23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing this complaint against US Bank on the year of 2021 I had opened a U.S. Bank for my upcoming XXXX XXXX. For months I never had and problems with any money transfers or etc with the checking account that was opened with US bank. Many times before this money transfer that was made to me from my brothers Bank of America account in the amount of XXXX was posted and completed to my account on the date of XX/XX/2021. That following day I tried making transfer to my Apartment management to make a payment towards my lease and it was declined when looking into it I learned my account was frozen and would not be able have access to my funds or account into further notice. I then received a letter in early XXXX stating my account was going to be closed due to suspicion with fraud, any balance that was in my account was to be mailed to me in a cashiers check. 2 weeks later I received a check for XXXX cents, confused I was because I shouldve have had still the deposit that was deposited into my account for the amount of XXXX. So where was my money and how can they do that to me? Customer service reps werent able to let me know the reason as to why or where my money had gone or why they were holding it so they asked me to go into the branch I opened up my account originally from so I did branch location ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) they also said my brother with his ID and bank information would be a good idea to have with me as well to confirm the deposit wasnt or had nothing to do with any scam or fraudulent transaction when I got to the branch I asked to speak to the manager and she was very rude to me since the beginning of my visit she did not want to hear anything I had to basically say from my end and basically told me those funds were moved into an account that I wouldnt have any access to and that money was basically never going to be released to me I asked why or if that was even legal for them to do that? They had no reason I had every bit of proof to show my transaction from that transfer had nothing to do with any fraud but she did not care to hear me at all and said to take it as a lost. For years now or a year now I have been trying to find some type of help as to why my money was kept because of this incident I have been struggling financially and am now homeless my brother and I had to go through many obstacles because of this incident and I dont know how I still have not been given any details as to where and why those funds never where paid to me anymore. My brother also tried to file a claim on his end saying the transfer was never received by me because the bank was holding it from me but Bank of America came to the conclusion that there was no need for them to dispute anything with that transfer because the transfer was made and it reached the destination it had to from there end.
Product: Credit reporting or other personal consumer reports

To : { XXXX, XXXX, XXXX, AidAdvantage to include any other reporting agency! } Subject : Request for Removal of Student Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been XXXX by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my student loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of student education records. As my student loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a student borrower.

2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from students before disclosing their education records. If my student loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly.

3. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of student records, I kindly request that you investigate the reporting of my student loan debt and take necessary actions to ensure that my rights under FERPA are upheld.

I request that the Consumer Financial Protection Bureau review the reporting of my student loan debt in light of FERPA and take appropriate measures to address any potential violations of the law.

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required.

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Equifax needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Equifax three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Equifax to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have "  asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Equifax has reported in error and for Equifax to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Product: Checking or savings account

For months, since we opened the bank account late last year, we have been restricted/prevented from depositing funds into our new checking and/or savings account arbitrarily by Chase Bank. Sometimes they would prevent XXXX or XXXX deposits, XXXX deposits, wire transfers, cash, checks, even merchant account deposits. The reasons that Chase Bank would give us were both bizarre and nonsensical, and they always asked for something more as if they were deliberately trying to either provoke us, or fail, or get late with a response. One of the last items they required was a copy of our lease agreement with our current office space at XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  NY XXXX that we have been occupying since XXXX XXXX XXXX years ) but wherein we have a special relationship with them because it has always been an " auto-renew lease agreement '' since it s not a landlord-lease agreement but rather a " service agreement '' more akin to a hotel ( new trend, because they also accommodate virtual offices as well as physical tenants offices such as ours ). So now, these monsters at Chase Bank, rather than fix or ameliorate our problems with the above arbitrary and capricious refusals to allow us to deposit or become stable with our bank accounts, have instead decided to arbitrarily and capriciously CLOSE our bank accounts today, via email, on a Friday no less, when we can do nothing as the weekend now approaches. What makes matters worse is that we have incoming deposits on the way en route, and they did not even provide us with a reasonable window period or 30 day notice so that we can make arrangements for incoming and outgoing bill payments. This is the height of bank irresponsibility, cruelty, unprofessionalism, criminality. Please open a case, investigate, and advise.
Product: Credit reporting or other personal consumer reports

My mortgage loan with Shellpoint NewRez was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled the application but they STILL pushed it thru WITHOUT MY knowledge.My credit is reporting I have the amount available WHICH I DO NOT they refuse to remove it from my credit.SO OVERALL the amount they say I have is a fraud..I DO NOT HAVE THIS ACCOUNT or have any credit amount from them
Product: Debt collection

I reached out to the collection agency ( United Revenue Corp ) in a attempt to VALIDATE tarnishing information thats reflecting on my credit reports. Its my right as a consumer to take this step and theyre simply not willing to cooperate. I would like to see supporting documents that lawfully binds me to these alleged debts. Which is a total of 3 collections reflecting on my credit reports. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Product: Checking or savings account

I bank with Chase Bank. My account is a business account. We use bill pay to pay vendors on this account. 

On XXXX I sent a check to a vendor, XXXX XXXX XXXX XXXX XXXX XXXX. This check was for {$650.00}. ( a copy of the actual check and information is attached ). 

The payee on the check is correct, as is the mailing address for the vendor. 

The check never arrived to the vendor. Someone stole the check before it arrived. They then took that check to their bank, signed the back of the check and cashed the check. Their bank honored the check, even though the person who signed the back of the check IS NOT the payee. 

After that, Chase paid out the check and debited my account. 

This check was stolen and then fraudulently cashed with a name that does not match the payee. 

I notified Chase bank months ago. First I spoke to their fraud department who told me they would not be able to take care of the fraud. I did not agree with this, in fact I was furious, that they honored a stolen and then improperly endorsed check. They sent me a letter stating this and saying As we discussed and agreed I NEVER agreed to this. 

So I went into a bank branch to speak to a manager, XXXX XXXX, XXXX XXXX. In her office she looked into this and assured me that the check fraud indeed would be honored by Chase and was successful in getting my account reimbursed within the same day or two. This was on XXXX and I also got a letter from Chase on this. It said we get credit and that if they determine that the transaction was authorized or correct they would reverse the credits. Of course, as explained, this was NOT authorized, and it was not correct, it was a stolen check, with an incorrect endorsement signature that doesnt even match the payee. 

The fraud department did ask for me to fill out an affidavit which I did, with all supporting details. ( that information is attached as well ). Also, the payee on the check ( my vendor ) filed a XXXX fraud complaint and also communicated with her bank to prove she did not get the funds, etc. 

Since this time, I received another letter on XXXX stating that the transaction was authorized and that they are now removing the credit. 

I would like to make a formal complaint about this. I have been mistreated and from the documents provided it is clear that the check never was received by the vendor. Someone stole the check and then fraudulently cashed it. Both their bank AND Chase honored the stolen and improperly endorsed check. 

I expect Chase to honor my claim. Thank you in advance for your assistance on this. 

Attachments Copy of check sent with unauthorized signatory on back of check XXXX email from my vendor ( the payee ) from her bank confirming the check was never received XXXX letter from Chase stating they wont honor fraudulent check reimbursement XXXX letter from Chase stating that they will honor fraudulent check reimbursement XXXX email to Chase with all the information they requested on the fraudulent check XXXX letter from Chase, stating they wont honor the fraudulent check reimbursement
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Product: Mortgage

RESPA SETTLEMENT PROCEDURES ACT Fairway independent mortgage company, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX  all failed to disclose information on this property, seller 's failed to disclose home repair stating the property was fully renovated and was not, appraisal was fraudulent because the company that we were charged 3 times, closed in XXXX, seller 's owed property taxes in XXXX from XX/XX/XXXX until XX/XX/XXXX and their amount was to be made inform of a cashiers check on XX/XX/XXXX and County treasury office said a check in the amount {$1400.00} was sent in by corelogic escrow company and paid by XXXX XXXX XXXX, and all 5 played a roll in predatory lending, this home after having our home inspection done is not worth the said listing price of {$150000.00}. Sellers told XXXX XXXX XXXX XXXX  that the full renovation was done XX/XX/XXXX after they bought the home 2 months ago for {$35.00} or {$38000.00} without any documentation that shows and supports this. This is misrepresentation in real estate transactions and theft by fraud done by all parties that represented the sellers and Fairway independent mortgage company who failed to protect the borrower, they took advantage of a 1st time homebuyer of the XXXX race and placed a XXXX family in a unsafe and unhealthy home. And committed fraud and abuse of the federal housing administration fha program
Product: Checking or savings account

am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I had someone that took my card and made a bunch of unauthorized charges. I tried to deal with the company that did that first before I dealt with the bank. I called the bank. I did my claims they gave me a temporary credit for the claims and then close my account, the next day after temporary credit with fun in there has been over two weeks. They will not return my money because they said theres a claim open. I dont understand and they said it wasnt fraudulent that they told me they will not give me a reason they decided not to do business with me anymore.
Product: Debt collection

On XX/XX/2021 I received a phone call stating XXXX XXXX XXXX XXXX XXXX was attempting to serve me with paperwork that they were taking me to court. They stated that unless I paid their settlement amount or agreed to enter into a payment arrangement of {$200.00} per month for 10 months they would sue me in court. Also stated that they have a tax return offset against me and were in the process of filing a wage garnishment with my employer already. The debt was for {$1000.00}. I have paid a settlement offer with the collections company that is listed on my credit report, XXXX XXXX XXXX XXXX, when I spoke to the representative there, they stated that they have not heard of the other company, and that it is illegal for them to state that they have a tax return offset and that they were filing a wage garnishment form with my employer without a judgement against me. I contacted XXXX XXXX, who stated he is the manager of XXXX XXXX XXXX XXXX XXXX, today XXXX XXXX at XXXX XXXX PST and he stated that the collections company does not own the account even though they are the only one reporting to my credit reports and that they are going to serve me with papers and that they have the legal right to pursue tax return offsets and wage garnishments prior to a judge hearing the case. The phone number for XXXX XXXX XXXX XXXX XXXX is XXXX.
Product: Mortgage

On or about XX/XX/XXXX, we obtained a HELOC with GMAC. 
On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off. 
Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC. 
XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33. 
Our first ( 1st ) mortgage is with XXXX XXXX XXXX  and is escrowed for property taxes and insurance. 
We inquired with XXXX XXXX XXXX  to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX  did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX. 
Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers. 
We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I I'm filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ) .specifically.cash app failed to take timely and effective measures to pervent and address fraud on their platform. Leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS VIOLATING MY PRIVACY WITH INQUIRY.