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

EVERBANK - now known as TIAA Bank, by a merger or acquisition, of EverBank by TIAA FSB is  the financial institution that cheated me out of most of the {$15000.00} principal of my Certificate Of Deposit. I understand the formal name is TIAA FSB. The acquisition took place in XX/XX/XXXX and the name change in XX/XX/XXXX.

I opened, in XX/XX/XXXX or XX/XX/XXXX, a {$15000.00} " WorldCurrency '' Certificate Of Deposit with EverBank when its headquarters building was located in New York State, and the currency EverBank recommended, and that I agreed to use, was XXXX XXXX. I sent EverBank a check for {$15000.00} or used a wire transfer of some kind, to make the deposit. 
The money deposited was to be used, I was told, to buy XXXX government " bonds '' of some kind, that were paying about 15 % annual interest rate, and that the amount of the CD would grow fast with re-investment of the proceeds. Monthly and/or quarterly statements were sent to me until XX/XX/XXXX showing the interest being paid on the CD and the re-investment ostensibly occurring. 

On or about XX/XX/XXXX -XX/XX/XXXX, EverBank abruptly closed my WorldCurrency CD, without my consent - a " forced closing '' of my CD by EverBank - not by me, and returned about {$4100.00} to me. The rest of the money was kept by EverBank - that is, all the rest of principal and all the ostensible " interest '' earned. EverBank just terminated the CD deposit and took most of my money. I lost almost {$11000.00} in principal and all of the supposedly earned interest. The total loss was about {$18000.00}. The FDIC would not reimburse me, ever. 

I contacted EverBank many times by telephone and asked for my money back and I was told by employees, who would not give their names to me, that there would be no more money refunded, and there was nothing that could be done. No real compensation was ever developed by litigation either, so I remain cheated out of about {$11000.00} principal and about {$18000.00} in interest plus principal. 

There was a " class action '' lawsuit, XXXX XXXX EverBank, filed by a WorldCurrency  CD customer, against EverBank in Federal Court in XXXX XXXX California Federal District Court, in XX/XX/XXXX, and this was eventually settled for a small amount of money, and a check for about {$400.00} to {$450.00} was sent to me by the funds distribution company appointed by the Federal Court Judge in the lawsuit. I did not endorse or negotiate the check, because I didn't want to accept such a small amount of money, tiny really, and compromise my rights. I still have the check. 

The top executive at EverBank admitted I had been cheated in his own Declaration that he signed, filed in the lawsuit record : On XX/XX/XXXX, EverBank 's Executive Vice President, XXXX XXXX filed a declaration to the court in response to the lawsuit. In the declaration, XXXX admitted that a total of XXXX investors lost {>= $1,000,000} as a result of Everbank 's forced closing of their XXXX XXXX denominated " CDs ''. That averages out to a loss of about {$18000.00} per account. I am one of those customers who lost his investment because of EverBank 's forced closing of my CD.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX amount {$960.00} remove XXXX remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX XXXX  account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX XXXX XXXX  amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX XXXX XXXX XXXX  amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX XXXX XXXX XXXX XXXX amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report 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 XXXXXXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 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: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report has not been updated in the month of XXXX for my XXXX XXXX credit card. The last update was done XX/XX/XXXX. XXXX XXXXXXXX has reported this information at the statement close date on XX/XX/XXXX. Experian has failed to update the account balance. I went a step further and opened a dispute for the account, just in case XXXX XXXXXXXX was responsible for the lack of reporting ... .. XXXX XXXXXXXX provided the same account information again on XX/XX/XXXX to Experian ... and again ... no updates. This has happened several times with Experian. It doesn't seem to be by accident that activity and or payments that would increase your credit worthiness have an issue being reported, while damaging information is reported quickly. I do believe ... .based on the amount of times that this has happened..that Experian is indeed profiling credit profiles of individuals. I do believe that they look at race, ethnicity, address, employment status, etc. Nonetheless..it is damaging to me overall and has limited me in credit lines... housing opportunities..etc.
Product: Credit reporting or other personal consumer reports

Over 5 months in XXXXXXXX XXXX XXXX  I submitted CFPB Case : XXXX to Capital One informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.
Product: Checking or savings account

As of XXXX XX/XX/XXXX Axos bank ( XXXX ) are holding my funds due to a unexpected/unexplained review i contacted them twice was told they can not provided me with any info or that i cant close my account and get my funds i need my money i have XXXX kids XXXX XXXX XXXX and XXXX and bills that are due and cant work due to corona and my kids are home doing virtual learning i transferred that money in the bank thinking it was safe and Im protected i have no money as of now rent is coming up they have XXXX on hold with no real explanation on why and no time frame of when review will be over and release my funds its a difficult time in the world right now and no one should be taking money from anyone can you please help me thanks
Product: Credit card or prepaid card

