23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XX/XX/XXXX, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. The credit balance showed up on my BlueBird by American Express account within a day or two. On XX/XX/XXXX, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that funds in the amount of {$520.00} " have been returned to the merchant. '' Almost a year later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline ( even though American Express has already stated in writing that the funds were already returned ). Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. After almost one year, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost a full year. American Express 's written communication from almost 1 year ago indicated that the funds " have been returned to the merchant. '' American Express, by its own omission, has not returned the funds almost a year after making this statement. This is fraud committed by American Express, as this statement was made in an attempt to deceive. I am requesting that a check in the amount of {$520.00} ( the account  balance ) be sent to me immediately and the BlueBird account formally closed.
Product: Student loan

I have had so many issues with XXXX navient that i dont know where to start. I was put in default while still in school and never contacted until it was almost to late for XXXX. I was finally able to go through steps of deferment to get me out of default only to be given a payment amount that was ridiculous XXXX a month. I was told by the XXXX i would be XXXX in debt after school and that was with interest. After i graduated i found out i am XXXX in debt. More issues kept happening to my account with added fees and payments incorrectly applied to my account not going toward principle. I am now on the rate reduction program but i had to research for months just to find out this program exists. I have been harrased so much i want to XXXX to get out of this situation. My mom also has been severely harrased. It has cause me and family to part ways due to the conflicts these loans have caused and there is no end in sight. I am constantly stressed out and have several XXXX that last several daysXXXX, and several XXXX conditions. I have had many failed relationships due to this stress these loans have caused me. I can not afford to have a life outside of work and have developed a XXXX that keeps from participating in family and friend functions. I can keep going on all the personal effects this has had on me and my family. The school i went to os closing down slowly but surely due to predatory lending and other illegal activity to the point the federal government is suing them for XXXX XXXX since XX/XX/XXXX. I graduated in XX/XX/XXXX. I grew up on welfare and never made much money ever i just dont know why i was ever given these loans. I need them to go or i will be fleeing the united states in hopes to not live this type of stressful life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each creditor and consumer reporting agency in regards to the accounts listed below. and quoted the same FCRA subsection. 

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. 
XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX BANK Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I went into a dealership and asked that they only submit my deal with XXXX. I got home and noticed they had submitted ti a lot of banks I did not authorize. I have contacted the dealership and they refuse to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXkey bank unemployment many charges that were unauthorized XXXX credit report many charges were made without consent Can't retrieve bank statements
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions
Product: Checking or savings account

I have an account with Marcus and transferred money into that account on XX/XX/XXXX via a bank to bank transfer. I attempted to transfer a portion back to my XXXX checking account on the XXXX and was told there was a hold on those funds until the XXXX. I asked for written documentation and was not provided any.
Product: Debt collection

rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor XXXX XXXX  XX/XX/XXXX unknown XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX U XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXXXXXX XXXX XX/XX/XXXX0 U S DEPT OF EDXXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.
Product: Mortgage

XX/XX/XXXX - I send loandepot a statement that my property taxes are due. 

XX/XX/XXXX - I send loandepot an update that my property taxes were reassessed by the XXXX XXXX. 

XX/XX/XXXX - Loandepot acknowledged this change and states they were looking into the updated amount XX/XX/XXXX - Loandepot states " Our Tax Department has updated your tax lines and paid your tax bills due '' Taxes were due XX/XX/XXXX in the amount of {$6400.00} Loandepot paid {$2700.00} on XX/XX/XXXX XX/XX/XXXX - XXXX XXXX website states my property tax is delinquent and not paid in full. 

XX/XX/XXXX - I send loandepot a message about my delinquent status. 

XX/XX/XXXX - They acknowledge my email and state they will look into it and get back to me by XX/XX/XXXX XX/XX/XXXX No response XX/XX/XXXX - XXXX XXXX website states my property tax is delinquent and not paid in full. 

XX/XX/XXXX- Loandepot responds and says a partial payment was made on XX/XX/XXXX and a new payment should be pending XX/XX/XXXX - I email and ask for clarity as to why they failed to pay my property taxes on time from a fully funded escrow account. 

My trust in loan depot and their business practices has been irreparably harmed. Their lack of clear communication, accountability, and transparency makes me nervous about them handling my money. I have asked them to close my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the fair credit reporting agency. I provided proof of my credit report that they are inaccurate. 15 USC sections 604A section 2 also states that a consumer reporting agency can not furnish these accounts without my written instructions. The below listed accounts are inaccurate and violate my consumer rights : 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: Checking or savings account

On or around XX/XX/XXXX I opened a checking account online with US Bank. I was asked to deposit {$25.00} and a Debit Card/PIN would be mailed out to me. I received my card and pin and went online to add Direct Deposit through XXXX. I went through the process on USBank.com and XXXX app to ensure all was correct. On Friday XXXX XXXX XXXX XXXX XXXX XXXX I noticed my paycheck was not available nor was it pending. I immediately XXXX XXXX XXXX  sent a message out to a Customer Service banker online and was advised that funds were indeed pending and that I would see them by the end of the day. Saturday XXXX came and no deposit was made, so I started to call the XXXX number to inquire about it. I was disconnected multiple times and told that notes in the account were not visible to the dept i had reached. After 2 hours of trying, I decided to call a branch and they advised that my account was on hold pending address verification. So not only was my check not coming, but it was also sent back to my employer, and it would reflect in about 10days. I let them know that I was told the previous day that it would be available and that if i would have known on a Friday I could have made arrangements for my withdrawals to be delayed but now as it was a wknd this was no longer an option. The Teller took my information and said she would put a request in to call me " first thing '' Monday XXXX  to the Branch Manager. It is now XXXX on Monday and i have received nothing... i reached out the Customer service and apparently my account has had a hold since Day 1 yet I have no Email/Mail/Text absolutely nothing indicating this. I have spoken to 2 reps since Day 1 and this was never mentioned... .in fact my first bank statement is available, and this too shows nothing.
Product: Credit card

I wanted to open a depute on one of the amazon transaction since there is a problem with an item I purchased. I called Chase customer service line 4 times, and 4 times bank refused to open a dispute. I asked for a supervisor to assist, but was also denied by a person whos name is " XXXX XXXX ''. Both bank actions violates terms and agreement that I have signed with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, XXXX AND EXPERIAN ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Product: Mortgage

In 2018, my {>= $1,000,000} XXXX XXXX house was foreclosed and sold at auction for a {$130000.00} mortgage debt and I was left with nothing, zero monies. Shellpoint Mtg gave me nothing, NO MONEY, no explanation. Is grand larceny legal in America? Is MURDER LEGAL IN CALIFORNIA? Nobody ( even in the real estate business ), that I have told this story to, has ever heard of these type of violent felonious crimes happening to anyone else. Unfortunately, I am a senior citizen and XXXX  victim, and Shellpoint Mortgage Co 's ( in North Carolina ) final action caused me to go into shock and suffer another XXXX. Yes, I was struggling to keep up with my payments, and when Shellpoint Mortgage in North Carolina said they were auctioning my house and would not give me time to sell it myself. I didnt believe that was fair, especially because one often loses 10 %, 20 % or even 30 % of the value in an auction, but given my poor health, I couldn't fight this injustice. Then Shellpoint sold my house and gave me none of my equity, that's over {$1.00} million of grand larceny. Also, shouldn't XXXX  victims have more time to relocate, especially when the XXXX  was caused by their actions. To further compound this inhumane injustice, my house actually has 40 % more square feet than they advertised at auction and sold my property for. I can forward you emails that I sent ( prior to the auction ) to Shellpoint Mtg., and to their XXXX  attorneys, and to XXXX, telling them that if you must sell my house you can not " ILLEGALLY AND FRAUDULENTLY MISREPRESENT THE SQUARE FOOTAGE OF SAID PROPERTY, '' thereby denying me more than 40 % of the value. Unfortunately, all of my retirement nest-egg money was in that {$1.00} million equity. So, they fraudulently sold my house, evicted me, and threw me in the gutter. Now, I am homeless, penniless, and dying on the street. How is that fair and legal? Don't we have any rights in this country. Is Grand larceny legal? Tell me why the MURDER of XXXX  senior citizens 's is legal! Don't American citizens and XXXX   residents have human rights? Please help! I am desperate and dying. Living in the gutter will kill anyone, but it is especially detrimental to XXXX  senior citizens. I will go to a jury trial ( even if they have to carry me in ) and even to the supreme court to right this injustice. Shellpoint is liable for 100 million dollars, obviously they swindled me out of over {$1.00} million of real estate equity, but the further damage to my health and loss of my personal family heirlooms and mementos is priceless. To make anyone endure this barbaric brutality is horrifying and gratuitous torture. SHELLPONT MORT. IS A VICIOUS EVIL TERRORIST CULT! ALL OF THEIR SEDITIOUS MANAGEMENT AND ATTORNEYS MUST BE INCARCERATED! SHELLPOINT MTG. IS AN EXISTENTIAL THREAT TO AMERICA.
Product: Credit reporting, credit repair services, 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. 
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, 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 instructions.
Product: Credit reporting or other personal consumer reports

m not liable for this debt with XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

This account shouldn't have been open in 2019 without my permission. Collins assets group llc wouldn't remove this account that isn't mines.