23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE : Case # XXXX ( JPMORGAN CHASE BANK , NATIONAL ASSOCIATION ) I was refereed to CFPB by Office of the Controller of the Currency regarding the case # above. 
The issue I tried to resolve by contacting directly Chase is about the escrow account my mortgage loan had with them. As you see in the attachment I included in this inquiry my I started writing to them ( after talking to them on the phone ) on XX/XX/XXXX. I sent them a request to cancel the escrow account per State of California law with regards to escrow accounts ( SB-633 Mortgages : impound accounts ). They repeatedly mentioned in their response ( and last time in their response to me on XX/XX/XXXX after I filed the complaint with OCC ) that since escrow account is used to pay for private mortgage insurance of my loan, they can't cancel that. 
Please note that they finally closed my escrow account on XX/XX/XXXX ( letter attached ). This was a few days before refinanced my mortgage loan and moved to another financial institution. However, they did not provide an answer to my inquiry in terms of financial compensation as I wrote to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX. Hypothetically speaking, even if an escrow account was needed for PMI purpose, they were collecting around {$700.00} a month while my loan PMI was only $ XXXX/month ( statement attached for your reference ). 
To help them to understand the situation, I included a breakdown how ~ $ 550/month difference in cash flow can affect someone. 

I would like to ask for your assistance to settle this case with them. 

I appreciate your help. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX  or progressing due to the account still negatively impacting my security clearance.
Product: Money transfer, virtual currency, or money service

I currently have a trading account with the trading app Robinhood. I have tried to withdraw money from the account and transfer it to my bank account several times. Without explanation my account was restricted and I am unable to withdraw the money. I have reached out to customer support several times since the beginning of XXXX and have yet to receive and response or explanation. This is absolutely unacceptable.
Product: Checking or savings account

Bank said account was always overdrawn 
Charges that wasnt mines 
Overdrawn fee
Product: Debt collection

I would like to place a complaint the company or person called my place of employment from a restricted number ..spoke to my boss and told my boss they were going to take legal action and called family members saying they were going to get me fired. The name of the person is XXXX and there is a person named XXXX his extension is XXXX I was able to get their nbr by calling the restricted number its XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Charge-off {$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 I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit card

I attached the photos before. I disputed XXXX transactions with Goldman and Sachs Apple Card. XXXX of these disputes so far were won in my favor with the amounts being {$57.00}, {$62.00}, and {$88.00}. These amounts were never returned to me when I won the dispute. The company closed my credit card account without any reason or explanation and after a month have not provided me with XXXX as per their policy. During the period that my account has since been closed I received emails from Apple that I won these disputes and the disputes were resolved in my favor. The money was never returned to me. The credit card company is just taking the money they owe me to keep for themselves.
Product: Money transfer, virtual currency, or money service

In XXXX of 2023 I mailed a {$500.00} cashier 's check, issued by Chase, to my aunt. The check was stolen out of a USPS mailbox, washed, and cashed. I sent a declaration of unauthorized endorsement to the bank, twice, and Chase has been no help. I call at least once a month and every time I call I am giving a new timeline for results, told that no one is handling my claim, that i must resubmit what I've already mail, and that I can't get a temporary credit. 
I just want my money back and Chase has been careless and useless. I can not get any help or answers.
Product: Debt collection

I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX  reported as negative credit in XXXX and Sold it to XXXX XXXX XXXX, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees
Product: Credit reporting or other personal consumer reports

I place a prior complaint, this people respond with this.. 
We're unable to locate an application or account with the information provided in the correspondence. We're requesting additional information to help locate an application or account and assist further. 

Well if they not find anything i demand they delete this inquire from my credit, because i never request anything from them. open attach i place some proof about the illegal inquire
Product: Credit reporting or other personal consumer reports

Eqifax and XXXX are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out asXXXX.also showing my last payment was made XXXX  also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in PA. Someone with the same name or just used my name, opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They used my SSN to open the account sometime around XX/XX/2022 in XXXX Illinois. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on Experian, and I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called Experian and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like Experian agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
Product: Checking or savings account

Venmo froze my account on XX/XX/2022. I was paid by direct deposit on this day of over {$1300.00} by my current company who I work for. I purchased a coffee at a truck stop ( I am a truck driver, and travel all over the USA ). I then tried to Venmo my husband, XXXX XXXX {$400.00}. We have venmo 'd each other for years and never had any problems before. It told me it could not complete my transaction and then I got an email right then same day froze my account. They will not tell me why they froze my account they asked me for ID and I sent it to him right away I also sent them my marriage license because I changed my last name years ago but my card still says XXXX. I've already changed it with them but just in case I sent it to them. Call after call nobody can help me email after email nobody can help me nothing has changed and they still have my account froze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called Experian and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. Experian request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission.

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Product: Checking or savings account

I had a checking account with US BANK for roughly 4 months. In this time, my US BANK account was overdrafted due to the outrageous fees they charged to my account for a slight negative balance. On XX/XX/XXXX, the {$600.00} stimulus check was deposited into this account, to which I only received {$100.00} from. From what I have learned from the IRS  and US BANK themselves, it WAS ILLEGAL for them to take and withhold ANY amount of my STIMULUS check from me. I have contacted US BANK twice now, both through phone call. I have been given the same answer from 2 different representatives ; that their 'manager ' was in a meeting and would call me later that day. I NEVER received a call back. This is illegal and I want my stimulus check.
Product: Credit reporting or other personal consumer reports

Subject : Request for Full Validation of Account Accuracy Dear Experian Team, I am writing to formally request a full validation of the information you have on file regarding the XXXX account ( account number : XXXX ) as reflected in my credit report. Recent allegations outlined in the Consumer Financial Protection Bureau 's lawsuit against Experian, filed on XX/XX/scrub>XXXX XXXX XXXX have raised concerns about the integrity and accuracy of consumer data handling practices. 

