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

I am writing this in reference to my account. My name is XXXX XXXX a XXXX year old XXXX Florida resident who on XXXX XXXXXXXX2016 with the help of my daughter setup an online account with Capital one and deposited {$1500.00}. I have since been unable to access those funds either online or via my phone and have been unable to get the funds refunded to me or my daughter the depositor of the funds. 
As a senior citizen, XXXX and not savvy with the internet and even though I had an account in a regular brick and mortar bank was convinced by my daughter that based on her experience she could get better saving rates using an online bank and so my daughter assisted me in setting it up, however for mysterious reasons Capital one has retained those funds for over a year, refused to refund them to me or my daughter, suggested we get pop money - the service that was used to deposit the funds to reverse the funds even though pop money offers no such service after 60 days especially not for transactions that go through successfully. 
It is quite apparent my funds have been illegally seized and retained. 
Since I am on a fixed income and have had trouble paying some bills and unable to purchase some medication because of this money I have no access to because I am being denied access by Capital one, I have suffered a lot of hurt.They wont even give me my full account number. 

I have researched and seen that I am also completely protected by Florida Statute section 415.1111 and Florida Statute section 501.2077 and it appears I am being taken advantage of due to my age and XXXX. 
I would like to kindly request that the funds are disbursed and refunded to me at the address I provided on my account, the other option would be to issue the refund check or deposit to my daughter the initial depositor of the funds. If there is a problem with establishing my dentity they can request copies of my state id and or ss #, no one at the bank has requested any of that or provided that option, the only consistent message I have heard is that my money is being retained for over a year with no interest which amounts to a XXXX. 
My information is below : Name : XXXX XXXXe Zip code : XXXX Last 4 of SS # : XXXX Please let me know if you have any questions and I hope you respond to this request promptly. 

Thank you
Product: Debt collection

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX {$10000.00} XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$23000.00} XXXX XXXX  XXXX {$44000.00} XXXX XXXX  XXXX {$9400.00} These credit accounts are the results of identity theft and fraud.
Product: Debt collection

This so called company is trying to collect on a Walmart card. Number 1 its an old debt. Number 2 I have a letter paid in full and its off my credit. Number 3. Many fake debt collectors try to collect on this one card. Number 4. They refused to validate the so called debt I dont owe this. They know my personal information. Thats scary they hung up on my when I said oh my XXXX about the Walmart card
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. 

I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. 

I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and XXXX XXXX standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. 

I have reviewed my credit report in all 3 bureaus ( XXXX, XXXX, and Equifax ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 

In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/AIDVANTAGE : XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. 

Thank you for your attention to this matter. 

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

I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXXXXXX XXXX  account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I, the consumer demand an updated and corrected account status on my credit from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX complete removal of the account. By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed. Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXXXXXX XXXX XXXX XXXX did not communicate with me in doing such fraudulent violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by Experian in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
Product: Checking or savings account

My account is in " inactive status '', I did not realize that when I moved a large sum of money into the account earlier this year ( XX/XX/year> ). I tried accessing the funds in XXXX and was told I can't take any money out because the account is inactive. 

I was surprised that the bank is willing to accept my money into an " inactive '' account but not willing to disperse my funds. 

I don't live near a Citibank Branch and therefore had to follow their process by mail which is to mail a letter to them in XXXX XXXX Tx to get the account Actived. I first did this in XXXX and again in XXXX. The first time I didn't send the letter certified so they said that is the issue. The second time I did sent it certified and they received it on XX/XX/XXXX. 

Since then I have talked to their " help desk '' 5 times with the same answer everytime which is they have to send an email to their back office. They have acknowledged that they too see they received my letter but have done nothing to move the account out of inactive status. 

I've asked the help desk to put me on with someone in the department that owns this and they only say that is a " back office '' and they can't get me to anyone there. At this point they are just holding my money and not living up to their word to activate my account so I can access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Consumer # XXXX Dispute Case ID : XXXX XXXX XXXX I had a Fraud claim open with Early Warning disputed Fraudulent Bank Openings with XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I have sent them a police report identity theft report and copy of my signatures in front of a XXXX XXXX XXXX have lied and said they did an investigation and lied. I have contacted these Bank Institutions also. 

Early Warning already have the necessary paper worked sent to them via mail form the previous disputes Thank You XXXX XXXX
Product: Checking or savings account

I had filed an earlier complaint regarding the safety deposit box at Wells Fargo. I reported receiving a bill for this box and told the bank that I will not be going through probate for these papers since my husband is deceased. I have a trust and all the necessary documentation that entitles me to this box. The bank is unyielding. Now the bank has sent my deceased husband an overdue letter for this box fees. The money is not the issue. It seems illegal to continue to harass me because they refuse me access to the box. I am already in mourning and this bank has done nothing to help me. I have spent money on a lawyer to understand my rights and this letter has again added salt to the open wound. This bank had better not hurt my deceased husband 's credit rating or damage his reputation in any way. It seems illegal that they continue to harass me even though they know he is deceased. If they would just let me close it, I would have no problem paying the fee but they will not so I will not. There are only papers in there all of which have been replaced. 

The bureaucratic responses are XXXX. PA does allow people to access boxes with the documentation I have provided to them. This is just the bank treating customers as nothing more than a number and harassing me
Product: Vehicle loan or lease

On Saturday XX/XX/XXXX, I responded to an advertisement through XXXX XXXX to lower the APR of my new car loan. The advertisement was for 5.45 % APR through Autopay, shortening the terms of the loan from 84 months to 60 months. This seemed like a great option to explore since even with a higher monthly payment I could save over XXXX in interest. I clicked on the offer after discussing with my wife, I filled out some basic information and was directed to what I thought was a credit app. Not 100 % sure yet and wanting to explore it further before committing to a credit pull I closed without completing the information. I was a little shocked to find they had performed a hard inquiry on my credit later that day. Annoyed but not totally dissatisfied I spoke to a representative from Autopay today XX/XX/XXXX. After providing more detailed information on my income, she then told me she would shop for lenders, I was annoyed to hear this as I thought Autopay was the lender. She then cam back with a best offer of 6.5 % APR. I asked if that could be improved, she said yes if we included my wifes income. I then asked what was the best offers she sees for the most well qualified applicants and she said nothing lower than 6 %. My first complaint is that the advisement was misleading, knowing that an offer below 6 % is highly unlikely and that they were not a lender but an agent. My second complaint is that they performed a hard pull of my credit report, without informing me and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I expected {$470.00} to be deposited into my account from my Cash App balance. I checked my account on the XXXX, when I did not see my deposit I called Cash App and was told to wait 3 business days and my money should arrive. Three business days came and went and I still did not receive my money. 
I contacted my bank and they said there was no trace of the money. On XX/XX/2023 I asked Cash App to look into this issue for me. They asked me to provide proof. I provided print outs of my account showing I only had a {$5.00} balance with no pending or past transactions. They also asked for a letter from my bank which they provided also verifying that I did not receive a deposit. After all of this, Cash App said they would ask my bank for a reversal. How could they reverse that which never arrived? So they attempted to withdrawal {$470.00} from my account knowing my balance was only {$5.00} which caused me to be charged a {$25.00} insufficient funds fee by my bank. 
Fast forward to today, Cash App just insisted the money was there, ignoring the proof that they asked for. My bank did their own internal investigation and found that no deposit entered any account that whole week in the amount of {$470.00}. They offered to talk to Cash App to try to work this out but Cash App will not cooperate. Money does not vanish without a trace and I need for someone to take a deeper look into this so that I can get my money back.
Product: Debt collection

Subject : Request for Debt Validation and Contractual Proof Dear Exeter finance llc, I am writing in response to any alleged financial obligation you claim I owe. I am willing to settle any lawful debt for which I am legally responsible ; however, before proceeding, I require proper validation of the debt as required by law. 

Specifically, I request : 1. A signed invoice that details the actual accounting and verification of the amount claimed.

2. A copy of the contract that legally binds both partiesyour company and myselfdemonstrating mutual agreement and obligation.

As you are aware, a legally binding contract requires the following elements : Full disclosure Equal consideration Lawfully terms and conditions The signature of both parties Until you provide the requested validation, I do not acknowledge any obligation to pay. If you are unable to furnish these documents, I request that any claim be withdrawn and that my credit record remains unaffected. 
Please provide the requested documentation within 30 business days from the date you receive this letter other wise I will consider this debt fully discharged and off my credit report or I will take legal actions Sincerely, XXXX XXXX XXXX XXXX this is what I sent to Exeter finance and I still havent received this information and I want it discharged if they cant provide me this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached two statements proving I paid on time and extra and request they remove tthis late payment and update it to current.
Product: Credit reporting or other personal consumer reports

I previously requested that my personal information be corrected as there are multiple names in my personal information and multiple addresses that are totally incorrect and I request that it be resolved as soon as possible because it is damaging my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account 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 a Account without my written instruction.
Product: Credit reporting or other personal consumer reports

Ive contacted NATIONAL CREDIT SYSTEMS regarding a debt and asked them to provide the debt and to do a investigation and show proof of the investigation or remove the item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to Experian 's data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.
Product: Credit card or prepaid card

I paid for a class on XX/XX/XXXX using a Capital One mastercard. This class was cancelled entitling me to a full refund. The department head said she would transfer the registration to an XXXX class in the hopes that class wouldn't be cancelled. I agreed. The policy of the University  XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) is to send a registration confirmation confirming enrollment. I did not receive a confirmation until XX/XX/XXXX for a XX/XX/XXXX start date. Since I hadn't received a confirmation, I assumed that the class was also cancelled. The confirmation came 5 weeks after I " registered ''. To receive a full refund, the student must cancel before 10 business days of the start date of the class. The confirmation that I was enrolled was emailed 7 business days before class, making it impossible to receive a full refund. I left a message with the Associate Outreach Specialist, XXXX XXXX. She left a message saying that I wouldn't be receiving a full refund because I cancelled withing the 10 business days. I disputed the charge with Capital One, who initially credited my account {$160.00} on XX/XX/XXXX. XXXX credited my account {$130.00} on XX/XX/XXXX which is not a full refund. I received a letter from Capital One stating that the {$160.00} would be debited back to my account since XXXX provided a refund. I could provide documentation if I wanted to pursue the matter. I called on XX/XX/XXXX for information on where to send the documentation and the customer service representative send she would send me an email. I confirmed my email address with her, but never received the email. I confirmed it wasn't in my spam folder. I called again on XX/XX/XXXX at XXXX XXXX.and spoke with a supervisor who said she would resend it and again confirmed my email address. I still didn't receive it and called again at XXXX and spoke with a supervisor, XXXX. He said he would resend. I asked for the email address and he said they couldn't give me the address. They would have to send it to me because it contained links. I still haven't received it. I went to the Capital One website to " report a problem ''. I filled in the information and the message back was " We hit a snag.Something went wrong on our side and you'll have to call us at XXXX to file this dispute. It will only take a few minutes. '' I have also today checked my statement and Capital One has debited my account for the {$130.00} on XX/XX/XXXX. Capital One has not debited my account yet for the {$160.00}, but their letter said that would be forthcoming if I didn't provide documentation which I haven't been able to do because of their end. I should receive a full refund since the original class cancelled. Since I didn't receive a confirmation that I was registered for a class until it was too late to cancel substantiates that I am entitled to a full refund. I have tried 2 ways to resolve this with Capital One ; through the website and 3 calls to customer service, twice speaking with a supervisor. 

I've attached the following documents : XXXX XXXX ( the date I received this email is shown as XXXX ) XXXX  XXXX Registration is the attachment
Product: Checking or savings account

On XX/XX/2022, there was {$4300.00} garnished from my joint account with PNC Bank without my authorization. 

I am personally not liable for the garnishment and have requested PNC Bank to release the funds several times, but they have failed to do so.