23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3900.00} XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3700.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX and XXXX. 

I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. 

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 
XXXX. Accounts deleted from All consumer credit reporting agencies XXXX. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) in Amount of {$10000.00} XXXX. Return all monies ever paid on these accounts. 
XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3900.00} HAS REAPPEARED ON XXXX PLEASE DELETE FROM ALL CREDIT REPORTING AGENCIES. 
XXXX. My credit score has plummeted XXXX points and this is a classic case of DEFAMATION OF CHARACTER. 


If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Product: Debt collection

I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from PayPal to XXXX and XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX  after an XXXX XXXX XXXX that occurred on me, when I was XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my XX/XX/XXXXXXXX account my PayPal account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I dont think I worked for three years. I lost everything its in the hands of XXXX because Im trying to change my Social Security number. Its that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again and again.
Product: Credit reporting or other personal consumer reports

In XXXX  Experian allowed an unknown individual to place a false e-mail on my credit reporting account and provided my credit report to this individual without my authorization. For over 2 years they have failed to remove this individual and their phone number from my account and remove their id from their membership. I am the victim of idenity theft with a police report on file and I can not get any cooperation from Experian. The false e-mail is XXXX XXXX
Product: Mortgage

In your response to complaint XXXX, this is what you wrote : Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. 

In your response, you clearly lied since I proved from an attached pfd ( which I am attaching again - pdf page.pdf ) that you had received the adjusters estimate for the wind portion on XX/XX/XXXX not as you claim on XX/XX/XXXX as quoted in the previous paragraph. 

On complaint XXXX you then claim you did receive the wind adjusters worksheet. In fact you write : The wind adjusters worksheet received on XX/XX/XXXX, was rejected due to no signed insurance letter received. Again, you clearly lied in complaint XXXX. 

Now this raises more questions that I want an answer to : 1. You state was rejected due to no signed insurance letter received. When was this relayed to me and how? I have proof of when this was relayed to me so may I suggest you do not lie again?

2. Where in the mortgage note does it state the following : i. you have a right to inspection other than for a foreclosure proceeding ; ii. You have a right to take MY insurance funds in case of natural disasters ( keep in mind the LTV on the loan you are servic
ing is less than 15 % so I do not want lip service protect investors ... the land after demo costs will cover 5 times the remaining principal balance ) iii. You have an obligation to verify that the property is liveable ( I have a letter from your firm stating that is your responsibility. 

I am disgusted by your unethical behavior. You and XXXX XXXX do not care about consumers during natural disasters. You only want to make money and cut employees and let computers do the work. This hurts consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.
Product: Mortgage

My realtor representing the me, XXXX XXXX of a property financed through Ocwen. 
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. 

I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. 

Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.
Product: Student loan

I have a consolidated loan through ACS Education Services. We have submitted on 2 different occasions applications for the federal Teacher Loan Forgiveness program. I had also submitted a different loan forgiveness application to XXXX and my application was immediately accepted and the loan was forgiven. ACS Education Services is continually coming up with different reasons to reject our loan forgiveness for reasons like " the signature dates by the Chief Administrative Officer and myself were not on the same date ''. Considering they have rejected my application once again, it 's the middle of the summer and I do n't see my boss for another month or 2. It seems quite obvious they either want me to give up on this process so they can keep collecting interest payments.
Product: Student loan

In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.
Product: Debt collection

BEST BUY CREDIT CARD WAS A FRAUD MY SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION WAS USED WITHOUT MY CONSENT.I WAS NOT LIVING IN THE TEXAS, I REPORTED THE FRAUD TO BEST BUY AND THEY NEVER RESOLVED THE PROBLEM AND THE ACCOUNT WAS SENT TO COLLECTIONS
Product: Credit card or prepaid card

I received a new Citi Aadvantage Platinum Select card a couple of weeks ago and tried to use it and it was denied. Had to pay a {$7.00} atm fee to make the purchase and opened the Citi app and it said something was flagged for fraud. I called the provided number and the representative asked for a landline to call. I do not have a landline phone and they also asked if I had a Citi checking or another Citi credit account, which I do not. Finally, they asked if they could contact my work number which is not possible since all of our work calls go to a general switchboard. 

After these options were exhausted they stated that they would be mailing me a letter for verification and that will take 7-10 business days. They would not accept any other form of verification and now I am left without access to my account for this amount of time and can not even see what he possible fraud may be to take action. I asked to cancel the card and they said I was unable to do that at this time due to the fraud alert.

