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

I'm writing as an employee of a XXXX XXXX XXXX company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a USPS mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to XXXX XXXX and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by XXXX XXXX and XXXX XXXX XXXX, summing up to {$170000.00}. 

Our bank, JP Morgan Chase, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department Commercial Crimes Section ( XXXX ) Criminal Report # XXXX. 

The employees of our bank JP Morgan have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with XXXX XXXX XXXX XXXX  business, has hurt longstanding relationships with our suppliers, and now our very own bank JP Morgan this week is threatening to downgrade our credit worthiness. 

The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. 

We received letters from Chase dated XX/XX/XXXX stating that XXXX XXXX and XXXX XXXX XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from Chase dated XX/XX/XXXX stating that they have not yet received a response from XXXX XXXX and XXXX  XXXX XXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. The service we have received from Chase has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Debt collection

I do not have anything on my credit reports with this company, Southwest Credit Systems. They call non-stop every single day and never leave a message. When I block the number, they call back with another number. I looked them up online and they are doing this with hundreds of people, many said they are fake debts.
Product: Credit reporting 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. 

This accounts and Inquiries 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

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

Mortgage was sold by XXXXRushmore to XXXX prior to first payment being due. Received welcome letter and first invoice from XXXX for first mortgage payment due XX/XX/XXXX. First payment made on time to XXXX. Meanwhile, XXXXRushmore Loan Servicing Collections Department began calling. Total of 4 calls received with 3 messages left on XX/XX/XXXX, XXXX and XX/XX/XXXX. Return calls to Rushmore were made each time, however unable to reach anyone due to office being closed, or transferred multiple times without speaking with anyone and eventually gave up and hung up each time. The last call on XX/XX/XXXX from Rushmore, asked the rep to speak with my daughter, I am elderly and she was difficult to understand. The rep kept asking to verify my phone number, which we both know she did not have because my daughter has been handling things. I had my daughter on speakerphone, and admittedly we were both annoyed and upset with this reo. When she finally discussed this mortgage that is no longer with them, she insisted they still had the mortgage until XX/XX/XXXX and said Rushmore needed to be paid. When it was explained to her that the transfer paperwork had already been received by XXXX and that the payment had already been made to them, she said the loan would be transferred on XX/XX/XXXX indicating that the first payment had not been paid!!! This of course infuriated me and my daughter. It was obvious the rep kept putting us on mute, but never put us on hold to check with a manager about the validity of what she was saying. Besides, the payment, if it had still been with Rushmore, it would not have even been past due. The next day on XX/XX/XXXX, Rushmore 's notice to transfer was received. It stated payment was still to be paid to them since they had the loan until XX/XX/XXXX ... .so, why did it take until XX/XX/XXXX to get Rushmore 's notice of transfer, and why was XXXX XXXX notice and 1st billing received in XXXX stating to pay them? Please note that after the 3rd call, an email was sent to XXXX loan department copying the loan officer and loan processor, explaining the apparent issue, however there was no response from them. I believe Rushmore is in the wrong here, and I do not want them reporting my payment late. I did what I was supposed to by acknowledging XXXX notice and paid them on time. Rushmore, late to the party, trying to collect additional funds on a loan they have already sold to XXXX is just wrong.
Product: Money transfer, virtual currency, or money service

I purchased a money order to pay a loan, the money order was returned by XXXX uncashed. I requested a refund online for the money order and the request was successful. Moneygram charged to get the refund within one week, this was from XX/XX/year>, it is now XXXX. I have sent multiple emails, and have submitted multiple tickets online from their website, I still have not heard back. I have called the number that their auto generated system emailed me to call, the number had no options to speak with a live person, neither did it have an option to submit any request tailored to attaining a refund that I have not already done. The refund amount is {$500.00}.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.
Product: Credit card

Kindly remove the late payment remarks and update the status to current or paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 's XXXX, Obtained and Ran 10 hard inquiries on my credit report without my authorization when I was shopping for a vehicle. This dealership was aware that they are not supposed to run this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item not removed,
Product: Credit reporting or other personal consumer reports

This serves as my follow-up complaint as a victim of identity theft. I recently lodged a complaint dated XX/XX/XXXX, disputing items in my file associated with the crime. The contested items have no relation to any authorized transactions for goods, services, or money. Kindly expunge the reporting of these items from my credit file. Enclosed is my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my account under the terms attached in the email below. I was inquiring about my {$400.00} bonus for weeks, only to be told to wait 120 days. After I waited 120 days, I was told my account was inactive. My problem is that not only did I not receive the bonus, but i had no way of knowing that my account was inactive. There is no notation tion on my statements, No email, no letter.     Also, the terms of the offer indicated that the account had to be opened. It did not specify that it had to be active
Product: Credit reporting, credit repair services, or other personal consumer reports

