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

Hello i want to make a complaint to XXXX and capital one.tiktok took out XXXX from my capital one checking account.I contact XXXX to dispute the charge first and they tell me to send proof of the transaction with the day and time the transaction was make and a screenshot of my XXXX transaction history i send them all the so they can investigate. one week later i call my bank to closed a cd account but i didnt report the transaction because i was waiting for XXXX  response of the investigation so i can give all the proof to my bank is they tell me they cant give the refund. So then I contact my bank and now they are rejecting due to incoming activity and a call I had from XX/XX/XXXX. My card was used since XX/XX/year> one week after I called the bank, it was to close an account. At that time, XXXX was investigating the transactions because I told XXXX first and they told me that they were going to investigate what happened. I was looking for proof from them to give to my bank when i call to do the claim And trying to get the refund back from them.when I didnt get no response from them i decide to call the bank to make the claims and now my claim is getting denied.And now my claim is getting denied without contacting XXXX and i need help to resolved my case. I call the bank when they denied the claim to tell them to contact XXXX because they was investigating and they respond was that they cant do anything because that is they finals answer so they refuse to contact the merchant. 
And I trying to contact XXXX but they closed my case without response about the investigation but what i read in XXXX is that they system closed case that have long time..
Product: Debt collection

This complaint is regarding Radius Global Solutions, a service company contracted by XXXX. 
On XXXX around Noon, I called XXXX about my XXXX credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, Radius Global Solutions XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX suicide hotline. I'm not able to communicate about my account at all at this time due to this individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, EQUIFAX, AND XXXX ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.
Product: Credit reporting or other personal consumer reports

When I first noticed this account CONNS CREDIT CORP I disputed it. It came back verified so I disputed it again asking for a verification of debt explaining to them it wasn't my account I know no such company. I never got anything back but another verification of debt. What are they verifying because it isn't my debt. It has impacted my credit tremendously. I have been denied numerous times for this account alone. Not only is it not my account and they are aware of this issue. But they have also violated my FCRA Rights by not reporting accurate information on my credit report. I have contacted them several times with no response back. Meanwhile they continue to report late payments each and every month on an account that is already charged off. The payments are late by default there should never be any late payments added to a collection account. I have since filed a report with the FTC for identity theft against this company and for violating my rights to the fair credit act for not reporting accurate information. This was my next step to trying to be heard about this issue.
Product: Checking or savings account

On XX/XX/22 I received an email from Marcus Bank by Goldman Sachs, Marcus.com, that they received funding to open a new account in the amount of {$250000.00} I opened the account because the funds were currently sitting in a brick and mortar bank, XXXX XXXX XXXX, where the interest paid was a fraction of one percent. Marcus offered an online account paying 3.3 percent. 
Two days later I received an email that there was a problem and they needed to speak to my mom who was diagnoses with XXXX and has no idea what is her current reality. 
She is currently in XXXX XXXX at an assisted living facility. The representative insisted that he must speak to her. I explained to him that I have a Power of Attorney as well as a note from her doctor explaining her XXXX  status. I offered to email him both in pdf format. 

He declined but did give me a mailing address where I could send them which I did. After a bit over a week of no contact I called them again and they confirmed receipt of the documents which had been sent to their legal department. They informed me that I will need to complete another form and have it notorized. Why did they not tell me this during the previous conversation when I got the mailing address to send the POA? Regardless, the representative told me that he would mail me the form which I never received. Today, a little over a week later I called again to mention that the form never arrived and the representative claimed that apparently the legal department was still evaluating my mailed in documents. Bottom of the pile???? Today I was told again that they would still require to speak to my mom. I explained, again, that the police confiscated my mom 's drivers license years ago deeming her to be too confused to be allowed to drive. I also mentioned that during my last visit with my mom she requested that I ask her brother to leave the room. Apparently they were playing cards and she was unhappy with how he was playing. Her brother died many years ago. 

It has now been a few days short of a month that they have held the funds and locked me out of the account. I told the representative that I was able to sell my mom 's house and arrange her health care using my current POA and explained that this situation is entirely not satisfactory to me and that once I jump through all of their required hoops and can access the account the first thing that I plan to do is close the account and send the funds back to the source account at XXXX XXXX XXXX. I no longer wish to do business with their bank and could she simply do that. She said that she could not. 

I explained to her that in order to file a complaint here or with XXXX XXXX regulators I must file an official complaint with her bank. I asked her if she can do that or if I should mail her a hard copy of the complaint. She said that she could do that. So here I am locked out of {$250000.00} which Marcus Bank should not have accepted from the beginning if the info provided to open it was insufficient. 

Your assistance would be greatly appreciated. Thank you!
Product: Mortgage

XXXX XXXX XXXX of PNC bank refused to provide me and my wife copies of both our credit reports once we applied for a refinance mortgage and we met the minimum requirements outlined by PNC bank. She refused to grant me access to her boss so i could complain. apparently all bosses are on vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}
Product: Payday loan

In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report thoroughly I noticed an account I don't recognize so i reached reached out directly to the creditor on my consumer report. 

On XX/XX/2023 I sent a dispute letter to Cater young INC Concerning account number # XXXX. The Letter was sent to Cater young and on The XXXX and picked up on the XXXX at XXXX. Carter young did not respond at all regarding my dispute with them. 

On XXXX I gave them another chance to respond. I sent out another dispute letter regarding account Carter Young INC account number # XXXXand requested the validly of the account. Sadly again they did not respond with-in the mandated time frame 30-45 days Set by FCRA. again. Obviously this company dose not have the substantial proof they need to tie this financial bind to me. According the FCRA this item MUST be removed from my consumer report. 

A. I have attached my dispute letter concerning this matter B. I have attached my Tracking numbers/ and Tracking updates for this matter 1.Tracking number for the first dispute letter # XXXX 2. Tracking number for the second dispute letter # XXXX
Product: Credit reporting or other personal consumer reports

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FRA and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!
Product: Credit reporting or other personal consumer reports

More mail today requesting bank information, I HAVE SUPPLIED ALL INFORMATION TO EXPERIAN AN I FLATLEY REFUSE TO GIVE THEM ANYTHING AGAIN NEVER NEVER NEVER GIVE THIS CROOKED FRAUDULENT COMPANY ANYTHING ELSE AND GOT MAIL SAYING AGAIN THAT 35 % OF MY CREDIT SCORE IS PAYMENT HISTORY, just imagine my score if EXPERIAN put back the almost 20 months of on time never late payments to XXXX  would be
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXXXXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX SER - XXXX Last XXXX digit of XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations.

Inaccuracies : Date opened High Credit Credit limit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has frozen my credit and will not unfreeze it despite claims from its representatives that it has -- this has prevented me from obtaining loans and negatively impacted interest rates I receive
Product: Debt collection

I recently discovered that on XX/XX/XXXX Midland Credit Management, a debt buyer, accessed my XXXX credit report without my consent after I had informed them in writing on XX/XX/XXXX to stop contacting me and that I did not consent to giving them my personal information or to enter in to any type of contract with them. This is the second instance where they have accessed my personal information without my consent when I have never entered in to any sort of contract with them and have repeatedly told them not to contact me or use my information.
Product: Debt collection

Ive sent in disputes and XXXX by law are suppose to investigate these to protect me and my credit instead I was sent an email saying they wont Ive sent in numerous identification on the matter aswell
Product: Mortgage

I asked for a loan modification to be able to pay the mortgage at a rough time and the bank stated they could help me but then refused to applove the loan modificationa and put me in foreclosure.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).
Product: Mortgage

Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.
Product: Credit card or prepaid card

I have a " Care Credit '' account through Synchrony Bank. I ONLY have access via their website since I do not receive paper statements and I do not maintain phone service. The only way I have to access my statements, transactions and to make payments is via their website. The problem is that they are now blocking my access to my account. They refuse to let me access it unless I give them updated personal information they have no right to know. Let me make this clear, this is not information to verify my identity, there is no question of that. This is them wanting personal information so they can sell it to other companies. They are literally holding my account hostage unless I provide them with a multitude of sensitive personal data. Just a few examples are my income, my marital status, my sexual orientation, and my number of dependents. They're also demanding access to my bank account to they can examine my spending habits. They are not entitled to ANY of this information, I would be a fool to give it. If I continue to refuse I will be late in making my payments and they will begin assessing fees even though they are blocking me from making said payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the below information with Equifax in XX/XX/XXXX about this XXXX XXXX account being in error and they failed to investigate fully and remove from my credit report I took out a loan in XXXX with XXXX XXXX. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, Equifax XXXX and XXXX XXXX to dispute this. When they investigated it XXXX XXXX continued to verify that I was past due and did not make the last payment. I have disputed this directly with XXXX XXXXXXXX as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.
Product: Checking or savings account

On XXXX/XXXX/XXXX, I deposited a cashier 's check through the Bank of America ATM. On my receipt, it showed that the funds would be made available the next day, XXXX/XXXX/XXXX. The next day, I checked my account online and it showed that the check was being returned because the " payee not on account ''. After calling and speaking with a customer service rep, I was told that whomever received the check thought that the name printed in the " memo '' area of the check was the payee and that when I received the check back, I was to just redeposit the cashier 's check at the bank and all would be well. I waited one week for the check to arrive in the mail and then deposited it back into my account. Because the checking account has not been open long ( approximately one month ), a hold was placed on the deposit, making the funds available XXXX/XXXX/XXXX. I was told when I spoke with a customer service rep on XXXX/XXXX/XXXX that at the very least, {$200.00} would be made available immediately. I called and tried to have the hold removed because a cashier 's check should allow funds to be made available immediately and it was the fault of the bank that it was not deposited correctly the first time but they said they could do nothing to remove the hold or make any portion of the check available.
Product: Credit reporting or other personal consumer reports

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and Professional Credit Management that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & XXXX XXXX XXXX XXXX 
XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. 
XXXX. The 1099c, since this debt has been charged off, written off.

10. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that XXXX XXXX XXXX  " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted via text by a company called One Main Financial, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at One Main Financial said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or One Main Financial.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX Florida. My property is listed on XXXX, XXXX and XXXX. All vacation rental platforms accept payments from guests for me except XXXX because they said I have not done enough business with for this property to transact payments therefore I have to accept payment forms guests. In order to process payments from guests I purchased a POS ( point of sale ) machine called Square from XXXX XXXX to process the payments. I processed a payment for one of my guests on XX/XX/XXXX and the payment went through successfully. On XX/XX/XXXX I received an email from square asking me to verify my business and bank account and IRS EIN, and drivers license. I submitted all of the information and then received an email on XX/XX/XXXX stating that my banking information was approved. On XX/XX/XXXX I received a notice from Square stating that my account was deactivated and that they did not want to do business with me. 
In addition to deactivating my account Square said they would hold my money from the transaction {$580.00}. The services for the vacation rental stay has already been rendered. 
I was shocked and taken back by this and called to speak with Square customer service. Customer service and they said the decision was final with no further discussion. I do not care if Square does not want to do business with me but I am running a legitimate business and they already took % of my funds for processing the payment and now they are holding the rest of my funds. At this point I dont believe Square has any intention of returning the funds to me at all. This is taking advantage of the consumer on so many levels and I never saw anything in the terms of agreement that stated they would hold my funds for 90 days and my account would be deactivated or not accepted. These are unscrupulous practices and I am asking for your assistance in this matter to make Square return my funds. I am a legit small business owner, and I sent my bank statements and EIN # as proof of my business. I have contractors that I need to pay. Please assist me in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX