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

For the past 35 years I have had a checking account and fee-based credit card at JP Morgan Chase. About three years ago I was solicited by one of their financial advisors, in the XXXX, Ct. branch to open a Chase Private Client investment account, which I did. No management fees were involved. 
One day in XXXX he informed me that he may be losing my account and that " it was out of his control. '' When I received a call from my new Financial Advisor ( FA ) in a town 40 miles away I called my FA. He NEVER returned my calls to give an explanation for the transfer, which was without my consent. When I finally saw him all he would say is " I am not your F.A. and I do n't have to speak with anymore. '' About three weeks later In about XXXX XXXX I received a notice from JP Morgan informing me to close my checking account within 30 days. Days later I received another notice telling me to close my brokerage account within 60 days. Neither letter gave a reason. 
I have written to the office of the XXXX, XXXX XXXX and to other parts of the bank asking that my checking account be reopened ( BUT NOT my brokerage account ). I have also tried to reopen the account at another branch to no avail. The Compliance Department in Texas appears to be blocking any resolution and nobody will give an explanation. As an aside my former FA has either been fired or abruptly resigned in XXXX XXXX. After being a client for 35 years with an impeccable credit rating ( I still have my credit card there ) this is grossly unfair. I have come to believe that I am the brunt of an emotional problem the FA had who must have concocted a wild exaggerated story for the bank to have done this. All I request is that my checking account be reopened.
Product: Credit reporting

XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.
Product: Debt collection

I was renting an apartment thru XXXX and they are adding charges I don't owe. For extra maintenance fees and damage fees when there was no damage when I left the apartment and at time of eviction it wasn't the amount they're fraudulently trying to get from me
Product: Debt collection

All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back on XX/XX/XXXX, XXXX requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submtted a dispute via certified mail to XXXX, XXXX, and TransUnion regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item XXXX XXXX XXXX XXXX  Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to XXXX different credit agencies that are all claiming they have verified these items with XXXX. On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and wiull not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX TransUnion sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to XXXX, Equifax, and XXXX, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.
Product: Credit reporting or other personal consumer reports

Unidentified inquiries where discovered when credit was pulled, thats insane that someone running my credit consistently back to back like that XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Debt collection

I owe cash call a debt, I have paid them regularly but have had to make arrangements to make payment later than usual or to skip a payment due to financial hardship. Although they set up plans with me to stop an automatic payment they continue auto draw my acct. I have an agreement with them now thru a supervisor to pay tomorrow XXXX/XXXX/15, today XXXX/XXXX/15 they have called XXXX times, using unk caller so I ca n't call back. I believe this is a violation of the law and when I asked them that they said they can call as often as they want
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX, Balance {$810.00}, Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, Balance {$1300.00}, Original creditor XXXXXXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX on behalf of Funding Metrics has violated the privacy rights as a citizen by contacting my elderly mother and other family members by leaving voicemail messages saying that me and my company would be sued. I have never heard of this company or representative so he sounded incoherent. I did not recognize the number nor did he sound like a legitimate company. He only called me once so I can only be concluded and alleged that XXXXunding Metrics put this person up to this because it is not much information about this company anywhere except for a website and a XXXX XXXX. Per the documents below-he knew that I was not at those numbers and that it was other family members he was leaving the messages for. He admitted that he left sensitive confidential private information on various family members cell phone numbers and home numbers which those numbers were not tied to me. After I sent a Cease and Desist letter to the owner of Funding Metrics and XXXX so he continued to reach out to my family members discussing sensitive information regarding a Financial matter after I asked him to refrain from contacting my family or business associates. I informed Funding Metrics of the collection activity so the representative apologize and told me to reach out to a manager so I have included the CEO of Funding Metrics since there is no contacts listed that we could reach out to this person who Funding Metrics employed. We are humans so they have left threatening messages to me and my mother. My mother was disturbed by the voicemail messages where he said that he and Funding Metrics would sue me and my company. I am looking for assistance per the XXXX ways of this company has contacted me and other family members. This company has revealed personal financial information to my mother and other family members and leaving messages to threaten to sue me and my company. He has called other family members to discuss important sensitive financial matters which violated my privacy rights of me. It has been discriminatory in terms of the financial terms and collections efforts. This company has left multiple messages to harass, bully and embarrass me and my family. I have spoken to XXXX of Funding Metrics so it was no need to violate my privacy rights and civil rights. I communicated to XXXX that the financial was not correct.
Product: Debt collection

