23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

i hate to do this i like this bank but on card ending XXXX there are 2 unresolved issues. 
I disputed and redisputed 83 from XXXX i had a filthy car with mechanical problems i called the week i had the car in XXXX late til XXXX no one responded i want half my money back esp during a pandemic this is unacceptable. then the XXXX dollar charge from XXXX they had price matched me said they would send me proof of chat promising refund that i do not have proof of. so i want to REDISPUTE XXXX  hautelook and XXXX for a total of XXXX dollars. I did submit by email on line a redispute for XXXX dollars but did not receive a sheet for the XXXX dollars for XXXX. I need both redisputed
Product: Checking or savings account

I opened an account with Ally Bank on XX/XX/2019. Acc # XXXX ( XXXX XXXX XXXX ) I deposit the check of $ XXXX to my account from my friend ( XXXX XXXX ) that owe money a while ago. The account was suspended, asking me to submitted the info Social Card, ID, Utility bill, etc2 that was already submitted to them. 

i was going back and forth between XXXX and XXXX  since my youngest daughter just gave birth and my oldest son was lived in XXXX XXXX, XXXX   They keep insist saying that they cant verify the  payment from XXXX XXXX   eventhough its clear that the check has been cleared and deposit to my account ( see proof of clearing from XXXX XXXX  ). 

My friend sent email to XXXX with the documentation of the copy of the credit card and also the remaining balance transfer check. 

Last call with the rep name XXXX ( Rep code XXXX or XXXX ) saying that they cant verified my identity and the identity of my friend and i told her, what else i can provide them in order to have this thing clear and they aid nothing, they said they in process contacting XXXX to verify the check and the XXXX  XXXX already told my friend that nothing wrong with the check and it has been cleared from their end. 

Got another call after few days and they told me they will close the account and will confiscate the money because they cant verify my identity. What else should i provide to them since i have given them all documentation under the sun that i have. 

Please help.
Product: Debt collection

On XX/XX/2018 at approximately XXXX and XXXX I received two telephone calls from a company that refused to identify themselves or the name of the company they represented. Again, I informed the female representative that they have called my home repeatedly and have not left any messages and then they'd just hang up the telephone. Therefore, today after receiving the second call, I looked at my caller ID to retrieve the phone number. I called and the female representative refused to tell my the name of their company and what type of service their company provides. So I asked to speak to her manager, named XXXX XXXX. While speaking to XXXX XXXX he told me that he could not provide me with any information regarding the type of services their company provide. However, he said that the person who they are calling he could not give me any of their personal information either. But I had ti reiterate to XXXX XXXX that I never asked that they provide me with personal information for the party that the call was intended for, I asked for the name of the company and the type of services that they provide to the consumer. 
XXXX XXXX, the manager still refused, he then gave me the name of a company named Radius Global Solutions, and told me that I can research the company name online. 
XXXX XXXX then went on questioning me asking me if I was the person that they were calling for or he repeatedly asked me if I knew that person. Initially, I made myself perfectly clear to both the female representative and to XXXX XXXX that I was not the party that he was calling for and I did not know of that individual, but he acted as though he didn't believe me and he continued to ask me the same questions that I had previously answered. This was very disturbing to me. Mr. XXXX XXXX knew or he should have know that the manner in which he conducted the call was harassing and the repeated calls and his questions were unwanted, but that did matter to him. I thought that XXXX XXXX actions and the tone that he used with me was a clear violation of the FCRA and the FDCPA. I want to be permanently removed from their databases effective immediately. I do have a copy of the telephone call that I recorded. Idid make it perfectly clear that the call was recorded because XXXX XXXX informed me that he too was also recording the conversation. The recording will be made available to you upon your request, for your review and consideration, if needed. Again, it will be provided upon your request. I do not owe this company. I do not know why this company is calling me! I DO NOT HAVE ANY OUTSTANDING DEBT OWED TO THIS DEBT BUYER AND/OR COMPANY OR ANY OF THE CLIENTS OR CREDITORS.
Product: Debt collection

I am being threatened by a debt collector whom I believe is intentionally breaking the law. In pursuit of a non-existing debt. 
My most recent correspondence with this company is as follows. 

Jenkins, Wagnon & Young P.C. 
XXXX XXXX XXXX, Texas XXXX XXXX : XXXX XXXX XXXX XXXX Paid Debtor : XXXX Account No : XXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt, is considered a debt collector and falls under the rules of the FDCPA. 
The federal and many states ' law require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly. 
You have called me and my extended family members using intimidation, talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid, or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt, and then the debt collector instituted litigation on the same debt ) Have I been mislead? 
In our documented agreement. 
You wrote up the settlement with an amount that was much closer to the original debt, as it was closer to the original debt before all the add ons, I accepted the mutually agreed amount of {$6700.00}. I paid that full amount agreed upon within the time frame you had given. 
I am not trying to get out of paying my bills, however I will not pay money I do not owe. 
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me, and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed, on your end, to mark the original note as paid, and return it to me, as you stated in your letter, that you would. 
Instead you have called me, and extended family members, leading family to believe I was in trouble with the law. All in trying to collect on a debt by your agreement is no longer owed. 
The correspondence written XXXX XXXX, 2016 is confusing. 
It shows that I indeed paid the {$6700.00}, ( the settlement amount that I also have in canceled checks ), written to and cashed by XXXX XXXX. It reads as though you are attempting to collect even more money. Money that is not owed. 
I dispute and deny this debt, as I will dispute any continuance of this matter. As you can plainly see, positively this is a mistake, by someone in your office. 
This information will now clear that up. I have done all that I was asked to do by your office. 
If you continue to seek force, and threaten to extract money I do not owe, I will have no other choice but to seek outside help to resolve this matter. 
You may contact me in writing to advise me that your debt collection efforts are being terminated, or that you are or the creditor are taking specific actions allowed by the FDCPA or Texas laws.
Product: Consumer Loan

