23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Re : XXXX Continue debate over JP Morgan credit card that was issued to me put back in early XX/XX/2018 for travel. I think XXXX and JP Morgan 's plan was to keep any employees 50 and over too tired so we didn't notice that they were stealing from our credit card accounts we were working 7 days a week and 10 hours a day and my last day for working with XXXX was XX/XX/2018 yet JPMorgan kept changing the Auto machine to say different things when I called to check on my account, and I wasn't working nor using their credit card. Now starting with the auto machine it was at one time {$4000.00} that this bank had been asking for in beginning but I only had XXXX   XXXX so I sent it and at that time I was trusting that the government Bank was a good bank being a good steward staff member. A JP Morgan staff person told me the {$3000.00} was for the XXXX XXXX, so I called to XXXX XXXX  and they said they had already been paid in full. This is when I knew JPMorgan Chase bank was Bank was telling lies. Also this bank did not tell me that the hotel the XXXX  XXXX although a crooked Hotel had already taken their {$150.00} to pay for the time I had stayed there- JP Morgan owes them {$150.00} more, and JP Morgan shouldn't be just as corrupt to steal from them. JP Morgan- Chase Bank sent me invoices this bank calls them ( disputes ) but on the banks auto machine they called it my credits. JP Morgan Case Bank gave me a check for {$1700.00} attached. After I sent this bank my $ XXXX XXXX paid $ XXXX then this bank set up a credit for me, that I didn't ask for. My age is a perfect prey in fact any workers XXXX and over and XXXX -Home land Security was hoping we didn't notice what they were doing and I didn't know either until the dispute. I will let the XXXX protection know and the elderly protection know what what's going on with JP Morgan Chase Bank. I told my boss and he just cut off my XXXX-off and went into hiding. THIS lets one know this bank is corrupt and XXXX. I have put in a report with the Police. Now if JP Morgan- Chase Bank wants to go to court they can bring their invoices in strong reasonings with them. The Banks auto machine began to say I owed JP Morgan- {$630.00} then they say - I had it in credit. This amount was from a case that I won back in XXXX XXXXand I spent the whole XX/XX/2018 fussing with a JP Morgan Staff woman -XXXX  XXXX about a case that has already been settled in XX/XX/2018, ( how crazy is that? ) So I requested a man staff of JP Morgan to look over my account there at this bank. JP Morgan 's auto machine began to say that I had XXXX in credit I requested that-but never got, it then it said that I had a credit of $ XXXX so I requested that, but never got it.My $ XXXX JP Morgan wants it back I say no and we can go to court and they can bring all the paperwork and invoices I'm ready to go
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX  XXXX  who both billed for the insurance and offered it from the beginning. XXXX XXXX  received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.
Product: Credit card

I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX  2 ) Experian 3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about XXXX XXXX of the same date.
Coin base notified me of price drops for digital currency 's such as BitCoin.
The price was very volatile and I ended up being charged between $ 180- {$300.00} over each price. That I originally paid for. When the price of bitcoin went up I tried to sell one was high and discovered that I had paid more than originally intended and was unable to sell any of my current holdings.
Product: Vehicle loan or lease

I was unaware that PROFESSIONAL FINANCIAL SERVICES OF OHIO , LLC, did not fully disclose the terms in our consumer credit transaction, I was told that i needed to put down {$3000.00} in order to secure the loan and get the car. I sent a letter 30 days ago and no response at all. 
But as it has come to my attention that in any consumer credit transaction the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 15 usc 1605.

As well as If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. Pursuant to 15 usc 1615.

As the natural born man and consumer, I am demanding that my downpayment to be refunded to me immediately as well as ALL PAYMENTS I have paid since XXXX/XXXX/2020
Product: Credit reporting or other personal consumer reports

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures.National credit adjusters, all state, and XXXX XXXX XXXX accounts reported on my report. 
Sure, heres a template for disputing an issue related to XXXX Code XXXX, which pertains to the sharing of nonpublic personal information by financial institutions : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Name of the Financial Institution ] [ Institution Address ] [ City, State, ZIP Code ] Subject : Dispute of Nonpublic Personal Information Sharing - Violation of U.S. Code 6802 To Whom It May Concern, I am writing to formally dispute the sharing of my nonpublic personal information by your institution, which I believe constitutes a violation of U.S. Code 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures. 

I have recently become aware that my equaifax and experian shared nonpublic personal information was shared with all state, XXXX XXXX XXXX, national credit adjusters without my explicit consent and without receiving the appropriate opt-out notices required by law. This action is a direct violation of the protections afforded to me under XXXX XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX Purchase - {$1300.00} XX/XX/XXXX XXXX Purchase - {$2400.00} Hello, These charges on this card are not mine. I'm not using this card as much lately and I see about {$5000.00} worth of fraudulent charges. I dont use XXXX I dont know if that is a shipment of something but I KNOW I havent spent {$5000.00} like that. I called twice as soon as I saw and they said " Capital One is Closed '' so until then Im sending this. Thank you. 

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

THE FOLLOWING EQUIFAX INQUIERIES WHERE NOT AUTHORIZED AND WHERE POST INTO MY ACCOUNT FROM XX/XX/XXXX TO XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have received reward dollars on a Debit card issued by Money Network. They have my money on the account and are holding it claiming the Federal Government requires them to collect sensitive personal information about me before they will release the funds. Everything I see and read about this Money Network is a horrible review and I 'm in fear that my personal information is now in jeopardy. I wish to report their business practices and unreasonable demands on their patrons.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I wired the down payment for the purchase of a home to PNC Bank in the amount of {$77000.00}. It was discovered that fraudulent wire instructions sent via email were used on XX/XX/2022 when my husband and I were signing closing documents at the title company, Fidelity XXXX XXXX. That evening I submitted an IC3 Complaint Referral Form to the FBI and was told by the escrow officer on XX/XX/2022 that the FBI had contacted PNC Bank and put a freeze on the account. I also submitted a wire recall claim with the originating bank on XX/XX/2022, XXXX XXXX, and there is an ongoing investigation at this time. I also contacted a live person at PNC Bank but was told that they couldn't give me any information. 
In my conversations with XXXX XXXX, the originating bank, I've been told that all of the requirements to PNC Bank have been met however we still have not received any of the funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got my report and realize there was unauthorized inqury for Comenity cap XXXX  Bank reach out to Comenity Bank and they sent me a letter saying it will be removed in 60 days but the XXXX credit bureau has not done it or either Comenity cap fron has not sent it to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra 611.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that i was a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXXXXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many things wrong with my credit report and I am so tired of trying to get Equifax to correct this. They are purposely reporting information that they know is not correct. They know that I was part of the security breach they had both times and no matter how much I request verification, they send a generic response " verified ''. They have multiple incorrect addresses, several accounts that do not belong to me, bankruptcies that they have not verified and are not mine, inquiries that are unauthorized! Like can they report correct information!!!???? 

Incorrect addresses : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Incorrect accounts that are not mine : XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX *collections* XXXX XXXX $ XXXX Opened XX/XX/XXXX *collections* XXXX XXXX {$430.00} Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This loan is over 20 years old paid off over 14 years ago and still is showing up on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately
Product: Debt collection

Began calling a few days after missed credit card payment. Calls as much as 30 times per day, every 15 minutes. No day passed without at least 10 calls. Using phishing phone numbers from my area code. Using as many as 18 different phone numbers. When I called the phone numbers back, they ALL answered " Capital One. '' Never leaves a voice message, just incessant malicious harassment at a time of national coronavirus crisis when they know millions are struggling financially which makes this behavior all the more heinous. When I complained about the calls, they suspended my credit cards. Thanks to cellphones, everything is recorded and documented.
Product: Debt collection

A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.
Product: Mortgage

I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. 

I am requesting a new loan modification review and a new pay off statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 they received on the letter on XX/XX/2021 regarding inaccurate and unknown thing reporting on my credit report, To this day I have not received a response yet. I feel like I am being taken advantage of as a consumer with my rights and ignored. Section 611 ( a ), it is plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove those items within 30 days. They should have been deleted promptly. I sent a second letter on XX/XX/2021 they received it on XXXX demand this account be deleted immediately and sent them proof of the credit report agency reporting inaccuracy so therefore this was not properly verified, the Credit Reporting Act requires that inaccurate information be properly removed. or I will file litigation due to the stress you have caused me. Everytime I call TransUnion they tell me a different date that it was received. I mailed them a second letter asking a again to delete this unverified account. I spoke with XXXX XXXX on XX/XX/2021 with transunion he stated that the investigation is still pending, it has been over 30 days the certified
Product: Debt collection

The account in question was settled and closed through Attorney for debt collector. 
Debt collector continues to increase balance of account every two weeks, falsely reporting information on a closed and settled account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
XXXX updated credit report reflecting the corrected information. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gXXXX also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Credit card or prepaid card

On XX/XX/2022, I refinanced my home. Included in the refinance was the goal to use equity in our home to pay off credit card debt. 

I have a XXXX with Jet Blue / Barclay Bank, and a check in the amount of {$2200.00} was sent to them on XX/XX/2022. The check was drawn on XXXX XXXX XXXX XXXX Bank XXXX XXXX ), and in the memorandum line was my name and the last XXXX digits of my credit card number. 

On XX/XX/2022, Barclay Bank cashed the check. 

They have not applied the funds to my credit card account. 

I've contacted them on several occasions, most recently on XX/XX/2022 when I faxed them proof of their cashing the check. I included with that fax a cover letter and a copy of my account. 

I've checked my account continuously since XX/XX/XXXX and they have yet to apply my payment to my account. I am continuing to be charged interest AND monthly payments on the " outstanding '' balance. 

I contacted them on XX/XX/2022 to inquire as to what the status is. I was told it can take " several billing cycles '' for the payment to be applied to my account. When I said that was unacceptable and I wanted to speak to a manager, they put me into a holding que where I was waiting XXXX minutes to speak to someone ; I had to hang up as I need to get back to work.
Product: Debt collection

North Shore Agency has sent me a collections bill for a debt that I don't recall even making. According to them, I allegedly owe XXXX dollars for some book that I never ordered. The book is supposedly titled XXXX XXXX XXXX XXXX XXXX. I don't remember ordering any book in my entire life. If this is the result of some kind of identity theft going on, then I have every intention on finding out who stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 2 loans on my credit thats not mines, XXXX XXXX XXXX has a closed account on my account thats not mines, XXXX is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help