The account opensky was place on my report as a charge off,XXXX years ago its still reporting late payments, on my credit report, witch is a violation of the fair credit report act If the account is charged off it is against the law to continue to report it late as if the account is still open
Product: Debt or credit management

I XXXX XXXX WHO IS FILING THIS COMPLAINT AGAINST XXXX XXXX XXXX AND THE DEBT COLLECTION PRACTICES JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGARDING THE ACCOUNT BECAUSE THE INFORMATION IS MISLEADING OLD AND DOES NOT EXIST. THIS FRAUD HAS AFFECTED MY CREDIT REPORT & MY CREDIT SCORE. TO THE POINT THAT I CAN NOT APPLY FOR CREDIT WITH NO ONE. THIS HAS BEEN VERY STRESSFUL AND TOUGH FOR ME. I BELIEVE THIS COLLECTION DEPARTMENT HAS VIOLATED THE FAIR DEBT COLLECTION ACT. THANK YOU FOR ATTENTION IN THIS MATTER. AND I LOOK FORWARD TO A PROMPT RESOLUTION OF THIS COMPLAINT.SINCERELY, XXXX XXXX
Product: Debt collection

Per the Florida Statue 559.553, debt collectors are to register with the Florida XXXX XXXX XXXX XXXX as a Consumer Collection Agency before engaging in collection activity. The company CKS Prime Investments , LLC has not registered in the state of Florida and has been putting negative markings on my credit since XX/XX/2022. They have that listed as the open date, when there has never been a contract signed with this company. The attempt to rectify this wrong has gone unresolved, resulting in the plummet of my credit score.
Product: Checking or savings account

I've had several fraudulent transactions on previous account ending in XXXX. As a result, this particular account was closed in XXXX of 2023. I've worked with several merchants for reimbursement and reversals during the time of my account closure! I've also contacted my financial institution, ( BOA ) to assist. For several months, I was informed to work directly with the merchants. I eventually submitted the claim to the bank because nothing was being resolved. Not long after I submitted my claims, I received documents for each claim stating that My claim can not be approved because they fell outside of the dispute time frames that the bank follows. However, I was only doing what I was instructed to do which was work with the merchants directly. Also, as I was calling the bank back and forth, it would have been feasible if a representative ( s ) would have told me that I am reaching my deadline. I tried everything in my power to get this done without involving the bank on their behalf. 

Below are the dates that I received the correspondences for my unapproved claims, ranging from the timeframe dispute, along with other unapproved claims and expectations for those. I've also attached statements that I faxed to Bank of America 's claims resolution department. 

XX/XX/2023 for XXXX XXXX XXXX 's for the amount of {$1500.00}. I was double charged one lump sum, and then several small transactions ( dispute timeframe ). 

XX/XX/2023 for the XXXX store in the amount of {$1300.00}. This particular claim was declined due to the charge " being authorized by me or someone who has permission to use the card or account '', per my correspondence. 

XX/XX/2023 for XXXX and the amount of {$230.00}. This merchandise was never received and some of it was damaged. ( dispute timeframe ). 

XX/XX/2023 for XXXX XXXX in the amount of {$5100.00}. The initial total for this valid transaction was {$11.00}, XXXX. The {$5100.00} is from return merchandise that was unable to be processed on a closed account. ( Dispute timeframe ). 

XX/XX/2023 for XXXX in the amount of {$410.00}. This was a valid transaction, however someone picked up my merchandise and the ID wasn't checked. I never received my items. 

XX/XX/2023 for XXXX  in the amount of XXXX. I was double charged for this transaction. I paid the XXXX XXXX directly, however this also falls out of the ( dispute timeframe ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted evidence to Transunion notifying them of an erroneous account by a collection agency called XXXX XXXX regarding an account with XXXX XXXX as the original creditor. I reached out to XXXX XXXX to ask for signatures and all proof validating this erroneous account. XXXX XXXX did not get back to me in 30 days and obviously did not get back to XXXX and XXXX  since they deleted the account. Transunion claims XXXX XXXX verified the account and I asked for Transunion to send me the description of the methods they used to verify this account under the FCRA 611 ( a ) ( 7 ) and they did not respond to me under within the 15 days mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capitol ( Santander XXXX ) reported late payments on two different bureaus ( XXXX ) for XX/XX/, & ( XXXX ) for XXXX of XXXX. All payments were paid BEFORE the due date of the XXXX of each month, which was falsely and incorrectly recorded by Chrysler Capitol ( Santander XXXX  ) I was billed two different invoices for XXXX in which my on time payment not recorded on one invoice and was given a bogus late assessment fee out of no where. Invoice for XXXX shows a on time payment for XX/XX/ but was reported as late on XXXX. I have proof of payments on time for both months in which I have attached for review.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding reporting practices by Concora Credit, which have negatively impacted my credit profile and, as a result my ability to secure housing has been destroyed.

The actions of Concora appear to violate my rights under the Fair Credit Reporting Act ( FCRA ) and also my rights as a consumer.

Under 15 usc 1681 Sect 602 states I have a right to privacy, under 15 1681 Section 604A Sect 2 states a consumer reporting agency can not furnish an act without my written consent, which I never gave.

I am requesting that Concora remove the 2 late payments off my credit reports, XXXX, XXXX, XXXX.
Product: Credit card or prepaid card

On XX/XX/21 chase offered 20 % off on XXXX for gas on chase sapphire preferred card which l enrolled my card ending in XXXX into and filled up tank for {$35.00} on very same day, XX/XX/21. I called today XX/XX/21 to inquire about the credit l should have been given as it usually takes 2-3 days to appear on account online based on my previous experiences with all chase cards and other merchants credit cards. The agent l spoke to was super rude and said that if it doesnt appear within 5 days then there is nothing that they will do as its their policy not to make adjustments for promotional offers. Its not just ethically wrong but also falls under false advertisement and deception if they tempted their customers to use a merchant of their choice for their financial gains by offering rewards but later deny it. My reward comes out to be only {$7.00} based on {$35.00} purchase and my time is more valuable than {$7.00}, however, its a matter of principle and holding these big companies accountable for their actions. I also wanted to lodge this complaint so if its a constant issue and enough people report it then it should be investigated. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with this fair credit report act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2. It also states that consumer reporting agency can not furnace an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Mortgage

We did a recast loan in XX/XX/year> to get our home to 20 % so we could remove PMI. The bank told us we needed to pay {$86000.00} to get to 20 % for it to get removed. So that is what we paid but we just realized they never removed the PMI and we have been paying it for the last 18 months. 
Here is the email from the lender on what we needed to pay to remove PMI. 
If you are trying to get to the point of being able to drop PMI, I do have those numbers. Our system shows that the loan is currently at 94.91 % loan to value and to drop PMI, you need to get down to 80 % XXXX. Your loan will reach 80 % XXXX at a balance of {$460000.00}, so you will want to pay {$86000.00} as a principal curtailment.
Product: Checking or savings account

On XX/XX/18, I opened a Capital One Money Market Savings account that had a bonus offer of XXXX after depositing a total of XXXX by XXXX XXXX.  I made 4 seperate deposits of : XXXX, XXXX, XXXX, XXXX, by XXXX XXXX.  The terms stated that the bonus would be posted by 60 days after the XXXX total had been met, and the bonus still has not been posted. When i contacted capital one, I was told the the XXXX had to be deposited at one time, which is not stated at all in the terms.
Product: Mortgage

My mortgage was sold to Lakeview Loan Servicing , LLC and since the moment they have bought my loan, it has been a complete nightmare. I have Automatic draft set up for the XXXX of each month, and every month i'll get 6-7 phone calls throughout it with an agent asking me if I'm able to make a payment. The payment was made, but they continuously keep putting it in the wrong account. This has been ongoing for month, and even being proactive, calling ahead to get confirmation they applied the payment to my exact loan, I'll still get calls throughout the month telling me i need to make a payment. They go in and check, WRONG ACCOUNT AGAIN. Their customer service is terrible and no help. You get the same response every single time. " I'll take care of this right now for you, it won't happen again '' only to get a call a week later showing nothing was done. After reviewing the XXXX website, there are hundreds of reviews of this same exact thing happening to them. How can this be such a widely known problem and nothing is being done about it?
Product: Money transfer, virtual currency, or money service

Chase bank in XXXX XXXX XXXX.. I deposit a XXXX XXXX money order..on XX/XX/19 .. the bank cashed on XX/XX/19. The money order. Amout {$900.00} : XXXX this can be vertify by calling the XXXX XXXX money order department. @ XXXX XXXX the chase bank is showing a deposit ..but not putting the money active for spending .. transaction # XXXX remedy of relief. Is the money be available for spending ... ..its a medical reasons .. I would like to be notified