23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear JPMorgan Chase, I, XXXX XXXX XXXX, the consumer and natural person, was bank relationship and closure by JPMorgan Chase when I applied payment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.

You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by JPMorgan Chase due to the response I received.

JPMorgan Chase is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued and the accounts were closed.

Furthermore, because my social security number ( credit card ) pursuant to 15 U.S. Code 1602 ( i ) was used and I received NO benefit ; this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JPMorgan Chase.

If JPMorgan Chase fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make JPMorgan Chase, criminally and civilly liable for all actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. I will also follow up with an invoice for said violations. 

I am XXXX years old and a single dad to a XXXX-year-old XXXXXXXX XXXX I own numerous different XXXX XXXX XXXX XXXX and combined the assets are in excess of XXXX XXXX dollars and eventually have a XXXX XXXX relationship. I write this letter in hopes of joining J.P. Morgan XXXX Banking where the minimum requirements are assets of XXXX XXXX. 

Thank you, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Student loan

aHello, I have student debt with FedLoan Servicing, the agency with whom I had to enroll to be in the PSLF ( Public Students Loan Forgiveness ) program. My account # is XXXX. FedLoan has been extremely poor in all aspects of their management of these loans, but the primary concern is that they continue to make inaccurate counts of my qualifying payments towards the PSLF program. I had a hand count done in the past showing each individual payment that counted and those that did not towards PSLF. FedLoan denied many of these payments saying that they were several cents from the full billed amount. I provided them with records from my previous servicer, XXXX XXXX, showing that these payments had in fact been paid in the full billed amounts at the time, and I have requested a recount. FedLoan has ignored my many requests for another hand count, and they have ignored the records that I supplied to them. They sent me a bill due in XX/XX/XXXXof last year, and I paid it when the bill became available in XX/XX/XXXX. They  considered that " paid ahead, '' and now they are telling me I am in " paid ahead '' status because I paid that bill directly through their website a few days early. These are completely their errors, all of them, and they can not be relied upon. I would like an outside agency or ombudsman to count my payments individually using the records I provided, since FedLoan does not manage their own information in any accurate way. Thank you.
Product: Prepaid card

Today on XXXX/XXXX/2016, I received an email stating that my American Express Serve account is being closed due to " unusual usage patterns. '' I have used Serve with full intent to pay credit card bills, water bills, gas bills, property tax, school tax, rent, XXXX fees, and other bills. In fact, the tax office is still waiting on the Serve bill payments that I requested to be sent on XXXX/XXXX/16. 

By closing my account, I will not have a way to pay my bills on time. What I loved about Serve was the ability to load money via credit card or debit card quickly and the funds would arrive immediately. It was more convenient that the bank transfer method that takes several business days. It was also more reliable than work XXXX XXXX. There is no activity that is inconsistent with the intended use of the account. Serve has been so great to me. 

As a servicemember and current American Express cardholder, I am often told that American Express has our backs, no matter the issue. But this is not the case, and this was a slap to the face to all of us serving.
Product: Debt collection

In accordance with the Fair Credit Reporting act Fair Collections & Outsourcing, 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 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Early Warnings report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Early Warnings report. I implore you to please remove these items immediately.
Product: Mortgage

I have never owe any money to XXXX. XXXX never holds any senior secured lien on my property. XXXX never provided any proof of claim on my property. I have never entered into a contract or any security agreement or voluntary lien with XXXX, I have requested numerous time R.E.S.P.A. QUALIFIED WRITTEN REQUEST. Such as any alleged Loan History, all RECORD HISTORY. Do you have servicer right,
Product: Debt collection

Today I received a phone call from XXXX. According to my phone this number is out of Maryland. The person on the other end clearly had an XXXX accent. He proceeded to ask me to verify my name, XXXX XXXX and the last 4 digits of my social. I did, and then he proceeded to tell me he had an email address that i used many years ago, and a physical address that I hadn't been in since XXXX. I refused to verify any current information until he told me what this call was about. This continued until he had his " boss '' get on the call. Again, another person of XXXX accent, gets on the phone. He tells me he is a lawyer and the previous person was a paralegal. He proceeds to tell me that I am being sued. They both start hounding me about the documents and phone calls I supposedly have already received... which I have not. The lawyer excused the paralegal, again told me the call is being recorded and that he was going to read me an avidavit. He said the company suing me is LVNV Finance Funding and the case number is XXXX. He told me I was being sued for uncollected payments to a XXXX XXXX XXXX. When I asked which one, he read off about 20 of them, but wouldn't tell me any specific one. I asked him if he could send me the information, he wouldn't answer, just kept asking me if I was going to hire an attorney, and how I was going to handle the suit. He was nasty and wouldn't give me exact figures either. One time he mentioned XXXX in funds and then attorney fees. I finally hung up, upset, I XXXX  LVNV funding. I called them. They are based here in the U.S. She had no knowledge of me, of any collections related to me. She was confident I had been or was in the process of being scammed
Product: Debt collection

Portfolio Recovery is calling my phone at least twice a day and often with a fake caller ID name. This has been going on at least 45-60 days.
Product: Credit card or prepaid card

I disputed a charge because the company never sent me the replacement bulbs as they indicated they would. Capital One credited my account while they investigated. Then, the company sent them falsified paperwork supposedly proving that I received the replacement bulbs and indicated in that paperwork that they called me to make sure I received the replacements in good working order and that I confirmed via telephone that the problem was resolved. This was simply not the case. I never received the replacements and I never received a call from the vendor ( see attachment ). In fact, the information that the company sent Capital One actually proves my case and not theirs ( see attachments ). Despite having pointed this out to Capital One, they put the charge back on my account claiming that I did not follow their procedures. 
The procedure they are referring to is that they asked me to seek a second opinion via letterhead from a similar company indicating what the original vendor did incorrectly. I refused to do this as this is a ridiculous request and I was not going to waste more of my time ( and someone else 's time whom I didn't do business with ) when it's obvious what the company did incorrectly. I told them if they wanted a second opinion, they could seek it out themselves - considering that ANY normal and reasonable company would indicate that to fix this, they would send the replacements - it's that simple. Capital One indicated via a followup phone call shortly thereafter that me not providing that second opinion was the reason why my dispute was being resolved in the company 's favor and that they were putting the charge back on my account due to " compelling evidence ''. 
This practice of making the consumer seek second opinions in order to resolve disputes seems like a ploy that credit card companies use to make it difficult for consumers to pursue disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit have been opened fraudulently, I have made a dispute with credit each bureau and notified them of this action and I was told that information. Some have responded that it is accurate and verified which is illegal and false. They have failed to follow proper procedure to check if this account is mines and which it is not so stating that its verified is false and illegal and wrong. 
Ive sent my Driver license, Ftc Report fraud report to each company and also contacted them and told them the issue. If properly investigated this account should be removed off my credit XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX open fraudulently XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXX Account Number : XXXX opened fraudulently not me or mines XXXX XXXX XXXX Account Number : XXXX this is fraud account and not mines XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number XXXX, this account is an authorize user account that I didnt authorize, it is reporting illegally on my credit without my consent Ive notified Experian of this as well Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting

Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.
Product: Checking or savings account

Capital One has not deposited my paycheck in to my account in a timely fashion, it is XX/XX/XXXX almost XXXX XXXX  and I still not have access to my paycheck
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, 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. 




XXXX # XXXX ( Charged off ) -- {$22000.00} XXXX XXXX XXXX  # XXXX ( Charged off ) -- {$21000.00} XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX  XXXX XX/XX/year> 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: Payday loan

Case number : XXXX This information in regards to this case number ; i have disputed the information and obtained new information about the company with desist and refrain orders out of California.
Product: Debt collection

I was told by several representatives at One Main Financial here in XXXX  XXXX, XXXX  that their policy is to call you every 3 days once your payment is late. Their policy states that you have a 10 day grace period before it is considered late. If that is the case why am I getting calls after day 3. Why do I get 2-3 calls a day after the 10 day grace period if their policy states that they call every 3 days after the 10 days until the payment is paid. I should only be getting 1 call every 3 days not 2-3 a day. One of the representatives stated oh, our system didn't catch the days that you were late. LIES, I am frustrated and want the calls to STOP.
Product: Student loan

I became unemployed XX/XX/2015. I submitted a request for forbearance due to unemployment TWICE, once XX/XX/2015 and once again XX/XX/XXXX. Both times I printed out the forms downloaded DIRECTLY from their website! : XXXX I sent these XXXX forms and I also sent a letter stating my circumstances to them. They are claiming they have no knowledge of anything and are refusing to do anything with my student loan. All other loan holders have put me into forbearance. These people are the most incompetent and ridiculous people I have ever seen. TWICE I have submitted the correct forms to them and they claim they do not have them. I am exhausted from trying to deal with them. I have also explained the situation several times to one of their operators over the phone. Still they refuse to take action.
Product: Credit reporting or other personal consumer reports

I was charged separately for an annual fee, despite the contract stating it would be added to the account balance resulting in all kinds of accounting errors and them reporting me to collections and XXXX  days late. They assess an annual fee of {$65.00} for servicing of a HELOC accounts. I had my acct. on autopay and pay {$35.00} extra a month. They reported me XXXX days late after they billed me the annual fee independent of the account balance, despite the contract stating it will be added to the acct balance. So they satisfied my monthly payment but reported me late on the {$30.00} dollars left over from " paying the annual fee. '' This is absolutely not adding to the acct. balance as the contract states. They tried to blur me with their interpretation of what the acct balance is and then tried to tell me that the fee is due the month it is assessed, again despite it stating in the contract signed by both parties that the " fee would be added to the acct balance. '' They did not work with me, claims they called but " my mailbox was full, '' despite it never being full. Then they received a XXXX auto payment on day XXXX after the last payment satisfying their left over XXXX dollars they claimed I owed on top of my monthly payment due. Despite the payment being processed on the XXXX day they still reported me XXXX days late to all XXXX credits bureaus.
Product: Mortgage

Reference : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage *********************************************************************** You closed the case without completing a through investigation making me and others waste our time. This is not a fair procedure and could be for the same reasons that the company discriminated against me : I am XXXX.

This email sent to me by the realtor may explain why : XXXX XXXX   <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Its not a matter of agreeing or disagreeing you signed a contract and you are in breach of that contract. Trust me I know that it doesnt Seem fair to you and I agree with that. The XXXX you were using should have ask you for your proof of income from the start before Issuing you a preapproval letter. He should not have waited as long as he did and I mostly blame him for that. If your income was going to be an issue he shouldve addressed that with you from the beginning.

I cant force you to sign anything but eventually I do believe that they will get an attorney involved and its going to cost you more money If they do And I do not want to see that happen to you.

Show original message -- XXXX XXXX Realtor | XXXX XXXX XXXX XXXX Your agency does not investigate the cases as they should.

I must informed you that Vanderbilt reimbursed me the money they asked for appraisal, but, even though that I authorized Vanderbilt to provide all information to the realtor it seemed that Vanderbilt was not diligent in notifying the parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
US BKPT CT TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX