23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

JPMCB CARD I Have tried to contact them and explain to them that i no knowledge of a credit card with them.
Product: Checking or savings account

I have tirelessly fought with this company trying to get my money returned to which I get ignored or told they have no updates for me at this time. It has been 2 years now and I can't seem to get any help or resolution. My account was charged three times {$730.00} for XXXX XXXX XXXX XXXX tickets for XX/XX/2022 all 3 times including the insurance in case something happened. So 1st of all I didn't need 3 purchases of same tickets, 2nd of all I bought insurance because it's my luck so always make sure, 3rd I kept in contact with the place the comedy show was happening at and I had broke down on the way to event and was told I would get a credit with XXXX XXXX to use for XXXX XXXX or any other event totaling the same amount unless of course I wanted to pay any difference and that I would be fully refunded for the other 2 transactions buying same tickets 2 more times told there was a glitch in system probably. Well never received my credits never received my refunds it's almost 2 years later and XXXX nor PayPal have rendered this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

My direct deposit is missing. It was supposed to be submitted to my bank on Thursday morning. It is now Saturday and I still have not received it and I have upcoming transactions that are gon na post to my account and the bank has been unable to give me status.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 - Sent a " Down payment '' ( {$670.00} ) over XXXX to a landlord for the house. We have texts, receipts and a paper trail and the institution wont even investigate for fraud.

When we tried to call back and confirm everything with the receipts, the number was blocked and we could not contact them again. 

After the number ended up being blocked, we tried to call XXXX and Mountain America Credit union, and the Credit union wouldnt even take a look at the case. That was the last money that we had and this NEEDS to be resolved.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, Calif. XXXX XX/XX/2020 Capital One / XXXX XXXX # XXXX I am enclosing a copy of my letter to Capital One, dated XX/XX/2020. Please re read the letter, it is my response to your request for payment. 
You have sent me a dumbed down response ( Letter ID XXXX ) requesting a Bring me current payment of {$420.00}. You closed the account after I paid you {$550.00} on XX/XX/2020, my balance at that point was about {$2700.00}. You then added 4 months of interest after you closed the card. All of this activity by Capital One was during the 2020 Pandemic and the introduction of Cares Act. No more payments will be made until a realistic response to my XX/XX/2020 letter is addressed. 

Sincerely, XXXX XXXX
Product: Mortgage

Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.
Product: Credit reporting or other personal consumer reports

Identity theft report # XXXX lists the following fraudulent accounts I found on my Experian consumer report : XXXX XXXX  acc # XXXX, XXXX XXXX XXXX acc # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account COLLECTIONS UNLIMITED is not my account. The account does not belong to me. This means that I was not the person which had this account with COLLECTIONS UNLIMITED. COLLECTIONS UNLIMITED has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the COLLECTIONS UNLIMITED account must be deleted from my credit report.
Product: Debt collection

XX/XX/2018 Amount is {$250.00}, Debt reported that's not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these inquires and they are giving me a hard time. There should only be two hard inquiries. They also have my account almost XXXX points lower than the other two reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. 

Please accept this letter under RESPA and/or TILA. 

Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I paid the balance off for my line of credit. At that time I received an email thanking me for my payment. The same email advised me of a line of credit in the amount of {$1400.00}. When I attempt to withdraw a couple of days later, the amount available was reduced and the transaction history showed amounts withdrawn ( not by me ). The company is unable to explain why.
Product: Credit reporting or other personal consumer reports

XXXX Is In violation of law code 15 U.S.C s 1681 Improper use of my personal information INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

end of XXXX, I had become ill and I spoke with Discover Home Loans my 2nd mort co for loss mit options. I started the process of working with their loss mit depart. I called them regularly and attempted to send in documents that they asked for. My doc rejected for host of reasons. I later got a notice of default, and my home was going to be auctioned off. My XXXX mortgage co had worked with me and I was up to date. I contacted Discover XXXX time to attempt to work with them. After a long battle I was able to complete a loss mit application on XX/XX/XXXX. My house was put on foreclosure hold. On XX/XX/XXXX I spoke with Discover to report harassing people at my door from XXXX and verified i was on foreclosure hold. XXXX XXXX I called I was told i was suddenly denied loss mit XXXX and i would receive a letter stating denial was XXXX after ( XXXX XXXX  ) and he said I had until XX/XX/XXXX to appeal. I called again XXXX to verify what date i had to appeal by i was told I had XXXX cal days to appeal from XXXX. I called on XX/XX/XXXX to report I still had not received the denial letter and I was told I had 14 days from XXXX to appeal. I informed the loss XXXX rep I had been told I had 30 days to appeal from XXXX by XXXX loss XXXX agents and she said I don't care what others told you you have 14 days from denial date. I was in total panic thinking I had 30 days from XXXX to appeal. I did not have enough time to even prepare the appeal correctly. I contacted attorneys office XXXX time and explained what was happening to my surprise and I had not heard from them by XX/XX/XXXX so i sent in a appeal with no legal help which I did not know what to say and what I should send in. 
I sent my appeal in via email and attempted fax but the fax would not go through. I did not have enough time to speak with a lawyer for legal assistance. I was told twice false information from Discover which could cause my home and my children 's home to be foreclosed on.
Product: Credit reporting or other personal consumer reports

Experian Information Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft I recently obtained a copy of my credit report from Experian and found a discrepancy that I did not authorize and have no knowledge of. The account in question is : - Account Name : XXXX XXXX - Account Number : XXXX - Reported Date Opened : XX/XX/2023 - Reported Balance : {$340.00} I am writing to inform you that this account is fraudulent, and I have not authorized the opening of this account nor any transactions related to it. This is a clear case of identity theft. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am formally requesting that you block the reporting of this information and remove it from my consumer credit report. According to the law : " No consumer reporting agency shall furnish for employment purposes, or in connection with a credit or insurance transaction or a direct marketing transaction, consumer report information that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( a ) appropriate proof of the identity of the consumer ; ( b ) a copy of an identity theft report ; ( c ) the identification of such information by the consumer; and ( d ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''
Product: Money transfer, virtual currency, or money service

A person by the name of XXXX XXXX on XXXX created a post collecting fees for softball league and registration. Collected an amount of {$210.00} from me also gave me all the info correctly telling me the park the games were going to be at, how many games, how the uniforms looked like, etc. as soon as I sent the money I thought everything was okay because he responded back to me with no issues but upon seeing a post that I was not the only one his account was deleted and I was scammed.
Product: Credit card or prepaid card

I am writing to request the correction of Barclays ' credit reporting on my credit card account. 

The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it  impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history. 

I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections. 

Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. XXXX  and Experian have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH EXPERIAN, XXXX  AND XXXX  ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX XXXX  XXXX XXXX - XXXX  XXXX   XXXX  -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 5. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX
Product: Debt collection

I guess I don't have room for a long story so I'll kind of keep it brief there's a company called FCI lending services/XXXXXXXX XXXXXXXX XXXX Play papers for a vision of the property that I've been paying for for the past 5 to 6 years since my brother passed in XXXX or XXXX now for one year I've kind of had to do repairs on the house and I was sending what I could or makes me up the the mortgage slips and still trying to send the money now XX/XX/XXXX I have paperwork that says this law firm XXXX XXXX the XXXX XXXX Florida bar number is XXXX is trying to evict me from my residence when there is no foreclosure I've tried settling with them with the money I do have from my accounts equaling up to {$6000.00} but they're a little lawyer fees and the mortgage they want more than {$10000.00} and I don't wan na work with me I lived in this house for 11 years my mom has died in this house my brothers died in this house I am trying since the pandemic to try to catch up with the mortgage with the stimulus package and also helping others get back on their feet by letting people stay here but when they steal from me I have to replace stuff also also this company since my name is not on the mortgage but is on the last will and testament of my brother and have shown them both copies of the of these PaperWorks that they refused to put me as a co-mortgage holder so I'm able to get homeowners insurance on the house I've survive in this house 3 to 4 category five and have damage to the house and to the outside carport I know the mortgage company called XXXX XXXX sold a mortgage to the XXXX XXXX XXXX FCI and records then they are supposed debt collectors know I've tried reasoning with them and trying to get some insurance money since I have house damage to the house and have mentioned to them multiple times per phone call and in person from a young lady named XXXX XXXXXXXX to her about code enforcement saying that the house needs a paint job and they don't like my window coverings that I have for hurricane so they did help me repaint the house and put a new set of windows up but I still have roof damage this company has housing insurance or hazard insurance on my residents that they do not want to help in anyway even though that I'm paying for hazard insurance through the mortgage
Product: Credit card or prepaid card

I am writing to file a formal complaint against Chase for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Chase detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Chase rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer ri I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Chase is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that Chase fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 

Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Chase and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from TransUnion on XX/XX/XXXX and discovered under " Special Messages '' a message that said " INPUT CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' This is untrue. I live in a single family residence. You can XXXX  the address and see that my home is a single family home. I called TransUnion and asked them to correct this information and was told that it was done. 
I pulled my TransUnion credit report on XX/XX/XXXX and discovered that the message still existed under " Special Messages. '' I again called TransUnion and was told to send a copy of my driver 's license and a current bank statement and the message would be removed. I sent the requested information to TransUnion. 
On XX/XX/XXXX I again pulled my credit report from TransUnion and this information is still being erroneously reported on my credit report. I again called TransUnion and was told to send in a copy of my driver 's license and a current bank statement, even though the person I talked to told me that he could see that I sent this information in last year. I complied with his request and resent a copy of my license and another current bank statement. In the mail today, I received a new copy of my credit report from TransUnion. The Information that my address is a hotel/motel or temporary residence is still on the report. The exact wording now is " FILE CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' I have asked that this be corrected three times, beginning in XX/XX/XXXX. Under the Summary of Rights that TransUnion sent me it says that " Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. '' I have waited long enough for this to be removed.