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

I used the Capital One app to send a payment through XXXX, which I thought was part of Capital One, since it is prominently displayed in the app as one of two ways to transfer money. The icons are " Transfer Money '' and " Send Money with XXXX ''. 

My Capital One account has fraud protection, which I have used before and it has been fine. 

For this scam, the person posed as a real estate broker renting an apartment. I met him and saw the unfinished apartment, and signed a lease starting the following month. The lease states that if the apartment is not completed by the move in date that I am entitled to a refund. It was not completed by that date, but when I tried to get my refund back, the scammer disappeared. 

I later found out that he used this same scam on 13 other people, and similar scams with others in other states, by doing some research online. 

I called Capital One to report the fraud and only then did I find out that XXXX is not part of Capital One ( despite being prominently featured as the way to send money in their app ). They advised me to call XXXX. 

I called XXXX and they told me their service should only be used to send money to friends and family that I trust. This is *absolutely not* something that should be included in an app from a legitimate bank, when the bank itself offers fraud protection, and so do other legitimate payment services like XXXX. That caveat should be VERY PROMINENTLY shown, if the bank is going to use XXXX, as they must surely be aware of the risks. 

**You should need to consent that you are voiding your fraud protection by using XXXX from within the app. ** But there is no such disclosure. 

Instead, Capital One just puts XXXX in front of customers as if it is a legitimate payment method. By withdrawing fraud protection without prominent disclosure, or by featuring a payment method that doesn't have fraud protection within a bank account that does have this protection, they seem to be complicit. 

I sent {$1200.00} on XX/XX/2019 and another {$1200.00} on XX/XX/2019, totaling {$2400.00}. That was most of my savings at the time, because it was supposed to be my next month 's rent + security deposit. 

Now all I have is the email address where I sent the money. 

I'm including my " Lease agreement '' and can also send my " Lease Release form '' if needed, which was sent before the person vanished. I can also reach out to the others who were scammed on this and ask them to report it here too.
Product: Mortgage

XXXX XXXX XXXX I changed my homeowners insurance and my new company, XXXX XXXX XXXX notified PHH Mortgage. 

XXXX  days later- PHH Mortgage issued payment to my old carrier, XXXX XXXX XXXX I promptly corrected them and they issued payment to XXXX XXXX, causing a shortage in my escrow account. 

For weeks I called PHH, XXXX, and XXXX XXXX and finally came to a resolution after XXXX issued a check back to me and I called PHH and deposited the funds back to my account. 

During this time an escrow analysis was performed and my payment increased exponentially due to PHH 's error. After all the back and forth, and my insistence, a new analysis was created. The new analysis includes my taxes and insurance increasing by $ XXXX and PHH tacking on an additional $ XXXX on top of that " per my mortgage agreement stipulations. '' My mortgage was sold to PHH after we closed in XXXX  and in reviewing the original Deed of Trust documents, I determined there was no grounds for such an exorbitant increase and wrote the following email to them twice, which they never responded to : " I reviewed my recent escrow analysis and noticed that while my actual escrow costs ( taxes and insurance ) are increasing by approximately {$49.00} per month, PHH is also requiring an additional {$56.00} per month for a cushion. This means the cushion alone is 114 % of the actual increase in escrow costs, which seems excessive. 

After reviewing my original Deed of Trust, I see that my mortgage agreement does not stipulate the need for an additional cushion beyond what is required for escrow items under RESPA. Additionally, the sale of my loan to PHH does not allow the terms to change without my direct written consent. Please provide a detailed explanation of how this cushion was calculated and how it complies with RESPA limits. 

Also, I have not received a copy of the updated escrow analysis. Please provide a copy at your earliest convenience. ''
Product: Checking or savings account

I filed a dispute with 5th 3rd for a purchase I made on XX/XX/XXXX something for {$31.00} to XXXX XXXX  They gave me a provisional credit until they investigated. I received a letter in the mail that they were retrieving the credit as the seller provided proof that I received the product. Never did they say let 's discuss further or tried to get my side of the story. 

I made a purchase with XXXX XXXX sometime in XXXX. When checking out a used the XXXX XXXX to expedite the check out process. After the payment for the {$31.00} went through, I noticed that it had the wrong address showing. So I looked on the website there's no phone number only an email address. I immediately emailed them, till this day I still haven't received a response back from them. 

I waited to see if I would get the package since it was my old address and I had a forward to my new address in place. All it stated that they placed it in the mailbox. I immediately called my old landlord and basically the new tenant refused to give me the package. 

I called the post office and put in a claim and they stated that they'll go and retrieve the package they were unsuccessful. 

Please see all evidence.
Product: Credit reporting or other personal consumer reports

So basically I have been sending letters for 6 months and they all have been rejected, I ask Lexus Nexus to Remove the Bankruptcy, they used a public online system to research, not Verifed some information. Not acceptable at all I also have the company responding stating that dont furnish, nor verify any information.
Product: Student loan

I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why
Product: Checking or savings account

The bank refuses to provide me any records and requests that I go into the bank to fill out forms in order to get such information. I work full time and do not have time to go into a branch. I have communicated this with the bank. 

I had a business checking account and a personal checking account with bank of the west. I use my personal checking account to pay bills through. I deposit money by check into my checking account to cover upcoming expenses. I currently have collection activity in the amount of $ 800+ in fees from bank of the west. 

What has caused this are all of the fees imposed by the bank, because it appears they intentionally withheld a check deposit. This was a check from a source that I regularly deposit from. There was no reason they could provide me on why the funds were held and it appears that they withheld the funds to collect account fees. Coincidentally, the day after the fees appeared on the account the check was cleared and my account was negatively drawn. Every member at the bank that I spoke to would not or could not provide me with any answers. In fact, the bank members told me that the deposit was received 24 hours after I went into the bank.
Product: Credit card

I've consistently made sure payments on this account are on time, preventing any overdue instances. I'm uncertain about the cause of late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - The TransUnion and XXXX account numbers are not matching and are to be deleted. 
Per 15 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching.

I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to resolve disputes via XXXX. XXXX  and XXXX  : Adverse account : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance : XXXX dollars.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credits report. 
XXXX ) XXXX  XXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX XXXX open XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XX/XX/XXXX, account XXXX XXXX ) XXXX XXXX. Account : XXXX ********** *** Your company is in clear violation of the law. Under 15 USC 1681b - And under 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,, The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. Please update and delete late payment under 15 USC 1681s-2 ( F ), thanks
Product: Checking or savings account

I am filing this complaint regarding the unjustified withholding of funds by Chase Bank. I deposited a validly endorsed 3rd party check into my checking account on XX/XX/2024, but dispute my account being placed on hold and then closed, Chase Bank has continued to withhold the funds without legal basis and explanation. Despite the check being processed and cleared, Chase Bank has refused to verify and identify the endorser/payee with government issued identification ; thus has failed to make the funds available, causing significant financial hardship. 

Repeated attempts to resolve this issue directly with the bank have been unsuccessful. The withholding of funds appears to violate federal banking laws and regulations, such as Expedited Funds Availability Act, the Bank Secrecy Act and Patriot Act ; I am seeking resolution through this complaint.
Product: Credit reporting or other personal consumer reports

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 Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear, XXXX XXXX XXXX XXXX am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report:1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested three times for Trans Union to verify through the physical verification of the original signed consumer contract and three times the response from Trans Union has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Trans Union is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report.

As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report.

This is my forth request that Trans Union provide me with the requested consumer contract or delete the information. 
I am demanding that Trans Union comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and delete the following accounts from my credit report : XXXX. XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4.  XXXX Acct # XXXX Trans Union is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error recently found on my Experian credit report. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The inquiry listed below is not related to one of the allowable purposes from The Fair Credit Reporting Act. The inquiry that Experian is reporting on my credit report is as follows : XXXX. XXXX XXXX XXXX I requested for this inquiry to be deleted from my credit report immediately. If this company says that they have pulled my credit report with permission, I exercised my legal right and requested for verification by Experian to include : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they said that I gave permission. 
3 ) Method they said that I gave permission. Please include documentation of said permission. 

