23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date: XX/XX/XXXX. 

On or about Monday, XX/XX/XXXX I decided to open a checking and savings account with JP Morgan Chase Bank. I completed the account opening online at www.chase.com. 

After I was able to complete the verifying of my opening deposits, my checking and savings accounts where open. I went into the branch located on XXXX XXXX XXXX XXXX XXXX, La and spoke to the Branch Manager, XXXX XXXX. 

I informed XXXX XXXX that there was an issue in XX/XX/XXXX where I was add to my current roommate at the time accounts. According to Chase Bank record's I was joint on the account with my college roommate. I explained to XXXX XXXX that I have already spoke to many different people within Chase Bank and was informed that I did not own any money to this account or any other account with Chase Bank. I also informed her that the reason for my visit today is due to the fact that I wanted to do due diligence and make sure once more that this would not cause any issues with my new and current accounts with Chase Bank. 

XXXX XXXX informed me that she would reach out to Chase Bank to an undisclosed department and make sure that everything was "good to go" and that I would not run into any issues with my new and current accounts that I have with Chase Bank. 

After reaching out to an undisclosed department with Chase Bank. XXXX XXXX informed me that I "DID NOT" own and money to Chase Bank or its affiliates and that the account in question from XX/XX/XXXX was no longer being collected on by Chase Bank and that it would not affect my current relationship. 

Feeling better about the issue and at the time having a better understanding I felt confidant about being able to start making deposits into my accounts and being able to utilize them. 

On XX/XX/XXXX around XXXX CST I tried to login into my account via the mobile banking app provided my Chase Bank. I was informed that my account access was suspended and that I needed to contact (XXXX) XXXX and speak with the Support Line. After speaking to the Support Line, and not getting a reason to why my accounts where being suspended. I contacted XXXX XXXX back and informed her of the issues that I was having. She informed me that I would need to contact (XXXX) XXXX, Chase Bank Fraud Department and speak with someone in that department. 

I called and spoke with XXXX at Chase Bank Fraud Department and informed him of everything that was going on. After being placed on hold for sometime, XXXX XXXX informs me that "DUE TO PREVIOUS UNPAID BALANCES" Chase Bank has decided to close all my accounts. 

Enclosing, Chase Bank has not been transparent with it's customers, and provided inaccurate information to it's customers. I am asking that the CFPB and any other government agency please look into these types of matter. After doing some extensive research about these types of UNEXPLAINED" and "NO REASON" provide account closer by JP Morgan Chase Bank. I have found that there are plenty of reports about this kind of treatment towards Chase Bank consumers. 

XXXX XXXX XXXX XXXX
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records trom the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAAN status ( Paid As Agreed, Never Late ) according to consumer protection laws
Product: Mortgage

Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX Problem with Portfolio Recovery Associates for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) Portfolio Recovery original creditor XXXX XXXX  {$1200.00} 2 ) Portfolio Recovery original creditor XXXX XXXX {$420.00} 3 ) Portfolio Recovery original creditor XXXX   XXXX $ {$540.00} I have not done any business with this company Portfolio Recovery A. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( TRUIST ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S NOT MINE.
Product: Debt collection

This company continues to post fraudulent information to my credit report. I've never had any contractual agreement with this. This company purchased this information and some how attached my name to it.
Product: Debt collection

My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX has placed an alleged collection on my credit reports recently. 
I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. 
Furthermore I was never given a notice of this debt nor my right to dispute it. 
I am asking for validation of debt, and proof of notice being sent to me. 
If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and XXXX is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.
Product: Debt collection

Im reaching out concerning Experian Credit Company disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent Experian has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide XXXXXXXX XXXX XXXX with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that XXXX XXXX XXXX XXXX XXXX XXXX all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations XXXX XXXX XXXX and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXXXXXX XXXX XXXXXXXX. Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company
Product: Credit reporting or other personal consumer reports

XXXX XXXX, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX
Product: Debt collection

XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX Balance : {$45.00}.
Product: Debt collection

I found a medical debt on my credit report and called the collection agency in charge of my debt, I.C. System Inc. I had to call several times over the course of the week before I was finally provided information on my account. I was told that my account was sent to a lawyer, which was never disclosed to me. I was given a phone number ( which turned out to be a cell phone ) and a name, along with an account number. From that point, I attempted to contact the said lawyer. I called and called and always get sent to a " ghost '' voicemail. I never receive a call back. When I called I.C. Sytems to explain the issue and my desire to settle this debt, the only information they were able to give me was the same information I already have. I am a consumer making a strong attempt to settle a debt that no one has information on. This debt effects my credit score every single month. I am tired of the company shrugging their shoulders at me. I would like to settle my debt to better my credit score so I can buy a home for my family.
Product: Checking or savings account

Chase Bank sent me notification fraud on my account.i told them someone tried to defraud me. I placed a Security alert on my Credit bureau.

Chase said they have to close my account due to fraud.

I told them I am a law abiding citizen.

I don't steal. 
I told them I only received XXXX XXXX XXXX income monthly I ask them to please give me my funds. 
I don't have funds for food etc.

They said no.

Can you please have them to mail my funds XXXX it may be another XXXX in my account. 
However my account is locked I can't see my account. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.