23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Early XXXX - paid XXXX XXXXXXXX minimum payment. 
Early XXXX - consolidated all my bills through XXXX XXXX banking. 
XX/XX/XXXX - XXXXXXXX XXXX  sent Synchrony Bank a cashiers check of {$540.00}. Synchrony Bank cashed it. 
XXXX XXXX - XXXX XXXX switched credit card company from Synchrony Bank to XXXX. 
XX/XX/XXXX- XXXX is asking for proof of payment of {$500.00}. 
XX/XX/XXXX - sent proof of payment. 
XX/XX/XXXX- XXXX sends paper stating dispute is over with and have to pay. 
XX/XX/XXXX - Sent proof of payment again.
Product: Checking or savings account

Hi Respected Sir/Madam, I am customer of JP morgan chase checking account since year XXXX. Recently, I requested dispute of {$20.00} fraud transactions made on my JP morgan college checking account and they refused my dispute by stating that this transaction was authorized by me. Here is the detailed information : On XX/XX/XXXX XXXX, I noticed that there was fraud transactions of {$20.00} made on my checking account from " XXXX 's XXXX, XXXX, IL '' so i filled a dispute with chase for that transaction since i was with my family on that day in XXXX XXXX area ( specifically at XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX XXXX, I got confirmation from chase by stating that they are looking into claim and assigned me the temporary credit of {$20.00} for that transaction. 

On XX/XX/XXXX XXXX, I got another letter from chase which is stating that this transaction was authorized by me. 

On XX/XX/XXXX XXXX, I called the JP morgan dispute call center where they are saying that this transaction was made/authorized by me with the same XXXX XXXX which was used for my XXXX ride on that day ( which i used for going to XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX, I am filling claim with CFPB for helping me in this situation. 

I am aware about that this is just XXXX $ claim but i am seeking help to prevent this for any another person.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Dept of ED/XXXX  XXXX # XXXX has 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.
Product: Money transfer, virtual currency, or money service

Attempted to withdraw money from Robinhood account on XX/XX/year>. They locked my account and then required verification from me to verify my identity. I submitted all of the required documents ( ID, selfie, other docs, etc ) and they stated they would be able to unlock my account. The whole account is now locked and I am unable to make any more purchases or withdrawals or anything. They dont have a phone number to actually speak to someone. They keep everything via email and have not responded. I need my account unlocked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX NA XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. XXXX has been no help in resolving the issue. I have called dozens of times and each time they say they will request a payoff letter from XXXX. No one has ever updated me on the issue. No one has helped me get this resolved. I paid to have this company help and it was made worse by their lack of follow through with the creditors that they deal with.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, Transunion, and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ALSO - referencing the last activity dates vs closure dates vs the last updated dates vs amounts owed in same month says {$0.00} balance and {$13.00} balance I owe {$0.00} on this account. Also I did not request this account to be closed. The account closed because the company filed bankruptcy and had to close and sent an email which I will attach both my documents of proof to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information is incorrect. These credit bureaus are not even major companies but LLC companies and is adding anything to my credit report. 

The following is incorrect. 

XXXX XXXX XXXX is not me as I have stated numerous times before. Also, anything attached to this last name does not belong to me. 

I have attached my drivers license for your records. Also, my information is for verification purposes to correct my credit report. It is not to be shared with anyone else outside of the credit bureau to validate information from any outside company. Because they should have that information on their own if they are trying to validate a debt. If my information is shared outside of the credit bureau and continue to appear. I will be contacting my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXX  XXXX, PA XXXX I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. 

You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately. 

Below is a summary of the data in which I am challenging : Personal Information for TransUnion NAME : XXXX XXXX XXXX - XXXX I would appreciate if you could take care of any incorrect names in your database. My actual name is XXXX XXXX XXXX. If you have anything in your system that is different from what I have just mentioned, please delete them immediately. 

CURRENT ADDRESS : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX - XXXX, XXXX The only reside at is : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX Sincerely, You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating XXXX5 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Student loan

In XX/XX/XXXX I was contacted by phone from XXXX XXXX XXXX in regard to help with my student loans. I thought it was a legitimate agency but found out through a call from another agency that what we were attempting was possible through XXXX without payment to a third party. When I informed XXXX that I was no longer interested in their services they said I still owed a fee of over six hundred dollars because " they worked on my file ''. I thought I had already filed a complaint online but it must not have gone through because when I called today ( due to wanting to check the status of my complaint and received more correspondence from XXXX ) the lady I spoke to could not find any information for me. I received a notice recently from XXXX that says Attorney Placement Pending for {$99.00} and balance due of {$590.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy Equifax XXXX has told me several times they would delete the inquiries on my account theat were done fraudulently and they have failed to follow through more than 6 times. 
According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I have a freeze on my account never opened this account this is a frustrating situation
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and fair practices, which violates 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 or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently opened a business account with Chase to support my corporation. My account was wrongfully terminated by Chase, by Chase 's own admission. And yet I still have not been able to recover my money. 

I deposited 2 checks ( the first time I had ever deposited checks into this account ) via mobile check scan deposit into my new Chase business account, one for {$38000.00} and another for {$15000.00} both from a reputable company I represent While making the deposit Chase placed a 2-week hold on both checks which was fine as its normal process since these were large amounts and my first deposit. 

After 2 weeks passed I tried to log in online and my account was frozen, so of course I immediately called the bank. They told me that this was because the checks I deposited were flagged as potentially fraudulent, and that I needed to provide phone numbers for the issuer of the checks in order to verify them. Okay, no problem. I provided the information, and Chase claimed that the phone number for the issue was not listed under public domain, so they were unable to verify it. After several days of going back and forth they were finally able to locate a phone number for the check issuer to contact. 

AtI this point I contacted the check issuer and on their end they showed the checks as cleared and as far as they are concerned they can't do anything as the money is already taken from their account. I informed them that Chase would be calling to verify the checks were indeed made out to me and that they have cleared and they said no issues and have Chase call their accounts payable department. 

Chase finally called the company and the company clearly and very explicitly verified that the checks were issued to me and that they had cleared. At this point, the Chase representative started asking a lot of intrusive questions to the issuer of the check such as routing number, account number, tax id info which raised flags to the issuer as the call might be fraudulent so they did not provide that info except to verify the checks had properly cleared their account and that the checks were made out to me. 

After this event, I called Chase once again and they said since they could not verify all they needed they can't do anything, and the account is closed. I asked what is going to happen to my money and they said go back to the check issuer. The check issuer on their end can't do anything as the amount has already been withdrawn from their account over a month ago so I am stuck in limbo. 

Now my account has been closed and I have no recourse of action. Chase has been unresponsive to all my calls and I keep getting switched around from division to division with no end in sight. I have over {$53000.00} which I am unable to access and have no way of getting back as the issuer of the check has already had the funds withdrawn from their account over 4 weeks ago. This seems like a money-making scam on Chases part as they are now collecting interest on my {$530000.00} and have no clue what is going to happen to my hard-earned money.
Product: Mortgage

I have had a VA mortgage since  XXXX  and it has changed hand s ( servicers ) 5  times in that period. The latest took place, I 'm told, in XX/XX/XXXX  from  Ditech  to  XXXX   XXXX . I finally found this out, late in  XX/XX/XXXX , following my inquiries of the new servicer  (   XXXX   XXXX  ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to  XXXX   XXXX  for  XXXX  &  XXXX  but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with  XXXX   XXXX . I provided proof of payments to  XXXX   XXXX  and they endeavored to get these funds from  Ditech  without success until  XXXX  of  XXXX . Throughout this period I have received twice daily dunning calls from  XXXX   XXXX . In  XXXX   XXXX   XXXX   XXXX  claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed  XXXX  Federal Tax returns.  <P/> Attached is how I was informed that my mortgage was now being serviced by  XXXX   XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I I originally wanted deferred payments due to coroanaviris. I thought about it and it would ruin my credit. I called quickenloan to remove it and made a effort and paid my mortgage. I tried to refinance for a lower rates and they told me Quicken loan had me on deferred payments.I told them to remove that from my credit. They said they would. They did not Twiice they did this to me. 
Quicken loans has ruined my credit during this uncertain times and scary times. I have always paid my mortgage each month and been withQuicken loan for 10 years.
Product: Money transfer, virtual currency, or money service

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express provided a reference number that XXXX claims they can not use to locate the payment. I need one of the 2 banks to take accountability and return my funds.