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

I went to my bank to deposit a tax refund check that I've received from the irs which is internal revenue services. That was XX/XX/year> and then on XX/XX/XXXX the check had been cashed by jp morgan chase bank. Then they put a restriction on my account when the funds was ready they said when the check is verified by the irs then they will release the hold of my funds. But yet they didn't do that they closed my account without reasoning saying that they no longer can do business with me without any reasoning. I never had an account with this bank until this year so I dont see what the problem is. Also I've contacted the irs about this issue they said that the check is good and clear I shouldn't be having any of these issues they even told me that they will send proof that they check has been cashed by the bank. The bank claims that they sent the check back to the irs but the irs said they never requested for the check to be sent back. They were also trying to figure out if they check wasn't variable how was it cashed. So the irs then sent out proof documents that the check was cashed and that chase cashed the check. So once I've received the documents I then went bank to the bank and I had the irs agent on the phone as well because we are trying to figure out where is my check or the funds. XX/XX/year> I went into the branch with these documents to let them know that they did cash my check and also the agent wanted to know how they verified the check which email they used to verify but they didnt want to inclose any of that information i just want my check back or they need to release my funds this has something to do with discrimination because of my XXXX XXXXXXXX I can't be owed a certain about of money this is crazy to me these banks just stealing people money and nothing is being done about it but this situation here something needs to be done i have bills and debt to pay just like everyone else they shouldn't be holding my funds and then close the account and dont are cant send any evidence of what there doing thats a violation to EFTA and thats why I'm filing this complaint today enough is enough. jp morgan bank and other banks already been sued already because of situations like this and then I asked for the corporate number they told me they dont have the number I have to wait til somebody reach out to me with is XXXX excuse my language but I am furious this is now XXXX and this issue has not been resolved ASAP and everyone there need to lose their job. Even the lady that was helping me saying that was wrong she just work here and this issue is above her and her pay rate which means she couldnt't help me either.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's I findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving user vulnerable to scams.lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.
Product: Money transfer, virtual currency, or money service

Pangea XXXX XXXX XXXX initially blocked me after I have done business with them for approximately XXXX  years. I tried XXXX XXXX. They asked me questions that I answered thoroughly. Then I was sent a message on XX/XX/year> that my money transfer can't be processed. No more information was provided to me. ALL international money transfer locations blocked me. I need to send money to family in the XXXX.
Product: Mortgage

I recently went through a divorce. The judge granted me the home as part of my divorce. I was granted a divorce on the grounds of XXXX XXXX XXXX. My ex husband refused to sign our divorce decree. My divorce decree was finalized and the judge signed it on XX/XX/XXXX. My ex husband refused to signed a warranty deed. I started going through a modification on my home in XXXX of XXXX. I reached out to my ex-husband in XXXX of XXXXand pleaded with him to sign a warranty deed. The bank advised me in XXXX that I needed a warranty deed in order to proceed with the modification. I reached out to my attorney. My attorney advised me to obtain a certified copy of my divorce decree. Once I obtain my certified copy of my divorce decree, to then file it in the property records in the county clerks office that is located in my county where our property was purchased and is located. I followed her advice and did as she stated on XX/XX/XXXX. Once I recorded my divorce decree, I received an instrument number on my divorce decree. The instrument number, was my recorded deed. I took my recorded deed over to the tax appraisals office that same day, XX/XX/XXXX and they removed my ex-husband from the deed. I then filled out a new tax exemption form after the tax appraisals office transferred the property over to me as the grantee. The tax appraisals office gave me the paperwork to my property that listed me as 100 % ownership, on XX/XX/XXXX. I faxed the recorded deed as well as the paperwork from the tax appraisal office over to the mortgage company on XX/XX/XXXX. I called two weeks later for an update and the title department asked me to send them a convenience deed or a warranty deed which was on approximately the week of XX/XX/XXXX. I was told someone would contact me but unfortunately no one contacted. I called toward the end of XXXX and was told the same thing and again I requested a call back but did not get a call back. On XX/XX/XXXX, I emailed the bank explaining why I did not need a warranty deed. I explained that my ex-husband was no longer on the property and that my divorce decree was my actual recorded deed. I also emailed the printed laws surrounding filing a divorce decree in lieu of a warranty deed. I called the bank back and the representative told me that he would bypass title and escalate my information to underwriting. On XX/XX/XXXX, I was told again by a bank representative that I needed a warranty deed. On XX/XX/XXXX, I asked to speak to a supervisor to voice my concerns. I have sent them everything that they have already requested. There is nothing left for me to send. Today I emailed them a copy of my recorded deed that I printed off of our county 's website under land recordings. I paid for another copy of the recorded deed, my filed recorded divorce decree, a receipt from the website where I purchased the recorded receipt and the information from the website that shows I recorded my divorce decree to transfer the property to as the grantee. The bank is refusing to accept the recorded deed as documentation that is in fact a recorded deed.
Product: Debt collection

Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}.  XXXX   XXXX   XXXX  hired local attorneys  XXXX  and  XXXX  to represent Discover Bank.      XX/XX/XXXX , I filed  a Motion to compel Arbitration.       XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with   XXXX   ( #  XXXX   ) ;  Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XX/XX/XXXX ,  Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on  XX/XX/XXXX .     On or about  XX/XX/XXXX , I received a letter from  XXXX    XXXX    XXXX   c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''  XX/XX/XXXX ,  XXXX  closed the case. Case terminated because Discover failed to pay and participate in Arbitration.      XX/XX/XXXX , a  Motion for Joint Stipulation for  Substitution  of Counsel wa s filed.  XXXX   XXXX   XXXX  was no longer representing Discover and  XXXX   XXXX   XXXX .     Year Later,  XX/XX/XXXX ,  XXXX   XXXX   XXXX  files a motion to return case to active docket.    XXXX   XXXX   XXXX  KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.    XXXX  states, As of  XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  Arbitration Forum (   XXXX   ).      THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee.  XXXX  sent the counsel for Discover several letters requesting payment but they failed to respond.      XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.      XX/XX/XXXX ,  XXXX   XXXX   XXXX   c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened.      XXXX   XXXX   XXXX   c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Product: Vehicle loan or lease

XX/XX/2024 I am not a robot, Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, representation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Checking or savings account

On Monday XX/XX/year>, requested a return of fees for a returned fee as deposit should have been in account. Live chat with OceanFirst customer care informed me that they have already refunded a fee in may. After asking if one more fee could be waived they informed that they had changed their policy in XXXX of this year and only allow this once a year. This policy change ( which included the fee price change, and allowance for only one refund ) was not told to consumers ( this was asked by me ) and they told that as an internal change they did not have to inform their consumers. Having been a customer with them foXXXX XXXX XXXXears, this has been a shock. I then escalated to call to XXXX after having escalated the live chat to three different employees and supervisors ( XXXX, XXXX XXXX. XXXX then escalated the call to XXXX, who informed me that they could not refund the fee, but could call the local branch and see if they will. She called back within XXXX minutes informing me that they refused as fee wasn't " bank error ''. When asked how the fee in XXXX was refunded she did not have an answer, as I know for sure that neither of these were bank errors. These shady practices and not informing their customers of policy changes that affect their bank accounts is beyond deplorable.
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 8 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  amount : {$2900.00} opened : XX/XX/2018 I called this company many times, but they did not respond.
Product: Money transfer, virtual currency, or money service

I lost XXXX dollars because of a flash crash caused by a market order which caused the price of ethereum dropping over 29 % in seconds and sparking a cascade of margin calls and stop loss orders. I am one of 800+ other investors from which this occurred to totalling a loss in the XXXX as our asset price flashed from over 300 dollars to cents within a second as the site went down ( locking in our trades ). This occurred on the XXXX site which is a Coinbase company. They said there was no error however they started reversing trades on the Coinbase site and not XXXX trading site. Many people lost life savings in the belief this flash crash was n't possible because of proper controls set in place by XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft FTC report due to wrong information on my reports. After many months of trying, I am seeking your assistance because no one is helping me.
Product: Consumer Loan

eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.
Product: Credit reporting or other personal consumer reports

This alleged debt and been paid and updated with the original creditor! Please remove collections account from my reports immediately! With XXXX XXXX XXXX and XXXX collections.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XX/XX/XXXXXXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by Equifax, XXXX, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy
Product: Debt collection

CREDIT COLLECTION SERV this account is not mines please remove it from my credit report