23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE when I applied for a Chase Visa Signature business card account XXXX I was notified of this transgression of my rights, specially 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE on XXXX via U.S mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ). J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages. This action hurt me and my business.
Product: Vehicle loan or lease

Auto loan with two signatures, my own as Step-Father to my Step-Son, a member of the U.S. military and the principal driver of the used vehicle. Loan has been paid on time and has approximately six payments remaining to completion.

Requested a lienholder agreement to have the vehicle shipped by the Federal Government from XXXX  to XXXX  due to XXXX XXXX. Seven phone calls and a variety of promises made brought an extreme amount of discontent, emotional distress, and absurd inconvenience. On several of these seven occasions ( which the bank indicates they have documented ), staff members promised the delivery of said letter. Indeed, they assured that it had been physically mailed on XX/XX/2021. When never received, on two instances members of the bank 's staff indicated they had satisfied the need and request by emailing a secure document, only to find that the document they had securely sent was merely a scan of the original sales agreement, not a permission letter to transfer the vehicle 's location.

In the meantime, my son had to ship out, so his vehicle now remains in XXXX. We have finally been provided the lienholder agreement, but in the interim he is suffering costs which would not have been necessary for XXXX  and Rental fees.

The bank indicates that, because they have finally delivered the document that was required, there is no accommodation, consideration, or reduction in balance that can be provided us in courtesy or compensation for actual damages, emotional distress, and/or inconvenience. We have escalated our requests all the way to a corporate officer, who indicated they would " document the call '' but that no remedies of any type would be extended.
Product: Vehicle loan or lease

Around XXXXXXXX I purchased a XXXX XXXX XXXX through credit acceptance. I was charged XXXX to walk off lot for car after a XXXX loan. I came back in a few weeks around XXXX XXXXXXXX and they charged me XXXX because my payment was late in order to get my keys back. Said it was an interest fee. Interest rates are too high.
Product: Payday loan, title loan, or personal loan

Repeated loan offers that havent existed for people of XXXX like me for over 10 years of trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.
Product: Mortgage

XXXX XXXX ( XXXX XXXX ; XXXX, TX ; DBA Supreme Lending ) owns mortgage and buyer escrows funds for property taxes ; however, lender did not pay 2014 city and county property taxes on time. Result is XXXX XXXX tax liens in my name, public records of liens, and record of tax liens on my credit report. 
I am not the homeowner who has an account with the lender. I sold the property to their customer. I paid my portion of property taxes at closing and had no legal obligation to ensure taxes were paid. However, due to county process, my name was still on record as homeowner. I learned of late payments because I coincidentally ran a credit report.
Product: Credit card or prepaid card

Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time. 

The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust. 

We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card. 

Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt. 

We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not. 

We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.
Product: Checking or savings account

I opened my account with Wells Fargo on XX/XX/XXXX via online, along with the XXXX account attached to it. On XX/XX/XXXX I went into the actual brand to make my XXXX deposit of {$1800.00} in cash and a {$300.00} check, for a total of {$2100.00}. On XX/XX/XXXX I received an email that Well Fargo had closed my account and drained the funds from it. I went into the branch and they told me it was because of the {$300.00} check, the teller XXXX said the check needed to be verified. I gave them all the contact information to the company and Wells Fargo told me they would contact me in XXXX business days. No one ever XXXX emailed me about anything. On XX/XX/XXXX i received another email stating my account had been closed again. I tried calling Wells Fargo where they transferred me to the XXXX department, the lady on the phone said she could not disclose what was going on with my account via phone. I would have to go into a branch. On XX/XX/XXXX I was finally able to make it to the actual branch and I spoke with XXXX again. She stated that on XX/XX/XXXX, the same day I opened my account, a fraudulent check tried to be deposited into my account via mobile banking. I asked for proof of the check as that was not me and I would like to see it, plus it never reflected on my online banking that anything was trying to be deposited, they said they could not show me. They told me there is nothing I can do to try and prove it wasnt me and that this fraudulent check would go on my banking record. Wells Fargo then told me good luck trying to open another account at a different because they will run my report and see that I tried depositing a fraudulent check. I believe Wells Fargo and the XXXX system are not secure. Now I am not able to open a bank account, I keep getting denied.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to Experian, XXXX, and XXXX that a thorough reinvestigation into these accounts is imperative. 
Account name : XXXX ACCT # XXXX Account name : XXXX XXXX # XXXX Nevertheless, they affirmed that all aspects were duly fulfilled and precise. Yet, one can not help but wonder how such a feat is possible when crucial details like the commencement date, the date of the latest activity, and numerous other factors are blatantly incorrect. As per the provisions outlined in 15 USC 1681 ( 5 ), it is incumbent upon them to rectify any accounts that are erroneously reported.

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 an 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. 

