23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother, the owner of the property has passed away and now I have the property, but seeing as she's passed away a tenant has decided to stop paying. So I've fallen behind on payments. Now, because the mortgage company takes so incredibly long to remove the funds from my account, sometimes there won't be enough money. Then sometimes they'll take the funds on time then return it... I've called and tried to resolve this but they act very unprofessional and will not give me a real answer. From all this, I've fallen a bit behind. I'll be more financially stable once those tenants are gone, which is well on its way through court, so I make partial payments, by a certified cashier 's check by priority mail. I sent them 2 partial payments a couple months from each other, which should have brought everything current. 

On the second check about a month later, I called to make sure everything was current and the foreclosure had ended and told me they accepted the first partial payment and this brought the account down to 2 months. The next check I sent them, on XX/XX/XXXX, they said they shredded it because I sent it to the wrong place. I had to cancel the cashier 's check. I was able to reissue it on XX/XX/XXXX, and send the cashier 's check, certified, to another address. I checked back in with them, by XX/XX/XXXX and they told me the first check wasn't the full amount they continued with default proceedings. Now, they told me, the foreclosure proceedings have begun and they won't accept anything except the full amount. Despite me telling them that according to the Consumer Financial Protection Bureau, they are meant to hold the partial payments in a suspense account and once it has accrued the full balance, it will be applied to the default amount, they said they shredded the partial payment and said that they'll foreclose within 6 months. 

I've finally got the full balance, plus a month to them, in a certified priority mail check on XX/XX/XXXX. They told me on the XXXX, they won't accept it because it's hand written. I don't know what to say and I don't know what to do. They're making it impossible to pay them and at the end, I have been doing what I need to do to make sure I'm keeping up in this difficult time, and they seem to be making every single excuse possible not take take the money I am sending them. Even in full. 

And I know that bringing the house down to 2 months late would have brought the house out of default but they continued, even though they accepted the certified check. No where on their statements in the " payment options '' section, is there anything about the check having to be a cashier 's check. Are they trying to be difficult for long enough so they can foreclose? They are using every excuse in the book not to accept the payments I am sending them.
Product: Credit card

I appear to be a victim of credit card fraud. My Discover card ending in XXXX was apparently used fraudently in the XXXX area on or about XX/XX/2017 thru XX/XX/2017 for a total of XXXX charges for {$2000.00}. My credit card company is asking for a report # for a formal policy report, please advise on how I obtain this.
Product: Money transfers

There was a bill pay processed from my JP Morgan Chase account on XXXX/XXXX/2016. The funds were directed to a closed account with XXXX Card Services. The funds ( {$3000.00} ) were processed on XXXX/XXXX/2016 at XXXX EDT. There is not a trace number available. The funds were accepted at XX/XX/XXXX at XXXX am. When I noticed the funds had not gone to the correct account I went into the local branch and spoke with XXXX XXXX Chase Private Client | Private Client Banker | XXXX ID XXXX | XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX at which time she told me there is nothing that Chase can do and to contact XXXX. Which we did and XXXX opened an investigation. The account number it was sent to is a XXXX account, however, it was always sent to XXXX Card Services. I 've contacted XXXX, they sent me to XXXX XXXX and NONE of the XXXX banks involved claim receipt of the {$3000.00}. I spoke with XXXX persons on the phone with JP Morgan Chase ( XXXX - online banking who sent me to XXXX with Senior Services who sent me to XXXX with online claims ) and none were willing to tell me where to funds were sent, only that they were accepted but not by whom. They closed my investigation without offering to do anything. I consider this discrimination for being a small account and a female. It is theft. Chase is withholding information from me as to where the money is located. The funds are somewhere in virtual land and someone is collecting interest or enjoying a vacation. I have been patient as it has been over two months. I have nowhere else to turn. I spoke with XXXX people at XXXX XXXX and XXXX people at XXXX Card Services on the day of XXXX/XXXX/2016. There is no account in my name, social security number, or account number at those institutions. This is absolutely unacceptable and there is ALWAYS a way to track a transaction. My husband is director of information security with XXXX XXXX. There is a way to locate my money. At this point in time it is theft and JPMorgan is being dishonest and discriminatory.
Product: Money transfer, virtual currency, or money service