I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.
Product: Payday loan, title loan, or personal loan

After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 
I received a deposit of {$300.00} on XX/XX/2018, and have had bi-weekly withdrawals totaling {$760.00} debited from my account. Which includes the finance charge of {$45.00} based on Washington State payday loan laws. This results in the amount financed balance of an over payment of {$410.00} When will you refund the overpayment of {$410.00} to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EX DAUGHTER IN LAW OPENED A CAR LOAN IN MY NAME WHEN I WAS AT THE HOSPITAL WITH A MASSIVE XXXX. NO KNOWLEDGE OF LOAN UNDER IT HIT MY CREDIT FILE, I HAVE ASKED SEVERAL TIMES FOR THE COPIES OF THE CONTRACTS THAT WERE SIGNED AT THE DEALERSHIP BUT IT SIMS THAT NO ONE CAN COME UP WITH THIS PAPERWORK. I HAVE ATTACHED A FTC REPORT, WARRANT FOR MY EX DAUGHTER IN LAWS ARRESTED, POLICE REPORT, LETTER STATING THAT THE FTC WANTS THIS ACCOUNT TAKEN OFF MY THREE CREDIT FILES. REMOVE AND BLOCK.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution AND Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

On XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

Transunion responded XXXX/XXXX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XXXX/XXXX/XXXX on my credit report and Transunion told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

XXXX responded XXXX/XXXX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XXXX/XXXX/XXXX and XXXX has not responded. 

XXXX responded on XXXX/XXXX/XXXX and removed the accounts, and appeared on XXXX/XXXX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XXXX/XXXX/XXXX and was not showing any of the accounts due to fraud now as of XXXX/XXXX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX / XXXX Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.
Product: Debt collection

Complaint Against The Moore Law Group for Violations of Consumer Rights XX/XX/year> & XX/XX/XXXX Subject of Complaint This complaint is filed against The Moore Law Group, located in XXXX XXXX, California, for violating my consumer rights in multiple instances related to debt collection practices. 

Details of Complaint Improper Venue for Lawsuit The Moore Law Group filed a lawsuit against me in a city and county where I do not reside.

I informed their representatives that I do not live in the jurisdiction where the lawsuit was filed. Despite this, they proceeded, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692i ( a ) ( 2 ). This law mandates that debt collectors must file lawsuits either in the consumer 's current judicial district or where the contract was signed. 
Unlawful Request for Social Security Number The Moore Law Group requested that I verify my Social Security Number ( SSN ) to settle the alleged debt of {$2700.00} from the original debt of {$3700.00} This violates consumer privacy rights and may contravene the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692d ), as requesting sensitive personal information inappropriately can be deemed an unfair and abusive practice. 
Failure to Honor Settlement Agreement I attempted to resolve this issue with The Moore Law Group for over six months.

During a recorded conversation, their representative, XXXXXXXX XXXX, agreed to settle the debt but later reneged on this agreement. 
He refused to provide documentation confirming the settlement unless I made a payment first, stating it would take 10 days to receive such documentation while giving me only seven days to confirm the offer. This misrepresentation and lack of transparency violate the FDCPA, 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. 
Misrepresentation of Settlement Terms XXXX XXXX misrepresented the exact settlement amount during our discussions and failed to provide accurate information in a timely manner, further violating FDCPA, 15 U.S.C. 1692e and 15 U.S.C. 1692f, which prohibit unfair or deceptive practices in debt collection.

Resolution Sought I request that the relevant authority : Investigate The Moore Law Group for these violations.

Ensure that the lawsuit against me is dismissed due to its improper venue. 
Hold the company accountable for deceptive practices and violations of federal consumer protection laws. 
Provide me with appropriate remedies, including compensation for the stress, time, and effort required to address this matter. 

Supporting Evidence Recorded conversations with XXXX XXXX demonstrating their misrepresentation and refusal to provide documentation. 
Correspondence and other documentation supporting my claim. 

Conclusion The Moore Law Group 's actions have caused significant stress and inconvenience, and their practices violate my consumer rights. I urge the relevant agency to take swift and decisive action to address these issues.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023,
Product: Debt collection

Checked my credit profile and seen this account by CREDENCE RESOURCE MANA In the amount of {$2800.00} with and account # XXXX.