23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a payment to my account paying my account in full, but the company has not yet posted my payment and refused to tell me when the funds will be available for use. 

Further they refuse to provide me my account statements for review. It would be helpful if : 1. PayPal and/or Synchrony were transparent in how payment processing worked & when payments will be available for use. Holding my credit payment w/out allowing use of the account feels very UDAAP. Especially w/out any notice. PayPal is notorious for nesting critical account information in Terms & Condition.

2. I had access to my statements. The Company pushes me to do business electronically, but does not have the ability to allow me to view statements online or email me copies of the statements. 

About a month or so ago I called because there was a {$300.00} missing payment. The agent was unable to explain to me where the funds went.
Product: Mortgage

APPEALING FOR TRIAL MODIFICATION ON XXXX XXXX XXXX XXXXXXXX MAKING A FALSE CLAIM THAT I HAVE EXCESSIVE DEBTS WITHOUT PROVIDING ANY PROOF DESPITE MY REQUEST ON XX/XX/XXXX XXXX 2022. I PROVIDED PROFIT LOSS PTOOF OF GROSS {$6000.00} MONTHLY {$5000.00} COMBINED NET INCOME OF MY PRIMARY HOME RENTED ( XXXX XXXXXXXX ) PLUS 2 INVESTMENT PROPERTIES ( XXXX XXXXXXXX ), EXCELLENT CREDIT, NO CAR DUES OR ANY EXPENSES WHILE IM LIVING AT MY PARENTS WITH NO OBLIGATIONS TO PAY BILLS, AND {$35000.00} IN BANK SAVINGS. STILL BANK REFUSING TO TRIAL MOD MY LOAN TO FORECLOSE PUTTING ME AND MY FAMILY IN HARMS WAY. I WISH TO KEEP MY HOME COVID19 DISASTER IMPACTED ME BUT IM READY TO PAY MY {$2400.00} MORTGAGE TIMELY IM USA XXXX VETERAN AND I ASK FOR MERCY.
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 USC 1681. 
Account XXXX XXXX XXXX XXXX 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. 
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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX XXXX*- DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ), in connection with my recent dispute of information on my credit report. I previously disputed the accuracy of certain information on my credit report XXXX XXXX XXXX XXXX ), and I have received your response ; however, your communication failed to include the required method of verification that was used to validate the disputed information. 
Under the FCRA, when a consumer disputes information on their credit report, the credit reporting agency is obligated to : 1. Conduct a reasonable investigation into the disputed information.

2. Provide the consumer with a written explanation of the method of verification used in the investigation, per Section 1681i ( a ) ( 6 ).

Unfortunately, you have not provided me with any details regarding how the information was verified or whether the verification process was completed in a manner compliant with the FCRA. This lack of transparency is a clear violation of my rights under the FCRA.

I am requesting the following actions be taken immediately : 1. Immediate deletion of the disputed information from my credit report if it can not be properly verified, as per FCRA regulations.

2. A detailed explanation of the method of verification used during your investigation of the disputed items.

3. Confirmation that the disputed items have been corrected or deleted, along with a copy of my updated credit report once the actions have been completed.

As per the FCRA, you are required to investigate and respond to disputes within 30 days. If this dispute can not be verified with appropriate documentation, the items in question must be removed from my credit report. Given the violation of my rights by failing to provide the necessary verification method, I request that this matter be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Capital one regarding information in my XXXX report that I had three late payments. Case Number XXXX. Capital One Credit Bureau Resolutions reviewed my account and on XX/XX/2023 sent me a letter showing that I have no late payments. 

I would like XXXX to correct my credit report.
Product: Mortgage

Response to Bayview loan servicing llc adding XXXX to my loan as court papers attached will show.
Product: Debt collection

I contacted this agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.
Product: Debt collection

I received correspondence for a debt for my XXXX XXXX XXXX XXXX ( Association ) Timeshare from Aspen Nation Collections dated XX/XX/XXXX. I sent them a written notice on XX/XX/XXXX stating that I already relinquished my interest and obligation to the Association in writing. To date, they have not provided to me, and the Association has continuously refused to provide to me, any relevant authority that would obligate me to be held responsible for assessments and fees after I have given proper notice to relinquish my timeshare interest per their agreement. 

A review of the Deed ( the Declaration was not enclosed ) and the statutory authority that they have provided understandably allows for assessments to be imposed to timeshare owners and reserves the right to secure a lien against the timeshare interest if the timeshare owner is delinquent in paying outstanding assessment amounts. 

However, as stated previously, I did not possess any timeshare interest or have any timeshare obligations prior to the Association imposing fees supposedly resulting from assessments. On XX/XX/XXXX, I properly exercised my right to relinquish my interest and obligations and provided written notice to the Association prior to the Association imposing any assessments and fees. Subsequently, on XX/XX/XXXX, the Association emailed me a notification of an outstanding balance in the amount of {$1100.00} for the XXXX annual fee payment. 

At the time of the purchase of the timeshare interest and signing of the contract on XX/XX/XXXX, the Association, by and through its representative, employee, or agent, has expressly represented to me that I would be able to exercise a right to relinquish my interest and obligations as a timeshare owner : 1 ) upon written notice ; and, 2 ) after I have paid in full the cost of the time share interest, which, I have done. ( It appears that the Association is taking the position that this representation is false, and if this false statement was made by their representative, employee, or agent to induce me to make the purchase, such a scheme would be quite deceptive ). This was a material term that I relied upon at the time of the agreement. I have requested the contract from the Association, and the Association has confirmed on more than one occasion that no executed written contract exists. 

To date, Aspen National Collections has NOT provided me authority that refutes my unequivocal understanding of the terms of the agreement that authorizes me to exercise my right to relinquish my timeshare interest and obligations after written notice and the satisfaction of the cost of the timeshare interest.
Product: Credit reporting or other personal consumer reports

Please note that I separately have XXXX case XXXX open, but I am not able to add any additional information nor open a new case. The below account where I am an authorized user was left off of this past case. Please reinsert the below account ( last 4 digits are below ). XXXX XXXX XXXXXXXX has already submitted a tradeline reinsertion request and it has not gone through on TransUnion 's end and it is being blocked as I was previously removed : XXXX XXXX
Product: Debt collection

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My family and I rented a apartment here. Every month the rent went up three months after they changed mangermen. I would ask why and they would get mad and on more charges. On XX/XX/XXXX we try to pay our rent. They would except the the rent because I ask about the extra charges that I would not pay XXXX  So the put a eviction notice on my door the next to week. Every other day a eviction notice and started harrissing me. So I move out left the apartment in good shape. I let them know I was moving. I turned in keys. I could not keep paying different amount each month and when you ask they get offended. I have proof of the information. Next XXXX on my credit report in two months no paperwork at all. When I ask and turn me into a credit agency also all within twos months. They just sent paperwork when I complained. The charges is ridiculous. I just received paperwork XXXXXX/XX/XXXX. We are serior citizens. And they also did the XXXX XXXX XXXX.witch is being investigated.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXXXX/XX/2022, XXXX  XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022.
Product: Mortgage

On XXXX, I lost my job due to COVID-19, Called my mortgage service provider, PHH Mortgage Services, and asked for forbearance and was granted it, on XXXX, I called PHH Mortgage Services and let it know that I was ready to make normal regular monthly payments, asked for a " Loan Modification '' based on the " CARES Act '', in which, I asked the mortgage company to put the deferred amount to end of my loan based on the " FHA COVID-19 National Emergency Standalone Partial Claim, '' instead the company mailed me an application, in which it started a lengthy process by asking me for many documents as proof, never modified the loan, extended the process from XX/XX/XXXX till today ( XXXX ), and lastly reported me to the credit bureau with negative report, including 120 days of late payments. All the mentioned above included many conversation back and forth with the company since XXXX. The company assigned me a Case Manager, named " XXXX XXXX '', who I could never speak to because she never is available and even me setting up appointment four times to speak directly to her via other Case Manager, she never had come to the phone, nor reply to my emails. PHH Mortgage Services has violated the COVID-19 CARES Act by failing to modify my home loan and by illegally reporting negative to the Credit bureau about my mortgage status. Please take a look at some proof that I have attached to support this complaint. Consumer must beware of this horrible mortgage company. " PHH Mortgage Services ( XXXX XXXX XXXX ) is violating the COVID-19 CARES Act. ''
Product: Checking or savings account

I was traveling over seas and came back to the United States and tried to withdraw money from my Citibank Savings Account. I was told that my account had been deactivated and that I needed to send a notarized letter with my details via certified mail. The bank received my letter on XX/XX/XXXX. I was told it would take XXXX hours to reactivate my account. I started calling the bank on XXXX, and XX/XX/XXXX. Each time I called I was told that an email was sent to the back office and they would expedite my request. On XXXX I was told I did not have the correct account number. ( It took XXXX weeks to tell me this information! ). ON XX/XX/XXXX I faxed and sent a new letter with the correct information and the bank received the letter on Thursday, XX/XX/XXXX. I called on XX/XX/XXXX and was told that they had received the letter and my account would be activated by the end of the business day. I called on Friday, XX/XX/XXXX and was told it would be activated by the end of the business day. I called on XX/XX/XXXX and was told it is the weekend and it would be activated on Monday. I called Monday XX/XX/XXXX and was told it would take XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must block any items that was 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/2021.
Product: Prepaid card

I am writing to express my frustration regarding the challenges Ive encountered while using my American Express gift card, both online and in-store. 

When attempting to use the card for online purchases, I was informed by a customer service representative that the card is only accepted on websites that request the CVV code. This severely limits its usability, as many major retailers, including XXXX, do not ask for this information, preventing me from using the card on those platforms. 

Additionally, Ive experienced difficulty using the card for in-store purchases. The card only allows transactions for the exact balance remaining, and Im unable to split payments between the card and another payment method when the balance is low. This further limits the cards flexibility and convenience.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in addressing some inaccuracies in my file, yet there remain items that require removal. According to FCRA XXXX XXXX, you are obligated to remove any items listed in an FTC report, specifically FTC REPORT # XXXX. These issues were previously detailed in that report and an earlier complaint, and I am highlighting them again with the new FTC report # XXXX. I have informed my attorney of my plans, and they are prepared to ensure accountability in the event of your deliberate non-compliance. It is important to note that you have XXXX business days to remove any inaccurately reported items from my credit file. I do not authorize the use of E-OSCAR or any form of automated verification for this process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I anticipate your prompt action on this matter and a response within XXXX business days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific unauthorized accounts on my credit report as a result of a recent data breach that compromised my personal information. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent accounts. 
The following accounts are unauthorized and should be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$2900.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00}
Product: Checking or savings account

Items in my account would be pending for days to a week. My accounts would be charged Overdraft fee with money in there. My money would somehow disappear from my account.
Product: Debt collection

Attorney XXXX XXXX is the representation for Origen Capital Investment XXXX XXXX XXXX XXXX XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against Capital Investment and  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to the three major credit bureaus and its been longer than thirty days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the investigation and removal of several unauthorized inquiries from my credit report. The inquiries listed below are not associated with any open accounts in my name, and I did not authorize these companies to access my credit information. I believe this may constitute fraudulent activity. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Dealer ( duplicate ) XXXX. XXXX XXXX ( duplicate )
Product: Checking or savings account

I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.