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

I have a checking account in JPMorgan Chase. On XX/XX/XXXX I sent a check to my landlord for {$1000.00} for that month 's rent. The check was cashed on XX/XX/XXXX. When I saw on my chase on- line account that my check was cashed as far as I knew my landlord had received the check. The transaction was authorized by a JPMorgan Chase Bank. Due to various differences of payment allocation between myself and my landlord, I was unaware of what really occurred in regard to this transaction until many months later.

What apparently happened was that JPMorgan Chase accepted the check for {$1000.00} even though it was not endorsed. For various reasons which are beyond the scope of this complaint, I only found out from my landlord onXX/XX/XXXX, that my landlord claimed to have never received the check that I sent on XX/XX/XXXX. I told my landlord that the check was cashed but when they asked for a copy of the front and back of the check we discovered that it was not endorsed. 
When I called JPMorgan Chase to see if they can help me find out which bank made the mistake of accepting an unendorsed check and to see if they can help me reclaim it they said they would investigate the matter. They reported back to me after the investigation that the check was either cashed or deposited in a JPMorgan Chase account. The bank representative told me that they know who cashed or deposited the check and that it was a Chase customer. However, since it was beyond the time frame of 6 Months as a bank they are not able to give the information and were also not able to reimburse the money to me.

When I spoke with another JPMorgan Chase representative about the fact that as a bank they are a responsible party for accepting a check that was unendorsed, he reported different information to me. Specifically, his response to me was that my claim was submitted exactly one day past the 365 days they have for such claims. The date for the filing of my claim according to JPMorgan Chase was XX/XX/XXXX. This is the date they use on the denial they sent me. However, they fail to give the reference number of my claim. According to my records I had a number for the claim prior to XX/XX/XXXX. 
Either way JPMorgan has accepted an unendorsed check. They also have the information of the thief. They are refusing to take responsibility for this very basic error on their part, and they are also effectively collaborating with another client of theirs which according to their own admission is a thief.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. Please remove the following items listed on my fraud report & listed below. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

So XXXX 's went Bankrupt and due my current financial situation my income has been reduced. I have called to set up payment plans or reduce amount several times only to be told I have to wait until my account goes in to Collection status to have them react .Just recently, they reduced my credit scorXXXX over XXXX points because of it and its not a fair Credit ACT policy to at least allow consumers to set up a payment plan to allow payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX and also XXXX letters about a miss payment that they reported 90 days late. I asked them to verify that this was indeed correct, However, they sent me an updated report stating that it was correct. I know that it's not correct because I was in a deferment at the time. Due to me being in school. As I looked over my report that they are claiming I was late, by law they have to report every month that I was late., However, they reported that I was late in XXXX XXXX, Let me tell you all how dirty Experian just is, Because they could not show any record of me being late on a payment. They took it upon their selves to go in and switch every student loan date that had reported 90 days late and only marked in XX/XX/2019, with all the other slots being checked ok. So Now they read a late payment in XXXX, XXXX, XXXX and XXXX. This is so much against the law and I am thinking about contacting a lawyer. Luck for me I print out all credit reports. Even have the ones from last year and two years ago from when they claim I was 90 days late. So please explain to me why did you all go and change them and never notified me of this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! I have been utilizing Credit Karma in order to learn new information that pertains to building better credit. I have been utilizing their services for a couple years now. After improving my credit quite a bit, they started sending me loan offers and credit card offers labeled as outstanding odds of approval! and great odds of approval! After finally getting my credit somewhat healthy, I decided to apply for a XXXX XXXX card and applied for it through Credit Karmas app due to it saying you have outstanding odds of approval! I applied for the card on XX/XX/22. I was denied. It also put a hard inquiry on my credit report and lowered my credit. I dont feel as if this is fair. If they are to be trusted with all of my personal information but theyre telling me I can get approved for a card and I get denied, that doesnt feel good to me. They obviously cant be trusted. Enjoy your night and thank you for taking the time to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 I received a an alert from my credit monitoring service that Amsher Collections Inc., reported a collections to all three credit bureaus. I had no knowledge of the alleged debt. I called the phone number listed on my credit report that was associated with Amsher Collections Inc., and spoke with XXXX of their representatives. I informed her that I had no knowledge of this alleged debt and that no correspondence was received. The representative stated that correspondence should have been sent, but can't state for certain. Amsher Collections Inc, is in violation of FDCPA 1006.34. I received no correspondence to allow me the 30 days to dispute this alleged debt. I'm requesting that Amsher Collections Inc., remove this negative reporting and provide documentation of ownership of this alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. Equifax XXXX and XXXX all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/. The XXXX case number is XXXX for Equifax. XXXX XXXX number is XXXX on XX/XX/XXXX, XXXX.The XXXX Case number is XXXX also on XX/XX/. All case number are the XXXX case number.
Product: Debt collection

XXXX XXXX, XXXX. Pursuant to FDCPA XXXX I requested XXXX & XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.
Product: Credit reporting or other personal consumer reports

In-between XX/XX/year> and XX/XX/year>, i contacted Capitol One. I Informed the representative that I recieved a Hard Inquiry on my credit report, on XX/XX/year>, and that I did not authorize nor request any credit or business from them. That it was a case of identity theft/fraud. Further, I requested the name of the impersonator that tried to use my information to apply for a credit credit, and date the application was submitted. The representative stated that they did not find any application and that it can he a case of identity theft or fraud. However, they did not forward their findings nor provide me any information to the Hard Inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company isnt complying with time policy. Took over 30 days. No response. if Authorization is needed call XXXX.
Product: Checking or savings account

reopen. XXXX. This is a checking account that I reported fees on my account because you refused to accept the data that was used on my account. XXXX was credited on my account. there were other fees that you refused to investigate. so I investigated after I received that you reported to the collection of credit. I responded to the collections office that you reported me to. there was about 3 and each time I got the charges off the bank account. I noticed that the amount was credited to my account but you didn't take off the over-drawn changes. one amount was XXXX that was over or closed to 200 dollars. the car was favor on my behalf but could not take off because they said that you should have given me my money back and they couldn't because I could not prove that you did not give me the funds. 

I spoke to your corporate office and was told that you should have taken the charges off and they did not understand why. again I asking you for the funds that you owe me and to take me out of the credit collections. 

I requesting all data from this bank account all credit collection notes. all fees that has a credit to my account and the amount that was taken off. you indicated that I owe you you must report all the information I asked for. send you all information in the paperwork also the car wash charges me twice for one car wash so the proud was if I purchase a monthly bill why would i get a wash if you investigate this the car wash knows that I cancel. just by seeing the double charge. again NSF fees. 

looking forward to my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 account removed from my file. 
NEGATIVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX has been calling me everyday during the week and on weekends outside of the FDCPA allowable days and times. They call me before XXXX my time zone, they call me on federal holidays, they call me on Sunday 's as well. 

They call excessively all day thru out the day, they will have an actual person call me or a robot system call me. 

I have complained about this to them three times and they still are breaking the FDCPA laws.
Product: Consumer Loan

I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023, and XX/XX/2023, Transunion allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Transunion has proof of this dispute received from me, please forward it with your response to this complaint.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I see accounts on my credit report that I have no connection to. Following Equifax 's guidance, I filed an FTC Identity Theft Report and submitted it, along with all necessary documentation. Despite these efforts, these fraudulent items remain on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 states ; a consumer reporting agency can not furnish an 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 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 am formally submitting this CFPB Complaint to the Credit Bureaus to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The accounts XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$17000.00} appears to be reporting incorrect information : account number, payment status, and date open. I don't believe I was late on the dates you mention. Please update all late reporting on this account and report the payment status as positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Balance {$1700.00} Opened XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a compliant ( XXXX ) on XX/XX/23 in reference to these accounts being reported to my consumer report without permissible purpose. Understanding that I've never provided my " written instructions '' to you or any furnisher to furnish anything to my consumer report, im demanding that you send me a description of the procedures used to determine the " verify '' these accounts pursuant to 15 USC 1681 ( a ) ( 7 ).
Product: Credit card or prepaid card

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY WF/DILLARD I have called, mailed, and disputed online and they still have not to removed the account even though WF/DILLARD confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.
Product: Debt collection

I RECEIVED AN ALERT ON MY XXXX REPORT FOR A COLLECTION ON XX/XX/XXXX. THE COLLECTION AGENCY IS MIDWEST RECOVERY SYSTEM IN BEHALF OF XXXX THE ORIGINAL CREDITOR. THIS IS AN ALLEGED PAYDAY LOAN THAT WAS BORROWED BACK IN XX/XX/XXXX. I HAVE NEVER GOTTEN A PAYDAY LOAN FROM THEM. I CONTACTED THEM AND TOLD THEM THAT THIS IS A SCAM. I ALSO CONTACTED ALL XXXX OF THE MAJOR CREDIT BUREAU. THEY HAVE PLACED A FRAUD ALERT ON MY CREDIT REPORT BECAUSE THIS COLLECTION APPEARS ON MY REPORT. THESE PEOPLE ARE SCAMS ARTIST BOTH MIDWEST RECOVERY SYSTEM AND XXXX. I DID ONLINE SEARCHES ON BOTH AND I SAW THAT THIS HAPPEN TO ALOT OF PEOPLE.