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

Last month I used XXXX XXXX at Capital One to pay my XXXX XXXX XXXX. The total I wanted to pay was {$210000.00}. This was a payment for my husband and my retirement trip. I could not make it in XXXX lump some. I paid XXXX to be delivered by XXXX XXXXXXXX XXXX XXXX by XXXX XXXX, and XXXX by XXXX XXXX XXXX. The XXXX was taken out on XXXX and delivered to XXXX XXXX by XXXX. XXXX XXXX confirmed this. XXXX was taken out on the the XXXX and XXXX and said delivered on the XXXX and XXXX. XXXX XXXX did not get this payment. When I called Capital One they said because of the weekend and XXXX XXXX XXXX it was probably running a little late. I did not understand this. Yesterday I went into Capital One and was told that XXXX XXXX XXXX have these payments. When they checked further they found it was a paper check that was sent by mail and would take 4 to 5 business days. It told them that is not what I was told or how the other payment of XXXX was done. When they call to get a negotiation of funds letter that person told them it might take 7 to 10 days to get he funds. I transferred the money to them back in XXXX and allowed 7 to 10 days for it to clear. They had it cleared and sent. The bank person at the XXXX XXXX in XXXX XXXX - XXXX told me they would pay up to {$100.00} if it was a problem with them. My fees will be a lot more than that with XXXX XXXX. I feel that I have been misled and they are using my money incorrectly. If I had wanted to put my check in the mail I would have done that. Since I have had checks stolen from the mail I do not do that. If I send anything I use XXXX XXXX so it can be traced and I do it overnight. There is no reason Capital One should do this and their employees didn't know what was going on. If I stop payment on the check that will take at least 3 days and my bill will be delinquent.
Product: Debt collection

XXXX XXXX firm attempting to collect debt from XXXX years ago, I get letters all the time just got one saying notice to discharge and release garnishee. There is no garnishment.
Product: Debt collection

This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Product: Mortgage

Wells Fargo sends out next payment form shortly after making a payment. I had gotten in to the habit of sending another payment shortly thereafter. Got ahead in my payments. My next mortgage payment is due XX/XX/2019. 
I've been looking into refinancing and Wells Fargo was in consideration. Last week I asked what happens to the payments I already made if I terminate the loan and refinance with Wells Fargo or another lender. My statements reflect that my payments and the extra I always add to payments has reduced the principal. However, I want to know what happens to the payments in advance regarding interest. Some lenders have said they would have to reimburse others are not sure. The Wells Fargo representative has been trying to find an answer. After telling them I was filing with CFPB, I received a XXXX from XXXX XXXX, Senior Vice President Wells Fargo Home Lending. It states : " It's our goal to complete the necessary research and provide you with a response by XX/XX/2019. '' Why does it take so long to provide an answer? I'm reluctant to re-finance until I have an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of One Main on our credit report. To be specific XXXX and XXXX records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. XXXX have been also notified numerous of times to correct its recording of an Open Account, XXXX is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

OneMain, XXXX, and XXXX have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( Block, Inc. ) Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email COMENITYBANK/VICTORIA. 

The following are the reason ( s ) why COMENITYBANK/VICTORIA should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX ACCOUNT XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/XXXX. XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN, XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX ACCOUNT # XXXX I OWE {$1400.00} XX/XX/XXXX, DEPT OF ED/XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX,, DEPT OF ED/XXXX XXXX  LATE PAYMENTS, XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$610.00} ACCOUNT # XXXX, XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX LATE PAYMENTS DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$27000.00} ACCOUNT # XXXX, XXXX XXXXXXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENTS. 

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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Money transfer, virtual currency, or money service

I had my wife deposit a check she was told the check would have a two day hold. 24 hours later she was called and informed that it would not be released in two days. It would be a 7 day hold. I felt like my wife was lied to. I asked for the check so I can go to the bank from where was from they said no. As a small business owner it already took me over 30 days to get the check from the company I worked for to hear my bank was holding it for another 7 was unacceptable because I needed the money released to pay for my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to investigate the fraudulent activity on my credit report. I have sent them the FTC report, Identity Theft affidavit, and my identification documents and I have not heard anything from them. The FCRA states in the event of identity theft, credit bureaus have days 4 to investigate the credit file and notify the account holder. They are in violation of the FCRA.
Product: Checking or savings account

Starting in XXXX had multiple claims due to a creditor that I paid through the account. After a year and a half the claims were resolved and finally paid. I spoke with XXXX XXXX a representative of BOFA on XX/XX/XXXX. He said that the bank doesnt give any restitution for any delays that was caused due to claims being paid late. This caused a financial hardship on me that resulted in credit score decreasing, vehicle being repossessed and defaulting on other obligations late fees etc. I know if I were a XXXX XXXX XXXX XXXX, BOFA wouldve found a way to compensate me and finance a vehicle that equaled to the one I had. Over time it was close to XXXX that had to be refunded to me. All he could say was he was sorry. That wasnt good enough, Im asking CFPB to please help me get restitution that is feasible for me.
Product: Checking or savings account

