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

I have had my checking account with JP Morgan ( Chase ) for over 20 years. I also have my company account with them as well, as well as my parents are a cosigner for the company with me as well. 
My parents gave me a few checks for XXXX, I deposited them into my account. Instead of holding the checks until the checks cleared, they locked down my account. So, all my automatic payments, automatic deposits, checks that I have written were all voided and did not go through. There was no email or phone call notifying me about this lock out on my account. 
I did after weeks of trying to find out why this was done, get someone in the executive office to return my call. They mentioned that when I signed up for my checking account that they reserve the right to lock down my account anytime they want. 
This obviously was not the answer I was looking for - I asked why they did not wait until the checks cleared - I never expect to get access to the check ( money ) until they clear, but the {$60000.00} in my account I felt like it was wrong to lock me from my money. 
They have not confirmed that they will pay my fees and late payments, I have to compile a list and send them all of the fees and they will look into getting me reimbursed. 
I think this practice of arbitrarily shutting down an account should be a violation, this was not money leaving my account ( which I can understand ) but money coming into my account - It should be the responsibility of the bank of the check that is being deposited. 
Please see if this abuse of power can be corrected. This should never happen to anyone. 
Knowing Chase ( JP Morgan 's ) position, I will have to move my account to another bank - I can't imagine the nightmare that would happen if they locked down my business account. I shocked that they have this kind of power to wield and I am powerless to get access to any money in my accounts for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by JP MORGAN CHASE OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX email address XXXX XXXX PayPal account was hacked on XX/XX/21 and new address was added to my account. On XX/XX/XXXX my account was closed by theft and all money XXXX + were stollen. I realized that on XX/XX/XXXX and called Pay Pal that day. A representative told me that two checks were mailed to my address. I did not receive any checks. I called many times Pay Pal help desk asking to cancel the checks. I talked with security department but every time I called, I got different representatives and different answers. I also ask to speak to a manager but was not connected after more than hour waiting. It's very unprofessional
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX and trans union multiple times regarding the inaccuracy that is on my credit report. Per fcra all items must be 100 % accurate or need to be removed. I have disputed multiple items showing derogatory that does not match my address nor my personal records. I have provided proof of my address which was a requirement with XXXX and each item XXXX states the collection company was able to validate the debt as accurate. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I received my consumer report not too long ago and i saw some suspicious information that was about bank inquiries on my credit report that i did not recognize me making. I called the 3 bureaus, XXXX, XXXX and Equifax. i explained to them what was wrong with my report and they specifically said they would resolve the issue and get them removed immediately. XXXX have remove them same week i called but i never saw a update on my report after a month from Equifax and XXXX, So i called again they mentioned they needed additional documents such as my ID, SSN and information about the inquiries. I sent those documents thru mail on XX/XX/XXXX of this year. and since then i have not heard anything from them and my report still remains the same. I would appreciate if you could help me investigate this further so i get this resolved. The inquiries are listed below also I submitted photos from my report up to date from all 3 bureaus. Thank you! 

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

Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX  misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a XXXX pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
Product: Credit card or prepaid card

I opened a Best Buy account on or about the end of XXXX with a minimum payment of approximately {$27.00} due monthly on an interest free purchase for 24 months. However, since opening the account, I sent consistently and monthly sent a payment of {$100.00} until my last payment of {$150.00} was paid in full. All payments were sent via XXXX XXXX Bill Pay monthly with the last payment on XX/XX/XXXX. After sending in my last payment, I received another invoice in XXXX reflecting a late fee of {$27.00} charged to my account. In XXXX I received another invoice with the past due balance of {$27.00} late fee plus a second late fee of {$29.00} making it a total of {$56.00}. Within the last two weeks, I have been getting daily calls from Citicorp regarding the past due late fees not being paid. Today, XX/XX/XXXX I spoke with a rep at Citicorp about this and he stated that I should call Best Buy to resolve this issue. However, I did write and explain to Customer Service at Best Buy on XX/XX/XXXX explaining the exact issue mentioned here. No one from customer service has responded to this matter. Yet I continue to get harassing calls on a daily basis regarding my account being past due. It was paid in FULL when the last payment of {$150.00} was sent on XX/XX/XXXX via XXXX XXXX Bill Pay and posted on XX/XX/XXXX as reflected by Best Buy in their last invoice to me received XX/XX/XXXX. In my letter dated XX/XX/XXXX sent to Best Buy I requested my account be closed and that the late fees be credited off my account. Best Buy previously stated that the payment was received one day late. It was received and posted on XX/XX/XXXX, by Best Buy but sent by XXXX XXXX on XX/XX/XXXX via EFT bill pay. Best Buy stated to me that it should have been paid by XX/XX/XXXX. One day late and I am being harassed to pay them late fees now. It appears that late fees are continuing to accrue monthly on an account I paid in full in XX/XX/XXXX and that no one has responded to my written correspondence sent to Best Buy, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I'm being ignored and harassed for late fees on a closed account which was paid in full and which payment was received in full one day late per Best Buy. It appears they are continuing to bill me late fees monthly. Is this legal?
Product: Credit reporting

