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

XX/XX/2022 a check was deposited into my JP MORGAN chase checking account. XX/XX/2022 the check cleared with the bank I wrote my check from. On XX/XX/XXXX I went to the bank to get a statement proving my check cleared and took that statement to JP MORGAN. The branch manager refused to assist me with having my money released. She photocopied my bank statements and scanned them into the system and told me to call the chase deposit review. I called the chase review and they lied stating that they wont release the funds because XXXX XXXX didnt provide them with enough information for my check to be able to clear. I spoke with someone from XXXX  who said that doesnt even make sense and why would they prevent me from receiving the check when its been cleared on their end. 

This isnt the first or second time JP MORGAN has done this to me. They have a problem thinking they can withhold peoples funds that they never put there in the first place. This company is known for the way they lie scam and cheat their customers. They do it often and they do it well. I kept this bank open simply because it was my longest opening account, and as soon as this money clears I will be closing the account entirely and still following up with complains. Im thanking myself I didnt choose this establishment to handle any of my estate affairs because they choose to make everything impossible. I have to wait until XX/XX/XXXX for a check that has been cleared since XX/XX/XXXX and they have had proof since XX/XX/XXXX. They hide behind their desks and their phones reading a stupid speech yet cant turn the monotone robotic voices off to help someone that can easily be assisted. Im looking into if others are currently going through this because JP MORGAN deserves another class action settlement against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Bank of America. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XX/XX/XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX area. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.
Product: Credit card or prepaid card

On  XXXX  I made a purchase at Best Buy using my Best Buy Credit Card. At the time of purchase I stated to the store rep. to place part of the purchase on my best buy credit card for 24 month  XXXX  interest financing and the remainder on a debit card.     The transaction showed approved for {$1500.00} on the Best Buy Card. I asked and confirm if this was a credit limit increase as my credit limit was {$1500.00} and approximately {$1000.00}. Best Buy Store said yes. The remainder of the purchase was purchased with debit card. I made the purchase. There was no  Truth in Lending  or Fair Credit Reporting act documentation.     After receiving the bill/statement I was shown that I was {$590.00} over my credit limit which decreases  my credit score and  puts me in jeopardy of losing my special financing.     I asked Best Buy Credit Card managed/owned by   Citibank to increase my credit limit to the total balance amount of {$2000.00} and they refused.
This is a violation of my rights under both Truth and Lending and Fair Credit Reporting Act. Please have Best Buy Credit Card managed/owned by Citibank increase the credit limit without application for credit as this was approved without application for credit    increase.
Product: Credit card or prepaid card

I have bought a headset from XXXX for XXXX dollars which arrived defective and does not work. I tried to resolve the issue and requested to return the item and get a full refund. But XXXX refused and so I disputed the charge with my credit card company capital one and they did NOT resolve the issue and just rebilled me for the disputed amount of XXXX dollars the case number at capital one credit card is XXXX Also I bought watches from XXXX for XXXX dollars and they arrived missing parts and defective and the seller only refunded me XXXX dollars as a partial refund for the defective items. But I paid XXXX dollars so XXXX disputed the charge with capital one but capital one did NOT resolve the issue and rebilled me for the disputed amount of XXXX which the seller still owes me from the total that I paid him .I was scammed with defective items and capital one is NOT helping me at all and charging me back the disputed amounts The case number at capital one credit card XXXX I want capital one to refund me the 2 charges I disputed and they rebilled me for them which are XXXX dollars case number XXXX And the XXXX dollars case number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made two transfer from my credit karma money account into my XXXX XXXXXXXX XXXX  account. 

I made one instant transfer of {$730.00} And one standard transfer of {$1000.00} The instant transfer asked for my debit card information while the standard transfer was sent to my bank account directly. 

I NEVER received the instant transfer of {$730.00} dollars into my XXXX XXXX account. 

The {$1000.00} standard tranfer got to my account 2 days later. 

I have been disputing and appealing this since XX/XX/XXXX. 

Multiple people I have spoken to have admitted to me that this case is concerning and that they dont know where my money went. 

In an edition to that, I believe this was a glitch on the websites part considering the daily transfer limit is {$1000.00} so how was I able to transfer XXXX? 

Ive spoken to my bank and they have no record of that transaction. When I ask credit karma to tell me what bank or what account the money went into they tell me they do not have any information on the receiving institution but then how can they say that my financial institution confirmed receiving the money? 

At this point I have spoken to 10 different people who keep telling me a supervisor will call me or email me but it never happens. 


It is extremely unfair that I am having to deal with their mistake. 

I have not been able to pay my rent because of this.
Product: Student loan

I have been working as a social worker working in a public agency since XXXX. I have asked my loan servicer, Navient, several times over the years about enrolling in the Federal Public Student Loan Forgiveness program and each time was advised that I am not eligible because the amount of my loans is too low and would be paid off before the 10 years is up. I recently re-applied during the COVID-19 pandemic in XXXX of XXXX because my loan total has not decreased despite 9 years of consistent payment and it is no longer affordable for me and I was approved. Unfortunately, none of my previous payments were counted as eligible payments and my timeline for forgiveness started at XXXX  months. Despite my ability to prove that I have been eligible and been working for the same agency for the past 6 years, I can not get any of my payments to count towards forgiveness despite the fact that I was intentionally mislead and enrolled in an income-based-repayment plan despite being eligible for a more forgiving plan. I would have had my loans paid off by now had I not been misdirected over several occasions by Navient over the years and believe that this is a form of fraud as many of other eligible graduates have similar stories.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment due date of XX/XX/2023 In the amount of {$310.00}. Due to financial issues and it being the holiday time, I was unable to make my payment on the exact date of XX/XX/2023, I made the payment on XX/XX/2023 - EXACTLY 28 DAYS LATER. Citizens Pay is reporting me 30 DAYS late with XXXX XXXX XXXX AND 60 DAYS LATE WITH XXXX. I have disputed this XXXX  2023 30 day late payment a total of EIGHT TIMES. Each time, Citizens Pay verified all information as correct and the account was unchanged. Per the FCRA, an account can not be reported 30 days late if it is in fact not paid after 30 days! I have written in to Citizens Pay, to no avail, I have sent an email to the Vice President of the company, to no avail. No one is doing anything. 

