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

I filed a dispute on XX/XX/23. 
Credit Karma have me a due date of XX/XX/23. 
Credit Karma declined my dispute before the due date on XX/XX/23. 

Credit Karma is refusing to provide me in writing there reason for declining my dispute. They said verbally that it was declined because I did not send in the documentation before the due date. But looking at the dates in this complaint you can see that their statement why they declined my dispute is false. 

My past experiences with how they handle disputes is corrupt and that they don't follow federal regulations. They only want to make verbal statements, refuse to provide statements in writing. 
They don't provide documentation or contact information for their department that handles the disputes. I have a legal right to due process and they are violating federal guidelines by not providing documentation, requested documentation or verification that your dispute is even being investigated. They don't want to provide Any verification. I believe that my dispute was never investigated because they did not provide any documentation and they declined it before the due date. And now they are ignoring my requests for documentation to show why they declined my dispute or documentation to verify that it was even in investigated. 
They should not be allowed to handle peoples money it's a breach of fiduciary responsibility and federal guidelines.
Product: Debt collection

A debt collector from USI Solutions in XXXX XXXX, Pennsylvania, called my office and attempted to get information regarding an alleged debt of my fiance. The caller gave my office personal information and names. The caller than attempted to call my personal line. I told him I knew nothing about it and asked him to stop calling my personal number and to stop being aggressive and inappropriate with my office that I and they knew nothing about the matter. In a very threatening tone he then told me that he could and would continue to call anyone he wanted to in an attempt to find the individual he was trying to locate. My fiance supposedly even though it is a very common name. He said I had been " listed '' as a reference which I don't believe to be true and he made statements such as that he knew I had " passed along '' the information and that we needed to " stop dodging '' his phone calls. All of this is completely inappropriate and upsetting and I feel very intruded upon and was threatened with further harassment both personally and professionally regarding a matter I know absolutely nothing about and to which I have no legitimate connection. The calls originated from 2 numbers : XXXX and XXXX. Thank you.
Product: Debt collection

I do not know SOUTHWEST CREDIT SYSTEMS nor how they got my private information without my consent. They are reporting inaccurate information to my consumer report. I demand you remove my information from your system, remove from every consumer reporting agency, XXXX out the alleged account, and take care of the invoice.
Product: Vehicle loan or lease

I got car loan XX/XX/22 and it has come to my attention that I was never provided my right of rescission or explained of my rights to rescind. I have submitted a affidavit to the dealership and creditor
Product: Credit card or prepaid card

XX/XX/XXXX : opened dispute with Capital One regarding overcharged by a merchant. They said they would mail me a letter via US Mail if they needed more info. I did not receive the letter. 

XX/XX/XXXX : They emailed me to check a secured message. I logged into my account read the letter that said they were closing the dispute because I did not provide requested info. I then noticed that they had sent a letter on XX/XX/XXXX as a secured message that I received NO notification of requesting additional information. I explained to them that they told me I would receive a letter in the mail in which I did not and that I did not receive an email from them in XXXX re : a letter to log on to view. 

XX/XX/XXXX : They said they were no longer pursuing the dispute, and did not give me the opportunity to send the requested documents which I had. The vendor never refunded me or replied to me and neither did the company in which I paid. I am still out of the money I was overcharged.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date XXXX Inquiry XX/XX/year>, XXXX OF XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX I had issues logging into my account and had customer service get me reactivated, however due to this Citibank keeps flagging my account. That same day I tried to transfer funds out of my account after telling them I would be doing so. 
My transfer was cancelled and the website told me they were closing my account. I called on XX/XX/XXXX, was granted access to my funds ( over XXXX ) and was told all I could do was a wire transfer of XXXX, and they told me they could not close my account, after being on hold for hours, talking to multiple representatives and being hung up on. So I paid them money to wire the money out. 
XXXX XXXX they have removed access to my savings account again, although no fraudulent activity has happened, and I am not even sure the wire transfer will go through, and I have been charged {$25.00}. I want to close my account but nobody will help me and now I can't even access my own money. They are holding hostage my life savings and I can't get to it. Nobody seems to be able to help, and I just keep getting passed around. I have pleaded with them multiple times that I need this money desperately. 
I am scared I have lost my entire savings and I can't even figure out why, I have been a customer for years, and never had issues with credit cards. I have only ever tried to take out money this one time and now I can't access it.
Product: Credit reporting or other personal consumer reports

In accoraance with the Fair Creait Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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

I am filing this complaint against Midland Credit Management because they are trying to collect a debt that I do not owe. They have been reporting incorrect information to the credit bureaus and have ignored my request to stop contacting me. Their actions are unfair and against the law. 

Details of the Problem : Illegal Collection Practices ( FDCPA Violations ) : I asked Midland Credit Management to prove that I owe this debt. They have not given me any proof or proper documents. The Fair Debt Collection Practices Act ( FDCPA ) says they must provide proof when requested. 
I also sent a Cease and Desist letter to Midland Credit Management, asking them to stop contacting me. They ignored my request and continued trying to collect the debt, which is against FDCPA rules. 
False Information on My Credit Report ( FCRA Violations ) : Midland Credit Management has been reporting false information about this debt to credit bureaus like XXXX, XXXX, and XXXX. They have listed incorrect balances and wrong dates, which has damaged my credit score.

Under the Fair Credit Reporting Act ( FCRA ), they are required to make sure the information they report is accurate, but they have failed to do this. 
Failure to Validate the Debt : I asked Midland Credit Management to verify and validate this debt, but they have not provided any proof. Without this verification, they should not be allowed to continue collecting or reporting this debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) Due to inadequate customer service And unfair practices, Which violate the consumer Financial protection act. Specifically, Cash app failed To take Timely and effective Measures to prevent And address fraud on their platform, Leaving my account Vulnerable and unprotected. Furthermore, Their dispute resolution process Was unfair And deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience And financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I disputed an alleged debit with NCB Management Services to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting the validate the the debt ( per the FDCPA ) by providing the following information : -an explanation of what this alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 I received a letter from the collection company simply stating the conducted an investigation and are unable to substantiate the allegations of my dispute. They requested I provide them with additional information. They completely ignored my letter requesting they validate the debt. Therefore, they are in violating of FDCPA Section 809 ( b ).
Product: Checking or savings account

XX/XX/XXXX my Robinhood brokerage and debit card were both frozen and restricted. I am unable to move withdraw or deposit money from my brokerage account, open any positions, or utilize my debit card. Their app wanted me to take action to fix the issue, but I was stuck in a loop and a bug (? ) prevented me from seeing what documents I needed to submit to resolve. 

XXXX was able to log in on my desktop and got further, but it said I had already uploaded the needed documents. The app said to expect restrictions removed by the XXXX. 

XXXX I requested a call from support and waited in line for over an hour, and stayed in line overnight. 

XXXX Robinhood support called me at XXXX local time ( PST ) and I did not answer as I was asleep. I later checked my app and did not have the previous loop, but it said the selfie they required was already submitted. The app said to expect restrictions removed by the XXXX. 

XXXX I checked the app and had the loop happen again. 

XX/XX/XXXX Checked the app again and it now shows me a list of the required documents, but all of them are checked off except XXXX at the bottom. It listed a selfie XXXX, XXXX form of identification, a bank statement, and then another 'three point '' selfie ( unchecked )- which it then had me take. I took it, and it said to expect my restrictions lifted by XX/XX/XXXX. 

XX/XX/XXXX I requested a support call and received it. They could not tell me the reasoning for my restriction other than their proprietary system flagged me and restricted my account " for my protection ''.
Product: Vehicle loan or lease

Sorry this was with secu credit union so i may be on the wrong website. Can u refer to the appropriate agency? 
I was originally approved for a car loan at XXXX to XXXX depending on. Car. Then when i went to get money they refused me because the branch said i had mo drivers license on file no signature and the wrong address. After fixing that fiasco, then i was given a power check for XXXX $ to be used whenever. When u brought the check back to ask to shred it snd give me one for XXXX more the 37 year veteran said he did not know to reissue a power check. Lastly they tried raising my rate to XXXX from XXXX and ran my credit on the day i came to close on the loan. The 800 loan number told me if i got a car less than ten years old i could potentially get XXXX on 60 months or XXXX on 72 months and within hours they denied my loan. Total buffoonery. I asked for my iRA money out over XXXX and these idiots were refusing to give me access or the loan for what reason beside discrimination?? they also caused my credit to go down almost XXXX points. They told me is was XXXX then on yhe day i came to get loan they said they had to run again even with the power check and said it was XXXX. I then had chase run it and it was XXXX.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX
Product: Checking or savings account

Below is the email that I sent to the CHASE EXECUTIVE ESCALATIONS email. They reply and the. Called multiple times.

First the rep typed in the wrong case # on her inquiry and apologized for taking so long. Then she didnt send the request. Whoops. Then she will call me back and never did. 

How unprofessional! 

Explanation Below On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Long story short I took out an ad program with XXXX. Their XXXX XXXX  is completely non-user friendly and I struggled even asking for help through XXXX  I got the campaign going. I took {$500.00} per month ( my entire ad budget ) from XXXX and started a ad with XXXX. Well what was supposed to be {$210.00} per month for two ads they ended up twisting it around and taking {$500.00} per day from my account. The moment I realized what they were doing I went into XXXX and deleted the ad accounts. I messaged support and they said they would get right back to me and NEVER EVER did. I then called Chase. Issued a stop payment. I disputed the charges. I was told by Chase that they would mail a form that I need to send back in. The lady told me I would have a provisional credit. No credit came. I called and they said they are waiting for the form. I got mad and said they took a substantial amount of money and provisional means while you get things resolved. Not provisional after you get a form mailed. We went back and forth. Finally I found the form since it DID NOT COME VIA US MAIL AS PROMISED. I emailed it, faxed it and emailed it to the local branch asking him to fax and he confirmed he received and faxed successfully. 

Finally I got notice that the claim was closed because get this. I never returned the form. 

I moved money from my savings accounts with chase. Small amounts totaling probably $ XXXX to another bank. 

I am infuriated. How dare your bank rule against me for such a ridiculous reason. I said the charges were not authorized in that amount. I would never ever authorize that dollar amount for a small family business. I am your customer. You should have stood behind me. It was important to me that chase had my back. But you completely added to the frustration and broke my heart. 

I need someone to take action! I need to see that I matter. 

Please respond. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Sent from my XXXX
Product: Debt collection

I have recently filed a legitimate dispute on GM Financial on the removal of an old account that was settled after the first late payment over 84-months ago. GM FINANCIAL is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Product: Debt collection

First of all, the debt is XXXX  years old..I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am XXXX XXXX XXXX n retired woman who has not been shopping anywhere since my XXXXXXXX XXXX XXXX XXXX in XXXXXXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( XXXX XXXX  ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard n Im XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.
Product: Mortgage

Starting in XXXX of XXXX, I started the process to refinance my home at a lower interest rate. I paid for the inspection/appraisal ; went through all the paperwork and got approved. 5 times we scheduled closing in XXXX - XXXX of XXXX and 5 times my closing was delayed because they, " had to close on an XXXX client ''. On the sixth time, my medical bills caught up with me and when they checked my score, it was too low to work with. 

I'm at my limit. 5th Third wont help, nor will they acknowledge that they did wrong. I'm not trying to get something for nothing, I'm willing and was willing to go through the process but I feel that I have been discriminated against because I'm not an XXXX XXXX  who is trying to finance a home.
Product: Mortgage

I have been a member of Pentagon Federal Credit Union for 40 years and had never had a problem with them before. In XXXX of XXXX, however, without any basis or documentary evidence, they claimed that my flood insurance had expired on XXXX XX/XX/XXXX and they had no evidence that it had been renewed. As requested by PFCU, I provided declaration pages for the insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as well as from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. They then claimed that there was a gap in insurance coverage from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX which was patently incorrect since they had the correct dates from the policy declaration pages. They then on several instances, threatened to purchase flood insurance to cover this period. 

I provided all the information they asked for and they acknowledged having received it, but persisted to claim there was a gap in coverage and threaten to purchase flood insurance for me. This was all documented in a series of letters back and forth from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. This entire problem was about my home equity line with PFCU, which did not even have any balance outstanding throughout the whole exchange. 

I was so disgusted with their incompetence and lack of response over this issue that I requested that they close out my accounts and terminate my membership in PFCU. I instructed them to do this in my letter of XXXX XX/XX/XXXX and again in my letter of XXXX XX/XX/XXXX. While they subsequently sent a letter stating they had cancelled the flood insurance they had ordered, they have taken no action to close my accounts, forward the proceeds to me, or to terminate my membership in the PFCU.

After 40 years as a member, I can not believe they would treat me this way and I no longer wish to do business with them. I want my membership cancelled and the proceeds of my accounts forwarded to me without any further delay. In reading reviews of PFCU online, I am apparently not the only person who has had this sort of problem with PFCU.
Product: Credit reporting or other personal consumer reports

XXXX This account was past due as of XXXX due to divorce. They are reporting that my account is past due of XXXX days as of XX/XX/XXXX. I settled this account for less than full balance on XX/XX/XXXX with XXXX. XXXX say they cant do anything that XXXX is reporting incorrectly and XXXX says XXXX is. No one is willing to help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed a fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a personal data that is incorrect, please remove the following wrong address associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Account XXXX in the amount {$1200.00} is being falsely reported. The creditor has called numerous times trying to collect the debt and has failed to provide me with validation of the debt. TransUnion, XXXX, and XXXX are also contradicting what is being reported which has concluded that they have also failed to validate the debt. This is being reported as a " revolving '', " closed '', and a " charge-off '' account.