23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2023 -- Someone opened and account with JPMCB / Chase with my name and address. Received credit alert on XX/XX/2023 from XXXX. 
XX/XX/2023 -- Tried to use the JPMCB / Chase opened in my name for an amount of {$2100.00}. 
XX/XX/2023 -- Received Chase Fraud alert messages on my cell phone on charges tried on the Chase card. Messages was as follows : " Chase Fraud : We declined {$330.00} with card ending XXXX  at XXXX XXXX. Was this you? Reply YES or NO. '' XX/XX/2023 -- Received letter via regular mail from Chase Cardmember Services at XXXX. Called them and stated that I do not have ANY accounts with Chase at all and that the card was fraudulent. When talking to them, also checked with my ID Theft Service from XXXX and found out that someone tried to change the address for the fraudulent credit card from my address to the following address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX.
Product: Debt collection

XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Portfolio Recovery Associates, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXXXXXX XXXX XXXXXXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is a defamation to my character
Product: Mortgage

We moved XXXX in XXXX and our renters in our home stopped paying rent so we were unable to pay our mortgage starting in XXXX. The foreclosure on our home took quite a long time and is therefore still on our credit report. I 'd like to complain of prolonged process and hardship for this foreclosure and have it removed from our credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX XXXX and Equifax continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I was completely caught off guard when I noticed some wrong accounts showing up on my credit report tonight. Ive always kept an eye on my report, and this time I was horrified to see discrepancies I didnt expect at all. I even refreshed the browser just to see if it was some kind of technical glitch, but unfortunately, the mistakes stayed. Im requesting that the documents Ive provided are reviewed carefully, so I can stop worrying about this once and for all.
Product: Vehicle loan or lease

Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application
Product: Payday loan, title loan, personal loan, or advance loan

in Short- i applied for a XXXX XXXX through Bank of America , i went back and forth with them and all my available documents, they approved the loan. After finding out XXXX contractors are not allowed in calculations, i paid out the received funds ONLY per XXXX rules. im being denied by XXXX as they say i never should of received the loan. I had to certify with Bank of america that i in fact PAID XXXX contractors, its in their application, which according to one of the XXXX judges, is a modified XXXX form, not the actual XXXX XXXX form. 
im being denied as if i did something wrong, short of including XXXX pay in my calculation which BOA approved, i FULLY paid out the funds 100 % per XXXX Guidelines Hello, i Truly need your Help, My name is XXXX XXXX and I'm the owner of XXXX XXXX XXXX XXXX out of XXXX CT. I filed for a XXXX loan and it was approved by Bank of America in XXXX of 2020. 
i Filled out the Banks application and provided them with all supporting documents, after some back and forth they finally Approved the loan. 

Fast forward, I submitted the forgiveness and am being Denied as i included XXXX contractors in my calculations- ( Which the Bank asked me to Certify-in there XXXX ). 

upon finding out that XXXX people were disallowed, i paid out all received funds PER XXXX Rules, i followed 1000 %. 

I am being Denied as XXXX states I never should have received this loan, This falls back to Bank of America, now im facing Financial hardship as I shouldn't have to pay this back, this is sinking me and I'm at the end of my road. I have re appealed the XXXX, filed a complaint with senator XXXX and XXXX also sent requests for help to XXXX law Firms as this is XXXXriminal and morally Wrong. All I did was what I was supposed to, following the form, submitting docs and paying out. I should not be penalized for this ... .. Bank Of America also has a class action Lawsuit in CA over this same exact issue, The bank falsey approved loans, collecting their processing fees and not caring if they were causing more harm than good. This is Criminal and they need to be held accountable..

in Short- I applied for a PPP loan through Bank of America , I went back and forth with them and all my available documents, they approved the loan. After finding out XXXX contractors are not allowed in calculations, I paid out the received funds ONLY per XXXX rules. I'm being denied by XXXX as they say I never should have received the loan. I had to certify with Bank of America that I am in fact PAID XXXX contractors, it's in their application, which according to XXXX of the XXXX judges, is a modified XXXX form, not the actual XXXX XXXX form. 
im being denied as if i did something wrong, short of including XXXX pay in my calculation which BOA approved, i FULLY paid out the funds 100 % per XXXX Guidelines
Product: Credit reporting or other personal consumer reports

on or about XX/XX/2024 this writer applied for membership at XXXX XXXX XXXX. This writer was denied due to incorrect and/or fraudulent information attached to an account reported by Chexsystem. I filed a complaint with chexsystem and requested that they remove the incorrect / fraudulent information from their system, but they have refused. chexsystem is a third party company that lacks knowledge of what occurred between this writer and the negative account listed with them. Chexsystem has just engaged in Defamation per se by reporting incorrect and fraudulent information to a third party. In addition, chexsystem is in violation of 15 usc 1691. This writer does intend to file a civil lawsuit against chexsystem in the coming weeks, however this writer needs this fraudulent account removed ASAP, as it is hurting this writers employment, finances and way of living and preventing this writer from financially advancing in the world.
Product: Bank account or service

this is add on from my previous complaint with JP Morgan Chase Bank. the week when i found out about JP Morgan Chase Bank placing a pending closure /freezing my funds on my checking account. 
I went to the XXXX XXXX Chase Bank Branch, spoke with bank rep, manager, then Bank Rep manager branch called JP Morgan Chase Bank corporate, discuss my issue, stay in there for an hour. after all the discussion with Chase Bank branch manager, I should not be worried about the bills payment i had issued drawn to my checking account. all issued bills payment are going to be paid by Chase Bank via my checking account regardless of the pending closure/ freeze funds. 
& gt ; no worries ... 
Well that did not happen. XXXX was XXXX of the merchant i issued a bill payment. Since the bill payment was taken back by JP Morgan Chase Bank which made it worst. XXXX place my account on a limit status & gt ; No online payment, no credit or debit payment. all payments must be paid on XXXX kiosk at a location for a year. 
This is an outcome from jP Morgan Chase Bank actions. This is not my fault & lt ; i spoke to XXXX but damage has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I reported to Experian that a XXXX  Credit Card did not belong to me. I also made Experian aware that XXXX have removed that account from my credit file. 

