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

My complaint is with J.P.Morgan Chase. Credit Card Division..This is somewhat of a follow up with previously filed complaint. On the XXXX of XXXX I made a payment to my credit card account with a {$730.00} check. They mistakenly only gave ne credit for {$700.00}. I called the bank the same day, they looked at my deposit and immediately confirmed that it was a mistake on their part. The check was clearly written, no problems with it being legible, and problem would be resolved. I SUBSEQUENTLY DID FIND OUT THE CHECK WAS ACTUALLY HONERED FOR THE FULL {$730.00}. ( I sent copy of bank statement proving this. ) I waited about a week before following up when I realized it hadn't been, It was at that point in which I am most upset about now. I have talked to no less than XXXX reps, all assuring me its being taken care of, but the few times I did reach payment/escalations Dept., it was horrible experience., Chase 's people there are rude and absolutely acted like they didnt want to be bothered., the 1st time I was told by a supervisor named XXXX, that this issue had been resolved as " CLOSED '', and there is not a thing Chase can do about it now. I was told by other reps in follow up calls that this is incorrect and they will escalate issue themselves. NEVER TO HEAR BACK FROM ANYONE!! NEVER HAVE! Today was the worst interaction of all, I called got to escalations XXXX, spoke with a rep named XXXX out of the XXXX call center and encountered the most unprofessional, rude individual I've ever dealt with. She said that investigation just started on the XXXX?????. I tried to get info but to no avail with this person. ( I will say that other reps, not in this department has been very understanding and was very surprised this was taking so long to resolve. ( Obviously its not about the {$35.00} but the terrible way Chase treats its customers. 
I have been a chase customer for 20 plus years. Average annual payments made are roughly {$100000.00} and never have been late once. I will obviously be closing this account as I already have done with two others. ChASES ability, or I should say inability to timely correct a error made by them is inexcusable. The run around and mis-information that I have had to deal with is equally inexcusable.. I have posted to countless social media sights of my experience. I am truly considering a more formal complaint and possibly legal action for this refusal from Chase to Timely corr3ect their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report that needs to be removed
Product: Debt collection

Allied Collections Services Date opened : XX/XX/2020 Collection Account {$1900.00} past due Previously disputed : XX/XX/2020 My name is XXXX XXXX. I have attempted to dispute this inaccuracy on my report with no success. I have contacted Allied Collections Services several times to dispute with the original creditor XXXX about this false collections. Upon speaking with XXXX associates, I was informed that this collection did not belong to me but my father XXXX XXXX. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Reference : Account Number XXXX Dear [ XXXX Person ], I am writing to formally request a debt validation letter concerning the above-referenced account. I request the following information : 1. Validation of the Debt : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the debt agreement or contract signed by me, evidencing my obligation to pay the debt.

A complete account history, including the amount of the debt when you obtained it, the date you obtained it, and the name of the entity that sold it to you.

2. Purchase Agreement : A copy of the purchase agreement between XXXX and the original creditor. 
3. Verification of My Signature : A copy of the document bearing my wet signature, proving that I agreed to the debt in question.

I request that you cease all collection activities until this debt is validated. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and you are obliged to provide it. Please consider this letter as a formal dispute of the debt and a request for validation. 

I look forward to your prompt response. 

Thank you for your cooperation.
Product: Debt collection

I am disputing a debt form American Express that was transferred to the debt collection company of XXXX XXXX XXXX. I owed Amex an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by Amex. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called Amex to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have ZERO points. I tried explaining this to XXXX and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by XXXX and Amex when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with AMEX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.
Product: Mortgage

Wells Fargo will not honor my divorce decree to remove my name off the property I have not lived in since XX/XX/2015. Wells Fargo has the option to remove my name off the deed, but I would still be responsible for the loan. I am disappointed that they are not honoring legal court divorce decree documents and now my credit is bad since my ex-husband is behind on the mortgage payment. My ex-husband wants me to sign loan modification which I refuse, since I an no longer living at the residents and I do not want to be responsible for 40 year mortgage.
Product: Debt collection

After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

XXXX XXXX, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding.

I have disputed obligations several times with credit reporting bureaus, Experian, Equifax and Transunion who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations.

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy.

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at XXXX XXXX  per entity, per year for misuse and negligence to settle obligations.
Product: Credit reporting 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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Chapter XXXX Bankruptcy
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns regarding public consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two reports with accounts I didn't know were on my credit till recently, please take a look and delete these fraudulent accounts. They are affecting my livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and the information was not correct. I have contacted them and they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$780.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX 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

This company refunded the {$370.00} and then waited 5 days and then added it back on I have paid ahead to my XXXX payments but they are stealing money as I said there are not late fees the late fees were part of the original payment arrangements with the original lender not Mr. Cooper. This company is sneaking and lying. Here is a full list of the transactions were they have lied about not charging late fees and then charged them where they credited back this false charge and then re-issued it. I find it ridiculous and I wish companies were not allowed to sell mortgages without consumer agreement. This is a terrible company to deal with. I demand full refund of the stolen funds. They have stolen the money and I want it all out back on my account. I would never ever choose to do business with such a fraudulent entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.
Product: Credit reporting or other personal consumer reports

I called the company, and there was a XXXX that talked to him and sent my information very correct, and I never applied for a mortgage before and even have my name and information and even consent to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have once before tried having incorrect account information investigated on my credit report but Experian fails to conduct a proper investigation disspite my circling and providing evidence of the mis-reporting. I am attaching the most previous dispute and their reply for lack of correcting my file by leaving this stuff on the report. I am requesting that these items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer ; natural born person, am extremely upset that my demand to obey my federally protected rights has been ignored. It has now been 30 days & I have yet to receive correspondence. I want to initiate a complaint that you are Violating my Federally protected rights under the Fair Credit Reporting Act 15 USC 1681. 
Under penalty of perjury, truthfully state that the accused CRA is in violation of multiple federally protected rights. 
[ 1 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( A ) any ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
[ 2 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

[ 3 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681o - Civil liability for negligent noncompliance - ( a ) In general ; Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
[ 4 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
[ 5 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under penalty of perjury I am seeking a final opportunity to cure or I will seek suit for ; violations of 5 federally protected rights, damages to my to my character, and damages to my reputation. If the opportunity to cure is not satisfied I will follow up with notarized affidavit and seek legal remedy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed XXXX, XXXX, and Transunion letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within Four business days. The 3 credit bureau did not remove any identity theft off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, XXXX and Transunion has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions. 

Enclosed Attachments ; Proof of identity ( driver license, social security card also credit card statement for proof of current address. My drivers license also has my prior address on it. Ive provided 2yrs of addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information as inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : Employers : XXXX XXXX XXXX