 

Additionally, the last time I received two other cash app debit cards, I asked them to safeguard my information to ensure no future accounts could be opened. They obviously did not do that. 

I am beyond frustrated and completely dissatisfied with Cash apps handling of this situation. My current situation remains unresolved and a fraudulent debit visa card remains open in my name. 

Cash app should immediately close all accounts in my name and cancel the debit card before there is any financial loss I may incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical bill was sent in error by my provider, XXXX XXXX XXXX to XXXX XXXX. 
There was a miscommunication between XXXX XXXX XXXX and my Insurance carrier regarding billing codes that was in the process of being sorted out when it was accidentally sent to collections. XXXX XXXX apologized for the error ( it was an honest clerical mistake, they have been very professional ) and suggested I notify Congress Collection who handles their collections and explain the situation. They assured me that Congress would pull the account back. I notified Congress Collection immediately. I was encouraged to pay the outstanding balance now even though it was still being sorted out between insurance and provider so that when it was removed, it would not be re-reported the next month all over again. It was suggested that if the final bill ended up being less that the full amount that maybe I could turn to my insurance carrier for reimbursement. I ( naively ) went ahead and paid the account through the website and immediately called back to report my payment and confirmation number and asked when I could expect to see it removed from my credit reports. I was flatly told, " Oh, we never remove items from a credit report. '' I. WAS. LIVID. It was the absolute opposite of what we discussed. So not only was this entire account sent to collections in error to begin with but I paid it upfront as the Congress representative suggested so that once removed from my reports it would not be re-reported. I have disputed the account numerous times and yet they refuse to remove the account ( that was not even supposed to be there in the first place! ) I reached out to XXXX XXXX XXXX and they apologized for the ongoing issue and sent me an official letter for both XXXX  and XXXX  requesting the account be removed from my trade lines once and for all. I simply want this account removed from my credit reports. It is the one and only negative account on any of my reports, was added in error and even the original creditor has written a statement asking for it to be removed. 
Thank you.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and I am writing this letter to dispute the following account : XXXX XXXX  and XXXX XXXX XXXX. I did not give anyone permission to sell my information to any company and due to this being listed as a collection they have violated several laws by purchasing my information without my consent and they have not provided proof of contact stating permission was given. These credit agencies and this collection agency XXXX XXXX  and XXXX XXXX XXXX  are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the E-Oscar system, show valid proof.
Product: Checking or savings account

Hi my name is XXXX XXXX authorize user of a Venmo account. 
Acct # XXXX Routing # XXXX my account has frozen without breaking policy guidelines. I am desperate need of mind money to catch up on bills and family matter. I attempted to email Venmo to get the process to release the funds but they didn't give any steps to fulfill so the account can be active. I also spoke with several representatives which who wasn't able to assist me or lead me to anyone who can. I am a verified account holder so I am baffled that this is happening. I appreciate your service and what you could do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX