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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : JP Morgan Chase XXXX. XXXX XXXX XXXX, KY XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Wire Transfer ( such as XXXX XXXX, XXXX XXXX, Bank Wire ) Subject : Wire Fraud A wire transfer of {$25000.00} was initiated without my consent via my online checking account with JP Morgan Chase on XXXX. 

I immediately called JP Morgan Chase 's fraud department and reported the matter ( Fraud case number XXXX and XXXX ), as well as filed a police report ( XXXX. ) Note that JP Morgan did not provide any email, text or call to indicate a wire transfer was initiated and upon checking my statements within hours of this initialization i immediately followed proper procedure. 

As of XXXX i have been unable to receive any correspondence from JP Morgan chase regarding the matter. I have continued to go into local branches, as well as call their fraud department, where i am advised it is being investigated with the back office and a formal update will take 30 days. 

That said, i have been under a legal contract to close on a property as of XXXX. I have been given an extension from the seller for the XXXX. However, if i can not close at this time, the seller will be given my escrow deposit, as well as i face potential legal action against me for breaching the contract. 

Further, i was informed by a branch associate today when seeking an update that they could no longer speak to me about my compromised account or the investigation, as well as my new account which JP Morgan Chase created on my behalf the day of the breach and transferred my remaining funds, in order to safe guard them. This associate stated that i needed to leave, and also informed me that a decision has already been made that JP Morgan Chase will no longer be in business with me, and that my compromised bank account, as well as the new account JP Morgan Chase created would be closed, and my renaming funds mailed to me. 

I have been given any reason or justification for the closure of my accounts, nor a timeline of when they would be closed, or when my funds would be available. 

Additionally, i have not received any formal communication on the closure of my accounts, but continue to be advised that they can not speak to me regarding the matter, and that i needed to wait 30 days for the Fraud department to provide an update. 

As of XXXX i called again the chase executive team, whom I 've been assigned an investigator ( XXXX ) This contact informed me again my accounts will be closed soon ( no date given ) and that i would not be given back my funds, which have been stolen. 

I require immediate assistance with this as the fraud occurred from my chase checking account, to another chase checking account. I have done everything in my power to cooperate and assist wit this issue, and JP Morgan continues to dodge providing information to me, as well as provide back my stolen funds. 

Please let me know if any further information is needed from my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Transunion and speaking to the fraud department and account specialist for months in a row and my problem is still not resolved! There are multiple inquiries I do not recognize/ deem fraudulent and transunion has been no help. I have satisfied all their requirements and contacted the lenders who are reporting the inquiries and all of them confirm they are unauthorized and just re direct me back to transunion. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not do business with these financial institutions and they are violating the FCRA with these inquiries. I am trying to get a mortgage and due to these violations I am unable to move forward with me life. I need all of them to be removed immediately. This is my 3rd attempt to correct this problem, if not resolved I will take my luck to pursue legal action is claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus  as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Debt collection

Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.
Product: Credit card

Hello, my wife opened a credit card in my name back in XX/XX/2013 that I was n't aware of till recently. I wrote a letter to capital one and so did she explaining what she had done and if they remove the negative remarks and account information off of my credit report. They said they where doing a investigation and it would be resolved. Do n't make any payments due to I would get reimburse and it would all come off of my credit in the end of the investigation. She wrote a letter asking for them to put the debt in her name and she would work on paying it off due to not wanting to have legal issues over this. They did a small investigation and never asked for additional information on this nore did they send a letter to me about questions as to how we wanted to proceed. They just decided to assign it with a new account number and considered it my debt???? My wife is willing to sign a reconciliation letter and pay it back but I do want this removed from my credit report.
Product: Debt collection

I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system. 

A contract was not included. There is nothing showing a breakdown of the amount that is owed.
Product: Checking or savings account

XX/XX/2023 XXXX pm Called Chime to dispute charges on my checking account and card builders account! 
They went into account transfered all my money from chime saving was {$7.00} credit builders XXXX and went into my XXXX XXXX account that I had linked to there bank took {$490.00} all of it was transfer into a $ XXXX pay XXXX account who I don't know didn't give them authorization to transfer funds. CHIME WILL not refund me my XXXX XXXX tried XXXX XXXX a stop payment on I called them for help the funds had already been transferred. I WILL BE FILING A POLICE REPORT
Product: Student loan

In XXXX I applied for incarceration deferments for both my Fedloan Servicing and XXXX student loans. I sent the documents out along with a prison caseworker on the same day. A few weeks later I received confirmation for deferments on both accounts. The next year I was released in XXXX. I was sent to a halfway-house 5 hours away from home. I was only allowed to use the internet once a week at the start of my stay. My first time checking my personal email showed an email from Fedloan saying I was in danger of default. I called the following Monday after seeing this email ( around XX/XX/XXXX ) give or take a week. I spoke to an account rep who told me I would be defaulting that Friday if I did not take care of my late payments. I asked why the account was not in deferment and he told me there was no record of applying for a deferment, but he did say there was a record of my Mother calling to request the paperwork be sent to me in the prison. Which did happen, but I also filled it out, sent it in ( in the presence of a federal employee ), and got a return letter of confirmation. My XXXX loan had no problem with the deferment paperwork through my local college. I said fine, I will call back Wednesday when I could go get a bank card from the halfway house and pay what I need. I got the debit card from a bank just down the street and called Fedloan back. When I spoke to the next rep they told me that the loan had defaulted the day after I called, Tuesday. I told the rep that the previous one had told me I had until Friday and his response was, '' well I dont know why he would lie to you. '' And they defaulted my loan and went about their day. I have tried contacting my State DA 's office, the CFPB, countless lawyers, anything resource I can find, The fees keep racking up and I get no answers and no help for going on 4 years now ... They take my taxes and rack up the fees. Fedloan employees committed fraud and no one will listen. I told myself I am going to give this one last shot and found this site. Please help.
Product: Credit card or prepaid card

Hello, I signed up for XXXX XXXX XXXX financed by XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. This was for my XXXX services that my doctor recommended using. They offered 1 year of 0 % interest and 28.99 % APR after the 1 year. However, this was far from the truth. 

I made all my payments on time on the XXXX of every month. On my very last payment that was due XX/XX/XXXX2018, I missed the payment date by 3 days. I tried logging into my account online, however, I had issues logging in and after a lengthy process, I was finally able to log in. When I logged in, I saw that I was charged an access of {$800.00} in interest because I failed to make my last payment of {$150.00} by 3 days. 

I figured I call the company and explain to them that there must be a mistake. The person who answered the phone insisted that I don't make any payments and write a letter to the company explaining myself. So, I took her recommendation and did not make my final principal payment of {$150.00}. I got a letter back from the company saying that I had signed an agreement and that the interest was a revolving interest for a promotional period, and if I didn't make the payment within the given time they can charge me all of the interest from the year and I was liable for it. 

This made no sense to me. I can't believe that this could be legal. They used very predatory practices and tricked me. I was under the impression that I would get charged 28.99 % interest on the remaining balance if I did not make the payment within the promotional period. Instead, they charged me the interest on the original amount, which doesn't make sense to me. 

After receiving the letter, I called the company again and talked to higher management. They told me that they have a 3 day grace period and that If I made my last payment of {$150.00} on the day that I originally logged in on XX/XX/XXXX18 they would have relieved me of the interest. I explained to higher management that I was consulted by the previous agent not to pay and to write a letter. The higher management tried to use some fancy verbiage and ultimately said she was not relieving me of the interest and that I should call their 'hardship ' line and see if I qualify. 

I went ahead and made the final payment of the principal amount of {$150.00} on that date, so it goes on record that I made my final payment. I contacted the 'hardship ' line and soon found out that I wasn't able to go through with that. 

I tried contacting the company again, but they still refused to close my account and said that I am responsible for the interest amount. It is currently on my credit report and the number is increasing. They are charging me late fees and are charging me interest on interest, and they called it a revolving interest. 

None makes any sense and I am truly speechless that a company could operate with such predatory practices. They were completely deceiving and I am a victim of their practices. 

Please Help!
Product: Debt collection

I underwent a XXXX XXXX on XX/XX/21. This was improperly coded and thus I was billed for the procedure. I contacted the hospital where the procedure was done and asked for it to be correctly billed. The XXXX billing company, XXXX XXXX XXXX XXXX sent a bill. I contacted them regarding the claim and asked that they resubmit with the correct information. I did this in writing by returning the bill that was sent with a note attached stating that XXXX was reviewing the corrected claim. Despite this I received a letter from " The Thomas Agency '' of XXXX ME dated XX/XX/21. The letter stated the account was with " us for collection. '' I promptly called the Thomas Agency and was told rather rudely that I would have to have XXXX XXXX XXXX XXXX rescind the collections request. I spoke with XXXX at XXXX on XX/XX/21 who said she would immediately send an email to The Thomas Agency rescinding the request for collections. Despite this action I received another letter from the Thomas Agency on XX/XX/21. I promptly called XXXX on XX/XX/21 and was told another email would be sent and followed up with a call to The Thomas Agency on XX/XX/21 once again stating XXXX had emailed them and the debt should have been rescinded. They reported that they still hadn't received any such communication from XXXX but were helpful enough to put the account on hold for 90 days. As a consumer I feel I have followed through on this erroneous medical bill and despite my best efforts am not having my credit protected. I hope this action involving the CFPB will help other patients not have the same situation occur. Patients need to have an advocate, beyond an appeal to their insurance company, for medical billing errors. Patients also need an advocate to turn to for assistance in navigating the multiple billing departments and collections agencies that do not have the patient 's best interest in mind. I appreciate your willingness to advocate for patients.
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 accounts 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 cause significant inconvenience and financial losses, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report XX/XX/XXXX and found several hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of 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. XXXX ) 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 reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Debt collection

GC Services constantly calls me. I made payment arrangements and they kept changing my minimum payment and they have called me dozens of times. They called me this morning at XXXX, on a Saturday on a holiday weekend. They called at XXXX on XX/XX/XXXX. I have talked with them and worked with them but their constant calls are becoming extremely inconvenient and irritating. In XXXX I first started working with them. I filled out all the paperwork that they wanted and worked out a payment arrangement of {$5.00} a month. Then they called me again the end of XXXX and said that my minimum payment should be {$30.00} a month, so I agreed and paid them another {$25.00} on XX/XX/XXXX and then another {$30.00} the beginning of XXXX. Then they called me again and said that I needed to pay {$32.00} a month. And then they called me another five times to sign and send in the agreement. I paid {$32.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I paid {$30.00} on XX/XX/XXXX. I paid {$25.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. 

I have worked with them and yet they still are constantly calling me at extremely inconvenient times and it is becoming harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States 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