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

Per my original complaint on XXXX ( XXXX ) - Nothing has changed - STILL NO COMMUNICATION ... XXXX CALL Back, NO letters, NO emails - Today is XXXX - - - On XX/XX/2022, I received a letter through CFPB portal that was dated XX/XX/2022 ( attached ),. 
TO DATE - **I HAVE YET TO EVEN RECEIVE THE PHYSICAL LETTER THAT IS ATTACHED, NEVER RECEIVED, ONLY LETTER COPY I HAVE IS THROUGH THIS PORTAL ON CFPB WEBSITE** In the letter there is ZERO mention as to release date of MY money in my account. " XXXX '' provided their contact information as " XXXX, XXXX. XXXX ''. 
** I have now left 18 voicemail messages, as of XX/XX/2022 - ZERO response! ** The letter states that " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). '' What? The last deposit came from a now closed account. They had absolutely no problem accepting the funds, so therefore the request ( demand ) is unacceptable. 

There is no mention of a " hold time '' for my funds, no release date, and absolutely NO communication as to WHY my account was restricted and locked, in the first place. If there was such a communication, then Capital One is REQUIRED to provide me with a copy. 

CFPB needs to address these " provisions, terms and policies '' as per your own website it appears Banks with such size as Capital One, is holding American 's money XXXX and hiding under false pretense. In simpler terms, get some bollocks! As for Capital One - I have also forwarded these complaints to FDIC, OCC and now the California State Attorneys office. No Communication, finally when communicated with, only a lame vague letter, telling me what I am going to do to have my account released and funds returned to me. At this time, this will be an ongoing complaint, and I will continue to submit new one 's until this issue is solved. CFPB : YOU SHOULD NOT CLOSE THESE UNTIL CONSUMER IS FULLY SATISFIED OR MADE WHOLE. - PERIOD.
Product: Credit card or prepaid card

I paid paid off my full balance that syncb in the amount of XXXX thru there attorney XXXX & XXXX and instead of reporting it as paid in full they report it as settled for less then total due. There was no settlement it was fully paid
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I went to purchase a car and without my permission my credit was ran through multiple creditors who ran my credit multiple time causes me to have over XXXX credit inquiries. I did not give permission for any of these companies to run my credit
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX  I decided to purchase a cat from what I and many others thought was a business in California that bred cats and sold them after interviewing potential customers. I was one of those customers. After exchanging emails with these so called breeders, I got their XXXX information so I could send them the payment for the services. 

On XX/XX/XXXX I sent the payment of {$750.00} to the account the business told me to send it and I never heard back from them again. I tried to communicate and contact so many people. I spoke to Chase, the bank I sent the payment through and they told me they would start an investigation. After calling them for updates for many weeks, they finally told me they couldnt do anything about getting my money back. They couldnt contact the bank or shut down the account that scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank have all 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: Student loan

In 2014, XXXX, XXXX XXXX withdrew funding for my degree at XXXX XXXX University in my senior year, giving no reason other than their lack of belief that I would be able to pay the loans back. I was forced to drop out in my last semester, incurring high fees, and rendering my college transcript unable to be released. I was unable to make the initial payments, which were over {$1000.00} a month for a balance approximately {$38000.00}, and consulted several lawyers, who advised me to " save up money and settle '' and that " there was not hope for private loans ''. I was unadvised of any kind of income based repayment plan, and was simply told that Sallie Mae doesn't do that. I have spent several years searching for a job that provides more than subsistence, but due to my lack of a degree, and in a relatively high unemployment field ( Music ), I have accumulated a significant portion of debt. I am now being sued in 6 lawsuits by the company, but I have no accumulated assets, nor skills and have been homeless for the better part of the last 5 years. They have coerced my father into withdrawing his XXXX, and to taking assets they have no access to, and using them to pay the debts. My mother and father were cosigned onto the loans, and my mother has since passed on. I have no legal rights, and was not of legal age to begin sign for my own loans at the time that I started ( XXXX XXXX, at the time ). I was not given a chance to defend myself. Sallie Mae is a predatory loan company and needs to be stopped.
Product: Checking or savings account

I went to check my account and I couldnt get in my online account and I tried to change the password and it wouldnt let me so I called Bank of America and they said theyre closing my account. Why??? The lady doesnt even know but Bank of America randomly decided theyre going to close it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

1. Provide me with all documentation used to verify the accuracy of the disputed information 2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had XXXX assistance for a XXXX with XXXX in XXXX XXXX Mo. When it was all done l received a bill for $ XXXXfrom northwest financial a company owned by XXXX. I went to thete office with my assistance they discounted. I made payment by check {$150.00} they avcepted. A week or so later they sent my check back to me refused payment said l owed more and was attempting collection. It is now on my credit report. I have all documents and the check l tried to pay but was refused. I do n't feel l owe this debt
Product: Credit card

Upon closing this account, I was told that the {$42.00} refund check was mailed around XXXX XXXX XXXX XXXX. I still haven't gotten my refund check for a credit that was on my account since XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b EQUIFAX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card

I have an American Express credit card to which I have authorized XXXX other persons to receive cards under my account. I pay the total amount due each month. The monthly statement comes to me, lists separately each user 's activity, and provides the grand total of same. However, the credit company reports to the credit bureaus, the grand total amount that is due on all XXXX cards for each card holder and not their individual net amount. I understand that the grand total is and should be reported to the credit bureau on my account. The other XXXX account users credit scores should not be influenced by any credit amounts other than those made on their individual card.
Product: Debt collection

Back in XXXX XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring Blitt and Gains, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXXXXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It was n't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by Blitt and Gaines on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since XXXX. They have taken over $ XXXX from me unlawfully. Also, Blitt and Gaines has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact Blitt and Gains several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Product: Credit card or prepaid card

I had an Old Navy card that was closed by synchrony Bank for no reason they claimed that they had unauthorized charges and fraudulent activity in the XXXX XXXX sent them the information but I find it so weird that I pay my bill every month on time I was never contacted about any fraudulent activity they said has been going on for months Ive been paying my bill every month this happened on XX/XX/2021 The company stated that this event was taken place ever since I open the account back in XXXX I have not since heard anything from Synchrony Bank Im in the process of seeking a litigation against them because this is totally fraudulent for a company to do
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to open fraudulent accounts i found out on XX/XX/year> These accounts were opened without my knowledge or consent and are the result of identity theft.
Product: Credit reporting or other personal consumer reports

All three credit bureaus, XXXX XXXX, XXXX and XXXX have failed to change Nelnet account balance to XXXX. Pain in full. I have requested that Nelnet send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and Nelnet are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is constantly reporting false/erroneous negative accounts on my credit report. They refuse to re-investigate, instead, they are leaving the negative accounts on my credit. I have contacted both XXXX XXXX and XXXX XXXX, they are both non-compliant with resolution assistance. 

XXXX XXXX- Account Number : XXXX. 
XXXX XXXX GA Account Number : XXXX Per accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demanded that Experian provide actual proof the information was verified, not a computer generated confirmation. They've failed to do so, after 3 requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting my last payment made to them was in XXXX. This is inaccurate, last payment made to them was around XXXX. This should already be off my credit report. By reporting my last payment was XXXX pushes my 7yr retention back to XXXX. This is keeping me from obtaining credit. I've had no contact of any kind with XXXX  since XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

In accordance with the Trial Period Payment Agreement signed XX/XX/2021, Land Home Financial Services is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet Land Home resumed such action without sending proper notice.
Product: Money transfer, virtual currency, or money service

On Fri, XX/XX/2019 at XXXX XXXX Square Team XXXX wrote : Hello , We chose to close your account as authorized by our Terms of Service. 

Unfortunately, our decision to deactivate your account is final. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Section VII of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately, we can not provide more details regarding our decision. 

Thank you for your cooperation. 

Square Account Services Team -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : Subject : Your Account is Closed Why was I banned? All I did was make a simple Bitcoin transaction and transfer it to my personal wallet. There is nothing wrong with that.
Product: Payday loan, title loan, or personal loan

I got a title loan from InstaLoan on my XXXX XXXX. With the loan we purchase insurance that if the vehicle was in a car accident and it was considered a total loss the insurance would pay for the title loan. So on XX/XX/2020 my insurance company considered it a total loss and sent this information over to instant loan and pictures of the vehicle. At that point and still alone said they sent in the claim to their office TMX. It's now been almost two weeks and I have heard nothing and regards to me getting my title back so I can buy another vehicle. And they I have to return my title so I can sign the title to my insurance company so I can get paid. I have called the manager InstaLoan here in town I have tried calling corporate I have tried calling TMX corporate I have tried calling the insurance company that they deal with and I've heard nothing from anyone other than it's being processed. I was told the process takes two days to a week it's almost been two weeks. I don't know who else to call or what else to do but I need my title back. I do XXXX  three times a week and see a doctor for my car accident three times a week and I'm having to pay someone to take me tomorrow my appointments because I'm unable to get a vehicle without this title
Product: Credit card

XXXX XXXX XXXX XXXX XXXX, 2024 {$4200.00} XXXX XXXX XXXX XXXX, XXXX, NH, UNITED STATES XXXX Card Member : XXXX XXXX XXXX Setup in Progress Disputed Amount {$4200.00} Dispute ReceivedXXXX XXXX  2024 Ref. XXXX Dispute Reason None given Status Detail Set up in progress.

American Express is not fulfilling consumer rights and protections