It is unacceptable that I can not know about the details of potential fraud and can not verify my identify without having a landline ( which is really common now ) or having another account through their bank. I attempted to speak with a supervisor but was not connected and the employees I spoke with would not give any identifying information I could share with a supervisor about the treatment. 

Now I have potential fraudulent charges on an account that is less than a month old that I have to wait almost two weeks to resolve. CitiBank has terrible customer service and puts your financial and personal data at risk by being lax enough that somebody was likely able to breach an account that is less than a month old and then blocking their customers from being able to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and Experian. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?
Product: Checking or savings account

I hired ADP to process my organization payroll and they made several tremendous deductions errors from my account in XXXX and did not correct the error until XXXX of XXXX. This caused a delay for me filing my personal taxes, I was assed late fee of from the IRS {$600.00} dollars. I was informed that ADP would reimburse me for any late fees and have yet to receive my check. They had the nerve to invoice for a {$3000.00} error made on their part. If my accountant did not reconcile my accounts someone from ADP would have walked away scott free. I have been corresponding with a representative and I keep getting the run around. I asked to speak to a manager and each time I never get a response. Today is XX/XX/XXXX, I called the representative and her attitude was extremely inappropriate. She stated that the check was mailed and said they have to stop and replace the check and its going to be a few weeks before they reissue a new check. This has been their answer for months. When I asked to speak to someone higher than her manager she said they would call me on XXXX XXXX. Today has come and it is XXXX Eastern time. I have exhausted all my options with this company. I want to file a law suite against this company and exposed them for their incompetence.
Product: Debt collection

Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a letter in the mail from them saying they were going to sue me in court and press judgement against me. Immediately I sent them XXXX letters ( attached ), XXXX asking them to VALIDATE debt, and another telling them to cease all contact except via written letter to me ( sent on XXXX XXXX XXXX ). They ceased all communication until XXXX XXXX XXXX at XXXX XXXX and again on XXXX XXXX XXXX at XXXX XXXX I received a phone call from them ( I still have the voicemail. ) I sent them XXXX more letters ( attached ) which were signed via Return Receipt last MONDAY. Again, telling them to cease contact with me, and to validate the debt. Yesterday ( XXXX XXXX XXXX ) They CALLED ME AGAIN. I notified them via phone that they are not to call me. They always yell at me and do n't listen to what I have to say and hang up. I KNOW they know they are not to call me anymore but they still do so. I will, from here on out, submit a complaint into your system anytime they call me. I have attached the following ; All letters I 've sent them, the return receipt signatures, and a recording of the phone call on XXXX XXXX XXXX. ( I did let them know they were being recorded. ) I 'll also try and include screenshots of my phone calls from them since I sent them the cease contact letter. 

This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family. 

I will, gladly provide more information if needed.
Product: Credit reporting or other personal consumer reports

We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is Capitol Ones mistake and over sight, so they need to correct their mistake!!!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX 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

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry fromXX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filled a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX XXXX XXXX has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, XXXX XXXX XXXX violates my rights as a consumer, as well as federal laws. The breach violates the contract and renders it null and void.
Product: Money transfer, virtual currency, or money service

I recently transferred Dogecoin cryptocurrency to the Binance.US exchange operated by BAM Trading Services and subsequently sold a portion of it for approximately {$55000.00}. Binance requires accounts to be verified in order to withdraw cash. I have submitted the requested documents to verify my account, but the status has been stuck as pending for more than two weeks. Other users report having been stuck for long periods as well. I have submitted a support ticket which was immediately closed and received an automatic reply stating that they are not accepting support tickets on verifications at the moment due to a substantial backlog. The end result is that I remain unable to withdraw the funds from the sale of my cryptocurrency.
Product: Student loan

I am a co-signer on my daughter 's student loan. I received a notice from the IRS dated XX/XX/XXXX. According to the IRS I did not report a " Cancellation of Debt '' on a student loan from JP Morgan Chase Bank. By the way, my daughter just received the same notice from the IRS onXX/XX/XXXX. I called the number on the letter and they told me it was a private loan, but that was all they could tell me. So I called JP Morgan Chase Bank and all they would tell me was that all of there loans belonged to XXXX and would not give me any information about the loan. I called XXXX and they did not show a loan for my daughter at all. I gave them the account number listed, but they said it was the prior company 's account number and was no good to them. The only way to dispute the IRS charge is to prove my daughter is still paying on the loan, but however neither company will help us. Surely JP Morgan Chase could research their records to find out what happen to the load. My daughter swears up and down she never had a loan forgiven or a XXXX What do we do?