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

I have a {$200.00} that I personally purchased in XX/XX/2003. I attempted to redeem my XXXX XXXX money order and at my financial institution and it was returned due to a retired routing number that occurred because JPMORGAN CHASE purchased XXXX XXXX XXXX. XXXX XXXX is the Bank account XXXX XXXX had which states on the money order " payable through XXXX XXXX ''. Because JPMORGAN Chase purchased XXXX XXXX ; JPMORGAN merged all of XXXX XXXX to JPMORGAN Chase, which makes Chase the originatiting bank to contact for redemption of money order. When contacting JPMORGAN Chase ( via phone, and email ) they said they have no records of my money order and that they will not pay me the value of my money order which they are responsible for reimbursing me because of their XXXX XXXX purchase! Attached are two emails addressing this matter. In the corresponding email JPMORGAN Chase executive office said " JPMORGAN Chase will not reimburse you for the money order XXXX XXXX supposed to pay '' some how that email was removed from my email account by JPMORGAN Chase IT department or executive office ; some how that corresponding email was delivered and no faulty action on my behalf was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX Disputed Sums, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I received an alert from my bank saying a collection had been added to my credit report which surprised me because I haven't missed any payments on anything. 

When I checked my credit report, there was a collection for an account from original creditor XXXX XXXX for an astounding {$14000.00}. I have never had any mobile devices with XXXX and have no idea what that sum of money is related to. Also from a state I've never resided in. 

I have contacted the current debt collector, XXXX XXXX XXXX XXXX, to dispute but have not received any response at all. 

I also disputed it on all three credit bureaus. XXXX and XXXX both removed it from my credit report but TransUnion are saying it's accurate and won't remove it. Now I can't request any additional info from TransUnion ; they're saying I have to snail mail a request or call during business hours which is when I work. 

This is significantly damaging my credit and I have never received ANY notices in the mail about any debt until I got alerted from my own bank that something was added to collections.
Product: Checking or savings account

On XX/XX/XXXX I recieved a check in the amount of {$2100.00} from XXXX XXXX  for my wedding dress. I took this cashier check to my bank, JP Morgan Chase. I gave the check to the bank teller and she deposited the check into my savings account. Chase approved {$100.00} until they could prove the check was cleared and had funds. On XX/XX/XXXX the remainder of the check was deposited into my savings account. XXXX XXXX told me he was in New York in XXXX XXXX training and is having a moving company pick up the dress. We had agreed that he was going to send me enough money to cover the dress plus the shipping fee. XXXX XXXX   told me it would cost {$1500.00} to ship the dress but he would let me keep {$50.00} extra since I had to send the dress. I wire XXXX XXXX  {$1400.00} total to pay for shipping using XXXX   to XXXX. On XX/XX/XXXX I realized my account with Chase had been emptied, both my savings and checking. I went to Chase Bank as soon as I realized this and they told me that they had closed both of my accounts and that I could never bank with Chase again. The check that XXXX XXXX had sent to me was a fake check. When I ask why they approved the check on XX/XX/XXXX they had no answers for me. I had around {$1600.00} in my account and I have lost all of it. Chase told me I am also responsible for the insufficient funds of {$580.00}. I have spoke with several different people and they all tell me the same thing. I ask why its my fault for depositing a fake check if they couldn't even tell it was fake, NO answer has been given, Since then I have filed a police report with my local police station.
Product: Student loan

