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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Lakeview loan servicing just put a new interface on their web site. as a condition for doing. 
business with them online users are required to : XXXX. Allow them, Lakeview loan servicing, XXXX XXXX, XXXX XXXX XXXX and others to access and pull my XXXX XXXX and share them with their partners and affiliates. This is an unwanted invasion of my privacy! 
XXXX. I have to accept unwanted telemarketing calls and solicitations from XXXX XXXX, Lakeview Loan Servicing, XXXX XXXX XXXX, others, and their affiliates despite being registered on the XXXX XXXX XXXX. I have to allow XXXX and others to send XXXX XXXX to my phone for product solicitations In order to see any of my account data, I had to agree to those terms just to validate that my payment had been made and attributed to the account, I agreed. Immediately after I got the information I needed, I sent the XXXX XXXX XXXX website administered by XXXX XXXX XXXX ( Opt-out a request - Case XXXX ) an XXXX to the support to rescind any permissions associated with all their terms of service. 

Despite it being during normal business hours, the only thing I received from them was a case number assignment, which did not concur with my request.
Product: Credit reporting or other personal consumer reports

I paid my balance off with affirm and it took my credit scores with XXXX, XXXX and XXXX down. I need it off my report.
Product: Checking or savings account

On XXXX XXXX  I had my autopay mortgage sent for my mortgage as has been the case for many years. 
I was notified by Ally Bank that due to insufficient funds the payment would not be made. I quickly transferred funds between accounts and resubmitted my mortgage payment on XX/XX/XXXX. 
I contacted my bank and the payment was received. 
On XX/XX/XXXX, Ally bank on its own behalf went ahead and sent a second mortgage payment without my authorization. I notified them and began the dispute process. I ironically emailed the bank on XX/XX/XXXX. 
After several calls to Ally, before the dispute had been finalized, I was told that the funds had been electronically sent and could not be returned. As the two payments, mine on XX/XX/XXXX covering the XX/XX/XXXX payment, and second the payment Ally sent on its own behalf on XXXX had both been deducted from my account- paying my mortgage two times in one month- which I can not afford to do at this time.

So After my last call with Ally I called my mortgage company to see what they could do- and while on hold I noticed Ally replaced the funds in my account. I apologized to my mortgage company.and thought the problem had been solved. 
However, these funds for the second unauthorized made by Ally were only temporarily restored while the dispute was being considered. 
Finally Ally responds to my dispute and basically said I was disputing the XX/XX/XXXX payment ( which I never was ) and that they were remitting this second Payment by XX/XX/XXXX. 
Suddenly the payment Ally had shown in my account on XX/XX/XXXX had disappeared in my statement! 
I responded to the dispute that the dispute was over the XX/XX/XXXX payment they made ( the second payment ) and how did they mix this up with the XX/XX/XXXX payment that I made which was covering the XX/XX/XXXX payment that was not covered. 
With all the frustration I transferred all funds to a new bank and left XXXX in the checking account at ally. 
They went ahead and STILL submitted this second payment- overdrawing my XXXX which now reflects at my mortgage company as a Principal Payment. 
So now, my Ally account is over drawn- I was closing the account but still left XXXX. They took the XXXX, paid my mortgage company a payment I did not request nor can I afford. And now its all confused. Basically I was robbed by Ally Bank, I do not know what they did, nor how this mistake occurred. I can not afford to make two mortgage payments in one month at this time- nor did I request such. Had the bank made some sort of an error in which they automatically resubmitted the already paid money, they should have just returned the second payment back. I really do not know what happened here But, I did not request my mortgage to be made two times in one month. And I am not sure what part of this is misunderstood but they lost a customer. And Ally is going to need to fix it. And I think, imagine if my mortgage were much higher, its not so much the money as it is the blatant misuse and stealing that occurred. Please message me with any clarifying questions. I want this issue resolved.
Product: Credit card

I took out a XXXX Chase credit card. The card specified that after {$500.00} in purchases that a {$200.00} credit would be given. The purchases needed to be made within 3 months of taking out the card. In the third month I attempted to make purchases at a pharmacy and the card was denied. The pharmacist tried twice. I then called the XXXX number on the back of the card and was told that the purchase went through. I asked if I was now qualified for the {$200.00} credit and was told yes. I then called the same evening and spoke to representative on the phone to confirm that I had reached the {$500.00} threshold. I was told that the {$200.00} credit takes several months to appear. I checked today because it has not appeared. i was told that they do n't have any record of my purchases going above the {$500.00} threshold. My pharmacy informed me that the purchase that we thought was approved was not! I paid the pharmacy. 

Chase owes me the {$200.00} credit. They refused on the phone today and chose to cancel the card. Can you help me with this. I used the card according to the rules they set out. They chose to block its use at the pharmacy, I called to correct it and was informed that it was OK. 

Thanks.
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under XXXX XXXX XXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report
Product: Credit card

I am disputing the collection account with KUBOTA CREDIT CORPORAT, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that KUBOTA CREDIT CORPORAT provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$250.00}
Product: Checking or savings account

On XX/XX/XXXX someone used debit card number to make fraudulent charges. Reported it and card was stopped. I was refunded the money. But after numerous attempts still unable to get replacement card. They say will mailed XXXX in XXXX to XXXX business days. The cards never arrived. Called back told same thing Have talked to several agents and supervisors XXXX has been 3 months and I still don't have a debit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. XXXX  and TransUnion list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this information.
Product: Checking or savings account

Current Card took my deposit of XXXX dollars and then closed my account for no reason at all I tried to get in contact with the company but they take hours to respond and have no immediate support that can help me with this issue. Now i don't know when or if I will even get my XXXX dollar deposit back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file with transunion. this is my 2nd attempt an needs to get this issue resolved. checking my credit file ive noticed alot of errors that are causing delays. please review an remove the information submitted asap.
Product: Credit card or prepaid card

Capital one closed all my account and they used a bogus excuse saying that I had a disruptive call with a customer service agent that is unexceptable people have bad experience sometimes calling customer service no reason to close all my accounts checking savings and credit cards account then a few months down the road I applied for a secured credit card was approved sent my funding amount to fund my account then they close that account like this is stopping me from building my credit and making a better life for myself I need something done about this I want my secured credit card account reopened double Jeopardy you already closed accounts for one situation so someone must be monitoring my account personally to know I'm applying for credit card with the company I also will be speaking to my lawyer about this if I'm restricted from your platform then I should be able to apply I want justice severed company can't be taking advantage of customers like this most of the customer service agent are imagrants they don't understand you have to keep repeating your information several times this can be aggravating and if I got a little frustrated with them it's still not a good reason to be closing my accounts this needs to be fixed
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX & XXXXXXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery Associates is illegally re aging an account which I have disputed and do not claim ownership of on my XXXX Credit Report in violation of FCRA Section 623 ( 5 ) (  A ). They have not validated any of my disputes yet on my XXXX Credit Report it shows an collection account as " current ''. 

They have never validated the alleged debt of which I disputed twice, not provided who the alleged Original Creditor was, nor have provided a history of activity on that account to validate the status. 

It appears on XX/XX/2016 on my XXXX credit report was the date this disputed account was opened. However at no time has the disputed account been validated, nor has the status as " current '' been validated with evidence of any activity from me. 

I am requesting that Portfolio Recovery Associates validate the information including providing who the alleged Original Creditor was and provide information validating the information under the FCRA. 

If they can not validate the information then I am requesting deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX card services FTC violations
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING UNDER 605C. I HAVE UPLOADED MY SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE UNDER 605C.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - for 30/60 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

In XX/XX/year>, I received XXXX packages from XXXX different online clothing retailers : XXXX XXXX ( {$79.00} ) and XXXX ( {$110.00} ). After receiving the items and finding them unsatisfactory, I attempted to return them following the instructions provided by both merchants, which stated to email them to initiate a return. 