Experian did not follow the law as required by the FCRA. As of the date of this complaint, Experian did not verify any of the above items. They sent an email response that required me to log in to a website. The response from Experian on that site to my request to delete this inquiry was that it was updated and the update was credit granted which is incorrect. This is not an appropriate response per the FCRA and is a blatant violation of this law. How are they allowed to do this? 

I need assistance to get this inquiry deleted from my Experian credit report immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Mortgage

This is our 7th or 8th complaint, with no answers to our questions. We were ask by the CFPB to make another complaint asking more specific questions. 

We went to Bank of America for a modification loan : Why so many different representatives for one loan? 
Do you ever give said loans or do you just keep on giving said application to different representatives so that the loan will never go through? 

After NO help with modification loan. We put our home on the market to prevent a sheriff sale. Bank of America was told that our home was put on the market and we were told the all sheriff sale procedures would be stopped pending sale sale of our home. 

Why then was a sheriff sale notice posted on our front door 2 and a half months later? 
( with Bank of America knowing we had a buyer and a closing date ) Do the ever do what they say? 

At this point our attorney asked the Bank of America 's attorney to cancel sheriff sale due to the fact that we had a buyer and a closing date : Why then did their attorney deny said request? 

This caused our attorney to obtain closing amounts from the sheriffs office, which was done. 

Why did Bank of America request an additional {$6100.00} above the amount supplied be the sheriff 's office? 

We closed on XX/XX/XXXX. The check were sent to proper destination per sheriff sale protocol. 

What happen to the closing check for 11 additional month from closing date? 
Why did it sit somewhere when there attorney 's office was supposed to have things under control? 
Why did it take them 11 months to fix the problem that Bank of America started all the way back with there lack of competence with processing the modification loan? 
Why did they offer us said modification loan in XXXX, 5 months after we sold the house? 
Why did it take Bank of America and their attorney 's 11 month to find and cash the closing check? When it was Bank of America and Their Attorney 's that started said sheriff sale!! 

I called Bank of America every month after receiving delinquency notices for a house we no longer owned. I was told that that our mortgage was still open and they would look into it. This happened every month for 11 months!! 

Why did Bank of America do NOTHING for those 11 months? 
After all this why will Bank of America take no blame for all the financial difficulties our family has been going through? 

If they did nothing wrong!!! Why are they REMOVING 3 months of delinquency from our credit report? 
Why not remove all 11 months? 

It is quite obvious that Bank of America had their hands in our financial problems, THEY sure did nothing to help!!
Product: Credit card or prepaid card

I opened a JetBlue credit card through Barclays Bank. All was fine except in XX/XX/XXXX while I was out of country XXXX/XXXX charged me for a purchase that was made in XX/XX/XXXX. In XXXX I bought 4 tickets on XXXX XXXX to XXXX, trip was from XXXX XXXX XXXX This charge showed up on my account in XXXX statement which was paid in XX/XX/XXXX. The 2nd duplicate charge in XX/XX/XXXX is what XXXX/XXXX is refusing to remove from my account. I have contacted XXXX XXXX and they have confirmed in writing and in conference call with XXXX that they have not initiated this charge. 
The duplicate charge was disputed XX/XX/XXXX, I returned from my trip on XXXX, after going through my bills I had noticed the charge, I disputed it right away and XXXX assured me that they will take care of it. Around that time due to COVID -19 everything was shutdown and finally when I'm able to contact XXXX and ask about the charge they are refusing to reverse it and continue to tell me that this dispute is escalated to higher management and I keep getting letter and harassing phone calls to pay minimum due on the account. In the time, I have talked to at least 50 different relationship managers at XXXX and every single time I'm told how sorry they are that this has happened to me and they will escalate to whoever and take care of it. 
Now XXXX has sent this to collection and I have started receiving harassing phone calls from Financial Service company that XXXX contracts out to solve their collections. 
I have never been late on any of my payment and this has impacted by credit score by at least 100 points. 
I don't know at this point I'm so frustrated and don't know who to turn to resolve this matter. 
Hoping to get this matter resolved. 
XXXX XXXX