23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to bring to your attention a concerning issue I have encountered with JP Morgan Chase & Co., a prominent financial institution. My complaint pertains to misleading practices surrounding their credit card locking feature, which has led to unauthorized transactions being processed despite the supposed security measure in place.

As a responsible consumer, I have taken proactive steps to safeguard my financial accounts by utilizing JP Morgan Chase & Co. 's credit card locking feature through both their mobile application and web browser interface. This feature, as advertised, is purported to prevent any transactions from occurring on the locked credit card, providing peace of mind to customers like myself. 

However, it has come to my attention that JP Morgan Chase & Co. has been disregarding the lock status set by customers and allowing certain transactions to bypass this security measure under the classification of " recurring transactions. '' Despite my explicit instructions to lock my credit card, unauthorized charges labeled as recurring have been processed without my consent, leading to unnecessary financial strain and frustration.

This deceptive practice not only undermines the trust between consumers and financial institutions but also poses a significant risk to the financial well-being of customers. By falsely representing the effectiveness of their credit card locking feature, JP Morgan Chase & Co. is failing to fulfill their obligation to provide reliable and secure banking services to their clients.

Furthermore, this issue extends beyond a mere inconvenience ; it raises serious concerns regarding consumer protection and financial security. Customers should be able to rely on the features and safeguards implemented by their bank to protect against fraudulent activities and unauthorized transactions. The blatant disregard for the lock status set by customers is not only unacceptable but also constitutes a breach of trust.

In light of these troubling practices, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold JP Morgan Chase & Co. accountable for their misleading practices. Additionally, I request that measures be implemented to ensure that the credit card locking feature functions as advertised, providing customers with the security and peace of mind they deserve. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this issue and uphold the rights and interests of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy court does not report any information to credit reporting agencies or third party vendors. Per my dispute that was filed with XXXX and XXXX, the bankruptcy item was not deleted because they received information from a third party which is Lexis Nexis however, the information is not obtained through courts and was obtained through public record which is false and not correct. Both credit reports are reporting different dates and courts of record on my credit report which is inaccurate. I demand that the bankruptcy be removed from my credit reports. I have attached a letter from the courts. Thank you
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Kay Jewelers. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.
Product: Mortgage

My business was with XXXX XXXX company and XXXX XXXX. i was refinancing my mortgage from XXXX to XXXX XXXX. After the process was finished 3 months later i received a letter from a company called XXXX XXXX XXXX ( SPS ). i have no idea who they are and why they were sending me a letter stating that the pay off for the refinance was short and i now owe them $ XXXX.i disregarded their letter as i had no idea who they were and my business was not with them. after receiving another letter from them my wife called them and questioned them about the letter and their responds was you owe us. Me and my wife ignored their letters as i said my business was not with them.after receiving a letter from them every month with the amount of money owed escalloping and almost 2 years of harassment i hired a lawyer to get to the bottom of this matter. As time mounted this company SPS put me and my wife on as non payment at the credit Bureau. My wife and i have looked this company up and read many complaints about them. Obviously after my attorney contacted them they have settled and i did not have to pay them a penny owed. But now they have damaged my credit with the credit bureau for the next 7 years with their report to the credit bureau. i want this company to remove their complaint about me and my wife to the credit bureau. Select Portfolio Servicing. Account number XXXX. XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX XXXX sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates located at - PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount {$2800.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

On XXXX/XXXX, I received an email from Wells Fargo confirming an appointment with a banker named XXXX XXXX at the XXXX XXXX, VA branch. XXXX XXXX was copied on the email at XXXX. I never made this appointment and have never spoken with XXXX XXXX. I don't even know who he is. I responded to the email on XX/XX/2023 asking what it was all about and never received a response. I called Wells Fargo on XX/XX/2023 and spoke with a customer service representative who told me the email was probably " fake. '' On XX/XX/2023, I received an email from Wells Fargo reminding me of the appointment. I went to the XXXX XXXX branch that day and spoke with a women who identified herself as the branch manager and she confirmed that XXXX XXXX does work at that location and she would speak with him to have him look into this. I would like to add that I was forced to go to the branch because no one at that location can be bothered to answer the phone. I called several times before having to drive there. I also left a message on XXXX XXXX 's voicemail and he has not responded. 

I called Wells Fargo customer service to file a complaint since no one at the XXXX XXXX branch seems to care about the issue. The representative I spoke with confirmed the appointment was on the books but she had no information about how or why it had been created. She was able to cancel it and start a complaint in my behalf - case number, XXXX. 

I am filing a complaint with the CFPB because I can not trust that Wells Fargo will look into this and provide an honest, detailed explantation. Why was this appointment created and who created it? This seems extremely shady and I do not want XXXX XXXX having access to any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.
Product: Checking or savings account

My card was used for XXXX XXXX dollars unauthorized by me, my XXXX  was hacked and used almost XXXX times for {$250.00} multiple times, i contacted chase got a new card changed my banking details, just to get declined since chase added charges before the unauthorized transactions, such as uber eats, online shopping to purposely deny the case adding charges that i made to deny crediting my account
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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to cease and desist any further unlawful activities concerning my [ credit report, financial account, or the issue at hand ]. This letter serves as an official notice of my intention to stop such actions, which I believe are in violation of [ Fair Credit Reporting Act ( FCRA section 607, 611, 615, 605 and 611 ].

Specifically, I am requesting the following : 1. The reporting of incorrect and misleading information after requesting an investigation by certified mail.

2. I request for removal of erroneous information, cessation of unwanted communication.

As per the Fair Credit Reporting Act and other relevant financial protection laws, I have the right to dispute any inaccuracies and request a halt to any activities that are inconsistent with those rights. I expect that the CFPB will act in accordance with these laws to ensure that my rights are fully protected and upheld.

Please acknowledge receipt of this letter and confirm that corrective action will be taken immediately.

I trust that this issue will be resolved in a prompt and professional manner. Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX
Product: Debt collection

A credit card was fraudulently opened in my name in XX/XX/XXXX with XXXX Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, Credit Corp Solutions ( CCS ) acquired the debt. At some point in the fall of XXXX, I received correspondence from CCS regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from CCS, in XX/XX/XXXX I sent them a letter via XXXX mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, CCS sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the XXXX in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX  was a blank affidavit of fraud that CCS asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to CCS both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from CCS in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : Credit Corp Solutions Inc 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

I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!
Product: Checking or savings account

I had an citizens bank, I had no issues until I put my {$10000.00} check in it that I had received from my tax professional. I went in the bank and deposited monies at the counter, was told my money would be available wednesday. It was not, They held money for an additional 7 days, told me it was banks discretion. I then waited those additional days. The day came for me to access the funds and I paid a few bills that in total was about {$1700.00} or a little less, I went to used the card the following day.I tried access my account online and was locked out and account was frozen. I contacted the bank, they told me that I would get a letter explaining what was happening, They would not talk to me only said wait for letter. I got a letter stating bank relationship was dissolved. I called citizen they said at discretion of bank never mention fraud until i asked, I told them the check was good and i can prove it tax professional had documents of the getting funds day after I deposited. bank said I'd get a check of the remainder of the monies within 10 days that was over 6 weeks ago I haven't gotten any monies back, citizen has now stated I owe them, impossible the account was frozen. I couldn't get in the account, nothing can come out. I feel discriminated against, and taken for a ride.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, XXXX/XXXX/2024, XXXX/2024,XXXX/2024 We sent registered mail to XXXX  XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). XXXX XXXX reported XXXX transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer XXXX  XXXX violated XXXX5 U.S. Code 1666b ( a ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

We purchased solar panels in XX/XX/2019. The solar panels are defective and have never worked. The solar company ( XXXX XXXX XXXX ) went out of business. According to the holder rule, due to the system being defective, we should not be obligated to pay the loan further. We are more than willing to have sunlight financial come and collect their solar panel property, but we have done more than our due diligence to get the panels fixed and it is to no avail. Even if they are fixed, we believe that they will not produce as promised. We believe the loan should be cancelled. The holder rule statement is included in the loan agreement. We also believe that Sunlight Financial had knowledge that the product was defective and still allowed consumers ( including us ) to be financially tied to a defective system and a corrupt company ( XXXX  ).