I emailed both companies shortly after receiving the itemswell within the return windowand attached screenshots showing their return policies. I received no response. I followed up with additional emails over the next several weeks but never heard back from either company. I was never provided with return labels or instructions on how to complete the return. 

Since both companies failed to respond, I contacted Wells Fargo and filed disputes for both transactions. I submitted all the relevant documentation, including the merchants ' return instructions, the emails I sent, and a timeline of my communication attempts. However, Wells Fargo denied both disputes, stating there was no unauthorized charge or billing error. 

I am disputing these charges not because they were unauthorized at the time of purchase, but because the merchants failed to honor their return policies or complete the transaction in good faith. I am now left with unwanted items and no way to return them. I am requesting assistance to have these charges reversed due to the merchants unresponsiveness and failure to fulfill their stated return process.
Product: Debt collection

Hospital attempting to collect charges beyond those that my insurance company has deemed allowable, based on their contact as a provider. This practice is considered " balance billing '' and is prohibited by law.
Product: Credit card or prepaid card

I filed a complaint with your agency XXXX American Express after multiple letters and emails from me, finally responded to the Government with a bogus, lying explanation. 

I have multiple emails to me from different people who told me, my card did not exist on their system ... .my card which says XXXX. 
THEN ALL OF A SUDDEN WHEN THE GOVERNMENT IS LOOKING AT THEM, they come up with a lame exuse that I cancelled the card. What????? Why would I cancel a XXXX XXXX XXXX. 

AMERICAN EXPRESS HAS NOW LIED TO A FEDERAL AGENCY. 

I demand a full explanation. when was this card issued? What records ( all of a sudden after 4 months of inquiring and being told their computer doesn't have a record of my card, they come up with this wild story " i '' cancelled it??? WRONG. 

IF SOMEONE GIVES ME A CARD WORTH {$100.00}, i DON'T CANCEL IT ... THAT IS A NUTS STORY THEY GAVE YOU. 

YES, they called twice, but never answered the phone when I returned a message. Ignored my voicemails when I could be reached. 

American Express has lied to you. My plastic card has prepaid gift card phone number on back of it. An XXXX number which I initially tried ... .but their computer had already erased it because it expired... according to card front in XXXX -- during the height of the covid lockdowns, so it was never used until I tried in XXXX. 

I ask the government to keep this open. American Express is lying, bluffing, failing to honor a pre paid card ( per the card itself ) and changing its story already in emails to me.
Product: Checking or savings account

I bank with SunTrust since last XX/XX/XXXX and as of XX/XX/XXXX they closed my account for no reason, something about rules and regulations and I contacted a lawyer and was told to go to one of the branches and close the account out on my own and take my money and bank some place else, but they told me I couldn't do that either, so I'm on the verge of being homeless cause I don't have any money, I've done everything and no help. I haven't done anything wrong. Please help me
Product: Credit card or prepaid card

My wife and I have multiple XXXX XXXX Accounts with Synchrony bank. We have a flawless payment history with them as well. They are have started repeatedly reducing out credit lines therein increasing our total usage percentage on our reports which results in a lowered credit score. We pay everyone on time and have a flawless credit history. Synchrony banks practices, without cause have been the number one reason we have seen reductions in our credit scores and they continue to do this and then use the reductions they caused to our credit scores as the reason to then do it again. This is absolutely ridiculous to people who pay every bill on time. Furthermore, the " algorithms '' that this bank and reporting agencies use are clearly designed to set up the consumer for failure. This is so unfair to people who pay ALL of their bills on time. After all, isn't that what credit is all about???? We ask that Synchrony bank restore our credit lines to their highest limits and Stop this ridiculous practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  have violated my rights 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.