I have been contacting Experian for more than a year regarding their error in reporting. The collection was paid and it should not be included in my report as it is a court collection not a collection agency. They have said they have verified it but that is impossible because the information is still wrong! this is hurting my credit badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax, and XXXX yesterday XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

PARALLEL COMPLAINTS against both XXXX XXXX XXXXXXXX ( XXXX ) ( FALSE & UNAUTHORIZED REPORTING ) AND EXPERIAN ( REFUSAL to REMOVE this FALSE, FRAUDULENT AND UNAUTHORIZED REPORTING from my credit report, even after I have submitted ORIGINAL PROOFS that this FAKE account is RESCINDED/NEVER EXISTED ) which CAUSED MY CREDIT SCORE to PLUNGE from XXXX to XXXX  or about 170 points in the past five ( 5 ) months which NOT ONLY DESTROYED my otherwise IMPECCABLE credit for the past 30 years and further CAUSED one NEW ( that I know of ) credit card company to LOWER my credit limit from {$20000.00} to {$12000.00} due to the drastic, incorrect even though it is improbable and unlikely score ), which are my DAMAGES. 

XX/XX/XXXX Wrote a Letter of COMPLAINT to XXXX XXXX regarding this fraudulent transaction. 

XX/XX/XXXX - First reported ( for the very first time ever because I do not have any " loan '' account with XXXX ) XXXX XXXX Acct # XXXX ... as a NEGATIVE, ADVERSE account ( 30 days late for a measly {$170.00} that I NEVER OWED ). 

XX/XX/XXXX Filed my first dispute with Experian and nothing happened DESPITE ALL the SUPPORTING DOCUMENTS I MAILED to Experian re : the FRAUDULENT TRANSACTION with XXXX XXXX including the letter I wrote to XXXX on XX/XX/XXXX. 

XX/XX/XXXX RE-filed my second dispute with Experian, and again nothing happened for another month. It would seem that Experian is in cahoots with XXXX in an all out malicious effort to DESTROY my otherwise excellent credit. They should know because XXXX pulled my credit WITHOUT MY AUTHORIZATION on XX/XX/XXXX which at that time, my score with MORE THAN XXXX or in the  excellent category. 

XX/XX/ - Wrote a FINAL LETTER this time to the PRESIDENT of XXXX XXXX , XXXX ( and all affiliated companies ), regarding the FRAUDULENT transaction aforementioned, and the IMMEDIATE REMOVAL of their adverse account from my credit report, and the REMOVAL of an UNAUTHORIZED CREDIT INQUIRY made by XXXX on XXXX from my Experian report. 

XX/XX/XXXX - a TERMINATION of the said AGREEMENT was executed and signed by XXXX and by me, which I mailed the ORIGINAL to EXPERIAN, and instead of IMMEDIATELY REMOVING the ADVERSE ACCOUNT from my report, they UNNECESSARILY re-filed A THIRD DISPUTE with XX/XX/XXXX giving them another 30 days to respond. 

30 days have ended thrice. And the ADVERSE ACCOUNT is still in my report and my credit score with Experian only is getting worse, now in the low 600s, instead of the high 800s. Every time I call Experian ( they never answer the calls or the waiting time is forever ) and every time I went to their website ( which never works ), it does not give me access because the " DISPUTE IS forever ONGOING ''. 

I have called XXXX XXXX MULTIPLE TIMES, MULTIPLE DEPARTMENTS, and they deliberately, continuously give me the run-around. The Escrow Department and the Finance Departments REFUSE to inform Experian that this phantom account NEVER EXISTED AND TO IMMEDIATELY REMOVE IT, including the REMOVAL of their UNAUTHORIZED CREDIT INQUIRY.
Product: Checking or savings account

On Sunday, XX/XX/XXXX at XXXX I received a call from Chase Bank about suspicious activity in my checking account involving two online purchases made on my debit card, I asked for that card to be closed and they closed it for online purchases only. At around XXXX the same day while I was at work I checked my account and noticed an unauthorized charge of {$400.00} at XXXX in XXXX was made to my account. I disputed the charge with Chase first on the same day, I was not contacted with any updates on the claim and Chase did not reverse the money as they said they would. I found out the claim had been denied when I called for an update on the claim. I then met with Chase personelle who told me the charge was made via XXXX XXXX on an XXXX XXXX. I do not have XXXX XXXX on an XXXX XXXX and no one else can access my card number or information to make this charge. I created a second claim on the charge and was again not notified when the charge was denied, I submitted further proof such as my time sheet showing I was working during those hours and could not have made those charges as well as a statement and proof of Chase 's initial phone call. My claim was again denied and I was told by Chase 's claims department that they have proof I benefited from the claims, that they have proof the physical card was used, and that none of my evidence was relevant to the case. I only found this information out by waiting on a line, Chase never contacted me and won't email me any of this proof but will mail it in seven business days. Chase changed what they originally told me about an XXXX XXXX having been used to make the purchase and is now telling me the physical card was used which is impossible because I was in possession of the card at the time of the purchase.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three reps from XXXX XXXX XXXX said there are no fraud charges on my account and the recovery XXXX  said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called
Product: Credit reporting, credit repair services, or other personal consumer reports

I, along with 143 million other American consumers, was affected by the Equifax cyber-security breach. I am beyond furious. This means that the people responsible have my Social Security number, address, and all of my personal information. Now, and for the rest of my life, I am at risk of identity theft. Worse still, I never even had a choice in whether or not my information was indexed by Equifax. As a human being, I am in their system whether I want to be, or not. As if the system of credit, i.e., a faceless entity deciding whether or not I have financial freedom, was not corrupt enough! The system is horrendous to begin with, and now it 's been compromised. Consumers are helpless. Consumers are angry. And consumers will no longer stand idly by while we are made to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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 XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX   XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Money transfer, virtual currency, or money service

The company is Chime : In their pay anyone feature, if someone has my phone number, they can gain access to my full name & use that to XXXX me & find out where I live, my family, etc... 

I went on a date with a girl & we exchanged numbers before meeting ( dating app ). When we went to lunch, she knew more about me then I told her in our chats & I asked how ; she told me that Chime " pay anyone '' feature gave her my full name & she looked me up. 

I have been trying to talk to Chime about this security issue, but I'm getting no where. I feel absolutely violated by this breach of my personal info. 

I told them that I will not stop till this privacy issue is corrected. 

I told them, think if someone gets another 's number & they both have Chime. What if the one person has an issue with the other & their app just gave them their full last name & ability to seek them out. ~yes, I know it's a extreme example, but look at the world we live in~ There needs to be greater personal privacy measures put in lace by Chime to protect my info, even if someone has my phone number, I should be able to choose what is shown as my name. I've address this with Chime & have got the run around & just pre generated answers. 

I strongly feel my privacy rights & all other Chime members, have been put in a horrible position that compromise my anonymity & safety, that I didn't consent to. I love their service, but don't appreciate this privacy issue.
Product: Debt collection

This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.
Product: Credit reporting or other personal consumer reports

I sent letters to each bureau and i didn't get a response except from TransUnion which was a stall letter.
Product: Checking or savings account

The bank said all the money on my chekcing and saving accounts are suspecious and they closed the accounts, moved the money out and didn't tell me how long do they take to investigate the money. I haven't give me any reason and just took my money away for more than 2 months. I tried to ask them but what they can tell me is I have signed the agreement when I open accounts with them. They have the right to do it. But can this big bank just took people 's money away saying under investigation for 2 more months? I am living paycheck by paycheck, how would I live without my money?
Product: Debt collection

I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to you to express my concern about the lack of responses to my queries. I have been waiting for a response for over XXXX days and unfortunately I have not received any update.
Product: Mortgage

Hello I have had numerous of calls from Chase since 2017 for me to apply for a modification. I have been denied 20 times and that is the sole reason my mortgage is at default. Misleading information and I have proof of the request for modification over the 4 years.