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

Date : XX/XX/XXXX Subject of complaint : XXXX XXXX XXXX From : XXXX XXXX, XXXX. 
Tax ID : XXXX Contact phone : XXXX Complaint against : JP Morgan Chase ( USA ) Amount of complaint : Contract # XXXX Contract Nr. : XXXX ; Contract amount : XXXX XXXX XXXX # XXXX XXXX XXXX. : XXXX ; Contract amount : XXXX XXXX Complaint I - Background : XXXX XXXX, XXXX, the premier American media-technology corporation, a leading force for cultural and digital innovation around the world. For over 30 years our company has been leading multiple multi-billion-dollar projects for the United States Government developing e-commerce, procurement & contracting platforms ( see exhibit XXXX - the list of references ). 

Starting in XXXX, our company has expended our business model towards XXXXulture & education developing : educational, professional, cultural, media and talent management programs ( see exhibit XXXX XXXX XXXX, XXXX. presentation ) II - Current status Our company has developed a new platform for international trade called XXXX ( XXXX XXXX XXXX  ) an educational / training program ( s ) and seminars to promote worldwide. Our international partners from XXXX, XXXX, XXXX, XXXX and XXXX have expressed their interest in secondary / professional and startup education programs, as well as their readiness to try our platform XXXX. 

Based on our Intellectual Property ( IP ) consisting of a new trading platform called XXXX and business, startup and talent development programs, we have attracted and secured a {$10.00} XXXX Dollar investment and now we are in the process of bringing this investment to the United States of America. 

Our long-time partner XXXX XXXX XXXXXXXX, with whom XXXX XXXX, XXXX. has done a number of multi-million-dollar international projects in the past, has agreed to sign with us the XXXX providing financing to bring and expend American culture, commerce and technology to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other countries. Thus, it was also decided to transfer the project funds to JP Morgan Chase bank in the USA. 

To date we have already received the two transactions, the first number : XXXX for the amount XXXXXXXX XXXX  ( see page XXXX ) and the second number : XXXX for the amount XXXX XXXX  ( see page 12 ), however, these funds are being held captive by JP Morgan Chase without any official reason being provided. 

We demand JPMorgan to return the funds.
Product: Debt collection

I received my credit report showing Kansas Counselors as a collection agency. The listed account was XXXX. I sent certified letters XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. In the first letter, I requested verification showing this debt belong to me. I have consistently asked for this information. Unfortunately, they have not provided the documents I have asked for ; however, they continue to communicate with the credit bureaus this debt is verified. Due to this inaccuracy, my credit score continues to decrease, my credit offers come with high interest and most times I am denied credit. I am need of your assistance in this matter.
Product: Debt collection

On XX/XX/2023, I recieved a call from debt collector at Central Portfolio Control CPC stating that they were attempting to collect a rental debt for {$4100.00} owed to an apartment in XXXX, TX at XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX for two months rent from XX/XX/2023 - XX/XX/2023. I informed the agent that I had never lived in Texas before and that they needed to check the information for accuracy, the agent was rude and abusive toward me when I questioned him, I told him that I was not the one who rented that apartment and I requested the original lease agreement and the identification documents that was presented to rent that apartment. 

They have not provided me with any proof or resolution, instead, they have been harassing me via phone calls and threatening to send the debt to the credit report agencies to ruin my credit score. 

I have attempted to find the aforementioned apartment on XXXX and the phone number listed for them is not responsive, I have attempted to contact them multiple times unsuccessful. The collection agent gave the apartment manager XXXX XXXX 's phone XXXX, I left her multiple voicemails in one week and I have yet to receive a call back from them. 

I have also attempted to make a police report with XXXX  and I was told that an officer would give me a call back- it has been two weeks since and I have not received letters, emails, or calls from them. 

I have reached out to credit reporting agencies, XXXX, XXXX, and XXXX to report the identity and to add a fraud alert and security freeze on my credit report. 

I also made a fraud report with the Federal Trade Commission FTC, case number # XXXX. 

I plan on pursuing legal action against all persons who are involved in this fraudulent case.
Product: Debt collection

We received a notice from Hayt, Hayt & Landau, PL threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as XXXX XXXX without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the Hayt, Hayt and Landau, PL firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, XXXX XXXX  has retailiated against me because I raised a dispute with XXXX and XXXX Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified XXXX XXXX of our status in 2017 regarding our daughter who was hospitalized for 34 Days including XXXX for a XXXX XXXX condition which was a XXXX experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that Hayt, Hayt, & Landau PL claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is XXXX XXXX XXXX, XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized that my XXXX XXXX XXXX XXXX  loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Product: Credit card

On XX/XX/XXXX & XX/XX/2024 applied for credit with AMEX XXXX XXXX XXXX XXXX business card I was denied credit due my credit score.. then they said my credit report was frozen, so I was denied by AMEX, I have called AMEX and XXXX and quoted the USC codes they only did a investigation, still waiting for cards to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  the truck I purchased thru XXXX XXXX stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.
Product: Credit card or prepaid card

On XX/XX/2022 I had got a email from synchrony Bank that they close my account with brandsmart and my rooms to go and sams card I called them and ask them I notice since the covid came around that you guys just go close a person account.and hurt my credit. With my brandsmart card they gave me a limited of 3 500 amout I only use some and am still paying bank on what I purchase. They go take the rest of the money and put my limited to what I owe causing to hurt my credit.and then when I got a default for a loan they going go back and close my account. And closing 2other credit cards that I had causing my ratio to drop I pay my payments on times every month and synchrony just mess my credit up complete. How you going wait to I had a issues and then take my,, Credit limited to what I owe its not fair at all causing my credit to drop and ratio.
Product: Debt collection

We paid a closed XXXX XXXX credit card instead of our active XXXX XXXX card in XXXX. XXXX took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in XXXX. And now 13 years later, XXXX has a 3rd debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or XXXX and we need CFPB to contact them so their debt collectors first XXXX and XXXX XXXX from XXXX XXXX & now XXXX & XXXX, to stop the most recent application for wage execution of XXXX XXXX. 


First, we paid that XX/XX/XXXX payment on time but was not credited, it was sent to a closed account and XXXX XXXX was aware of it. They cashed the payment and didnt credit us, we did not received either credit or money. Second, we never received any notification from XXXX and XXXX for any legal action otherwise we would have showed up to defend this incorrect balance and judgment XX/XX/XXXX. We requested a certified signature signed by XXXX XXXX regard of this legal matter of which we have no recollection Third, a post judgment hearing on XXXX XXXX with XXXX & XXXX came and went and the wage garnishment was not allowed. To the best of our recollection we never received any notification for switch of attorney for XXXX and XXXX. So they are trying again and now with XXXX XXXX XXXX, which we never heard of them until the request wage garnishment on XXXX XXXX. XXXX should not be allowed to get another bite of the apple. We also would request a certified signature by XXXX XXXX from XXXX XXXX XXXX, as proof of judgment was served in XXXX. 
We would like CFPB to request this information on our behalf and have all issues and concerns answer by both XXXX and XXXX & XXXX.
Product: Debt collection

Aspire is in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 2 ) and 15 USC 1692f ( 8 ). 
PLEASE CHECK ATTACHMENTS BELOW FOR PROOF OF VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
I filed a Chapter XXXX Bankruptcy in ( I believe ) XX/XX/XXXX, it was dismissed a few months later. 
There were 3 accounts with 2 creditors ( 2 with Capital One and 1 account with XXXX XXXX XXXX ) that were all charged off in XXXX of XXXX. 
I never received any communication from these creditors regarding the accounts after they were charged off. 
Now, over 3 years later, between XX/XX/XXXX and XX/XX/XXXX, all XXXX of these suddenly appeared on my credit report as " failed to pay ''. 
Is this legal?
Product: Payday loan, title loan, or personal loan