Open my Truist checking account on XXXXXXXX XXXX XXXX XXXX made a deposit, They placed a seven day hold on it. Which cleared yesterday and then my account is still Block calling customer service every day been going to the branch every day with no resolution basically holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX AND XXXX XXXX XXXX CLAIMS THAT THEY PROPERLY SENT ME NOTICE REQUIRED BY 15 USC 1692g, THIS IS NOT A TRUE STATEMENT FROM THEM, THEY MAY HAVE IN FACT MAILED LETTERS BUT I AM NOT IN RECEIPT OF THEM. I ALSO DID NOT GET ANY ACCOUNT LEVEL DOCUMENTATION. I FOUND OUT ABOUT THESE DEBTS BECAUSE THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT AND DROPPED MY SCORE VERY LOW DAMAGING CREDIT WORTHINESS. IF THESE ACCOUNTS DID IN FACT SEND A NOTICE, I WOULD LIKE TO SEE THE CERTIFIED MAIL RECEIPT, I REQUIRE PROOF OF MAILING ACCORDING TO THE MAILBOX RULE. I WAS NEVER GIVEN A CHANCE TO DISPUTE THE VALIDITY OF THE DEBT. THESE ACCOUNTS HAVE NOT ACTED IN ACCORDANCE WITH 15 USC 1692g. THESE ACCOUNTS ALSO CLAIM THEY ARE PERMITTED TO REPORT TO MY CREDIT REPORT EVEN AFTER I HAVE SENT OUT A CEASE-AND-DESIST ORDER TO STOP ANY COMMUNICATION. THESE ACCOUNTS ARE NOT CLEAR ON THE DEFINITION WITHIN 15 USC 1692c. I'LL QUOTE IT AGAIN STRAIGHT FROM THE FEDERAL LAW, " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' UNFORTUNATELY, THESE ACCOUNTS BELIEVES THAT COMMUNICATION ONLY CONSISTS OF PHONE CALLS, LETTERS, AND EMAILS. THE LAW IS CLEAR THAT ANY COMMUNICATION ABOUT THE DEBT IS A VIOLATION AFTER THE CEASE-AND-DESIST IS DELIVERED AT THE MAILBOX. FURTHERMORE, BECAUSE THESE ACCOUNTS DID NOT MAKE SURE I RECIEVED THE PROPER NOTICE UNDER 15 USC 1692g THAT IS A VIOLATION AS WELL. MY CEASE-AND-DESIST WAS BASED ON THE FACT THAT THESE ACCOUNTS COMMUNICATED TO THE CREDIT REPORTING AGENCIES, WHICH ARE " persons AN ALLEGED DEBT REGARDING ME. THE COMMUNICATION TO THE CREDIT REPORTING AGENCIES IS AN INDIRECT COMMUNICATION BECAUSE ITS NOT A COMMUNICATION DIRECTLY TO ME. COMMUNICATIONS DIRECTLY TO ME WOULD BE PHONE CALLS, LETTERS, AND EMAILS. COMMUNICATIONS INDIRECTLY TO ME WOULD BE REPORTING TO THE CREDIT REPORTING AGENCIES, CONTACTING MY EMPLOYER, CONTACTING A SPOUSE, CONTACTING ANY PERSON THROUGH ANY MEDIUM. ITS CLEAR WHAT PERFORMANCE XXXX XXXX XXXX IS SUPPOSED TO TAKE AND THEY HAVE CHOSEN TO NEGLECT THAT PERFORMANCE AT THE EXPENSE OF DAMAGING ME IN THE COMMERCE ARENA. XXXX XXXX XXXX SHOULD HAVE THEIR LAW DEPARTMENT REVIEW THIS MATTER AND THE ATTACHED SCREENSHOTS BECAUSE THERE ARE SEVERAL VIOLATIONS.
Product: Vehicle loan or lease

On XXXX XXXX I signed a " promissory note '' to get a " loan '' from GM Financial. However was not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys books. The vehicle was also repossessed which is illegal as the the property was not the companies to have re-possessed as it was never In their possession. We had to pay almost XXXX dollars I XXXX XXXX XXXX, natural person, living man and original creditor was not given full disclosure on the consumer credit transaction. GM FINANCIAL is not the original creditor and that is false and misleading per the FDCPA. GM Financial did not disclose their initial relationship with the dealership that would bring a natural person into commerce. GM FINANCIAL did not disclose that upon the consumer providing their social security number ( credit card ) per the Truth in Lending Act and subject to 18USC 8, by the cardholder ( XXXX XXXX XXXX ) that the consumer who is the ORIGINAL CREDITOR in the consumer credit transaction, credit would be used by the dealership and the financial institutions to obtain a Loan from the federal reserve bank ( 12 USC 1431 ) in the consumers name ( identity theft ) and returned as if anything of value was provided in consideration by GM FINANCIAL. I am requesting validation of debt per 15 USC 1692g. In addition GM FINANCIAL is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Lastly, There are other questions below that I would like answered point for point on a sworn affidavit. 