In respond to that incident Experian removed that account and dropped my score down XXXX points! Again, I am reporting Experian for their scoring method that is draconian and destructive and by no mean is put in place to help people to improve their credit score. 

No one at Experian can give me a sensible and truthful reasons as to why my score dropped. If the account did not obviously belong to me, then why once again I am being penalized for it?
Product: Debt collection

P & B Capital Group started with their harassment calls in XXXX of XXXX. My first call was from a man whom identified himself as XXXX. It was a very aggresive, threathing call I blew off as a scam because XXXX could not tell me the company they were coming at me for collections for.Just said he was with P & B. When I told him I didnot have an account with him, he said that yes, matter of fact I do. I told him to put it in writing and he said he already had. IHe was asking questions and I told him if he did in fact have an account with me, he would know my address. At that time I was renting a po box and I told XXXX the address and hung up on him because he was only wanting to argue at me. I received another threating call from XX/XX/XXXXXXXX  that sounded like XXXX. Since I never received anything, I hung up and didnt let him threaten me. I have several numbers because of the verbal attacks, I stopped answering long distance numbers and they did not leave any voice message. I would eventually all number where the calls would go straight to voicemail but P & B never left any messages. 
Those were past problems and now I am gon na speak on the more current issues with P & B. I received an email from XXXX XXXX on XX/XX/XXXX asking me if I opened a new account? Was it mine and that account was from P & B Capital Group LLC and that they had also checked my XXXX report. Several missed calls, I called back the missed call XXXX ( XXXX ) XXXX from this morning sinse it came twice. When I called, I asked what number i reached and to whom was I speaking too. The man said his name was XXXX ( he sounded an awful lot like XXXX ), and that he was with P & B. He started demanding I pay or give the merchandise back. When I asked what the merchandise was, he only told me the name of Purchasing power. I told him to put it in writing. He told me no that he already had and quoted my last address. I told him I did not live there anymore and that I did not tell him my home address but gave him my po box mailing address. Again, I asked him to stop calling me to put it in wrighting. He said no, he already had. I told him that I was registered with USPS for Informed Delivery for my home address and my po box and I receive a digital scan of any mail I get so I knew he was lying. He then said okay, XXXX then said okay, that he would send it out and asked my adress. I told him my mailing address to my mothers home but not to harass here because I had already got the business card off her car that said P & B last XX/XX/XXXX. I hung up because I told him I had right and he had laws he had to comply with. I hung up while he was laughing. A few hours later, I missed two calls coming in but i called them back XXXX ( XXXX ) XXXX. A man named XXXX answered and said nobody call me. He hung up. I have received text messages from P & B also. I have received three text messages also. XXXX ( XXXX ) XXXX / XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX / XXXX ( XXXX ) XXXX and many more numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX
Product: Debt collection

This is regards to a wage garnishment that has been placed through a third-party collection agency for a vehicle that is reflecting on my credit plus wages are being garnished at the time of having the vehicle I hit a deer the vehicle was not fixed properly. I request the company to contact the insurance company to see if the vehicle could be fixed, the company did not want to help me get the vehicle fixed properly the vehicle was taken I have reached out to the third-party company in which I received paperwork from the company to request a fair hearing. I do not agree with the amount of wages that the company is garnishing from my check I have yet to hear anything back about a fair hearing From this company
Product: Debt collection

West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Checking or savings account

I filed a complaint here about shoes that I ordered and PAYPAL 'S REFUSAL to honor their ironclad warranty for buyers of products. 

They closed my original buyer resolution complaint without issuing a refund. 

Now I checked to make sure that complaint is still under the pending section and it again is under the closed section. Keep in mind before I wrote the last complaint i went through the activity report and filed a new complaint because it was marked as " closed '' Seeing that the complaint is closed I tried to do reopen another one and now it would appear that the transaction is not even in the history. 

Also when the cards to this account are being used the parties are being asked to present ID this violates XXXX operating rules and I would like it to IMMEDIATELY STOP for all cards on this account ( XXXX XXXXthis complaint is to be added to the contemporaneous record to be given to our legal staff for further prosecution of this claim if needed.
Product: Checking or savings account

Capital one bank really screwed me over my bank account is negative XXXX dollars, I cant even go buy formula for my XX/XX/XXXX. Pay day is today and then they go and send and email out at XXXXXX/XX/XXXX when it should of been sent in the morning and say most of it will be fixed today and the rest by Friday early morning. Well today was over when you sent the email at XXXXXX/XX/XXXXnd now here it is Friday morning XXXXXX/XX/XXXX and I still cant pay my bills and Im still going negative.