In light of these allegations, I believe that I am a victim of the practices cited in the lawsuit and am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request validation of this account. I am particularly concerned about the verification process you conducted to confirm the accuracy of the above-referenced account. Therefore, I request detailed documentation and evidence used to verify the accuracy of this account. 

Additionally, the last investigation regarding this account was completed on XX/XX/year> ( Report Number : XXXX ) with the result marked as " verified and updated Please provide the following information : Detailed steps taken to verify the account. 

The original creditor 's name, address, and contact information. 

Copies of any documents you used to verify the account 's accuracy. 

Any communication exchanged between Experian and the creditor regarding this account. 

The date the account was closed. 

The date of the last activity on the account. 


Under 15 U.S. Code 1681i - Duty of Furnishers of Information Regarding Disputed Information ; Procedures in Connection with Disputed Information, furnishers of information are required to conduct a reasonable investigation and provide verification of the accuracy of the disputed information. 

I trust that you will treat this matter with the urgency it requires and respond within the legally required time frame. Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation.
Product: Credit card or prepaid card

Unauthorized transactions were posted to my account between XX/XX/XXXX and XX/XX/XXXX, in the amount of $ XXXX. I never received a card which allows access to this account. Provided you cant know what you dont know, I did not know there were unauthorized transactions on my account, when I became aware I immediately contacted institution regarding the transactions. Money Network alleges I set the PIN, I reiterated I never received the card. 
I am reaching out because the company claims my statement of facts is inconsistent and conflicting, I feel this is vague and complete lie, and also an attempt to shift burden of proof on the individual. My account of events has been consistent and I do not enjoy the tap dancing occurring around my issue.
Product: Credit card

Capital one Bank has placed my XXXX credit XXXX card on a restriction. This means I can not use the card. Capital one sent me notice on XX/XX/year> about an account closure. The noticed stated that my account would be closed within XXXX  days of the notice but failed to do so. The account ending in XXXX is currently still open and reporting to the credit bureaus. Capital One has lied, mislead, and abused me. This violates all my consumer rights. In XXXX I asked for the card to either be reinstated or fully closed. Capital One responded with the need to verify my identity for this request. Ive submitted the same documentation to open the account ending in XXXX initially as I did when they asked me to verify my identity. I dont know why they are now not accepting my documentation but I have spoken to several supervisors and a couple managers in regards to this matter.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX  Account # 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

I have a private loan with Navient. I am trying to pay my loan ; however, I do not currently have the income to make the entire payment. I have been trying to get the payment reduced for almost a year now, but they will not allow it. The only option I am given is to pay {$100.00} to put the loan in forbearance for one month. However, their " sister '' company has a program in place to allow you to pay based on your income, which is much more reasonable. I do n't understand why Navient would not have a similar option available, especially in an economy such as ours. It is understandable that people are not able to pay there loans in the amount they are demanding. They should by law have to offer more payment options so that you can pay your bill and not have your credit negatively affected. This process seems unfair and in many ways illegal. I am hoping something can be done about it. I really someone to help me on this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been paying my rent monthly to my landlord via Appfolio, an online portal that helps tenants pay rent and other charges online to their landlords. Starting XX/XX/2023, when I went to pay my rent in advance, there was a {$2.00} transaction fee added to the total. I called my landlords, and they said that Appfolio sent out a notice claiming this fee will be added onto all online rent payments starting XXXX ( I never got this notice ) and the fee is going directly to Appfolio and my landlords can't change it. I can avoid this fee by delivering or mailing in a rent check. However, this fee is ridiculous - online payment of rent is common practice, and passing a " transaction fee '' cost to the rent is unreasonable! I am not a customer of Appfolio- I am a customer of my landlord, and having an online portal for paying rent has helped save me time and stress! Now I have to make a monthly trip to my landlord 's office to issue rent in order to avoid this fee. Additionally, Appfolio 's service didn't improve at all over the past 18 months I've been with this landlord. They are increasing the cost of their service without necessarily increasing the quality of their service. It's very clearly a junk fee and just an additional cost to consumers and renters for no reason. Additionally, this transaction fee is PER transaction e.g. if a renter needs to pay their rent in 2 payments, they would be charged {$2.00} for each transaction. It's completely dismissive of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete inaccurATE ITEM ON MY CREDIT REPORT I HAVE DISPUTED XXXX XXXX XXXX FOR THE PAST YEAR. DUE TO IT BEING FRAUDULENT, IT WAS DELETED AT ONE POINT AND THEN IT WAS PUT BACK ON MY REPORT. EXPERIAN STATED THAT THE COMPANY TREATENED THEM SO THATS WHY THEY PUT IT BACK ON.
Product: Credit reporting or other personal consumer reports

I have recently disputed a XXXX XXXX account XXXX XXXXXXXX. This account is fraudulent and is not my account l. I've disputed XXXX and asked for proof and also the credit reporting agency. The response back from the agency is they have verified the account. 

15 USC 1681I ( 7 ) method of verification This law demands proof of the investigation that took place to verify the account.

If the credit reporting agency can not provide it they must delete the account.
Product: Bank account or service

My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence.