23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There is a service called JPAY for sending commissary money and messages to XXXX. They charge {$9.00} for each money transfer by credit card. They also charge a fee to send an email to a XXXX. These exorbitant fees are just plain greedy exploitation of XXXX  's families.
Product: Credit card or prepaid card

I would like assistance disputing several transactions on my account. I did not realize that I could do this and after filing a complaint with the Attorney General I have been advised that my recourse is to go through my bank. I have contacted XXXX  XXXX and been refunded in full but Wells Fargo on teh other hand does not seem to be as helpful so I am turning to you for assistance since I get nowhere when calling. To make a long story short, last year after watching a video on my XXXX feed about a guy who had quit his job because of this program. After speaking to the people I was assured this as a no-risk program and not to worry they will help every step of the way The first payment to XXXX  XXXX  XXXX, XXXX showed on my statement as XXXX  *XXXX  for XX/XX/19 {$590.00}. They also go by the aliases XXXX, XXXX, and XXXX  XXXX, XXXX. Under these aliases on XX/XX/19, I paid {$12000.00} from my Wells Fargo checking account check # XXXX. While I begin sourcing items through XXXX XXXX told I need to have services from XXXX XXXX XXXX for {$8000.00} on XX/XX/19 and then was contacted by a company named XXXX asking for {$4000.00} for tax services they reduced this fee to {$350.00} and never did anything for this payment. Then comes XXXX XXXX  XXXX  who I have already filed an Attorney General Complaint for they were to handle the business end of things and marketing over a weeks time from XXXX I am charged various charges totaling {$9800.00}. Then XXXX XXXX? Charges me {$20.00} and finally, as the company named XXXX XXXX on XX/XX/19 charges me {$2200.00} and another {$2000.00} that was supposed to be for a video and teaching or helping me use Social Media. I am sickened on how things snowballed from a desire to earn an income from home to basically being swindled out of {$35000.00}. These companies completely took advantage of me, they led me to believe I would be making all kinds of money with little effort. Nothing could be further from the truth this seems more like a well-concocted scheme that is meant for failure and I have ever since discover that there is a government injunction on one of the companies. I am pleading to you for assistance in having Wells Fargo help me with at minimum the transactions that were on my card ending in XXXX.
Product: Debt collection

Dear ABSOLUTE RESOLUTIONS INV XXXX ; XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

I got a call from caller ID that said it was XXXX XXXX  ( my Zelle was through XXXX  ) shortly after I opened my account. They told me I needed to sign up for Zelle and tried to get me to send money to an unknown recipient. When I tried to contact Zelle I was unable to and unable to verify this was fraud or deactivate my account.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquires and accounts reporting on my credit report that are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Experian is reflecting a late payment from XXXX for XX/XX/2024 and it is inaccurate. I have disputed it twice and they are saying to contact XXXX. XXXX is not showing a late payment and I have sent the billing statement to Experian to update the inaccuracy and it is not reflecting on my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX  XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XX/XX/2024 The following inquiry was not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america closed my checking account back in 2019. My daughter was a minor working a part time highschool job. She would endorse and sign her checks over to me in which I would deposit into my bank of america account - There is nothing fraudulent or illegal about this!!!! They are reporting that I am suspected fraud to XXXX - making it impossible for me to open new accounts. This reporting needs to be removed immediately!
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 2. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 3. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/XXXX but XXXX and XXXX are reporting I paid on time. 
XXXX  XXXX Account Number : XXXX 4. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/XXXX but XXXX and XXXX are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. Equifax is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account Number : XXXX 6. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Credit card

I already submitted a complaint about JP Morgan chase refusing to open a bank account, but I believe this issue deserves another complaint. Unlike the issue with my bank account ( complaint # XXXX ), I was able to open a credit card with Chase for their Sapphire Reserve credit card back in late XXXX. I used the card for more than 3 years, spend hundreds of thousands of dollars and paid my bills on time, and then one day in the middle of XXXX they spoke to me on the phone and told me in a rude way that they will be closing my account and I will not be able to be a Chase customer. I thought this was a mistake and that it wasnt really Chase at first, but then I got the notice in the mail about the same. My account was closed within weeks and my wifes account was also closed. I was able to successfully use my credit car for about 3 years in good standing and then not anymore. This has happened to other people I know. Ironically, same ethnicity as me. I dont understand why I could never apply for a Chase Sapphire credit card since then. I believe its because they looked at my customer history and decided that because I was ineligible to become a Chase bank customer, they could enforce this with their credit cards as well. This is the only speculation I can come up with. It baffles me why I have been subjected to discrimination from JP Morgan Chase.
Product: Credit card or prepaid card

Fraud on his card .the bank determine there was no fraud close the case and said that it cant be reopen.
Product: Checking or savings account

I got a notification that my account had been suspended, without any warning. I called Chase to find out the reasoning and what was going on. They refused to give any details, aside from telling me that due to the contract, Chase had the right to close at anytime without any warning or reasoning provided to me. I called multiple times and they kept giving me the same answer. All they kept say is " We understand ''. Not even caring when i said all my funds for bills and rent were through the account. I had bills to pay in the next few days. And without the account, i had no way of paying. And they said we will send a check with the money left over, which would not help me pay the bills on time. Very unhelpful, and unprofessional. I have not done anything to deserve the closure, and they wouldnt even tell me what caused the suspension in the first place.
Product: Mortgage

I have mortgage with PNC Bank for my condo in DC. After making a regular mortgage payment onXX/XX/XXXX, I made an additional payment of {$24000.00} on XX/XX/XXXX that should all have been applied towards principal. However, instead the payment was considered a regular payment for the payment due on XX/XX/XXXX and thus, only the amount in excess of the regular payment was applied towards the principal. I contacted PNC and after a few phone calls the issue was fixed on XX/XX/XXXX almost a month after the incident.

During my call with a PNC representative, I asked them what can I do to ensure that if I make an extra payment the entire amount gets applied towards the principal. They gave me a phone number to contact. On XX/XX/XXXX, I called the phone number and I paid a {$7.00} fee to make a {$10000.00} additional payment towards the principal. During my phone conversation, I was notified that they can not process a phone payment by phone that is {$10000.00} or more and instead they will have to break it up in two payments but that they could process it in such a way that the entire amount will be applied towards the principal. When I looked at the payment history, I discovered that out of the {$10000.00} payment only {$1000.00} was applied to principal and the remaining {$9000.00} was applied to " OTHER. '' After I discovered this issue, I called again and I was notified that they made a mistake and they will work on fixing the issue but currently, the {$9000.00} payment is PNC possession and has not been applied towards the principal on my mortgage.

When I talked to a PNC representative about two weeks ago during my first call with them regarding the PNC misapplying the extra payment, I also indicated that I would like to know what is the process to remove the PMI payment if my property has appreciated. They indicated that they will send me the information regarding their pre-approved appraisers. However, I have yet to receive such information.
Product: Credit card

On or about XX/XX/2023, I received a call from Truist Bank 's Fraud department concerning two suspected fraudulent charges on my credit card. One charge was for {$1.00} the other was an XXXX charge of {$710.00}. I said neither of those charges were mine. I was told my card would be closed and a new one sent to me and that the charges would be investigated. When I received a Truist statement with the {$710.00} XXXX charge billed, I called Truist and was told the charge was being investigated. I then received a Truist letter dated XX/XX/2023 assigning case number XXXX to the case. When I received the bill dated XX/XX/2023, the charge was listed as a previous balance and fees totaling {$36.00} were added. I called the Fraud Department again on XX/XX/2023 and was told it takes 3 billing cycles to complete the investigation. I then received a letter dated XX/XX/2023 telling me my payment was past due and may be reported to a credit bureau. I called the Fraud Department again on XX/XX/2023 and was told they are still working on it. I received another Truist letter dated XX/XX/2023 advising my account was past due and again stating it may be reported to a credit bureau. I called again on XX/XX/2023 and was told the investigation was being expedited. On XX/XX/2023 I learned the matter had been reported to credit bureaus and my otherwise excellent XXXX score had been reduced by XXXX points due to Truist 's delay in investigating the fraud. I called again and was told a second time the case would be expedited. I later received a letter dated XXXX advising my account was being closed and that " This communication is an attempt to collect a debt.. ''
Product: Mortgage

For background, please refer tp complaint # XXXX. The company responded with their same old information I have been battling for almost 2 years since XXXX of XXXX. I have requested, many times, and explanation of how they arrived at my owing them {$650.00} and change. They are accusing me of missing a payment, which I have not and can prove. I would like to know 1 ) the month I missed a payment and I would like to know 2 ) how they arrived at this amount of {$650.00} they say I owe. As I previously submitted a spreadsheet to you ( and to them ), I think I only owe {$250.00} and have offered this amount as a settlement. They do not respond to any of these questions I have asked by letter or by message. Can you help me? I am uploading their response to the previous complaint. It's like they never had heard from me before. I got a letter dated XX/XX/XXXX asking for details of my request, which I have sent several times already. 

Can we make them reply to you instead? My mortgage should be paid off in XXXX of XXXX and I fear they will make me pay the extra amount to get clear title. I have XXXX and can not handle this any more.