I had taken out a {$500.00} MoneyLion installment loan via their app back in XXXX of 2019. The most recent balance as of XX/XX/2019 was {$410.00} and change. The payment was submitted to pay it off out of my MoneyLion Checking account which is through XXXX XXXX XXXX. 
My direct deposit went into the account by XXXX XX/XX/2019 and MoneyLion holds the funds until my official " check date '' which is Wednesday, XX/XX/2019 ( today ). By holding the funds they caused the payment for the loan payoff to be rejected NSF and returned, incurring a {$25.00} NSF fee. I contacted MoneyLion to explain that they money was there, but was being held by a loop hole that a lot of major banks use in their checking account systems. 
The rep initially stated he can remove that {$25.00} fee early in the call, which I thanked him for. He then later put me on hold and came back to state that since they sent my loan nsf to their " internal collections department '' that he can't remove the {$25.00} fee, owning up to lying to me on the phone about what he could or could not do. 
He then suggested I pay the fee, then ask the next department to remove it, which I will not pay the fee as the funds were there, but were being held by MoneyLion itself.

The loan was from them, the checking account is with them and they held my money separate from my loan payoff in order to charge me the fees that I am complaining about. 

Also related to this issue was back In XXXX of 2019 I asked MoneyLion to  stop withdrawing my loan payments from my XXXX XXXX account as I was going to discontinue use of that account, they would not give me the option to change the payment source so I contacted XXXX XXXX, in which XXXX XXXX returned those payments back to MoneyLion. I contacted them and it was not until then was I able to update my banking information to my MoneyLion checking account for the payment.

They may report me to my credit bureaus for missing a payment which was in fact not missed, they just refused to take it from the account I requested. This issue violates Federal Law. If a consumer notifies a financial institution that they wish to stop automatic withdrawals, they have to honor that.
Product: Debt collection

I opened a checking account with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called XXXX XXXX and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out XXXX XXXX 's fraud paperwork. XXXX XXXX gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The Best Service Company. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
Product: Debt collection

I applied for a XXXX store credit card ran by Comenity Bank. I used the card and made on time payments. I closed my account and the phone calls will not stop. They harass other members of my family that live in California about my dept. They will call me with different phone number at least 15 times a day. I told them to stop calling me and they get rude and hostile over the phone. when I pick up the phone I know it is Comenity Bank because the first thing they ask me is if I have legal representation. I pay all my bills on a timely matter. It is getting to the point where I don't even trust them with my card number to make a payment over the phone. They call during the mornings, weekends, nights, and are very rude.I don't even know how they got my uncle 's number in California but I have the voice mail that my dad forwarded to me that Comenity Bank left my uncle. I told the one lady last month to send a bill to my house so I could make payment but I never received it, just alot of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, Experian, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$360.00} Open Date XXXX inquiries XXXX XXXX  Date XX/XX/XXXXXXXX XXXX
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 : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

I am outraged, I looked at my credit report today to find out that Speedy Cash has reported a fraudulent derogatory mark on my report. 
The debt shows opened XX/XX/2019, I have not had any form of a payday loan in 5+ years. 
I would also like to note that every payday loan Ive ever had in the last 10 years has been paid off BEFORE the due date. 

I have not done any business with Speedy Cash in over 5 years. 

This is fraudulent. I called them 4 times requesting validation of this debt for the last 2 months and they have been non responsive! 

This is illegal and I demand that this be removed from my report.
Product: Credit card

Someone open three different debit accounts from three different servicers including XXXX, cashapp and greenlight. XXXX and cash app were already cancelled, but I have not heard back from them.
Product: Credit card

American Express has locked me out of accessing my account. 
Amex detected potential fraudulent charges on my card last week and alerted me immediately through the Amex app I use on my phone. After confirming these were fraudulent charges not iinitated by me, Amex canceled the card. This is common practice. They have mailed me a new card. In the mean time, I am traveling and have not nor will not be home in the immediate future to receive the card. In addition to canceling my credit card, they have frozen my online access and will not provide the detail of recent charges or statements to me. I can not unfreeze the access hold until I have the new card in my possession, which I will not as i am not home. I need the account access to a ) review my statement which has a $ XXXX+ amount due next week and b ) I have a business which I need to confirm past charges in the past 3 months that I am being double billed for. 

This is not OK in any manner. Amex is not willing to work with me on getting me the information.