In XX/XX/XXXX, I got an invoice in the mail from my urologist, stating I owe him money from XXXX, XXXX, XXXX. I called XXXX XXXX office with the billing department and asked them how come they are sending me this invoice in XXXX for the first time after XXXX  years, for a debt that I don't think is mine. I reminded them that every time I went to see XXXX XXXX, I pay my co pay or whatever invoice they had me over. The lady in the billing department said that recently they switched to a new billing system and that the system said I owe them that money. I asked them to send me to prove that I owe that money by providing me an itemized receipt with codes, dates, service, copays and payment from the insurance and what they did is they sent me to a collection agency. I spoke with the collection agency and explained the situation, I asked them for the same itemized receipt i asked XXXX XXXX 's office. I need them to prove to me that I owe that money and they keep sending me an invoice, not the itemized receipt with billed codes. they have not sent me anything proving that I owe that money. I keep asking them not to call me until they send me what I asked for but they keep calling. I need this to stop. I sent an email to the collection company to the email listed in their letter, but it bounces back saying they are rejecting my email. I went to their web page and wrote them directly there asking them for the same. but they do not pay attention. they keep calling. I need them to remove me from collections and do NOT sell that note to anyone else, so i do not want to go through the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is with reference to my XXXX XXXX credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I sent Equifax a dispute letter via priority mail, they received my letter on XXXX, and since that time they never responded to me, according to the tracking number by USPS, Equifax received my dispute letter on XX/XX/2019, I mailed it to the same address that I have mailed to many times before, and Equifax has always responded, so I know it wasn't the wrong address. The address I mailed to, was XXXX. XXXX XXXX XXXX, GA XXXX, the tracking number that verifies they received it is listed below. 



Equifax tacking number for XXXX XXXX
Product: Debt collection

Medicredit, a collection agency, keeps placing supposed debts on my credit bureau without contacting me regarding the debts prior to adding them to my credit file. The items in question have been paid by insurance but are still being posted on my credit file. I have dis [ uted all items and some have been removed while some have not. This is constantly lowering my credit score. This company has even went so far as to put the same account for collections in twice.
Product: Credit reporting or other personal consumer reports

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

THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. This is actually my fourth OR fifth dispute about this. I seriously want CFPB to look at the way Transunion/XXXX XXXX is handling my credit file. THEY ARE MISHANDLING IT. I called transunion yesterday and had to start ANOTHER DISPUTE FOR THIS XXXX wound up speaking to an English Speaking Rep named XXXX file number with Transunion is # XXXX. She told me that XXXX XXXX is " UPDATING BITS AND PIECES OF INFORMATION ABOUT ME THATS WHY IT STILL ON TRANSUNIONS REPORT. '' I asked " what bits and pieces of information? '' She said LIKE YOUR NAME, ADDRESS PHONENUMBER OR BALANCE. '' Well THAT DOESNT PROVE ANYTHING. I SAID IN MY LAST 4 DISPUTES/COMPLAINTS THAT I WANTED PROOF THAT THE ACCOUNT BELONGED TO ME. PROOF MEANING A COPY OF THE PROMISSARY NOTES/ORIGINAL INSTRUMENT WITH MY NAME ATTACHED I NEVER APPLIED FOR ANY OF THESE LOANS IN MY LIFE. THEY ARE NOT MINE. IF WE GO TO COURT THE JUDGE IS GON NA WANT TO SEE IT OR IM SURE HE WILL DISMISS THE CASE. XXXX AND XXXX BOTH REMOVED ALL 3 XXXX XXXX XXXX XXXX ACCOUNTS XXXX, XXXX & XXXX BC APPARENTLY XXXX XXXX COULD NOT PROVIDE THEM WITH DOCUMENTATION PROVING IT WAS MY ACCOUNT LIKE I ASKED. I THINK TRANSUNION IS MISHANDLING MY FILE AND PUTTING ME AT RISK. THEY ARE VIOLATING MY RIGHTS WHY IS THIS MY FOURTH COMPLAINT???? THIS HAS TAKEN WELL OVER 60 DAYS FROM THE INITIAL COMPLAINT FILED BACK IN XXXX. THEY 'RE GOING TO TRY AND COME BACK AND SAY " THE INFORMATION IS UPDATED '' AGAIN I DONT CARE WHAT THEY UPDATE I CAN CREATE AN ACCOUNT AGAINST SOMEONE RIGHT NOW AND SWEAR THEY OWE ME X AMOUNT OF DOLLARS AND SEND IT TO TRANSUNION AND THEY ARE GOING TO PUT THAT ON THAT PERSON 'S CREDIT FILE AND HERE IT IS THIS PERSON DOESNT OWE ME ANYTHING. I DONT HAVE NOTHING SHOWING THEY DO. NO DOCUMENTATION WITH THE PERSON 'S SIGNATURE STATING THEY APPLIED FOR MY SERVICES OR ANYTHING. I URGE CFPB TO LOOK INTO THE WAY THEY ARE HANDLING MY CREDIT FILE. IMPROPER USE. THIS IS MY LAST COMPLAINT NEXT TIME IM GOING OVER CFPB 'S HEAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative on more than 2 occasions filed a dispute by letting them know I never authorized any one to run my credit. They submitted a dispute but some how it came back verified and the credit reporting agency never removed the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are STILL reporting inaccurate information in this accounts 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 30 DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON 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

In Response to XXXX, From the compliance department with LVNV Funding and Resurgent Capital Services L.P . 

I have provided LVNV with a copy of the Identity theft report I have enclosed in this complaint and my previous. I was told to by multiple sources to file a Identity theft affidavit with the Federal Trade Commission. I was XXXX  from XX/XX/XXXX recently released  from XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX. I have no knowledge and have never used credit in anyway and have provided my sentencing and release date and time enclosed in the affidavit submitted to the Federal Trade Commission! Upon my release and contacting the Local Sheriffs office I was told to file a complaint with the federal trade commission being I dont have a Idea of the Perpetrator or know who has opened these fraudulent credits cards in my name so a police report could not be filed. I am keeping on record of LVNV and the respondent knowingly and acknowledging me providing this complaint and along with the complaint the identity theft affidavit and telling me false steps and actions I need to take to have these Two collections with this company removed. Under the Fair Debt Collection Practices Act. The Act prohibits debt collectors from making false statements. If this company is knowingly refusing to delete a known fraudulent account which I have provided the necessary affidavit that is unethical and a breach of my rights. This is my second complaint with the CFPB with this company and Im hoping to have this resolved and these matters deleted. My next step will be to take Legal Action which I have already have had a paid consultation to do so. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX 2. XXXX CHRYSLER XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to XXXX  and XXXX  about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Product: Student loan

I was a student enrolled in XXXX XXXX. Because it wasn't a profitable program anymore, they pulled my major out from under me, forced me to switch to a performance degree, and lied to me about what my options were by telling me I didn't have a choice. I paid over XXXX in tuition to these criminals. 
Fully private high interest student loans that were used to pay for the major they canceled, credits they threw in the trash ( but charged me for. ) Those loans are paid off now. 
I tried talking to them about it when I realized how fraudulent that activity was and have been immediately disregarded and swept under the rug.
Product: Prepaid card

I have a Rushcard. Where do I start? My paychecks were deposited late and my balance has continued to be wrong. My card is not working for some bills. My car payment and credit cards are now late and have been assessed fees. IXXXXwas forced to pay out additional money to keep utlites on because i failed to keep original agreements. Customer service is not taking calls. It hangs up on you or you wait on hold for hours. Items having been pending for 10+ days. iXXXXhave been overcharged at the gas pump and double charged for online purchases that occurred prior to realizing my account was having a problem
Product: Checking or savings account

I went to a Truist branch located, XXXX XXXX XXXX, XXXX XXXX, FL to open a business checking account on XX/XX/2023. Account was setting and got access to online banking and receive debit card days later. But XXXX days later my online access was revoked and when I called to costumer services, I was told my account was taken down and canceled because fraudulent activity. Same day I went to the XXXX where I open the account with more IDs to fix the problem about fraud because nobody told me what this was about and the person in charge of the branch because there is no XXXX told me Back up office " close the account and aventually I will receive the refund of my deposit by check. So far, I have not received my check and this phone number XXXX opt XXXX. ( fraud activity ) do not know nothing about any check and they can not have access any longer to that account. And they want me to go again to the branch and request my money back. It's not this funny?