23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am so upset with Huntington bank right now. I made a payment for my car on XX/XX/XXXX in the amount of {$470.00}. The check didnt go through and I was fined by my bank. I called on XX/XX/XXXX to Huntington to see if this payment would try and come out again before I made my car payment again. She said no the {$470.00} will not come out of your account go ahead and make another payment so I did make another payment of {$470.00}. Wouldnt you know they both DID end up coming out and at the same time! We have other bills to pay. Like what the hell? So I called again really ticked off on XX/XX/XXXX. A girl named XXXX said she was over nighting me a check for {$470.00} and it will be there by Tuesday due to the holiday and if it isnt to call. Well I called back today, because its Thursday the XXXX and I have received no check. Today a girl named XXXX I think told me I will not be getting a check at all. It was denied I receive it. Like are you kidding me!!!???? Two times by the company I was told wrong! It is awful when I can not afford my bills and I was expecting a check on Tuesday so I could pay those bills. We are already struggling due to our XXXX year old being in and out of the hospital. I was mislead by this company and its very very unfair. All they want is my money. This really put my family in a financial crisis. They do not care about the well being of others.
Product: Debt collection

I had a procedure at a local hospital. I received a bill for the local hospital, which I paid that week. Several months later I received a letter from the collection agency< Account Resolution Corporation, working for XXXX XXXX XXXX. The letter read, that my bill has been sent to collections. I called Account Resolution Associates who gave me the phone number of their client, XXXX XXXX XXXX, who I called immediately. They looked up my account and said I had a XXXX  balance and there was nothing I could pay. I then called the hospital that sent the previous bill, they too said that I had a XXXX  balance. I called the collector back and told them what their client told me. Their response was, my account showed XXXX balance becasue it was written of to debt collection. I told the collection agency to have their client send me a itemized bill so I knew what I was paying for. I never received the bill from the imaging place. I then called the collection agency again, they insisted the itemized bill was sent. I told them I would not pay the bill to them, I would pay it to Diagnostic imaging, unfortunately thay have no outstanding balance for me to pay. My debt was then sent to collections, dropping my credit score. 

Are their not any rules/regulations in place to keep misinformed uneducated debt collection agencies from doing this to someones credit score?
Product: Checking or savings account

My name is XXXX XXXX please add this to cfbp case number XXXX I need a update for Claim Reference Number : XXXX if they was denied please reopen them up or appeal them to have them all reopen and investigate again because I disagree with all the decisions for all of them and change the dispute types for fraudulent unauthorized for all my claims and disputes numbers I did provide or dont provide reopen them all up or appeal them all to have them reopen to be investigated because I disagree with the the decision and send me a new decision when they are all reopen investigation for all my claims and disputes for XXXX and XXXX too etc checking account number is XXXX and saving account number is XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit was sent via USPS certified mail to Innovis XX/XX/2019. 
Innovis received this affidavit on XX/XX/2019. 

Innovis was provided factual information about errors reporting on my credit report. In this affidavit **that will

be attached** Innovis was asked to report all inaccurate and incomplete information.
According to federal law, a numbered affidavit must be answered with in 30 days of reception each number point. 

In this affidavit there were a total of 14 points. Only 1 was responded to, number 13 where Innovis deleted all incorrect addresses but Innovis has not reponded to point XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX. or XX/XX/XXXX. While Innovis is technically not in default until XX/XX/2019 I am sending this complaint due to the fact that Innovis said that they concluded their investigation. 

This is a violation as they have ignored my dispute. ** The Innovis statement will be attached. ** Per my original affidavit, Innovis has until XX/XX/2019 to correct the listed issues or respond under oath with fact as to why they believe the information is factual. 

I will bring this matter to court if this information is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update XXXX and Equifax to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.
Product: Student loan

Hello, I know that FedLoan servicing is tasked with an immense project for maintaining records for borrowers attempting to receive Public Service Loan Forgiveness, but the customer service I have received has been deplorable. I have kept records of every interaction with their representatives for the past three years because I can not trust anything that occurs with this provider. 

Today, for example, I was on the phone for 46 minutes attempting to resolve an issue with my employment certification, 30 minutes of which ( at least ) were on hold. Did I mention that I was attempting to call about a form I submitted two months ago, which is not showing on my account? The turn-around time for this form should be 7-10 days. Basically, any transaction I try to complete with FedLoan takes a quarter year to complete. Yes, you read that right : a quarter year. Three months. 

Anyway, after being told that everything looked fine on their end ( but their website was acting " glitchy '' ), I was told to wait a few days and check my employment certification again. I then received two call-backs that I missed. When attempting to call back, I was sent to three different customer service reps in rapid succession with no explanation. In the end, I found someone willing to speak to me, and they told me they'd submit some kind of request and to check again in 7-10 days. I was never able to find the original customer service representative that called me back.

7-10 days. Again. 

I don't know what to do at this point. It's been three years of headaches dealing with FedLoan.
Product: Checking or savings account

This is additional information regarding complaint XXXX. Please see attached emails received on XX/XX/ indicating that all of my accounts are now active and in good standing and that my ability to transfer funds into and out of Synchrony has been reactivated. Although one might think this is good news, I still can not access my account online as you can see from the attached screenshot. When I call Synchrony with my daughter to resolve the issue, Synchrony provides no information on why I am locked out of my account and will not unlock the account. Moreover, Synchrony will not proactively provide information, saying only that we should call again in three days. And during this time, I no access to any of the significant sum in funds that I currently have on deposit with Synchrony - even after Synchrony has stated in writing that all of the accounts are in good standing. In addition to all of this, Synchrony will not return the funds transfer initiated from XXXX XXXX Bank even though Synchrony did not accept the transfer stating in the attached email that I must contact XXXX XXXX Bank to ask them to request the funds. It has now been a full week and still, left and right, Synchrony is blocking and interfering with my access to her own funds without explanation or recourse. This can not be tolerated.
Product: Money transfer, virtual currency, or money service

Good afternoon, On XX/XX/2021, I wired {$9900.00} from my Chase bank account to XXXX XXXX in XXXX XXXX XXXX. While doing the transaction I had an option of sending the money in XXXX dollars or XXXX XXXX. I chose to send in Jamaican dollars because it was XXXX {XXXX compare to XXXX {XXXX. Date of available funds to recipient was XX/XX/2021. On XX/XX/2021 when XXXX XXXX attempted to collect the funds was told by recipient bank XXXX that there was no funds. I reached out to chase who later told me that I had to do a recall on the transaction and was later told that Benificiary account was a XXXX account and could not collect the funds because it was sent in Jamaican dollars. There was a wire reversal of {$XXXX} twice on XX/XX/2021 to my account. A {$XXXX} transaction fee was charge from the {$XXXX} thus reflecting the {$XXXX}. I called Chase to let them know that I was credited twice and that I was charged a {$XXXX} fee. I was told that they will debit the second reversal from my account. I sent a second wire transfer on XX/XX/2021 in the amount of {$9900.00} and a fee of {$XXXX} to XXXX XXXX to his XXXX account. Funds was expected to be available on XX/XX/2021. On XX/XX/2021 when XXXX attempted to collect the funds he was told there is no funds. Again I reached out to Chase who advised me that transaction was completed and should do a recall so they can investigate. I did the recall as instructed. On XX/XX/2021 XXXX XXXX was told by XXXX that the funds were there but there is hold on the funds because of the recall and I needed to cancel the recall so it could be available to him. I send multiple messages through secure message from my account to cancel the recall and Chase has received and acknowledged the messages but refused to respond or release the money. I went into a chase branch and has the manager submit complaints on my behalf and still not able to resolve this issue. Chase have told the bank manager at the chase branch that I already received credit which is not the case. They fail to see and understand that it was 2 separate transaction, even though the bank records are there to prove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/24. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/24 that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX.
Product: Credit card

A credit card was approved and opened on XX/XX/XXXX. Upon logging into the Chase app, I can see the alert history that the approval notification was sent to an email but I know it wasnt my email as I checked my inbox and didnt find anything on XX/XX/XXXX. I tried to ask them to provide more information on the email but they are unable to provide that. Along with that, I am confused how Chase was able to allow someone else to open an account under my identity as they often require a security code as a two-step authentication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Hello : Im just going through my credit report a few days ago and I saw Transunion, XXXX XXXX XXXX has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to report a fraudulent account listed on my credit report under Resurgent Receivables LLC, which was opened without my knowledge or consent. This is a clear case of identity theft. I have provided police report and contacted the FTC. 

Creditor Details : Resurgent Receivables LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

I have already informed both entities about the identity theft but have been denied any information about the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter and the removal of this account from my credit report. 

