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

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 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 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
Product: Checking or savings account

I received a Covid19 payment due to the pandemic we are experiencing ; I did a mobile deposit of my check, the check posted to my account ; however, the bank won't make my funds available stating that I and my husband need to come into the bank. I tried to explain that due to the pandemic, my husband age and his health condition, neither he nor I will be coming into the bank. The funds is guaranteed since they come directly from the president of the United States and the government it self, the funds have already cleared so why won't they release my funds so that I may take care of my business affairs. This is wrong, unfair, and plan inhumane! 
This care stimulus check was deposited on XX/XX/2020 I have called the bank on several occasion but to no avail.
Product: Debt collection

I am invoking my specified remedy as a federally protected consumer. I am demanding Credit Acceptance remit payment specified on the invoice, an apology, and a permanent deletion from all consumer reporting agencies
Product: Mortgage

On or about XX/XX/2019 BB & T sent a letter to me stating they have suspended my ability to obtain advances on my line of credit. They stated because I have delinquent credit obligations with other creditors. This info was obtained by BB & T thru XXXX. I pulled my credit using the Annual Credit report website and chose XXXX. My credit history with all but one creditor was in good standing. The creditor in question was a card my wife and I had in both our names. She put some dental work on the card and forgot to pay it and didn't even realize she was behind until my line of credit was frozen. 

I called BB & T XXXX PA Branch and spoke with XXXX XXXX NMLS ID XXXX. She was also the person I spoke with when I applied and obtained the loan in the first place back in XXXX/XXXX  2019. She looked into it and she called me back, said that the line of credit would be frozen for a year. I was in shock. I have plans for this money in the next 12 months and now everything must be placed on hold. She suggested a formal request to unfreeze the a/c to escalate the problem in the BB & T company. I received a notice stating that again my line was frozen because of the same delinquent account and would remain frozen. Also, this loan was opened with a variable rate. I asked if the could be fixed so I can build a payment plan to pay the line of credit off as soon as I can. She looked into it and got back to me, she stated that no, the loan can not be changed from a variable to a fixed for the same reason as the suspension, delinquent account. 

The delinquent account that caused this mess is now caught up with the payments and in good standing. My credit report reflects this. Its outrageous. I work hard on my credit to be in good standing. All of my other accounts are impeccable. One credit card with a {$600.00} balance that was grossly overlooked and my HELOC and all the plans I have for it is in jeopardy. 

How I want this to be resolved is 1. I want the suspension to be lifted from my HELOC and be able to use the funds immediately and 2. be able to lock the HELOC into a fixed rate loan.
Product: Credit card or prepaid card

XX/XX/2018 I filed a credit card billing dispute under XXXX reason code XXXX for a charge from XXXX on my Capital One Credit Card. The cause for this chargeback was due to XXXX refusing to accept a return. The item I attempted to return was within the allowed return time limit provided on the original sales receipt and was verified as being returnable pre and post-sale. XXXX XXXX provided no reasoning, only a return refusal receipt. Thus in accordance with XXXX 's Merchant operating rules the chargeback was valid. 

I filed the necessary paperwork with Capital One who initiated the dispute with XXXX XXXX. On XX/XX/XXXX XXXX XXXX responded to capital One Requesting proof I attempted to return the item. Upon initially submitting my dispute I provided the return refusal transaction ID number to capital one. However, I called in again and spoke with a dispute specialist who requested a copy of the receipt. The agent said I would receive a secure link to upload the documents, which despite my many phone calls requesting the link I did not receive for another month. At this time Capital One informed me the timeframe had passed but if I wanted I could resubmit the documents and request the dispute be reopened. Which I did immediately. I provided a detailed written description of the events, the original sales receipt, the return refusal receipt, a written statement from XXXX stating the item was indeed returnable as well as made a conference call with Captial One to XXXX XXXX who validated the item as being returnable to Capital One. I resubmitted this paperwork In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Yet while Capital One continued informing me the investigation was still underway on this disrupted item they actually made no attempts to submit the documentation to XXXX. 

I continued calling in, as I noticed I had begun being charged interest on this disputed item at which time I was told it would be corrected once the dispute was finalized. As this was the only charge on my account I was then charged a late fee, which was subsequently credited back, then my account began to be reported as delinquent by capital one despite the entire balance still being under dispute in violation of several consumer protection laws. I have made many calls trying to resolve this and each time Capital One tells me the timeframe to file the dispute has passed. It no longer mattered to them that they informed me in writting and over the phone that the charge was under dispute. THey have refused to process the billing dispute as required, and have been holding me liable for the only charge on this account, reporting my account as being delinquent when it's been under dispute. They refuse to make any correction or take any responsibility. After hours on each phone call I finally get to a supervisor who says they dont ' have the authority to make any such changes and will have to request a call back be made which I never receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : Ally bank is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. Ally bank has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. Ally bank NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

Ally bank AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, transunion, and XXXX with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : 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
Product: Mortgage

I am a borrower counselor with XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 at approximately XXXX I contacted Loancare to update the status of several files we submitted to loss mitigation for assistance. I spoke to XXXX in Loss mitigation who assisted me with updating the status of a file. However when I told him that I had other files I needed assistance with he wanted to send me to customer service. I asked him if he was in loss mitigation and he said yes. I asked him why would he send me to customer service for files that are in loss mitigation? He said he could only handle one file per call. I asked him if that was the company policy? He refused to answer and hung up. I called back and spoke with XXXX who was more than willing to assist me with the remaining files I needed assistance with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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
Product: Credit card or prepaid card

I have been trying for over a year to get Capital One to work with me. I have XXXX accounts that I am trying to pay off. We were forced to move in the middle of XXXX from XXXX XXXX California  to XXXX XXXX California. We did not have jobs and were forced to use our credit cards to survive. 
I have been able to work with my other creditors and pay them off. I have asked Capital One if they can merge the XXXX accounts so that I have XXXX payment... they refuse. 
I have asked if they can lower my interest rate? They refuse. 
I am not trying to get out of paying my debt, but I would really like some help. 
I have a balance of {$4900.00} on XXXX account and a balance of {$5900.00} on the other. If they wont work with me, I will never get these accounts paid off.
Product: Debt collection

Medical debt was put in my name somehow, it belongs to my ex-wife, she called asked repeatedly for them to put it in her name and she is paying on it. They are still reporting it as my debt, when she called and assumed the debt, made payment arrangements, and they said they would remove it from my credit but they haven't and won't. I disputed it through the credit agency it's still there. I called Mid-America collections they were rude and hateful told me to dispute it again, what more can I do. I asked if my divorce attorney could show them that it isn't mine and it needs to be reported on hers, they were rude and extremely hateful. 
They won't even tell you who they are when you call unless you tell them you have an account with them.
Product: Debt collection

This was a payday loan from Speedy Cash and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. Speedy Cash sent this debt collection to XXXX XXXX XXXX XXXX, XXXX. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and XXXX XXXX XXXX XXXX , XXXX is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX # XXXX {$18000.00}, XXXXXXXX XXXX {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Credit card or prepaid card

Good day, I applied for the XXXX  card on and around XX/XX/XXXX or the XXXX and was approved I have been in contact with XXXX since then, I had my original card sent back because XXXX did not honor my change of address in which they left this just in ladle for weeks until I contacted them back around XX/XX/XXXX to inform them why havent I received a letter or email concerning the original card being sent back to their offices. I then had to send proof of my new address to verify so they can issue a new card and I did so on XX/XX/XXXX as of XX/XX/XXXX it will be three months and I still dont have the physical card, I have informed them while on the phone that if I didnt contact them they would have closed my account and it would have affected my credit score I have several recordings of so called managers and customer service reps telling me several different things every time I called.
Product: Debt collection

They keep calling me to get in contact with my mom. At this point they are harassing me I literally receive XXXX to XXXX calls a day. They keep asking for my mom and I dont even live with my mom. This is considered harassment and I have no involvement with this debt. They call before XXXX XXXX am or even XXXX am asking for me mom when I have repeatedly told them I do not live with her.
Product: Credit reporting

Have XXXX autos this company was XXXX they filed bankruptcy then me and my husband filed bankruptcy in 2010 his shows mine do n't also extension for all school loans because of his illness done this XX/XX/XXXX and granted no payment or late due to his illness
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.
Product: Mortgage

I called the day the insurance company mailed the check, XX/XX/XXXX, to find out what to do with the check and what documentation would be required. I was specifically told not to endorse the check ( confirmed 2x ) and requested contractor documents. I was told no information could be provided until the check was received. 
Called XXXX after express mailing check, XX/XX/XXXX, to find out next steps. Was informed the check needed my endorsement and this type of loan requires additional contractor package. These were both to be sent back XXXX  to me. 
I received the check on XXXX, still no contractor documents. Too late to call so contacted Citizens Bank XX/XX/XXXX, after XXXX XXXX holiday. 
The date of loss was XX/XX/XXXX, so now the insurance company wants to know why the check hasn't been negotiated or work started. The HVAC was destroyed and is leaking down the cabinets and wall of the kitchen. It would seem to me these documents could be emailed but, they said they would XXXX them... again. This is the 3rd time of record they have them being sent. I check the mail every other day and my neighbor lets me know when packages are delivered. 
I would think Citizens would want to protect their collateral and ensure repairs are started timely. And if I have to pay for it myself, well the mortgage payment might get lost in a XXXX envelope. Apparently those don't have tracking anymore. 
There's nearly {$100000.00} in damages and I can't live there until it's fixed. I'm sure they don't mind, but my allowable living expenses only extend for so long. 
I've been told this type of loan requires additional documentation and special handling, I can't use a portal for most things, and have to speak to people after going through push button XXXX and holding for a person that is less than knowledgeable and likely have me calling to repeat the process in a few days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX Bankruptcy 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

Experian Information Solutions XXXX XXXX XXXX XXXX TX XXXX Dear, XXXX XXXX I am writing to dispute the accuracy of my credit report, which I obtained from your agency on XXXX XXXX. I have identified several violations of my rights under the Fair Credit Reporting Act, including violations of 15 USC 1666b, 15 U.S. Code 1666, and 15 USC 1681b, which I would like to bring to your attention. 

Specifically, Experian has treated payments on my credit card account as late, even though I made the payments on time. This violates my right to have accurate information on my credit report, as guaranteed by the Fair Credit Reporting Act and 15 USC 1666b. Additionally, Experian has failed to correct billing errors on my account, in violation of 15 U.S. Code 1666. 

Furthermore, Experian has accessed my credit report without a permissible purpose, in violation of 15 USC 1681b. According to this law, a credit reporting agency may only provide a credit report to someone who has a permissible purpose, such as a creditor or employer who is considering extending credit or offering employment. However, Experian accessed my credit report without a permissible purpose, which violates my right to privacy and my right to control who has access to my credit report. 

These violations have caused me significant financial and emotional distress. As a result of these inaccurate late payment reports and billing errors, my credit score has been negatively impacted, and I have been denied credit and other financial opportunities. For example, I was recently denied a loan for bad credit debt, late payments, over utilization of accounts that are not even mine. 

Additionally, the unauthorized access to my credit report by Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX, has caused me to worry about identity theft and other forms of financial harm. 

I am requesting that you delete all derogatory accounts, tradelines and lines of credit, update all late payments to current. Rid my file of all these violations and correct any errors on my credit report immediately! DO NOT SEND ME ITEMIZED DEBT ITEMS AND PASS IT OFF AS DEBT VALIDATION REMOVE ALL LATE PAYMENTS, XXXX OUT ALL BALANCES, DELETE ALL COLLECTIONS ADRESSES, AND DELETE PERSONAL INFORMATION FROM SERVERS, A.I technology, backup servers, computer monitor / hardware and software alike.

I am also requesting that you provide me with a updated free copy of my credit report, as guaranteed by the Fair Credit Reporting Act.

Also see attached invoice for damages.

Thank you for your attention to this matter. 

The natural man, XXXX XXXX Without prejudice
Product: Credit card

Target RedCard denied a chargeback dispute without contacting the customer for additional details or sharing written notification of their decision upon the completion of their investigation. 

After a return purchase* ( sale value {$240.00} ) got lost in the mail due to the merchant ( Target.com ) providing incorrect postal information, ** the customer contacted Target RedCard ( the card used for the transaction ) to open a dispute. After explaining the situation ( i.e., that the item destination was not input correctly by the merchant and that delivery was at risk due to no fault of the customer ) and providing details over the phone, the customer was not asked anything further during the investigation- nor was the customer allowed to provide any physical proof of the incorrect postal label ( which included details that did not match the physical address of then return facility indicated by Target.com ) to corroborate their claim. 

The dispute claim was closed without notifying the customer and reasoning for claim denial was not shared. Customer suspects that proper due diligence is being ignored in favor of the merchant - and at the risk of customers. 

At minimum, customer would like a chargeback to be issued USD {$240.00} ( the purchase price of the defective item ), and for the dispute to be reopened and properly investigated by Target RedCard as, in this instance, the merchant ( Target.com ) is at fault for any delay or issues with the return shipment. *** Customer would also like notification, in writing, why their claim was originally denied. 

*Note : The reason for the return in the first place was that the item arrived damaged from Target.com . 

**Note : The postal code on the attached label ( XXXX ) does not match the physical zip code for the XXXX XXXX XXXX in XXXX , Indiana . The correct zip code for that physical address in XXXX, Indiana is XXXX. 

***Additional Info : Per Target.coms policies, only Target.com can create return labels forcing customers to rely on their XXXX XXXX staff to input accurate information. Customers have no recourse to recoup losses if incorrect information is input as they can not file Merchant Returns claims directly with carriers.