23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.
Product: Credit reporting or other personal consumer reports

This creditor has never provided me proper debt validation for this alleged debt, and violated my rights by not giving me a chance to address allege debt And reported alleged death to all consumer reporting agencies
Product: Mortgage

My home loan is through Rocket Mortgage. I am not working on refinancing the loan. Even though I have requested they stop contacting me with " marketing '' offers to refinance they continue to call. The approach taken recently is that the representative from Rocket Mortgage leaves me a voicemail stating they have " received all of my information '', everything is in good order and I need to call them to answer a few additional questions. 

My current mortgage is in good standing. These calls/messages imply I am working with them on a refi or worse that someone has stolen my personal information and is acting on my behalf. This seems to be a predatory lending practice and should be addressed. I will be submitting a complaint directly to Rocket Mortage through their " complaint '' department however, I doubt that will go anywhere in terms of the representatives approach/tactics.
Product: Credit reporting

My name is XXXX XXXX and I am writing you about a bankruptcy listed on my Equifax credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report.They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, thecreditbureauhasanobligationtoconductareasonablereinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, ithasfivebusinessdaystoforwardthedisputetotherelevantfurnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, orcannot beverified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Product: Debt collection

This is pertaining to a violation of the Fair Credit Act. We have contacted Experian providing them with Cease and desist letters and informing them of fraudulent accounts. I would like to file a formal complaint of their non compliance. They updated the accounts you see below as accurate with out providing us origination documents to support their verification efforts there fore we are requesting removal of these accounts. 

Disputed accounts include ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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: Credit reporting or other personal consumer reports

I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts ( XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) are not complete or accurate.
Product: Mortgage

As many did, I made a direct property tax payment to my local jurisdiction ( DC ). I sent a QWR to Nationstar/Mr. Cooper indicating the size of the payment ( {$6100.00} ) and with a confirmation from DC ( attached to this complaint ). I requested that they perform an escrow analysis and revise the amount due to comply with RESPA. They did perform an escrow analysis but failed to account for this {$6100.00} payment. Therefore the amount they propose to collect will substantially exceed the maximum they are allowed to hold in reserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 separate hard inquiries on my XXXX report. One from JPMC bank, and one from XXXX
Product: Mortgage

My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!!
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase Bank regarding the closure of my bank account and the subsequent withholding of my funds without resolution for an extended period of eight months. 

The issue began when Chase Bank unexpectedly closed my account on about the end of XXXX, XXXX, without prior notice or explanation. Since the closure, I have been unable to access my funds, amounting to approximately {$4700.00}. 

In an attempt to resolve this matter, I have contacted Chase Bank 's customer service department on multiple occasions. Despite these efforts, my inquiries have been met with vague responses of follow-up that have not materialized into any action or solution. To date, I have not received a satisfactory explanation for the account closure, nor have I been informed of any steps I can take to retrieve my withheld funds. 

The lack of transparency and responsiveness from Chase Bank throughout this process has been highly disappointing. I believe that I have exercised due diligence in seeking a resolution, including providing any requested documentation and persistently following up with the banks customer service. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and facilitate the return of my funds. I am prepared to provide further details or documentation as may be required to assist in the resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.
Product: Prepaid card

On XX/XX/XXXX I submitted CFPB COMPLAINT # XXXX regarding a discrepancy in balance of a prepaid gift card. The amount in controversy is {$13.00}.

This card had an original balance of {$100.00} and was used twice. One for {$44.00} at an online pharmacy and once for {$27.00} at XXXX. 

The remaining balance showing on line is {$13.00} but should be {$27.00}.

Almost immediately after filing the above captioned CFPB complaint, the card issuer responded that " we do not see any attempts by XXXX to reverse the charges from the purchase in question back onto the XXXX gift card ending in XXXX. 

This is COMPLETELY UNTRUE. 

Please see the 2 page screen shot from the issuers webpage which shows the following " failed '' CREDIT transactions which appear in GREEN INK on the page : WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair policies 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: Checking or savings account

This gentleman name XXXX XXXX XXXX Took the check from me and cashed it for {$300000.00} at veritex bank where he has an account with. I know for sure this gentleman name XXXX XXXX which work at the veritex bank cashed this check for him because XXXX XXXX have approved multiple XXXX XXXX dollar loans for this guy this guy XXXX XXXX XXXXXXXX was involved in a XXXX  XXXX dollar Ponzi  scheme. XXXX his name. They have open XXXX  XXXX  dollar businesses out of nowhere and I know for sure XXXX XXXX has something to do with the Ponzi scheme because he approved all these loans. My complaint today is.XXXX XXXX XXXXXXXX took a check from me and wrote XXXX and cashed it. Veritex bank nor XXXX XXXX did not do any confirmation on this check is it was a good check or not! I have never in my life wrote a ) {$300000.00} check before. The biggest amount I ever wrote was {$15000.00}. When I called to come to complain to Vortexx Bank about the check that was Cash by one of their customer XXXX  XXXX  XXXX. I asked to speak to the fraud manager at Vertex Bank as soon as I told him what check it was and what check that was on whos written out to immediately Verittex Bank notified me that they were very aware of this gentlemans fraud ongoing case about the Ponzi scheme. It happened to be that week that he got busted also so I told her why did she cash the check for without notifying me or confirming the check is clear or good and make it worse. Is that they were aware of his ongoing case why would they cash the check? I asked her give me my money back she said the bank his account is frozen. I said unfreeze and give me my money back, this was back in XX/XX/year>. Ive been calling every single day to get my money back from them. Please investigate this because theres some fraud going with this bank and XXXX XXXX. And XXXX XXXX XXXX. Veritex bank never ever called me back. I called them 100 plus times through the 2 years ever since XX/XX/XXXX. Veritex bank never called XXXX XXXX or myself to see if the {$300000.00} check was valid. This was odd for a bank to cash a {$300000.00} check so fast without clarifying it if it was fraud. Please help me get this money back. My family and I are rock bottom. This is all we had in our bank. Please. Im. On my knees begging you. I have report this to the local XXXX XXXX county police department. Also the fbi. The trading department Why would veritex bank cash a {$300000.00} check when they verified with me that veritex bank was aware of XXXX XXXX XXXXXXXX fraud XXXX  XXXX  dollar case. If you investigate the time line when they cashed this check and when he got busted for the Ponzi scheme. You will bust XXXX XXXX for having a part in the fraud. I know and saw this XXXX XXXX at this buisness name XXXX XXXX in XXXX Texas which XXXX XXXX approved this XXXX XXXX dollar loan. This XXXX XXXX XXXX guy was a nobody. All of a sudden he open multimillion dollar buisness and other business. Buying XXXX. Homes. Please help me. Pls. My number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX GA, XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently need your assistance in resolving them.
Product: Credit reporting or other personal consumer reports

Greetings. Over the last 2 years, I have sent more then 20 disputes to XXXX and Transunion. The accounts in question are the following " charge-off '' accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
Additionally, I have filed 24 CFPB complaints, in total, regarding the same issues with these same two credit bureaus. After each dispute, these companies would improperly reinsert inaccurate information on my consumer reports. I have notified these companies of the various violations of the FCRA, Consumer Privacy Act, Family Educational Rights and Privacy Act, Gramm-Leach-Bliley Act, and the FTC act, that both XXXX and Transunion have violated. Furthermore, I have followed the opt-out methods outlined in 12 CFR 1022.25. To do so, I contacted the date furnishers that report to the credit bureaus and each has confirmed my decisions to opt-out of any and all reporting of my account information. After making said request, the information is still reflected on my credit report. There are also violations in the form of unsolicited inquiries on my credit report. The consumer reporting agency may not provide a consumer report to a user under FCRA section 604 unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. I have contacted XXXX and Transunion, and they have not provided documentation showing that I have provided written instructions authorizing access to my consumer file. While filing these disputes, it came to my attention that the charged-off accounts that are negligently reflected on my account, classify as income for the data furnishers that provided the account information. Per the Internal Revenue Manual, companies must report any taxable amount of a canceled debt as ordinary income, and provide me with a 1900-C to accurately file my taxes, which I have yet to receive. If XXXX and Transunion are truly conducting investigations, as they purport, these discrepancies could have been quickly address and rectified. Instead, I have been in a constant battle with both companies to correct my consumer report, while being denied access to my credit, for the last 2 years. In the attached documents, you will find more than 15 violations of federal law, that can be easily verified and corrected by XXXX and Transunion. I am aware the CFPB has taken steps, via a recently filed lawsuit, to protect consumers from these " sham '' investigations. This matter is handled quickly and accurately to prevent further hardship on my family and I.
Product: Credit card

A XXXX  XXXX  credit card was opened in my name without my consent or knowledge. I have contacted them multiple times for them to close the account or report it to the credit bureaus but they have not done so. I have also request a letter be sent to me but it has been 3 weeks now and I have not received anything. I don't have access to this account and this charge is showing as past due on my credit report.
Product: Mortgage

As per the attached documents : Chase has provided inaccurate/false mortgage statements that indicate that the HELOC or Home Equity Line of Credit is a XXXX mortgage or XXXX Lien when XXXX is not. 

Chase has filed inaccurate/false " Proof of Filing Statement '' with XXXX Department XXXX XXXX XXXX XXXX XXXX. 

Chase used both the innacurate/false " XXXX mtg '' mortgage statements and false XXXX " XXXX of XXXX XXXX '' as " XXXX Lien '' XXXX file foreclosure with the court. 

Chase has egregiously doubled the HELOC mortgage payment from ~ {$280.00} to ~ {$600.00}. 

Chase needs to provide accurate mortgage statements with accurate payment and outstanding balance listed and REMOVE XXXX XXXX or XXXX mortgage from every mortgage statement. 

Chase needs to file an amended " XXXX of XXXX XXXX '' with XXXX given that it is not " XXXX Lien '' as the attached court document indicates. 

Chase needs to amend the mortgage to reflect a mortgage payment significantly lower than {$600.00} - a modification is not a reduction by {$2500.00}.
Product: Student loan

On XX/XX/XXXX I made a full pay off amount to EdFinancial services in the amount of XXXX to which they only paid XXXX towards my loan while the rest if left in limbo. I called and emailed them in XXXX with no actual response regarding the rest of my payment or when it will be applied. I called them again in XXXX and was told nothing outside of " I can see the request. '' Now due to this I am late on XXXX current payment I shouldn't have since I paid in full along with a payment due at the end of this month. EdFinancial is practicing unethical business tactics and I fully intend on pressing the issue if it doesn't get resolved.
Product: Debt collection

the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My info has been used to try to obtain credit so my credit has a whole lot of soft and hard inquiries