23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX act # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I received a loan from the SBA on XX/XX/2021 for XXXX with an interest rate of 3.75 %. I was approved after meeting all requirements and sending all information requested. I used my capital one account ( even though I have others ) to fund the loan. Capital One immediately froze my account and told me they are closing all my checking and savings accounts and no longer doing business with me. But they have the audacity to keep open my 4 credit cards! That I will most definitely close once this is resolved. To be honest it made me feel like I did something wrong and I didnt like the feeling. After many calls to capital one they have basically told me to stop calling that it would not speed up the investigation. No details of why this is happening and no timeline, like this is the first time this has occurred.

Now going into the 3rd week no response from capital one and the loan incurring interest in said frozen account. Ive contacted SBA but they cant do anything until the funds are sent back. 
Its asking for documents but since I dont know capital ones issue with the funds I dont know what to upload
Product: Credit card or prepaid card

Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims to have verified a public record that was placed on my credit report. I requested a description of the procedures used to verify this public record and they did not provide it. I sent them a certified letter on XX/XX/2018. On XX/XX/2018 I received a letter from them telling me this public record was verified, but they refused to tell me how they verified it. I sent an email to the CEO of Experian XXXX XXXX on XX/XX/2018. XXXX XXXX did not get back to me regarding this public record. I contacted the Bankruptcy Court located in XXXX, NJ and the courtroom deputy XXXX XXXX told me the court does not give information to credit bureaus or 3rd party organizations. They still refused to remove this item from my credit report without properly verifying it.
Product: Checking or savings account

I filed a separate complaint on the count of Bank of America freeing my funds without a court order, judgement and tax lien. This complaint refers to BofA denying me access to Social Security funds and XXXX XXXX annuity payment. Both are under investigation by XXXX for Social Security and the Special Investigations Division of XXXX XXXX. The cfpb should take additional steps due to XXXX, clear violation of Federal Statute ( USCA ) and US case law.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting a complaint against XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. He advised me that despite exercising my credit protection plan, he did not see any payment from the XXXX party vendor and they sent my account to collections. I advised that I had not received any notification of a collection and I want it pulled back or removed from the credit agency as no written notice has been received and they are passed the timeframe to notify me of an intent to collect. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation against all parties unless this item is completely deleted from my credit. I want a letter emailed to me within XXXX business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries are listed on my credit report, which violate 15 USC 16c-2. Please remove all such entries promptly.
Product: Checking or savings account

Used my Bluebird Debit card by Amex as a deposit for incidentals involving an overnight stay at XXXX XXXX XXXX on XX/XX/year> Checked out without incident on XX/XX/year>. From the Day of checkout to the current date this is being written ( XX/XX/year> ) they are still holding my funds on my card, without explanation. I have uploaded documentation about the transaction at least XXXX times, and still no release or answer. Blue bird is doing this on purpose to ride the interest on this transaction. What they are doing is systematic and on purpose on a grand scale as there are post from many other users on XXXX, XXXX and XXXX, that have similar stories of these artificial holds. This can not be some sort of XXXX coincidence, this is a pattern of illegality that needs to be investigated. Research this topic online and on XXXX XXXX and you will see exactly what I am telling you.
Product: Credit card

I am making an official complaint about actions take regarding my account in connection with SYNCHRONY BANK credit card division. My credit plan, which already was limited, was further reduced from $ XXXX {$1800.00}. From the beginning, the credit plan was supposed to be an open end consumer credit plan. I am seeking redress and directing that the {$5700.00} be restored or all limits on the credit plan be removed. Please see attached.
Product: Debt collection

I paid all my debts in full Experian has 3 late payments on my account not taken off I would like them too wipe my whole credit profile selling all my info on the dark web crossing me and my father info together its Inquirys from whoever stole my info tryna feel out for credit cards on my XXXX and XXXX I mailed letters and email for two years no reply may I please have my credit profiles wiped clean and info up dated my father and I profiles getting merged also
Product: Mortgage

I have already submitted a complaint with regards to this issue, but Mr. Cooper ignored the state law that applies to XXXX XXXX military that states that the date of the loan does not matter as long as the member is XXXX XXXX in Louisiana. I am requesting that my loan be lowered to 6 % from 6.625 % and I am payed back for the amount I have paid over 6 % since closing on the loan on XX/XX/XXXX. I have been stationed in Louisiana since XX/XX/XXXX and qualify under the state law. 
Attached below is a link to the Louisiana state law that writes " Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on XXXX XXXX. '' The second link from the state legislature also says " A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Product: Debt collection

On XX/XX/2012 an auto loan was taken out in my name with a company by the name of Westlake Financial in XXXX. I lived in XXXX  at this time. Theres a balance of {$7500.00}. I have been disputing this fraudulent account for years now. Its now still reporting to my XXXX  and giving me the hardest time. Not the mention by state law in XXXX debt collection credit reporting has a Statute of Limitation of 6 years. Now, Ive tried and tried and tried and this company still has not taken this off. Please remove this account as it is not mine and also violates my rights by law of ( SOL ).
Product: Credit card or prepaid card

The company 's response did not address the issue of incorrect credit reporting. I have taken the liberty of submitting all of my statements and there was a payment made in XX/XX/2023 that cleared for {$290.00}, yet there was a past due balance that rolled over to XX/XX/2023 erroneously. XXXX payments were made in XXXX for XXXX and XX/XX/2023. There was a payment made for XX/XX/2023 in XXXX on XX/XX/2023. The date the statement closed, but it was not included on my statement despite the statement saying it included XX/XX/XXXX, XXXX XXXX, XXXX  transactions. In fact, there is a history of Arvest stating the statement period consists of time between XXXX dates, yet they do not include various transactions during this time period. This is an important and erroneous credit reporting practice that likely impacts multiple consumers and has adversely impacted me. 

As a onXXXX time courtesy to me, they need to honor their agent 's statement and address the issue of statement closing dates and transaction posting. The issue is not due dates, the issue is arbitrary transaction posting and statement closing dates.
Product: Student loan

In XXXX my wife and I made the decision to consolidate our federal student loans in hopes of simplifying our payback arrangements. This resulted in a private loan with XXXX, serviced by AES which originated on XX/XX/XXXX with a balance of a {$42000.00} with a variable rate at the time based upon the XXXX. 

Since origination, almost exactly XXXX ago, the following are loan facts to date ( XX/XX/XXXX ) : Current Interest Rate : 10.57 % ( Standard Variable ) Payments made to date ( according to the banks payment history ) : XXXX Average Monthly Payment {$300.00} Late Payments Since Origination : XXXX Late Fees Paid Since Origination : {$75.00} Principal Paid to Date : {$9700.00} Interest Paid to Date : {$40000.00} Total Paid to Date : {$50000.00} Expected Payoff Date : XXXX/XXXX/XXXX My complaint should be self evident based upon the numbers above. While the ( to date ) loan details state that our term is " 196 months '' we have satisfied XXXX payments to date and have only paid less than {$10000.00} to the principal and the loan details also state the " Expected Payoff Date '' to be XXXX/XXXX/XXXX? Very confusing. 

It should be noted that my wife and I filed for XXXX XXXX Bankruptcy in XXXX, XXXX in XXXX of XXXX. The bankruptcy was a result in part to past medical debt and my wife losing her business due to unforeseen circumstances. Due to the bankruptcy pending on our credit report, we are not able to refinance this student loan. 

As shown above, in the past 14 years we have been late paying this student loan one time. 

I have attached the loan transactions to date document that was downloaded from the AES website. I have also attached the details of the loan as printed from their website in XX/XX/XXXX and as of recent of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Cash App allowed frauduletnt transactions to be funneled through my account and theft of over {$9000.00} from me and refuses to fix these funds and refund them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report please remove them. XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I have reviewed my reports and I noticed that I had a collection amount due from this account, but this issue has been resolved prior. This account has also been reported as, and I did not give authorization to open this account. This account was removed months ago in XXXX. Now it is accruing interest and charging me late fees, please remove from my credit file. I assume that a consumer reporting agency must prepare maximum possible accuracy on a consumer report!
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 ( 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 to these violations.
Product: Credit reporting or other personal consumer reports

I am requesting the deletions of the profile that I have and remove the freeze on my credit report on chex system
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 in 60 days 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 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced theyre cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX- XX/XX/XXXX, my data has been breached as well and someone could have stolen it during this time. The incident was discovered by equifax XXXX XXXX.
Product: Mortgage