Please confirm receipt of this request and outline the steps you will take to address this issue. 

Thank you for your attention to this urgent matter. 

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

On XX/XX/2021 I sent certified mail to Equifax, XXXX and XXXX advising them that I am a victim of Identity theft and do have the Certified Mail receipts as proof. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained my VALID DRIVER 'S LICENSE, my Utility bill, NOTARIZED IDENTITY THEFT AFFIDAVIT AND FEDERAL TRADE COMMISSION REPORT, and I have not received any notices that the information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this defamation of my character being reported by Equifax, XXXX and XXXX, I have been damaged and unable to fairly obtain employment, credits, loans, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I met this friend on XXXX on XX/XX/2023. We move over to XXXX to talk which we have been in contact. I was interested in what I saw from this friend. I got invested in my assets under this friend 's instructions through a wire transfer to XXXX XXXX XXXX  in XXXX XXXX XXXX to convert that money into the cryptocurrency of XXXX and XXXX through crypto.com then the fraud website XXXX that copied XXXX. The first wire transfer was {$1000.00} on XX/XX/2023, and the second and last wire transfer was {$5000.00} on XX/XX/2023. I have invested $ XXXX worth of US Dollars into worth {$150000.00} cryptocurrency in a 1:1 ratio of USDT to USD. This website imitated XXXX with the same logo but a different URL. The website immediately approved this {$21000.00} loan without any questions and put in a contract over me. But this fraud website has me locked in through a loan worth {$21000.00} and also holding my cryptocurrency. I asked the website for an alternative way to pay it back but they replied no, the payback is {$21000.00}. I have been frankly trying to find a way to pay this loan while losing my mind and sleep. I have told my sister and brother whom I trusted saying that it was a scam. I would like to do an online cyber investigation. I believe this is a fraud and a scam that I got myself into, noted as a cybercrime. I found out the scammer lead me outside of the FCA jurisdiction sights. 

They are contacting me under the name of XXXX XXXX. This is probably not their real name. Their contact numbers are below. 
XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX I had to research a bit these numbers a bit if were connected to this person however, they came out to be scammer numbers online. 

XXXX Official Website XXXX Fraud Website that imitated XXXX https : //XXXX
Product: Checking or savings account

We have two deductions taken out of our checking account showing " DEBIT CARD PENDING CORRECTION '', I contacted Wells Fargo and they are aware of the issue but have no idea when it will be corrected, this caused our checking account to go into the negative. Also, I have XXXX deposits/ credits that are not available to me.
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) 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 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I noticed a collection post to my XXXX credit file effective XX/XX/2024 in the debt amount of {$10000.00} from IQ DATA INTERNATIONAL. 
Claiming to be from creditor ACCENT OF THE GALLERIA. This account was open fraudulently due to identity theft. I have NEVER lived at the address on this account. Please review all addresses in my XXXX CREDIT FILE. IVE NEVER LIVED THERE!!! PLEASE DELETE THIS ACCOUNT. IMMEDIATELY! I HAVE FILED A IDENTITY THEFT REPORT AND A POLICE REPORT ON THIS MATTER PLEASE REVIEW ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

Recently i looked a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate Account name : XXXX XXXX XXXX number account : XXXX
Product: Mortgage

Trial modification received XX/XX/XXXX, XXXX XXXX, XXXX I spoke to my attorney for an explanation as to why the amount was astronomical He told me they charged double payments to catch up on the arrears I paid the trial for those XXXX months XX/XX/XXXX I received the modification but the incorrect wage amount was still applied despite the attorney and Shellpoint Mortgage acknowledging my income listed was incorrect They refused to rectify the issue and given that I could not sign nor afford those terms, I was at ground XXXX and XXXX risk of losing my home. I believed it was a well known fact that modifications are to Serve people in need of support and believe thats true when done correctly, but this company refused to correct the information that was completely incorrect ( double ) from the reality of my actual income. So what happened? 
I am stuck and in dire straits awaiting the potential XXXX from my home
Product: Debt collection

My wallet and identity was stolen after losing my wallet that included my drivers license, social security card, with debit and credit cards also. Below are the fraudulent accounts and fraudulent Inquiries. 

FRAUDULENT ACCOUNTS AND INQUIRIES DUE TO IDENTITY THEFT ON XXXX. THEY ARE AS FOLLOWED ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX. 

FRAUDULENT INQUIRIES ARE AS FOLLOWED ; XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX