23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to JP Morgan-Chase by my current servicing provider, XXXX. I received a notification about this change less than five days before the change from XXXX, and a notice from Chase the day OF the supposed payment change. 

I want nothing to do with JP Morgan-Chase - they are a company known for committing significant mortgage fraud - billions of dollars worth - and I have a moral conviction to not do any business with them. I attempted to contact them, however their customer service lines all hang up on you without letting you speak to anyone. 

I refuse to do business with a morally bankrupt institution such as JP Morgan Chase. What are my options to prevent the transfer of my loan, or move it to a company that isn't filled with blood sucking leeches?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WASXX/XX/XXXXWHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX and Trans Union both deleted the account. XXXX failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed theXX/XX/XXXXdate. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX   and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted.

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX  blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.
Product: Mortgage

My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} into Skrill digital wallet with prepaid card and then I pulled XXXX out in the ATM and then I added a little bit more like {$350.00} more and then they locked it up. I had already given the {$500.00} to pay my rent so they left me with no money and XXXX little XXXX  they locked up every single penny I have and I have a XXXX year-old and a XXXX-year-old that have not eaten since breakfast time and it is now XXXX XXXX I started emailing and contacting them immediately I sent them screenshots of the money, coming out of my own account and going onto their card as proof that its not fraudulent and it all belongs to me they ignored me. They screened out my calls, they sent me form responses, They reviewed it and marked it, solved and then reopened it and kept it locked up. I begged them to unlock my money because its every penny I have and I have XXXX babies that havent eaten since breakfast and they left for the day with us having no money, and no food. They should be punished to the fullest extent of the law and I intend to contact an attorney regarding our suffering throughout today, and the fact that these XXXX  are going to go to bed hungry. I have {$850.00} in there and it all belongs to me and I need to feed these children and theyre not going to even give it to me. They need to be punished. I contacted them from XXXX XXXX  all the way till now which is XXXX XXXX  central standard time we have nothing we have no food they have every penny locked up. I contacted them 100 times through email, through phone, which they either screened out or hung up on me and through chat and threw tickets telling them numerous times that I had XXXX babies here that had no food, and that they had all my money they need to be punished to the fullest extent of the United States federal law, or forbidden from doing business with Americans because they obviously can not do the job and we are starving.
Product: Credit card or prepaid card

TWO ISSUES : ONE : On XX/XX/2020, American Express incorrectly posted and reported a payment made. The payment was a single check, a single payment in the amount of {$4000.00}. American Express posted it as two separate payments of {$3100.00} and {$900.00}. A payment dispute was submitted and American Express failed to fix the error. Their dispute response website provides little to no information at all. It just indicates the dispute is closed but it was not fixed so I dont know how they can close it. They also state, refer to the communication we sent. American Express has not issued any communications. This is not the first time there has been an issue with the application of the payments at American Express. They really struggle with what should be a simple process. 

TWO : American Express continually keeps sending emails with the subject line, You have a message. The emails provides instructions to either click the link labeled, view message or go to the URL : americanexpress.com/messagecenter when logged into the account. The view message link does not work and the URL ( americanexpress.com/messagecenter ) does not work. There is no message center anywhere on the online account. American Express has been told this before, yet, they continue to send this email message. Its not a valid email. It is suspected that American Express, cunningly, using this as a way to say they sent communications/correspondences, when they clearly have not. Its a sham. 

Attached are accompanying screenshots.
Product: Debt collection

This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for Pendrick Capital Partners to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, XXXX XXXX XXXX XXXX has called me repeatedly even though I have written to multiple collections agencies who have each notified Pendrick Capital Partners of my dispute and my requirement to cease phone calls to any number that may reach me. This XXXX complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting

I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained.
Product: Debt collection

I have had my SSN stolen and six false accounts in FL and TX have been sent to collections. 

I noticed Phoenix Recovery Group in XXXX on all three credit reporting agency accounts I sent a request for validation of debt on XXXX read receipt requested The company recieved it on XXXX I received the debt validation letter in XXXX postmarked XXXX XXXX XXXX I reviewed the information to find that only my name and SSN were correct Here is a list of incorrect information : * Job history - companies I have never worked for that do not show up on the CRAs. No accurate companies are in their provided validation * Previous addresses in XXXX. I have never lived as an adult in XXXX- I have lived in XXXX for over 30 years * Invalid photo ID - photo was of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is very obviously wrong I sent a cease and desist letter on XXXX XXXX XXXX. This was received on XXXX I re-disputed this debt w/ the CRAs again first week of XXXX XXXX XXXX XXXX XXXX I am still receiving robo calls and the accounts remain as collections on the 3 CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX RE : Comenity Bank/Wayfair and XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through Wayfair for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.
Product: Bank account or service

On XXXX XXXX 2015, my debit card was charged for {$400.00} through my XXXX account which was compromised. I solved the problem with a XXXX way call with Bank of America and XXXX, and the money was reversed. However on XXXX XXXX 2015 I received an email from Bank of America telling me my account was once again overdrawn by {$400.00}. Then they tacked on a {$35.00} overdraft fee, and a {$35.00} return item fee even though there was no item returned and it had n't been long enough for an overdraft fee to occur. I talked to the bank and they tried to tell me that XXXX charged my account again for {$400.00}, but there are NO such charges on my XXXX account. I even talked to customer service through XXXX and they assured me that the account had been inactive since the previous issue. Bank of America decided to have me open a claim, and the following day they sent me an email letting me know I needed to fill out an online form within 5 days for the claim. I waited one day and when I went to fill the form out, they had closed the form and said the case was resolved. That my account had insufficient funds. Entirely ignoring the fact I told them my account has obviously been compromised. I tried closing my account and they wo n't let me until I pay the overdraft sum which is completely ludicrous. I know for a fact Bank of America made a mistake with my account, or fabricated this charge and then stacked extra charges on top of it in an attempt to steal money from me. I refuse to pay them for trying to con me. 
I 've since closed my XXXX account in an effort to protect myself, but Bank of America refuses to let me close my bank account. I 've been a customer for 15 years and I 've had problems with this bank from the start. I just want to put this behind me as it 's really stressing me out.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX MI XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance XXXX : {$520.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed XXXX {$330.00} XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, XXXX Account name : # XXXX XXXX XXXX -Account XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX  XXXX, Account # XXXX XXXX Account Name : XXXX XXXX, account # XXXX has violated my rights. 
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

XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I don't recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 

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

On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank th

e Lord these people have not gotten Money, that I know of right now. I have been in
touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take?

Thank You for your help, in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report a hard inquiry on XX/XX/XXXX made by XXXX XXXX of XXXX. I bought my truck from them in XXXX and would NEVER go back there again. I do receive mail from them stating that I am eligible for a refinance of my vehicle but never accepted them as they would be the last place I would go for a refinance. I also noticed two more hard inquiries for Factual Data in XXXX PA from XX/XX/XXXX and XX/XX/XXXX. Is there a way to find out what these two inquiries were for as I do not recall applying for any additional credit from anywhere in the past 12-16 months if not longer.