The erroneous reporting of this 30 DAY LATE FOR XX/XX/2023 caused me to be turned down for a newly built home with XXXX XXXX XXXX!!!! As a single mother of XXXX children, renting a home in this terrible financial climate, missed my chance for a new home due to the reporting of this 30 day late for XX/XX/2023. 

Attached, you will find the XXXX statement from Citizens Pay- with proof that the due date was XX/XX/2023 ; I am also attaching a payment history statement from Citizens Pay showing my XX/XX/2023 payment being made on XX/XX/2023. I have also attached the letter from XXXX XXXX XXXX declining my opportunity for a new home based on the ONLY NEGATIVE ITEM ON MY CREDIT REPORT WHICH IS A 30 DAY LATE PAYMENT BEING REPORTED BY CITIZENS PAY FOR XXXX OF 2023 ; Lastly, I attached a current printout of the payment history for this Citizens Pay account from each credit bureau - XXXX showing 30 days late for XX/XX/2023 ; XXXX showing 60 days late for XX/XX/2023 and XXXX showing 30 days late for XX/XX/2023. 

Just because a payment is not made on the exact due date, that does not give you the right to report the payment as 30 days past due! The Late Payment calculator begins one day after the due date... For example : Due Date XX/XX/2023 : XX/XX/XXXX - ONE DAY LATE XX/XX/XXXX - TWO DAYS LATE AND SO ON AND SO FORTH ... ... ..... 
Again my payment was made on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This may include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$6400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX XXXXn regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I have incorrect information dates and address reporting to my consumer report please update and remove old and inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX to file a dispute. The reported information to TransUnion and XXXX was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Product: Debt collection

Repeated harassed calls and have advised them I did not open a account with them
Product: Vehicle loan or lease

on XX/XX/2015 I financed a vehicle with Santander Consumer USA in the amount {$14000.00}. After over 5 years of payments I now owe Santander {$12000.00}. After XXXX payments on the account were paid I have paid a little over {$22000.00}, and somehow I still owe Santander {$12000.00}? This is robbery. By the time I'm done paying off this {$14000.00} vehicle I would have paid more than {$34000.00}. I have contacted them numerous times to work with them to reducing the interest rate. All of which has been denied. This should be illegal. I have tried to trade in the vehicle and finance with a different company to attempt to just get out of the loan and the cost would outway the worth. This company needs to be sued. They are theives and practice predatory lending. I would do anything to get out of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : 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 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Compliance Department, I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( CMI ) of the information contained in my consumer report that your agency has furnished. In the credit world, CMI refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX / XXXX
Product: Debt collection

I recently pulled a copy of my credit report to find an account listed as charged off and name spelled incorrectly. I attempted to dispute this debt with the credit bureaus to no unveil, resulting in filing a complaint
Product: Credit card or prepaid card

I had received a large amount on my card around XXXX of XXXX I used about XXXX of it and went to jail. When I got out of jail my dad had died and I went to take care of my little sister out of town. I finally went home some months later and realized that I still had money on my card. I noticed that the card was missing so I called and they reviled that almost XXXX had been taken. Beauty salons, bank transactions that were not me. So I send in dispute they acknowledged that it wasnt me that had made the transactions I signed papers and sent in a complaint with card holder services. They write me back XXXX weeks later saying that I benefited in my card being stolen so they wont refund. How did they figure that? Like my card was stolen and money was taken out without my permission and they say I had to have benefited in this theft of mine, like what sense does that make?
Product: Debt collection

The amounts not owed I dont know this debt or received anything from this company. They texting a calling. Me nonstop I ask them to sease communication
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

Community Loan Servicing , LLC services a commercial loan that I have. 

I recently discovered a problem with the impound account and property taxes and brought it to their attention on XX/XX/XXXX. 

I emailed a XXXX XXXX XXXX XXXX that I had previous contact with. He responded quickly and let me know he does not service my account anymore and XXXX XXXX is my new asset XXXX. XXXX was on vacation but upon his return we were able to navigate through most of the issues, mostly with XXXX 's help. 

We were about to wrap it all up and I had XXXX questions for XXXX. 

I asked XXXX those questions via email on XX/XX/XXXX. He responded with generic answers for specific questions I had. I replied to his email and asked him again for the answers. That was the last time I have heard from XXXX XXXX. 

Since I heard nothing I followed up with XXXX XXXX. 

I did not hear from XXXX so on XXXX I went on Community Loan Servicing , LLC website and sent an email to their general customer service email asking them for help and giving them 24 hours before I filed a complaint with CFPB. 

Almost 72 hours later, here we are, as I have not received answers to my XXXX questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/22, Synchrony Bank Paypal Credit Card and Mastercard are reporting 60-89 days late. In accordance with the Fair Credit Reporting Act this creditor ( Synchrony Bank PayPal Credit/Mastercard ) has violated my rights under 15 USC 1681 Section 602, which stats I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both accounts have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written notice to XXXX XXXX who acts as CEO of JPMorgan Chase and XXXX XXXX XXXX, Co-CEO of JPMorgan Chase that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. My right to privacy has been dishonored. I demand all payments, and money be returned by check, I also demand the cancelation of any contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.