The first question is based on Federal Reserve Banking publications, by whom was the " loan '' funded I.e, who put an up ( asset ) to fund the loan and where did the funds ( I.e, cash, money, check ) come from? 

Second, provide full bookkeeping entries for account # XXXX created XXXX XXXX be explained in detail? And based on banking principles when the " note '' was signed and deposited to " create the funds '' an asset and liability was created to " balance the books, does that constitute as an exchange and settlement for the goods received, I.e, XXXX XXXX  vehicle? 

Please also note That the giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. 

That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.

That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

The auto loan on my XXXX XXXX XXXX has been paid in full on XX/XX/XXXX. I am trying to sell my vehicle to XXXX. Got an offer from them to buy my vehicle. I thought I misplaced the title so I went into XXXX XXXX XXXX and requested a duplicate title. They advised me that Kia motor finance company still holds the lien. I called Kia Motor Finance ( KMF ) XXXX customer service on XX/XX/XXXX, requested the lien to be released. They advised it'll take 10 days and they will mail it. I requested it to be expedited due to the buy offer will expire. They said it can be done in 5 days. I requested my address to be updated from the old on file was XXXX XXXX XXXX XXXX OH to the current one XXXX XXXX XXXX  XXXX OH XXXX. They said it was updated. I requested it to be faxed to XXXX XXXX XXXX and gave their fax number XXXX. Customer service said the request was sent to the Lien Release Department. Then I waited. I kept calling XXXX XXXX XXXX to see if it was faxed and waited for the title to arrive in the mail. Nothing happened. Then I called KMF multiple times and spoke with supervisors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I didn't take down their names. On the last call I learned that they did not update my mailing address as my deceased husband was the primary on the loan. No one mentioned that they can't do it, they confirmed multiple times that it was updated. This resulted in allegedly them mailing the title to my old address on XX/XX/XXXX and XX/XX/XXXX. I know the owner of my old house and he never received anything from KMF in the mail. I also learned on the last call that KMF does not allow Notarized documents, such as the lien release on the Title to be faxed. No one I spoke with mentioned that before, just kept promising that they requested the Lien Release Department to fax it to XXXX XXXX XXXX. Then they say they don't have a fax machine, nor XXXX and can not send secure emails despite me giving them my consent to do it. For all this my twice extended buy offer expired with XXXX. I asked KMF to XXXX  it to my correct ( finally updated if I can believe them ) mailing address but they can't do it unless I give them my XXXX  account number and I pocket he cost. I thing their Customer Service Representatives and Supervisors were giving me misleading and incorrect information. I can not see a large company with no ability to fax, XXXX or secure email a document or pocket the cost of XXXX  to make their lack of lien release from XXXX right. I am losing out on my offer and the next offer from XXXX is XXXX Dollars less due to the delay in obtaining the title / lien release. I also need to renew the tags now that I was not able to sell it within XXXX that is my birth month and like to get compensated for the XXXX tags renewal fee. I am requesting to be compensated for my loss. I am also requesting KMFs procedures to be verified as I feel like I got conflicting information.
Product: Mortgage

My brother and I refinanced on a lake property about five months ago, we set up auto pay and it was excepted by the mortgage company. There was a month where they declined our auto pay for no specific reason and we missed a mortgage payment. My credit rating took a XXXX point hit because of their mistake. There is nothing they will do about it as explained in a phone call to the company. 
In 20 years of paying mortgages, I have never been late once.
Product: Credit reporting or other personal consumer reports

I Contacted the company LexisNexis after obtaining my Lexis Nexis Consumer Credit Report through a recent request to the company. There was a U.S. Bankruptcy Court item listed on my credit report. Per FCRA 623 ( a ) If a credit reporting agency can not Verify the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' Under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting, I challenged the reportability of the unsubstantiated allegations because they are INACCURATE. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify-through physical verification of my original signed consumer contract and or judgement ( s ) -all accounts and public information that they post on anyones consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail, and email in fraudulent and erroneous account information. I am currently still waiting on physical verification of the accuracy of the Bankruptcy reporting and the information regarding the bankruptcy reporting. Please see the letter that was sent to LexisNexis attached. 

Update XX/XX/24 I contacted the customer service on XX/XX/24 @ XXXX XXXX  because they sent me a letter stating that they could not authenticate my identity but they were lying because I had submitted a copy of my ID and a utility bill to get my consumer report less than 60 days ago ( that is how I was able to dispute the information ). But, I still called them at the number that was on the paper ( XXXX ) XXXX and I have a copy of the phone call because it lasted XXXX minutes and I spoke with a representative and she stated ( after authenticating myself over the phone ; again ) that everything was good and they have everything they needed. They told me that it was a mistake that they sent the letter but disregard it because they already had a copy of my ID and they apologized. This is terrible business and unfair practices that are taking place and I still do not have a resolution to this situation.