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

On XX/XX/XXXX, I visited a Capital One " cafe '' branch in XXXX XXXX, XXXX, MA in order to resolve a freeze that had been placed on my saving account 3 months prior. ( I filed a separate complaint about this issue earlier today ). 

As I spent months trying to resolve the issue with Capital One, and they still would not remove the freeze on my account even when I went to this branch in person to verify my identification today, I demanded that they return my money from their savings account ( {$15000.00} ), which I had transferred from my bank account on XX/XX/XXXX. 

The Capital One representative told me they could not send the money back, would not explain why, and said I had to get the money back by going to my bank and asking them to retrieve the funds from Capital One. 

In essence, Capital One has held my money in this savings account for 3 months, have given me NO interest on it ( they advertise 3.4 % APY on this account ) and is not sending my money back to my bank account from where it came. I feel they are holding my money illegally. 

I have attached a bank statement which shows the {$15000.00} transferred out of my other bank account ( XXXX XXXX XXXX ) to Capital One on XX/XX/XXXX. 
I've also attached XXXX statements from XXXX and XX/XX/XXXX by Capital One showing the money in my savings account there and zero interest accumulated. 
Capital One has not provided me a XX/XX/XXXX statement still for this account.
Product: Credit card or prepaid card

On XX/XX/2021, I received a prepaid card in my name from Netspend XXXX, XXXX. Unlike other debit or credit offers, this card already has my name printed in the card with a full, real debit card number and expiration date. It also had a bank account and a routing number attached to my full name and address. This was not requested by me. The attached material states they have the right to use my personal information, including my social security number with their partners and non-affiliated institutions for marketing purposes. It also states that I am unable to stop sharing that. It specifically says when you are longer our customer, we continue to share your information as described in this notice. I never requested to BE a customer, but now they have the right to use my information however they want, forever, because I called to cancel and close this account that I never opened. I got a confirmation number from them regarding this, stating they have closed it. However, I still want to report this. They fraudulently added my personal information to an account, unauthorized and unrequested by me. Had someone else gotten this card in their mailbox by accident, they could easily activate the card and use it fraudulently, potentially implicating me in some kind of crime or scandal in the process. This is NOT okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.
Product: Mortgage

on XX/XX/year> my bank XXXX XXXX XXXX wired the pay off amount to NewRez mortgage company of {$230000.00}. This amount has still not been recorded in my account as received and I keep getting late payment calls. My bank has proof of Money being wired and received by NewRez. We have communicated via email to someone at NewRez ( they refuse to talk to us over the phone in the loan servicing department ) and they keep saying the are looking in to it. This has been almost 2 months and I don't know where my money is or whats going on. They only communicate with me or my bank every few days and its very vague.
Product: Debt collection

I have 4 private student loans serviced by American Education Services. 3 held by NCT and 1 that was with XXXX and apparently has been sold to XXXX but is still serviced by AES. After falling behind on my loans, they were sent to different collection agencies ( XXXX XXXX XXXX XXXX ). I recieved a debt collection letter from these agencies ( XX/XX/XXXX andXX/XX/XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then AES continued to try to collect the debts. I then sent them a letter onXX/XX/XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). OnXX/XX/XXXX I received a letter from AES regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 NCT loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.
Product: Debt collection

I received an email on XX/XX/2020 stating I owed an outstanding balance of XXXX ( higher than actual amount owed ) and that the 'law firm would settle for XXXX '. Then stated if I do not respond to the email in 72 hours they would, garnish my wages, contact my employer and ftc. 

I responded back by asking for a debt validation & what kind of payment plans they offer. They stated it was from ACE loan online and I could pay a one time payment of XXXX paid in full by friday XX/XX/2020. I again asked for debt validation and I received a response saying I could pay {$850.00} today or 2 'payment of XXXX from today.. ' and " if you are looking for the payment arrangement then you can pay in five installment of {$280.00}, kindly update us the date from which you can start making payment. Do revert ASAP '' I again asked for debt validation then received an email addressed to XXXX XXXX stating if he wanted to pay his debt he had to get a vanilla prepaid card and load the funds onto that card and email it to the law firm. 

Becoming suspicious I again asked for debt validation, and I received an email stating that once the payment will go through they will close the case file and provide a receipt stating paid in full. 

I then emailed them stating I would not reply to any form of communication if I did not get a physical copy of debt validation. I stated I would be reporting them to the FTC, XXXX  and the CFPB. 

I then received the following email " We're Sorry! We cant disclose if you want to see documents then you need to help me out with your attorneys information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things into your local county courthouse. we're not denying that you will not get anything once your file has been submitted for garnishment then we will manage to send soft copies of your documents at your physical address but at this point, there is no way to help you with Date 's and Time. Do revert ASAP Thanks & Regards XXXX XXXX XXXX XXXX '' I responded by stating that their email was reported as a scam to extort money from induviduals and I was forwarding it to the places I stated in previous emails. I then told them if anyone would garnish my wages or attempted to access my bank account that I would close it and put a stop payment. and since they are not validating the debt I have no reason to believe anything stated in the emails. They have refused to validate the debt.
Product: Mortgage

I have a loan with Pennymac Loan Servicing, I have not ever missed a payment. Each time I call they tell me that I am missing a months payment, I have contacted them several times and they can not tell me where the breakdown is, and I have also sent in bank statements, and letters on bank letterhead stating that ALL of my payments have been made and not one has been returned unpaid. I need assistance with this issue. They are reporting that I have missed payments every month, and late charges.
Product: Credit card or prepaid card

I made a purchase using my CashApp Card for XXXX on XX/XX/19 and the amount was {$190.00}. As soon as I placed the order with XXXX the order was cancelled immediately. I have spoken to the merchant in regards to the pending hold on my cashapp card but they have informed me that they have already released the funds back to my card. 

I have tried to contact CashApp about this and to have them release my funds back to me but they have been rude hanging up on me and they have refused and denied me to speaking with a manager. 

I have even emailed a manager from CashApp and offered to give them the auth code and transaction Number that shows that the funds were sent back and they refuse to look them up or even gather that information from me. 

I need help getting my money back since CashApp is refusing to help me.
Product: Money transfer, virtual currency, or money service

Company : XXXX Date : XX/XX/2018 All my XXXX tokens were stolen by XXXX. I have screenshots from my account transaction history of my tokens being transferred to XXXX. The tokens were not transferred to a wallet. This transaction was not authorized by me. I purchased these tokens on XXXX exchange and then it was randomly taken by XXXX. Ive filed multiple cases with XXXX with no response on their end. I ask for updates and just get generic responses saying they are looking into the issue and then nothing further happens. 

Amount : a little over XXXX XXXX tokens
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report from Experian XXXX for XX/XX/XXXX. 

Inquiry was made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. No phone number was given. 

Letter sent XX/XX/XXXX to the company requesting why they obtained my credit report. The company has not responded. 

I do not recognize this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past seven years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.
Product: Credit card or prepaid card

Bank of America agreed to make a settlement on my account for 60 %. After my payments I received a letter stating the settlement was satisfied, paid in full. My online account for the company was taken down. Today I received a letter stating that the settlement is void because the payments were made as agreed on. I never once received a letter stating my account was opened again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Fair Credit Reporting Act 15 USC 1681 section 602 a states 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 XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX and XXXX do not have my consent to report my information, any and all consents whether verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this account is reported as a charge off, according to 15 USC 1681 and the Privacy Act of 1974 recognize charge offs as certificate of indebtedness, that is considered income and income is not reported on credit reports and must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not inform me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), 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 This account is an adverse item they are reporting again without my permission which is against the law. Remove all hard inquiries. According to 15 USC 1681b They need your written consent to add anything to your consumer report if you did not give the authorization that is a violation of the Fair Credit Reporting Act. 15 USC 1681s-2 ( A ) ( 1 ) A States 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Debt collection

Resurgent Capital Services continue to harass me ( Ref # XXXX ) dated XX/XX/2020 requesting personal information & {$910.00}, after I stated " CEASE & DESIST '' immediately in my letter of XX/XX/2020 & filed a CFPB complaint. 

As stated in numerous letters to Resurgent Capital " I disputed this debt & do not have any responsibility for the debt Resurgent Capital is attempting to collect. '' " STOP all communications with me and RECORD that I dispute this claim. '' " CEASE & DESIST '' immediately. 

They ignore to " CEASE & DESIST '' request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I've been in contact with XXXX, Equifax, and XXXX  in regards to a medical collection account reporting under the name of XXXX XXXX  located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that was dated XX/XX/XXXX that I was approved for credit in which I did not apply for. I called Equifax about the hard inquiry and was told I cant dispute it and XXXX XXXX XXXX would have to remove it. Ive been talking to XXXX XXXX XXXX since XX/XX/XXXX along with Equifax to get this removed with no luck. Ive spoken to XXXX XXXX XXXX theft and identity along with numerous other departments with no luck. XXXX XXXX XXXX does not have accounts for me and they are telling me they didnt run my credit. Equifax told me theres nothing I can do about it. As a consumer how can I just sit and allow a credit company put something on my credit that is not true. My last conversation with Equifax this morning resulted in XXXX a supervisor telling me that XXXX XXXX XXXX denied me credit that is why I have a hard inquiry. I again explained to her that I did not apply for anything with XXXX XXXX XXXX. She said obviously you did and they decide you thats why you have an inquiry on your credit. I am the consumer and this is false information being reported about me and I will not stand for it. XXXX went on to explain that any hard inquiry on your credit is a denial of credit. I find it hard to believe someone who is supposed to be a supervisor at Equifax would say some like that.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AXXXX 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 no authorization improper reporting. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and/or not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card

Discover was made aware of fraudulent charges on my card at the time I was told investigation was completed on the account and charges were charged to me that were not made by me. the XXXX XXXX XXXX XXXX was made aware of the identity theft on my account. I have called discover and provided the case number XXXX and the deputy 's name h. hayes XXXX they have set up a payment plan and have not resolved the fraud my limit on this card is only {$3000.00} they allowed the identity thieves to charge an additional {$2500.00} to leave me with the balance of {$5000.00} to pay to the company. THE ONLY AMOUNT THAT I OWE IS {$3000.00}. This has caused a hardship and ruined my credit reports. Discover also wanted to closed my account for no fault of my own.
Product: Checking or savings account

XX/XX/XXXX M y brother XXXX XXXX opened an account with the previous Bank Washington Mutual, which later became Chase. He opened the account when he was attending XXXX  University. He provided my mother with Power of attorney several years ago if he needed to close the account or make other changes. 

A Chase Bank officer told us at that time that it was fine to leave a power of attorney. I downloaded the form, and we filled it in. We went to the Bank and were told the form was fine. My brother XXXX XXXX XXXX wants to close the account., somehow now Chase Bank is not accepting the Power of attorney. 

Due to Coronavirus restrictions, my brother could obtain any legal document in XXXX to send here to close the account. People are dying every day, and my brother has an XXXXXXXX XXXX. He needs the money to live for six months. 

On XX/XX/XXXX, the Chase Bank rejected the Power of attorney because of the wording. I got the official Power of attorney form provided by Chase. One of the officers helped us to fill in the form. I scanned the form and to my brother. It took my brother several weeks to notarize the document due to COV 19. He scanned the document and sent it to my email. I took the document to Chase. They rejected the document provided by the bank again. The lady told my brother has to take the document to the USA Embassy in XXXX. This request is ridiculous. My brother used Chase 's form, it was notarized by XXXX standards, and It was rejected. 

They do not want to allow my mother to close the bank account on behalf of my brother. 

My brother can empty the account of Chase will start charging him {$15.00} each month for not keeping a minimum My brother lives in XXXX, XXXX where the COV 19 is causing many deaths. He does not live his apartment. He needs to close this account.
Product: Student loan

I graduated college in 1996. I have been paying on my loan since then but when I ask for back loan history of payments no one can provide me with this information. 
At graduation I owed XXXX. Its now 20 years later and I owe XXXX. How is this possible? I have paid off two cars and a house in this time frame. Every avenue I go down is a dead end of government XXXX. I know I have been paying on this loan b/c it comes out of my checking account automatically. 
I would like to know how I can see my entire loan payment history starting from 1996.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I tried to contact TransUnion to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a cash app account under XXXX XXXX $ XXXX it first started in XXXX of XXXX when XXXX dollars was taken out my account didnt know how it was there no one has my account now XXXX of XXXX I woke up about 2 days ago saying my email has been changed and number and XXXX still unable to login I have created a new cash app in the meantime but I tried to use my card it declined I get my checks and fellow peers money on that account lost about XXXX dollars in this tragic case