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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unresolved Issue with JPMorgan Chase & Co . 

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance and urgency regarding an unresolved issue with JPMorgan Chase & Co . I have encountered significant difficulties in my attempts to retrieve funds held by Chase, and I believe that my rights as a customer, as well as banking regulations, are being violated.

The issue in question pertains to a cashier 's check that I deposited into my JPMorgan Chase account. The cashier 's check was issued in the name of my brother, " XXXX XXXX, '' and I had explicit authorization from him to deposit this check into my account. Following the deposit, I requested that Chase return or issue the cashier 's check to me, but the bank has been uncooperative and has failed to resolve this matter despite numerous attempts at communication. 

I initially provided my brother 's phone number to Chase as a means of verifying his authorization for the deposit. However, the bank refused to contact him through the provided number, claiming it was not registered with major carriers such as XXXX, XXXX XXXX XXXX, or XXXX. I explained that my brother uses a prepaid phone plan, which is likely the reason his name does not appear in these databases. I suggested that Chase contact XXXX XXXX, the issuing bank of the cashier 's check, to verify my brother 's name and information, but this alternative was also rejected by Chase. 

Chase 's insistence on only using a phone number registered in my brother 's name is highly suspicious and raises concerns of potential fraudulence. The bank 's failure to explore alternative means of verification, such as contacting XXXX XXXX, is both frustrating and inexplicable. 

I have also lodged a complaint with Chase regarding this issue, and the complaint number is " XXXX. '' I trust that you will find this complaint in your records, and I hope that this information will assist you in addressing this matter more effectively within Chase 's internal complaints system. 

I believe that my rights as a banking customer are being violated, and this situation is in clear contravention of banking laws. The inability to access my own funds, despite having provided all necessary documentation and authorization, is both unreasonable and unjust. I kindly request your assistance in resolving this matter with Chase and ensuring that my rights are upheld, and banking regulations are adhered to. 

I appreciate your prompt attention to this matter, and I look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX for any further information or clarification required. 

Thank you for your assistance in this regard. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers are required to provide complete and accurate information to credit reporting agencies. Reporting an incorrect or inflated amount, particularly after a charge-off, constitutes a violation of this statute. If the balance includes fees, interest, or charges that are unlawful or inaccurately represented, it must be corrected or removed from my credit report.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ), debt collectors are prohibited from making false or misleading representations about the amount, character, or legal status of a debt. If the reported amount includes unlawful fees, interest, or other charges, it is a violation of this federal law. My rights have been violated under the Fair Debt Collection Practice Act and Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2
Product: Credit card or prepaid card

On XX/XX/2022, I received at statement from Capital One for my XXXX credit card with a balance of {$740.00} and a due date of XX/XX/2022. 

It is my custom to pay the card balance in full each month so that I avoid interest charges. On XX/XX/2022, prior to XXXX, I attempted to make the payment but could not because the Capital One app was malfunctioning. I was eventually able to make the payment of {$740.00} ( my full balance ) but not until after XXXX. I called and spoke with XXXX around XXXX who informed me that because I called and made them aware of the situation with the app that I would not be charged and that if I was charged I could call back they would remove the charges. 

On XX/XX/2022, I received a statement from Capital One which included an interest charge of {$49.00} and a late fee of {$25.00}. This is despite me having paid my entire balance of {$740.00} on the due date. I called Capital One and requested that the interest and fees be removed as I was instructed and was told that I did not " qualify for a waiver ''. I then spoke with supervisor XXXX who told me that she would not be waiving the fees. I feel that it is unfair and deceptive on the part of Capital One.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take time and effective measures to prevent 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 regulation 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

I have tried on line to freeze my credit with Experian and also tried calling them. The other 2 credit bureaus allow freezing my credit on line which Experian is not presently allowing and when Experian was called the phone system said they were experiencing difficulty and hung up.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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: Debt collection

I disputed the debt through all 3 credit bureau 's, and it is still on my credit, I Have never heard of this company nor have i did business with the company, I asked for a contract that was signed between me and the company, and they did not have one. I do not owe this company
Product: Checking or savings account