VENMO froze my account without notice for no apparent reason. All my accounts are in good standing. I provided requested information regarding my identity to VENMO, contacted VENMO and attempted to use service to complete a transaction and account remains frozen. VENMO provides no service to consumers except chatbots and an automated phone service. All notices from this company are sent from a no reply email. This company has access to my bank account and credit cards. They have no in-person assistance for consumers and now refuse to close my account, also with no explanation. Every email they send me is NO REPLY and there is no known way to contact anyone to resolve this issue. I no longer want to use this service, I just want to close my account and have my banking information no longer available to this company. There is no way to get a response from the company in regards to any of these issues, no email, nothing other than automated phone system and chatbot. I want to close this account as this company has unfettered access to my financial information and zero accountability.
Product: Credit card or prepaid card

JPMorgan Chase is treating peer to peer transaction payments differently depending on the credit card product. I made about 6 peer to peer payments via XXXX utilizing Chase Credit Card A ( Freedom Flex : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) over the course of XXXX XXXX. I made 4-5 similar peer to peer payments via XXXX utilizing Chase Credit Card B ( Freedom ). Card A was charged a minimum transaction fee of {$10.00} for each charge plus a 25 % cash advance fee at the close of my card for the total transactions ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). No such charges were implemented for Card B. Chase refunded 3 transactions XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX ) as a " courtesy '' but is refusing to refund any of the others. I asked why the same transactions from the same merchant made to the same peer are being treated differently across their credit products ( Cards A vs. B ), but they said both are cash advances and I'm required to make these fee payments under Card A 's terms and conditions ( no mention of Card B ). However, they claimed on my calls that Chase supposedly treats peer to peer payments for XXXX similarly, but I have no such charges for any XXXX transactions during the same period on Card A or Card B. I did reach out to XXXX who confirmed their merchant coding is the same no matter the card being used for any peer to peer transaction and it is Chase that is processing the payments differently depending what card is being used. The Chase supervisor, XXXX, denied that was the case and once again blamed XXXX. I also called to their attention an XX/XX/XXXX article from the XXXX XXXX https : XXXX? XXXX & XXXX XXXX where a Chase spokesperson confirmed they do not charge peer to peer cash advance fees. They did not acknowledge the spokespersons claim and referred back to the terms and conditions. I understand that the terms and conditions for peer to peer payments require me to pay these fees, but Chase is claiming those terms and conditions are the same across all their products when that is obviously not the case. I've attached copies of my statements to demonstrate the difference in treatment between the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

Hello there, I have opened a Citi Checking account upon advice from a Citi Mortgage XXXX lender. He suggested that if I Open a Citi Checking account and deposit {$50000.00}, I will get a better interest rate on my Mortgage. I did the same and opened a account and deposited XXXX. Once the Mortgage is closed, I tried to withdraw the money to use for my investments and Citi has flagged my withdrawal request as fraud and closed my account. 

I tried calling the customer support multiple times and they either hung up the calls on me with out giving me more information on how and when I receive my money back or they try to help but say that this is handled by their internal department who does not have a direct phone to reach. The customer support team tries to email this internal department and does not hear back for weeks. I also tried going to the Citi physical bank location near by home and they are of no help either. 

Account opened XX/XX/2022 Balance on XX/XX/2022 - {$50000.00} Citi closed the account on XXXX XXXX, 2022 Now I am at a loss on how to get my funds back to me. Customer support and/or their physical locations are really helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a creditor three times with Experian. They are reporting me as having an account which is incorrect while my correct account is on my report. This incorrect account is not mine and Experian keeps updating it as a negative account. They have refused and failed to verify or validate within the guidelines of FCRA for over 45 days and keeps reporting immediately after I dispute. This incorrect possible fraud account is XXXX account XXXX and the correct account is US dept of Ed XXXX
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 timely 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 am XXXX XXXX. I am not a 3rd party. I am who I say I am. This is my second time submitting a CFPB complaint and I am bothered that my complaints are being dismissed. I have been filing disputes with Equifax, XXXX  and XXXX  since XX/XX/2021 and have not received information regarding their investigations. I have also filed an FTC report in regards to the inaccuracies being displayed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps placing unauthorized information on my credit report. A few weeks ago I had to file another CFPB complaint because Equifax refused to correct their errors.     In response to that recent CFPB complaint Equifax sent me a copy of my credit report that shows : ALERT  ( S )  : File Blocked For Promotional Purposes However on  XXXX / XXXX /  XXXX    XXXX  I visited outoutprescreen.com and elected to opt IN to be able to receive preapproved credit and insurance offers.     Furthermore I do not recall ever seeing this message on my Equifax credit report, therefore it is something they have recently added.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the FCRA, list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

15 U.SC. 1681 602 A. States that 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 EXCEPT as authorized under subsection ( b ) of this section, 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.

A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to Equifax consistently responding within 24 hours, the account is accurate without providing any evidence ofr a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX American Express decided to closed both accounts I was having with them since XXXX. After using my card and getting an error I decided to call American Express and asked what happened, I was then informed of their decision and also told the full balance was due immediately, I then with the customer service representative on the phone agreed to make a payment of the total balance of both accounts that same day and also to deactivate the auto payment. The payment went successfully and on XX/XX/XXXX the money was taken out of my acct and applied to the final open balance. 

After that day, it was clear that the accounts was closed and satisfactorily paid in full. By the next month XX/XX/XXXX the statement that I got from American Express was for {$7.00} on fees incurred after paying the final balance which was paid again. But by XX/XX/XXXX American Express without my consent activated the automated payment and proceed to take {$590.00}, I immediately put a stop payment since I didnt know where that amount was coming from after couple of months of the accounts been closed and paid in full, I decided then to call American Express to get some clarity but that wasnt the case. Once you are not a costumer of them, the treatment is just horrible I couldnt understand where the money was coming from so I decided to start a dispute with the which was not accepted and also with XXXX ( XX/XX/XXXX ). 

The problem continue and havent had any straight answer from American Express, they reported me on my credit bureau as a late on a paid satisfactorily account. I had spent countless hours trying to get an answer from American Express, getting a supervisor or a superior for help is impossible. 

I had open 3 disputes with XXXX the most recent one was XX/XX/XXXX. I had made follow up calls with American Express as the interest and late fees keep mounting up and they refused to put a stop even on an open investigation, and had refused to put anything in writing for me. I dont understand how a closed and paid in full account can months later have such a big balance not to say that now the balance is {$1000.00}. 

I requested all my bank statement to American Express ( XX/XX/XXXX ) they after a month sent them to me ( XX/XX/XXXX ) after carefully reviewing them the month of XXXX and XXXX showed not actively thats due to the account being closed, but then by XXXX there is a balance of {$590.00} apparently of some bounce payment from the prior month ( XXXX ) when there was not activity nor was any monies due from my part. 

My credit report has been severely affected as American Express is reporting me as late, but not answer or explanation has been provided, American Express should take responsibility for not mention of any grater or different balance after the account was closed and paid satisfactorily I am a single mother, who was hit hard by COVID, my XXXX  and XXXX has exacerbated with this situation, is just not right to charge someone with something that doesnt make sense, it seems that American Express made a error and dont want to take any responsibility
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 added XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA all accounts have violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX XXXX  Gift voucher in the amount of {$180.00}. They do not show the calendar of availability before purchasing ( unlike similar voucher experience companies I have seen ) so when I went to redeem it, I was horrified to see there was only one date available in the next 8 months in XX/XX/XXXX. They luckily advertise a 30-day hassle-free, no-questions-asked refund policy on their site, so I reached out several times within that window to speak to someone about a refund. No one ever responded. 

Once I was out of that refund window, I contacted Capital One to dispute the charge. They reached out to XXXX XXXX  Gifts, and that is when the company finally emailed me back ( conveniently, outside the 30-day refund window ). They asked what the problem was and I said that no one had reached out to me in the refund window so I went to my credit card company. The customer service rep from XXXX XXXX apologized profusely and said she would handle it. I thought that meant a refund, but instead, they refuted the dispute only by showing that they had indeed provided me with the voucher ( which was never the complaint in the first place ). 

Capital One closed my case without asking the company why no one had replied to my several emails within the refund window policy. I was on the phone with Capital One for hours asking and every customer service rep said that yeah, it was odd, but if I wanted a refund, I needed a Second Opinion letter stating that other companies would show the availability on their site. However, that is not what I am disputing! I am disputing that the company advertises a flexible refund policy but violates it by not communicating with customers in time. 

I have tried to reach out to a few similar companies ( XXXX XXXX, XXXX, etc ) asking for this second opinion letter but all say they can not help me. I can see clearly on their site that they do show calendar availability before purchasing, so not sure why I need a letter to state that when it is clearly viewable and proven on their site. Also, refund policies are available on the site as well, so again, not sure why requiring a company that is not involved in the situation to just state things that are visible online. 

What it comes down to is a company lied about their refund policy, did not communicate with me in the window of the refund policy until I timed out, and then Capital One refuses to help me stand by the dispute when every customer service rep I speak to confirms I should get a refund, but we have to follow the process. Without a random company agreeing to do this random letter, I am out {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.