At the age of XXXX years old, due to my poor decisions in terms of agreeing to take out private loans, and my inability to pay them when I was supposed to pay them, I now currently have XXXX lawsuits against me. XXXX is for a credit card, totaling the amount of XXXX dollars of which I had used to pay off some student loan debt, and the other for the XXXX student loan in the amount of $XXXX dollars. These lawsuits have essentially ruined my credit, have placed me in an impossible position to receive any form of refinance from any lender to lower my outrageously high interest rates with XXXX and ACS. I honestly believe that these XXXX lenders are ruining the lives of XXXX of borrowers. They are in my opinion the definition of unconstitutional and illegal and should be ashamed of their deceptive and manipulative practices. They have preyed upon thousands of young people and have placed us in a terrible predicament. Their business practices are downright sneaky and misleading. I recently spoke to both ACS and XXXX today and told them that I was filing bankruptcy due to my poor financial situation. I have been working with XXXX these lenders now for several years and it wasn't until I did a lengthy amount of internet research that I found a number for XXXX that allowed me to speak to a woman named XXXX who offered that I enroll in what is called their "interest rate reduction program." This program has NEVER been offered to me before. Every time I have called them, I am given the run around and connected to different lines and even hung up on. XXXX however was very helpful and did an over the phone application with me to see if I qualified for this program. Unfortunately, she told me that I did not qualify because I make too much money. This is almost comical considering I make XXXX dollars a year, live at home with my parents and have an insurmountable debt totaling XXXX, XXXX of that being student loans.
I am not claiming to be a mathematician by any means, nor do I have my degrees in that either, but these numbers don't add up to me. Do I essentially have to be living on the street, without any form of income, and no food in my stomach to qualify for any form of relief from these lenders? After this discouraging conversation, I got on the phone with ACS and was literally laughed at. The woman who I spoke to was literally laughing when I told her I was filing for bankruptcy and was requesting to have my interest rate lowered. It had taken me well over half an hour just to locate a feasible phone number for this lender because every number posted on their main homepage brings you to an automated recording and doesn't give you the option of speaking to a human being. After speaking with XXXX lenders, I have unfortunately made the decision to file for bankruptcy. Never in my wildest dreams did I think that I would ever be in such a position because of education. I know it is very unlikely I will be able to have my student loan debt discharged in bankruptcy, but at this point I am willing to go in front of a judge and roll the dice because I am all out of other options.
Product: Credit card or prepaid card

I made a purchase with my credit card. The company I purchased from ( XXXX  ) was shut down by the FTC. The education website was for lifetime access to their training programs on their various websites. Like training videos, talking to 1-on-1 coaches I can not receive services due to the shutdown, and I am still paying for the services, when I am clearly not getting them. I contacted Bank of America to file a dispute. They denied my dispute, even though I did not receive services. They told me the dispute is closed all resources have been exhausted, and I would have to pay the remaining balance of {$9900.00} ( purchased on XX/XX/XXXX ) on credit card ending in XXXX. 

Bank of America has all the documents that I have provided to provide a chargeback. Over 130 pages of documentation.

They told me they sent me letters that they required more information, but I have told them I have not received those letters. 

They said they would send them again. I contacted them early XX/XX/XXXX to ask when I would get the letters, they told me the dispute had been closed. 

I have has disputes resolved with other credit cards and well as debit cards. 

I
Product: Money transfer, virtual currency, or money service

Seller had a digital item of value, we discussed price, I submitted this on PayPal, and was going to do purchase protection. Seller absolutely insisted upon skipping that... I was young and very intent on getting the digital item of value. The seller took receipt of my sending funds, then went offline for evermore Your recipient should have the money by XX/XX/2019 Paid with ( XXXX XXXX XXXX ) {$170.00} Your backup is XXXX XXXXXXXX Exchange rate {$170.00} USD = XXXX XXXX XXXX USD = XXXX XXXX Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX {$170.00} XXXX XXXX Fee {$4.00} XXXX XXXX Total {$170.00} XXXX XXXX  Print details
Product: Debt collection

Credit Control LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX Already attempted to take me to court in this matter. Per the terms of the original credit card agreement of which they are legally bound to honor as being purchasers of the debt, They are obligated to resolve the matter through arbitration. Through the process of multiple legal filings with the XXXX XXXX Colorado court system, they were forced into arbitration. They failed to comply with the terms of arbitration and did not pay the retainer for the arbitration. I submitted all evidence of this to the court system, and the case was dismissed. They have no legal grounds to collect this debt, and They are in violation by sending me this notification, and I expect that a full criminal investigation will be conducted.
Product: Prepaid card

RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and Equifax on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

Closed Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have respectively contacted XXXX and the collection agency over and over again about an account that I have not opened. I have never had XXXX. Therefore this account shouldn't be on my report. They sold this account to Diversified Consultants and they are claiming that this is my account. I have asked XXXX to also send me proof of any contracts that I have signed or anything that they may have that could verify that it was me that opened this account. As of XX/XX/2018 I have not gotten any paperwork or anything else stating that I opened this account. I want this account removed from my report. They know it's not mines this is why its only on one report.
Product: Prepaid card

On XX/XX/XXXX, I realized I had been double-charged for gas on XXXX separate dates ( XX/XX/XXXX, XXXX & XXXX ) as well as once debited on XX/XX/XXXX for a purchase I did not make from XXXX. The transaction dates in the apps statement listed for these charges also kept changing, so any info included herein are as of whats listed today ( XX/XX/24 ). 

I called Dasher Direct to dispute said charges on XX/XX/XXXX, XXXX, and XXXX, and was hung up on at least once on each date, requiring me to call back in, and after XXXX calls and over XXXX hours in total on the phone with rude, disrespectful, and negligent representatives, Im filing this complaint. The last DD representative with whom I spoke today at XXXX PM, hung up on me after he decided I didnt have any further questions he could assist with, albeit he was entirely useless from the start. 

After putting me on hold for several minutes, he came back on the line and verified that the XXXX charges from the XXXX different XXXX stations were erroneously double-charged because they were done at the exact same time, as was the XXXX gas XXXX. However, the XXXX charge was {$20.00}, and I only bought {$10.00}, which was also charged separately. So, this was actually a triple-charge situation. 

The XXXX charge, which currently shows was completed today, although it was on XX/XX/XXXX that I was in the store to return an item, but somehow, I successfully completed the return and was credited the {$44.00}, but then somehow I was immediately and erroneously debited the same amount. 
DasherDirect representatives told me they couldnt help me dispute the charges and I would have to personally drive out to each of these locations again and speak with anyone who would be willing to help me there on location, at which the Dasher Direct rep started to laugh himself, probably at how ridiculous and difficult, and likely unsuccessful, I would be at getting these charges reversed. Additionally, no reps ever mentioned or were concerned with ensuring the security of my card or my personal information. They hung up when they felt done. It was frighteningly unhelpful.
Product: Debt collection

USA Funds continues to garnish my wages without sending me any information in the mail for me to dispute the loan. I have tried to enter into the rehabilitation program to stop the garnishment but they still continued to take money out every paycheck. 

I have never received anything in the mail from them and only have been told by them that they are collecting to XXXX  student loans which was a company that was part of XXXX XXXX loans.
Product: Debt collection

Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX - XXXX {$340.00} XXXX XXXX - XXXX {$280.00} XXXX XXXX - XXXX {$660.00} XXXX  - XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX  - XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ACCOUNTS : XXXX XXXX - XXXX {$4200.00XXXX XXXX XXXX XXXX  - XXXX {$27000.00} XXXX XXXX - XXXX {$430.00} XXXX - XXXX {$470.00} XXXX - XXXX {$190.00} XXXX XXXX  - XXXX {$410.00} XXXX XXXX - XXXX {$86.00} XXXX  - XXXX {$3300.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

LoanCare LLC purchased my mortgage from XXXX XXXX  in early 2019. I make all of my mortgage payments within the grace-period allowed by law but this company is charging me a {$5.00} servicing fee anytime I make my payment on or after the XXXX of the month and if I should happen to make the payment after the XXXX of the month they will charge me an additional {$10.00}. They will waive these fees but only if I agree to let them withdraw funds on a predetermined date every month which I can not do as I can not gaurantee that funds will always be available on the exact same day every month. This was not the policy of the previous lender and this policy is not clearly spelled out in documentation by the company nor is adequate explanation provided as to why this fee is being assessed. This seems like an underhanded attempt to force consumers into a service they do not want and the practice should cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX XXXX XXXX Balance {$4500.00}