I have evidence to prove my case
Product: Debt collection

Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.
Product: Credit reporting or other personal consumer reports

I called my mortgage provider PennyMac to enquire about a HELOC loan on my equity He asked to pull my XXXX credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an XXXX report. 

I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this
Product: Credit reporting or other personal consumer reports

Discovered this account on my credit report and reached out to the company but they could not find a record of an account in the system. They asked for more personal information to identify me but I refused because they could not find anything with my name or address.
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future. 

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by Navy Federal Credit Union and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Product: Debt collection

For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Debt collection

I received a notice from my credit monitoring app that my score dropped due to a new collection account. When I logged in, I noticed a collection from Medical Data Systems. I was not notified in writing from this company that they were going to put this on my credit and according to the Fair Debt collection act, I 'm supposed to be given ample notice and time to dispute and research the information. This company did not follow the rules that govern Fair Debt collection practices.
Product: Checking or savings account

Received a letter dated XX/XX/XXXX, signed by XXXX XXXX XXXX of Wells Fargo Merchant Service 's Executive Office stating that " You no longer hold an outstanding collection balance with WFMS '' ( see attached ). Received a subsequent letter dated XX/XX/XXXX, from the Wells Fargo Overdraft Deposit Collections and Recovery ( ODCR ) Department stating that I have a balance due of {$130.00} for my closed account ending in XXXX ( see attached ). I called the ODCR Department on Wednesday XX/XX/XXXX, at approximately XXXX XXXX and spoke with a person who stated that their name was XXXX. I was then transferred to another person who stated that their name was XXXX ( employee # XXXX ) in the XXXX XXXX XXXX. She confirmed that I had a {$0.00} balance and then transferred me after I requested a written letter showing nothing owed. I then spoke with a person who stated that their name was XXXX ( employee # XXXX ) who stated that I have a {$130.00} balance. This entire process was completed at approximately XXXX XXXX -- 48 minutes later, after extended periods of holds. My old business account was closed by them because I refused to pay their overdraft, and NSF fees generated from my former merchant 's account. I voluntarily closed my personal checking and savings accounts, as well as my business savings account due to excessive fees levied after their lawsuit for opening illegal accounts for thousands of their " valued '' customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idaho housing and financial FHA mortgage company XX/XX/21 Amount of {$1400.00} marked late Idaho housing has refused to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Mortgage

I paid off my mortgage with PFCU. The transfer actions attached. 

However, there is a discrepancy with the payment application. 

On XX/XX/XXXX, I paid accrued interest of XXXX ... and then paid XXXX accrued interest for one day from XX/XX/XXXX-XX/XX/XXXX! Further, the transfer amounts do not equal the amount applied to the mortgage leaving a balance of XXXX which should at a minimum be a credit with accrued interest. 

When I asked the question of PFCU, silence.
Product: Debt collection

Northstar LLC called almost every day and at least for well over a month finally I called them. They said it was regarding a family member. I told them haven't had contact with them for over nine years. They apologized and said they would stop calling. This created a great deal of stress.
Product: Debt collection

I am showing on my credit report that this company is reporting an incorrect debt on my report. I am showing on my credit report that debt collections company " commercial services group '' is reporting a debt in the amount of {$580.00} for XXXX XXXX in which is a telecommunications company in the state of XXXX in which I do not live. I have disputed this several times and I have sent over valid photo ID showing that I have lived in XXXX  since XXXX and since have moved to the state of Virginia. I did not live at the address that they are stating that this service was established at. I have sent over supporting documentation and I am demanding to have this inaccurate debt removed from my credit report.
Product: Checking or savings account

My Bank is the XXXX XXXX XXXX On the XXXX of XX/XX/2023 someone gained unauthorized access to my online bank account and attempted to transfer money to themselves at Well Fargo Bank. My bank sent me an alert of the pending transfer and we were able to stop it. 

The same individual using different address, but the same Wells Fargo Bank account hacked into all of my financial accounts along with Spoofing my Cell phone thereby intercepting the XXXX authentications that my financial accounts send out when I do online transactions. 

I was able so far to stop all unauthorized transactions. I also replaced my XXXX card in my Cell phone with the phone company so that it was no longer being Spoofed. 

My bank said I should file a complaint and talk with Wells Fargo Bank. I talked with the service rep for Fraud at Wells Fargo Bank. ( really a waste of time ). I explained what had transpired, to include the banking and personal information of the hacker. I recommended that they freeze this hackers account as he was stealing individuals ' money. While he could see the individuals account number I provided, he said he could take no action. If I had lost any money that my bank would work a dispute resolution with Wells Fargo Bank. 

In addition to the attached photo of the transaction the hacker name and email are ; XXXX XXXX Email XXXX. this individual switches the first and last name from transaction to transaction
Product: Debt collection

I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX   XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX