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

I received letters from JP Morgan Chase in mid XXXX notifying me they will no longer offer services to me and closed all of my accounts, including 1 x Checking, 2 x Investment Accounts, 2 x Credit Card Accounts and a Safe Deposit Box. 

As soon as I saw the notices, I went to the nearest branch to find out the reasons, but they said the department that sent the letters to me are unreachable by branch associates and there was nothing they could do to help me with the situation. 

I called the number listed on the letter but they were unable to offer any answers. 

As I looked at my account transactions, I came to realize what may have triggered a red flag on my account. 
I made deposits from my own checking account from XXXX  XXXX XXXX by writing myself a check, then when the check cleared, I wired part or all of the money to a different financial institution where I hold an account with. The reason I used Chase is because they offer free wire services to clients, whereas XXXX XXXX XXXXXXXX does not. 
I have all supporting documents to prove the accounts involved are all mine. 

I don't know if this is the reason or not, since Chase is not sharing any information, but if it is, I was conducting banking transactions that I'm entitled to, and if it caused to raise a red flag, they should have at least inquired or notified me before coming to a decision to end the relationship with me. The communication is one way only, and I feel my rights as a consumer is violated. 

I'm having 2 of the major credit card accounts closed, so this will have a big impact on my credit score. I'm having to find another safe deposit box, which is nearly impossible in this area. I'm having to open another investment accounts, but I can not make any transaction ( other than sell ) during the transition. These things are impacting my life in a very big way, and I believe this is totally unfair.
Product: Debt collection

This company contact me about a debt after I asked them not to. 

After confronting representative and sending them an affidavit of Truth that is still unrebutted, they have agreed to committing the usc/consumer violations and continue to harass me.
Product: Mortgage

I started my modification back in XXXX with the help of legal aid services. My modification was completed in XXXX of XXXX. I have been trying to get a copy of the final modification paperwork from CMG mortgage for a year now to no avail. I also was out with Covid 19 and not being paid. I work for XXXX  and plan to return to work the XXXX of XXXX. CMG stated that the would put me in forebearance but that i would have to pay a lump sum when forebearance ends on XXXX XXXX but they never sent any paperwork. CMG has tacked on numerous fees towarda my balance, some that i do no believe to be legit.
Product: Student loan

I was contacted last Wednesday ( XX/XX/XXXX ) by a representative of Student Loan Financial Assistance. They promised me they could help me qualify for Student Loan forgiveness, and they said that based on my current work situation I qualified. I foolishly gave them my SSN and my bank account number. They withdrew {$170.00} from my account, which they told me they would do. I also signed a contract. It was only recently brought to my attention that this could be a fraud. I'm working with my bank on getting my account changed.
Product: Mortgage

It appears that Mr. Cooper is in violation of California 's XXXX XXXX of Rights. A Request for Mortgage Assistance ( modification application ) was submitted XX/XX/XXXX. A " Single Point of Contact '' was assigned on XX/XX/XXXX. We followed up with Mr. Cooper on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for an update on the request. The assigned SPOC was never available. We always spoke to a " SPOC department representative ''. The SPOC department representatives ALWAYS provided conflicting information on the status of the application, on multiple occasions asking for the same documents that were faxed multiple times, clearly violating the sole purpose of the regulation to assign a Single Point of Contact. One of the SPOC department representatives advised us that their " processing department '' evaluates everything submitted to determine if it's complete, not their SPOC department. That SPOC department representative took the time to review everything submitted and confirmed that the requests to re-submit documents ( that were already submitted ) was not valid, and proceeded to submit a dispute to that department. Thank God that the loan is current, otherwise, wrongful foreclosure is imminent in this pattern of practice of negligence.
Product: Vehicle loan or lease

After numerous attempts to notify loan company of my consumer rights being violated by dealership and letting them know im going through the process of getting things overturned and requesting a debt validation to no avail. 

Road Auto Finance released my personal ie. ( My name and my address ) information to a third party tow company without my consent violating my consumer rights in L5 U.S.C. 552a Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protectsrecords about individuals retrieved by personal identifierssuch as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain. 

Also as I was sitting in my car at XXXX. the tow company came and hooked up to my vehicle while I was in the vehicle. I got out of the vehicle and asked him what is he doing he then told me he was repossessing the vehicle. 

Which falls under the FL state law Breach of peace. Because this was an attempt to take possession of a vehicle with my person physically being in the vehicle. Taking possession of vehicle in this nature is a breach of peace and HIGHLY ILLEGAL. 

Under Florida law, disorderly conduct or breach of peace isclassified as a second degree misdemeanor, carrying penalties of up to 60 days in jail or 6 months of probation, and a {$500.00} fine This violation of consumer rights is on the finance companies fault.
Product: Debt collection

Creditors Bureau is asking for {$70.00} dollars more that what is owed to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) The breakdown of the original amount due, what ways paid, was is still owed doesn't match at all with the medical service amounts. 

When I called the Creditors Bureau, they pretended that this was what the medical service gave them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Diversified Consultants Inc has called my phone number 6 days week up to 2 times a day since XX/XX/2018. I have told them do not contact me by phone use the USPS for communication. The phone number that is begin called is someone else phone number. 
The last call I received was today Monday XX/XX/2018. This company claims that I owe XXXX XXXX XXXX amount that was never discussed this information came from the person whom holds this number they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times Equifax has deducted excessive points from my credit score when there are no negative changes. 
Twenty two points were deducted from my score due to six changes. ALL 6 CHANGES WERE BALANCE DECREASED. PLEASE SEE ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Product: Credit card

On XX/XX/XXXX, I attempted to resolve a dispute with the Merchant, XXXX XXXX, a resort I booked using my American Express card. The resort advertises itself as a five-star establishment, but the accommodations and services provided were severely misrepresented and failed to meet basic hygiene and safety standards. 

During my stay from XX/XX/XXXX - XX/XX/XXXX, I encountered serious health hazards, including : Bug infestation in the bed, which resulted in severe bites requiring medical attention. 
Mold in the room and unchanged dirty sheets, despite multiple requests. 
Lack of clean towels, inedible food, and failure to provide essential services. 
On XX/XX/XXXX, at XXXX XXXX, my partner and I spoke with a resort employee, XXXX XXXX, who was in the management office. We detailed our concerns, but he stated that he could not issue a refund, despite the resorts failure to provide a habitable environment. Instead, he offered us a dinner reservation at the XXXX  inadequate response given that the resort is all-inclusive and the restaurant had already provided poor service. 

Since the resort refused to take action, I filed a dispute with American Express for the amount of {$1400.00}, citing breach of contract and misrepresentation. However, AmEx denied my dispute without addressing the core issues. XXXX XXXX response failed to acknowledge any of my serious health and hygiene concernsinstead, they only referenced the XXXX  closing early and even misgendered me, demonstrating a lack of proper investigation into my complaint. 

As a loyal American Express cardholder since XXXX, I expect my credit card company to protect me from merchants who fail to uphold their contractual obligations. I pay a significant annual fee for this level of service, yet I was left completely unprotected despite clear evidence of misconduct by the merchant. 

I am filing this complaint to formally escalate my issue, as American Express failed to advocate for me and did not provide a satisfactory explanation for their decision. I would like a full review of my dispute and an acknowledgment of the failure to properly investigate my claim.
Product: Checking or savings account

on XXXX/XXXX/XXXX an ATM withdrawal in the amount of {$1200.00} was made from a teller assist machine from Bank of America located at XXXX XXXX XXXX in XXXX FL, I was in XXXX, FL. The criminal used some sort of identification to withdrawal the money from my account ending in XXXX. The amount exceeded the limit I had placed on the account but they authorized it anyway. The same criminal than came into the bank to try and cash a bad check on my account and the teller flagged it as possible identity theft and would not allow the check to be cashed, they then allowed the person to leave the bank. I was notified via voicemail. I called back and initiated a fraud claim through the bank on XXXX/XXXX/XXXX. They informed me they do not inform the police, that would be my job, and the money should be returned to me within 10 working days. I then went to XXXX to purchase XXXX gift on XXXX/XXXX/XXXX where I discovered that Bank of America had cancelled by cards, without informing me. I contacted the XXXX Police Department to report the crime on XXXX/XXXX/XXXX when I returned from vacation. I went to the bank on XXXX/XXXX/XXXX to find out why the money had not be returned yet. They informed me that they were doing an investigation and the money would be returned on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and they told me it was still under investigation, and now it would be XXXX/XXXX/XXXX but they could not view the video footage without a subpoena that I had to initiate from the police department, who has still yet to call me back. On XXXX/XXXX/XXXX I went back to the local branch to find out why the money still had not been returned, they told me it may be XXXX/XXXX/XXXX, more than a month since the money was stolen, but that they could not even guarantee that The bank also said they have a right to deny the claim or fraud when they could easily see, from the video footage from both the ATM machine and inside the bank who the crook was. I can not believe that Bank of America can first assist a criminal in committing a felony, but than constantly lie, as to when I am going to get my money back, there must be some sort of rule or regulation governing the return of money to a customer. Also, they refuse to tell me what form of identification was used to obtain the money. I think I have a right to know what form of ID a criminal utilized to impersonate me. Also, is there no regulation that stipulates when a bank has to have an investigation completed by? What boggles my mind is, how can a bank witness a felony and have no obligation to report it? Bottom line is, I want my hard earned money back. I earned it, I saved it, and the only person here who has the advantage is the criminal. I have no idea what recourse I have towards Bank of America, or who could even help. 

*On the account statement attached the transaction is the first one on the page*
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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
Product: Debt collection

Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.
Product: Credit card

I opened a credit card account with Discover Card and agreed to a fixed interest rate of 8.9 % but was charged 17.8 % and 29.99 % for cash advances. 

I called the company on XX/XX/24 to get it changed to the original agreement but was dismissed by the representative that I spoke to. 

Please help me. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just tried 3 times to call the customer service number off of their website. There is a lot of information missing off of my credit report, just like XXXX. The automated system on the phone says that they are only able to transfer me to a live agent in minimal circumstances. Um, my credit report is messed up beyond recognition and there is a ton of information missing causing me to not be able to obtain any financial anything at all. Causing massive interest rates and causing credit denials. 

An IT person needs to restore my credit file. Like I said, there is a ton of credit worthy information missing off of my report. That includes but is not limited to : Prior auto loans Mortgage Credit Accounts If the rep can not see it on my file, then someone deleted everything previously there. If a rep can see my file with these items on there, then it is not visible to me and the credit grantor. 

I can not get anyone on the phone to fix the issue. 

I can not obtain housing. I can not obtain credit. I can not obtain business or personal loans. I am being offered severely high interest rates and payments.
Product: Credit card

There is a fraudulent charge on my account, I have spoken with the financial institution numerous times since XX/XX/2016 about the matter. The claim has been closed and reopened numerous times, and while each representative at Bank of America agress that the claim should not have been denied, the system keeps kicking it back. The last representative, after reviewing the account, explained that they keep attempting to credit it and the claim seems to be going in a loop that should not be happening. After extensively researching the claim she told me that so does not believe that anything she can do will get this to go through and agreed that filing a complaint with the CFPB may be the only way to get someone that can override the system to take care of the issue.
Product: Checking or savings account

I opened an account with capital one 360 and they will not let me connect to it as a payment method. also and this is even more important my father who has been sick for years sent most of his retirement money to his capital one 360 accouns over {$10000.00}. he didn't know the accounts were restricted cause they never let us know they were restricted or had any reason to restrict them in the first place. Now the money is stuck in there accounts and when u call them about it the department they send u to makes u wait at least 4 hours usually more. they said the accounts were closed but my dad 's money is in there it says when u call and it still veifirs his information. Now he has no retirement, he struggles everyday just to put food on his plate. I don't know what to do. I have asked them to close the accounts and send him his money but they will not listen.bi think they are trying to steal it from him honestly. any help would be greatly appreciated. His Name is XXXX XXXX XXXX email XXXX thanks again.
Product: Credit reporting or other personal consumer reports

No confirmation in any form has been received that Goldman Sachs intends to remove their error of {$170.00} reported on the three major credit reporting bureaus, XXXX, XXXX, and XXXX, as admitted in response to my cfpb complaint on XX/XX/year>. 

Moreover, I was charged and paid {$94.00} on XX/XX/year>. I have no bill to refer to. I requested an itemized bill. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ive sent my FTC report, a 609 letter and my Affidavit of ID theft, ive contacted XXXX and Transunion and asked them to confirm if they have received those documents and they stated that they did received them .They are refusing to block or removed the fraudulent account as the Law says which is a violation in Section15USC1681C2 of FCRA. They said there is nothing they can do about blocking it or removing it from my credit report.
Product: Debt collection

On XX/XX/XXXX I received XXXX fake bills from professional collector corporation. And on the top of that they put XXXX fake bills on my credit bureau. I already made a complaint about this. I am doing it again to show proof. The bill thats dated XXXX there is no proof of this bill. XXXX sent the Wisconsin department of financial institution all of what we supposedly owe them. XXXX XXXX XXXX sent me with all of my bills XXXX XXXX XXXX XXXX  advice showing what my insurance company paid. According to these records I dont owe anything. My health insurance had an agreement/contract which by law you cant charge the patient anything. I am going to show you what they put into my credit bureau to the fake bills that they sent us. How they charged XXXX of the bills more than {$240.00} in interest in only 1 months time according to what XXXX sent to wdfi. This is my XXXX complaint. I will make as many complaints as I have to stop them from hurting other victims out there.