I contacted Ocwen Loan Servicing in the month of XXXX. I spoke with a XXXX XXXX, agent XXXX. XXXX regarding an Escrow analysis that I received from them dated XXXX XXXX, XXXX. The statement indicated that I owed an outstanding amount of {$800.00}. In spite of this claim, my upcoming payment showed a reduction from {$890.00} to {$850.00}. The agent advised that I would receive an adjusted Escrow Analysis reflecting updated information. 
I received another updated Annual Escrow Account dated XXXX XXXX, XXXX. The new analysis indicates that payments were received in the amount of {$850.00} of which {$580.00} was for principal and interest and {$260.00} went into the escrow account. 
The above reflects a discrepancy and inaccurate information. The actual amount I paid from XXXX XXXX through XXXX XXXX was {$890.00} as reflected on the XXXX XXXX, XXXX Escrow Disclosure statement. My tax bill for XXXX XXXX, XXXX to XXXX XXXX, XXXX is {$2500.00}. Since I paid {$890.00}, {$680.00} should have gone towards the principal and {$200.00} towards the real estate taxes.
Product: Credit reporting or other personal consumer reports

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 
If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 
Please send me a written confirmation that you have complied with my requests. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681 ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Checking or savings account

I have a over drawn charge from purchase at XXXX  for {$93.00}. So got charge {$34.00} fee. Payment can thought from XXXX of {$21.00} got charge another {$34.00} so before that day was over put the money in for that fee. I still got charged a fee of {$34.00}. I called told she I payed the amount that was charged and she said still get a fee. Because its not all payed off. I told her that wasnt fair. To charged me just because the whole amount not payed off. She that the way there do there fee. I told them that not right to do customer like that.
Product: Money transfer, virtual currency, or money service

{$7200.00} WAS STOLEN FROM MY CASHAPP ACCOUNT ON XX/XX/20. This is money that was stored on my actual Cashapp wallet not from my bank account. I WOKE UP AT XXXX TO A TEXT FROM THIS COMPANY TIME STAMPED AT XXXX THAT MY CASH SECURITY LOCK WAS TURNED OFF. I IMMEDIATELY LOGGED INTO THE APP AND DISCOVERED THAT {$7200.00} WAS STOLEN FROM ME IN THE FORM OF 6 SEPARATE TRANSACTIONS 5 MINUTES AFTER HACKING INTO MY ACCOUNT (  {$2900.00} XXXX, {$2500.00} XXXX, {$500.00} XXXX, {$550.00} XXXX, {$500.00} XXXX, {$250.00} XXXX ). I IMMEDIATELY FILED A COMPLAINT THRU THE APP FOR EACH TRANSACTION. SEVERAL HOURS LATER THAT EMAILED ME BACK ASKING FOR ADDITIONAL INFO WHICH I IMMEDIATELY PROVIDED. THE FOLLOWING BUSINESS DAY, I RECEIVED ANOTHER EMAIL ASKING FOR ADDITIONAL INFO IN WHICH I PROVIDED. I HAVE BEEN TRYING TO REACH OUT TO THIS COMPANY DAY IN AND DAY OUT REGASRDING THE DISPUT PROCESS AND THE STATUS. THE INL RESPONSE I APPEAR TO KEEP GETTING FROM THEM IS WHAT APPEARS TO BE A SYSTEM GENERATED EMAIL CONSTANTLY ASKED ME FOR THE SAME ADDITIONAL INFO OVER AND OVER AGAIN ( I WILL ATTACH A COPY OF THE EMAILS. ) THEY DO NOT HAVE A CONTACT # TO TALK TO AN ACTUAL PERSON AND IT SEEMS AS IF THERE IS NO LIVE PERSON HANDLING EMAILS AS WELL. I TRUSTED THIS COMPANY WITH HANDLING OF MY MONEY AND I AM EXTREMELY UPSET THAT NO ONE HAS REACHED BACK OUT TO ME REGARDING THESE FRAUDULENT CHARGES. HOW CAN YOU AS A COMPANY ALLOW SOMEONE TO MAKE SEVERAL TRANSACTIONS BACK TO BACK TO BACK IMMEDIATELY AFTER HACKING INTO SOMEONES ACCOUNT AND TURNING OFF THERE SECURITY SETTINGS WITHOUT SUSPECTING FRAUD. IN THE EMAIL I RECEIVED BACK FROM THE COMPANY, THEY ASKED ME TO REQUEST A REFUND FROM THE PERSON WHOM IT WAS SENT TO, WHICH I DID AS REQUESTED WITH NO PROGRESS. How do you expect for a thief to refund something that was intentionally stolen. I am a single parent of 4 and I am extremely upset. I do not no this person that the money was sent to, I did not send my money to this person. All of my security setting were turned on, I have an XXXX w/ face  recognition therefore I dont no how your company allowed someone to hack into my account from a device thats not even mines and disable my security setting to even be able to steal my money. I just dont understand it, Im irritated, frustrated, I feel violated and I feel like I was robbed