Deposited {$3000.00} via ACH from my XXXX XXXX XXXX to my netspend account, as well as other cash deposits. This took place XXXX of XXXX. After a few months of not using my account I called to close it. Netspend representatives agreed to close it and send me a check of my balance which was my initial ach deposit plus money from my other cash deposits. I was never sent a check and my card was cancelled, giving me no way to access my funds. Months of calling and I was finally able to reach a representative who would help me named XXXX. On XX/XX/XXXX she reportedly arranged to have netspend ach transfer me back my initial {$3000.00} deposit. The money never reached my account and now netspend is saying the transfer was successfully completed. I have spoken to my bank XXXX XXXX about this and they have told me to take legal action as no incoming transfers to my bank took place. Netspend has taken over {$3000.00} of my money. I have given them 5 months to return my money and hours of calling with no success, the only other option is legal action now.
Product: Payday loan, title loan, or personal loan

Account was opened in XX/XX/XXXX with 12 month deferred payment. In XXXX I had loss of income and was unable to make payments. In XXXX of XXXX the account was charged off. Since that time and until this day, creditor continues to report the account as a " charge off ''. I have spoken with them in the past and they maintain they are correct. I was " penalized '' once when they reported as a charge off and now I am being penalized monthly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for inaccurately reporting a medical collection account ( Account XXXX : XXXX ) on my Experian credit report, which violates my consumer rights under federal law. I never had an agreement with XXXX XXXX, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the XXXX administration, unpaid medical bills will no longer appear on credit reports. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 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 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 got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.
Product: Debt collection

I completed a dispute however it was not successful. They responded that mail was sent but I was not leaving in the address that was sent to due to XXXX  so I never received the letters. Now I want to rebuild my credit so I can buy a house but due to the Covid 19 im not able to pay the full amount I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decided to willfully break federal law and illegally refused to accept a dispute of incorrect information on my credit report. I have a screenshot proving Experian is willfully breaking federal law.
Product: Checking or savings account

Finally got a response on when my account will be closed, however in the letter it states that I can move the money in the account yet access to the account won't change ( which is XXXX access since XX/XX/XXXX ) It also states I can request the account be closed before the established closure date of XX/XX/XXXX. However after requesting through multiple channels got told " the account will be closed on the XXXX '' and " oh lets go ahead and wait for the date provided '' completely ignoring my request and explanation that since I can't access the account to move the money out nor do I live close to a branch to do so in person. I just want the account closed and my money returned to me without waiting till the XXXX as we are now past 4 months of me fighting to figure out why and when the account is/was going to be closed for me to recieve my money.
Product: Debt collection

I got a notification from a credit bureau notifying me of a collection on my account from sequium asset solutions for XXXX. This collection agency did not bother to call me or mail me anything to inform me I owed money and they reported it to the credit bureaus before I could make it right and pay the XXXX so they did not report it on my credit history. I paid the collection on XX/XX/XXXX I have a email from them confirming my payment. It is now XX/XX/XXXX and I have yet to receive a paid in full letter that I have requested twice. I also would like to get this off my credit history and they will not report to any of the credit bureaus that is paid in full.
Product: Money transfer, virtual currency, or money service

Subject : Request for Assistance with XXXX  to XXXX  Migration Issue Dear Sir/Madam, I am writing to seek your assistance regarding an issue with the recent migration of XXXX  ( XXXX  ) to XXXX  ( XXXX  ). 
According to the instructions issued on XXXX 's website on XX/XX/year> ( source : XXXX XXXX XXXX ), all XXXX coin holders were to be airdropped with an equivalent amount of XXXX  tokens. However, only those holding XXXX on or before XX/XX/year>, are eligible for this airdrop. XXXX holders who purchased the coin after this migration snapshot date will not have their XXXX  converted to XXXX, and XXXX will eventually be deprecated. 
Unfortunately, I purchased XXXX after the migration date, unaware of these changes. Kraken did not notify its users about the migration and deprecation. Upon contacting Kraken, I was informed that they do not support this migration and will not provide XXXX  to current XXXX  holders. Furthermore, they indicated that XXXX would be delisted eventually. This oversight from both the exchange and XXXX, who failed to ensure that exchanges ceased trading post-snapshot date, has left me in a difficult position. 
I have invested over {$4000.00} in XXXX  and have filed a complaint with Kraken. However, there has been no resolution, and they maintain that only holders before XX/XX/XXXX are eligible for the exchange to XXXX. 
I kindly request your assistance in resolving this matter and recovering my funds. 
Thank you for your understanding and support. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX  ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Student loan

Inquired my loan provider about missing payments from XXXX - XXXX. They said they showed no payments. This is on their new system that they moved to. This missing information is vital to the PSLF Payment counts. 

Thank you
Product: Debt collection

I am reaching out to dispute eight incomplete and unrecognizable collections reported by XXXX XXXX, Caine Weiner, XXXX XXXX, and XXXX on my credit report. These inaccuracies are currently preventing me from moving into my new apartment, as they do not accurately represent my credit history. 

I have attempted to contact these companies directly, but they have either not responded or have requested that I send an email. Therefore, I kindly request an immediate review and correction of these entries to reflect my true credit standing.
Product: Credit reporting or other personal consumer reports

My accounts 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/updated. 

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. 

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!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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