23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX First Progress First Latitude Card XXXX XXXX XXXX XXXX XXXX. SD XXXX RE : Request for Refund of Unused Funds Not Applied as Security Deposit Dear First Progress First Latitude I am writing regarding funds I submitted in connection with opening a credit card account, which were not used as a security deposit. According to my records,XX/XX/XXXX an amount of {$200.00} was provided on XX/XX/year> but it appears that this amount was not applied toward opening the account or securing the credit line. 

Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 C.F.R. Part 1026 ), credit card issuers are required to clearly disclose and handle funds related to credit accounts fairly. If the funds were not used as intended, they must be returned to the consumer promptly. Failure to do so may result in regulatory penalties and enforcement actions by the Consumer Financial Protection Bureau ( CFPB ). 

I respectfully request that the unused funds of {$200.00} be refunded to me within 14 days of receipt of this letter. Please issue the refund via [ preferred method, check to the address or account listed above. 

If this matter is not resolved promptly, I may consider filing a complaint and pursuing additional remedies under federal law. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX Relevant Regulations and Penalties : Truth in Lending Act ( TILA ) - 15 U.S.C. 1666d : Credit card issuers must handle funds transparently and can not retain funds that are not used for their disclosed purpose.

Regulation Z - 12 C.F.R. 1026.12 : Requires prompt refunds of unused funds not applied to the account. 

CFPB Enforcement - 12 U.S.C. 5531, 5536 : Penalties for unfair, deceptive, or abusive practices ( UDAAP ) may include fines and corrective actions.

Failure to Refund Penalty : Creditors may face statutory damages and civil liability for violating TILA regulations.
Product: Checking or savings account

XX/XX/2019 Synchrony Bank wrongly transferred {$10000.00} from my XXXX XXXX savings account to my Synchrony Bank savings account. Wrongly because I had already asked them to close this specific Synchrony savngs account at maturity XX/XX/2019 and send the {$10000.00} to me. But instead they transfered an additional {$10000.00} from my XXXX XXXX savings account. So now the total to Synchrony Bank is {$21000.00}. And today after a few months that account balance is now up to {$22000.00}. Please return that money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX
Product: Bank account or service

At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block, Inc. ) 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 fraud transfer act ( EFTA ) and regulations E. These actions have cost insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX mirage and got financing with santander auto on XX/XX/XXXX the car was totaled no fault of mine I was stopped in traffic. My insurance paid off 100 % of the vehicle and told me I wasn't responsible for my deductible because I wasn't at fault. Now santander is trying to get {$1200.00} from me when my insurance company told me they paid 100 % of the car. I still have no vehicle I'm still under doctor care and not working they have been told all this and do not care now my credit is completely screwed thanks to them and they will not remove it from my credit or drop the money I Do not owe them.
Product: Debt collection

Registered for classes with XXXX XXXX University last spring then decided to go with XXXX  XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.
Product: Checking or savings account

Complainant, XXXX XXXX XXXX has received XXXX ( XXXX ) debt collection letters from respondent, Stenger & Stenger , P.C in 2023 of an allege debt that is not owed. 
Respondent has not stop attempting to collect the alleged debt directly and or indirectly. 
Stenger & Stenger , P.C is a debt collector and has willfully violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 805. Communication in connection with debt collection ( a ) Communication with the consumer generally, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, violation of Debt Collection Practices ( Regulation F ) and The Georgia Fair Debt Collection Practices Act. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
XXXX XXXX has disputed the total amount alleged owed to XXXX XXXX XXXX in the amount of [ {$11000.00} ] dollars. The alleged amount of [ {$11000.00} ] is being disputed in its entirety. XXXX XXXX has responded timely, disputing letter dated XX/XX/2023 and received on XX/XX/2023 via regular mail, XX/XX/2023 and or about XX/XX/2023. XXXX XXXX has timely disputed the alleged amount due and requested Stenger & Stenger , P.C to cease-and-desists all collection attempts directly and indirectly. Stenger & Stenger , P.C have not cease-and-desists all collection attempts directly and indirectly after receiving proper notice in accordance with the law. 
Stenger & Stenger , P.C is harassing XXXX XXXX to pay an allege debt that is not owed to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchasing company that purchase alleged debts from close accounts, that either have been paid and or written off. Stenger & Stenger , P.C is aware of this and still attempting to collect an alleged debt that was not properly verified and that is not owed to XXXX XXXX XXXX. 
Stenger & Stenger , P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Reference Number XXXX
Product: Student loan

I have qualified for and received XXXX XXXX XXXX XXXX of my student debt. 
Mohela shows that it has been forgiven ; my credit report does not. 
I contacted Mohela, who confirmed that my amount due is {$0.00} ; my credit report still shows an amount of over $ XXXX due. There is no payment history that I can pull to show that it has been paid and forgiven in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I went online and pulled my annual free credit report this included XXXX  's, XXXX  and Experian information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. XXXX  and the others is showing that this account is still in my name. Also XXXX and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked XXXX  and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.
Product: Debt collection

Hi, My name is XXXX XXXX. I have an issue with PayPal credit for {$110.00}. Now they added some fees and interest = {$140.00}. The PayPal system appears with two pages because I have seen the PayPal system has been asking me to add the amount for their credit. It is an amount I did not use.

Whenever I apply for PayPal money, I pay off tried on time.

I have concerned about what and why they charged. So, I have contacted PayPal customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know PayPal was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it. 
In contrast, PayPal reported this issue to XXXX XXXX XXXX XXXX. Now, PayPal Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to PayPal. 

Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that PayPal reported that amount to the Third Party collector office. 
The below information is my detailed transaction on XX/XX/2021. 

XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to PayPal balance Can you explain why I have to add my money to PayPal credit? 
If you don't, I will sue PayPal and report XXXX 
Although I paid {$110.00}, why did PayPal report that amounts to the Third Party collector office accordingly???. Why does PayPal need my money to add in the PayPal credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution. 

Thank you. 

XXXX XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor Equifax, nor XXXX have deleted it yet. It has been more than 30 days.
Product: Student loan

I previously filed a complaint with the consumer financial protection bureau because they have kept my loans in forebearance for months and I am missing payments towards public service loan forgiveness. I have repeatedly asked them to remove it and they always say they will, but never do. When I filed a complaint here they told your office that they removed it and closed my complaint. I am submitting another complaint because they never removed it and I still have the forebearance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw accounts reporting that I do not recognize nor authorized.
Product: Mortgage

My household income was effected by XXXX my husband and daughter lost their jobs. My husband later suffered a nervous breakdown which cause more financial stress. I contacted my mortgage company and requested a loan modification. While working on my loan modification the sent it to a foreclosure attorney XXXX XXXX XXXX XXXX ATTORNEYS ). Shortly after receiving the notice of foreclosure. I received a denial letter. 
this was clearly Dual tracking. they are not willing to work with me because i have nearly {$400000.00} worth of equity in my home. THEY HAVEN'T RESPONDED TO MY QWR NOR MY GAP ACCOUNTING REQUEST
Product: Credit card

I have been dealing with an identity fraud issue since XX/XX/2023 with CapitalOne, please see previous FCPB complaints. The fraud oerson was able to disconnect my auto pay I had setup for my cards ( Quicksilver and Platinum ). Prior to this both cards we setup on autopay since inception. I have NEVER missed a payment or been late on either card. For the month of XXXX the payment was missed because, I didn't realize the autopsy was no longer valid as the fraud person was able to impersonate me and disconnect it. I called to ask that the late fee be removed, make a payment, and setup automatic payments again. I had no issue with the Quicksilver. However, the Platinum card has what the associates called a " restriction " which only allows them to make payments and NOTHING else. This can't be possible because both cards are impacted by the same issue so why is one able to be processed for late fee reversal and automatic payments and the other ( Platinum ) isn't? It's not enough I'm being punished by the fraud person, CapitalOne is also penalizing me it seems as well. Please help me get this late fee reversed and automatic payments setup please.
Product: Money transfer, virtual currency, or money service

I have bought Apple gift cards from various vendors over the last few months. All the gift cards were successfully redeemed on app store. My current apple account balance is XXXX. On XXXX XXXX XXXX, I tried placing an order on Apple.com and tried using the apple account balance. However, I was unable to place the order. See the attached screenshot ( Error Message-1 ) I tried calling Apple support and they mentioned that my account will be reviewed and subsequently the funds will be released after someone " reviews '' it. I tried placing order on XXXX XXXX XXXX and same issue happened. This time, I received other error message ( Error Message-2 ). The issue persisted on XXXX XXXX XXXX and none of the customer service representatives ( from pre-sales, sales, XXXX XXXX, store credit ) departments were of any help. Today ( XXXX of XXXX ), I spent so many hours trying to use my apple account balance. I received the same error message. However, an agent I talked to mentioned that my account has been reviewed and Apple has decided not to release my funds. He also hinted to file a dispute with credit card. I asked him, what the course of action was since my funds are being held by Apple and I am unable to use it? He mentioned that there is nothing he can do. I want access to my funds.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXXXXXX ACCT # XXXX XXXX TRANS UNION, & XXXX *****BALANCED AT {$67.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off, discharged and paid ( BY THE CREDITOR ). So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! THIS ALSO VIOLATES MY RIGHTS AS A CONSUMER UNDER XXXX5 U.S.C 1692j ( a ) ( b ) FURNISHING CERTAIN DECEPTIVE FORMS. ALSO, IT VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681c2 BY COMPROMISING MY IDENTITY, AND ALSO, UNDER FCRA SECTION 605b.I DIDNT GIVE ANY WRITTEN OR VERBAL PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ONTO MY CONSUMER REPORT! I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT TRANSUNION AND XXXX  STILL HAVE IT ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for CFPB Assistance RE : Freeze Credit Reporting Under the Fair Credit Reporting Act, I submit the following complaint against Experian for violating the FCRA. 

Problem : In late 2020, I filed a formal XXXX  complaint against Experian [ ID number is XXXX  ] for various violations of the Privacy Act associated with their Experian boost program. Since that time, Experian decided to retaliate for the XXXX complaint with a unilateral and arbitrary action declaring that my entire credit was Frozen Due to Federal Legislation. Furthermore, they have refused to update my credit report, accept my online disputes and most recently denied access to the Experian website altogether by and through their support service.. Experian is now violating my Consumer Protection and Consumer Credit Rights under Colorado and Federal statutes by freezing access to my credit history in a deliberation effort to deny credit. In order words, Experian has taken serious steps to deny complete access to all of my credit accounts. They also have reported inaccurate FICO scores for me and my wife which have been also disputed without success. 

I have reported their actions to the various financial institutions reporting to Experience who also have noticed that both my wife and my accounts were frozen or simply not update in accurate financial data. Enclosed attached is a Credit Bureau Report clearly shows that the file frozen to federal legislation statement. 

My Concerns : I believe because Experian is refusing to accept responsibility for the earlier XXXX complaint ( ID number is XXXX ), they have now taken steps to adversely impact our credit file, access to the credit file and accurately reporting FICO scores to creditors and financial institutions. It is this very reason ; I filled a formal complaint with the CFPB and continue to seek a just and fair remedy. Until Experian fixes these problems and provide a full accounting for their action, this complaint remains unchanged. 

XXXX XXXX XXXX XXXX