It happen on XX/XX/XXXX I went into my mechanics shop and at that point the transaction was handled through debit card for {$850.00}, at that point the machine that he was using did not process the transaction on his part. The amount that was charged was withdrawn out of my account on my end through credit. Afterwards a week later I filed a complaint and the amount was given back to me rom my banking institution. From that point I withdrew that same amount cash from an ATM. The transaction that was postpone was resolved on my end with the mechanic in cash. From that point I was notified that the amount was taken out of my account again. The bank claims to request additional information in regards to the complaint. The dispute is still under investigation and I have no been given an update as of today. A week after the investigation was complete the money was credited back into my account for a second time. From that point on nothing was needed from my end or the company did not request any information. During the early XXXX period I received a notification about my account being over drawn for a third time. At that point at the third over draft statement I requested information for the over draft again. The bank claimed they called me a week prior to discuss more information needed. Despite this I submitted documents to re open the claim, and they claim to have been investigating the claim for months as well as lie to me about the outcome being in my favour in early XXXX, it is now late XXXX and still that claim is not reflected. Im now at a point where they are detailing about putting me in negative standing for not providing a receipt from the initial transaction date of XX/XX/XXXX, the problem is no receipt was printed because the transaction was declined on the machine, but I was the one who had the money taken out of. XXXX XXXX XXXX XXXX with a poorly functioning car, XXXX jobs, and in college, the bank cant possibly expect to not only lie to me over and over about the outcome but pay out {$1600.00} for funds that I already paid for. Need to speak to a higher up immediately.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Equifax for Failure to Conduct Proper Investigation of Credit Disputes To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Dear CFPB Representative, I am writing to file a formal complaint against Equifax for failing to conduct a proper investigation into inaccuracies on my credit report. I have previously submitted disputes with supporting documents, yet Equifax has not provided adequate proof of how they verified the information. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies thoroughly investigate disputed information and ensure maximum accuracy in their reports. 
I am requesting that Equifax delete any information that can not be properly verified and provide clear evidence of their verification process. Failure to do so will compel me to take legal action against them locally for non-compliance with federal law and for failing to conduct a reasonable investigation, as outlined in the recent CFPB action against Equifax on XX/XX/year>. The CFPB found that Equifax ignored consumer evidence, reinserted deleted inaccuracies, and provided conflicting information about investigation outcomes. 
I trust the CFPB will ensure Equifax is held accountable for these violations and that they comply with all federal regulations regarding credit dispute investigations. I am attaching relevant documents to support my claim. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Mortgage

We went into the sales process and North Carolina State Employees Credit Union suggested we go into forbearance. We were approved and three months went by in good standing. We were then counted as late when we were told we were still being eligible under forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Equifax multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.
Product: Mortgage

I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts. 
When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX  passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Capital One Payment History The payment history that is reporting from Capital One Mortgage is incorrect. 

Capital One transferred the mortgage to XXXX in XX/XX/XXXX. 

Prior to the transfer a forbearance/modification with Capital One was in place to correct the payment history and clear the matter. The agreement with Capital One was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted Capital One in XX/XX/XXXX to request relief due to the flood. Capital One created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and Capital One initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later Capital One denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX/XXXX. We called Capital One and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX. 

However, Capital One did not hold up their end of the agreement. We contacted Capital One several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by Capital One. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Product: Credit card

Barclaycard contacted me in XX/XX/XXXX and asked if the charges on my account were authorized by me and I said no they were n't. They issued me a new cards and said that they would credit my account the {$210.00} that was unauthorized. I have contacted them on five separate occasions and they still have not credited back my credit card nor have they sent me any correspondence
Product: Mortgage

On XX/XX/XXXX I noticed that there was a {$300.00} advance taken out of my Wells Fargo home equity line of credit. The description on my on-line statement was Requested Advance. This was done 5 times for a total of {$1500.00}. I called the customer service number to find out who requested the advance and where the money was transferred. After being transferred 3 times and disconnected once I was told this must be fraud and we need to close the account. The could not tell me where the money had been transferred. I was also told I would be contacted within 48 hrs to follow up on the issue. I explained I needed to re-establish the line of credit as soon as possible because I needed the availability for a commitment I needed to fund.

I never heard from anyone at Wells Fargo over the next 4 days. I called back and was again told someone would call me. Nobody did.

Once again, now the third attempt I called Wells Fargo again. I was transferred 9 times and disconnected twice. I was on the call ( calls ) for over 2 1/2 hours. Nobody seemed to know what to do. Nobody could tell me where the money was transferred. Nobody could tell me when I would hear from someone to re-establish the LOC or where my money was transfered.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX  VIOLATIONS ATTACHED
Product: Debt collection

In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting of a XXXX  XXXX bankruptcy by experian! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but experian has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community experian XXXX and transition has also allowed pulling of my credit report by community loan servicing and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of XXXX XXXX XXXX and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with XXXX  YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! XXXX XXXX Experian has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!
Product: Student loan

I need my student loan payment records for the years XXXX to XXXX. The student loan records show I was in default but I was making payments. I also want every system note that was made regarding my loans from XXXX to XXXX. I need to know how I can dispute the inaccuracies in my records and have them fixed. XXXX error that I found includes a school attendance date in XXXX for XXXX University. I did NOT attend XXXX University in XXXX! I want any and all records to help me figure out where the payments I made went. I'm about ready to go to a class action attorney. With no records the servicers could record anything they wanted to without having to prove it. I find it unbelievable that if I was really in default in XXXX, that no one filed a legal action. The servicer took my payments and failed to credit them.