23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I, as the consumer have reclaimed the principal security interest on the credit card account in the name of the principal d/b/a XXXX XXXX XXXX XXXX , I have sent novations to JP MORGAN CHASE BANK , NA . reclaiming the principal 's security interest and tendering the payment by way of the bill of exchange fully indorsed since XXXX of XXXX with payment orders directing the bank to transfer the principals security interest to apply to the principals balance for set off, by way of registered and certified mail. this account has never been credited with the interest owed to the principal 's account, even though not XXXX bill of exchange has been returned to the consumer stating a defect. as the Agent to the principal these bills of exchange have been sent directly to XXXX XXXX, XXXX XXXX XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX/INDENTURED XXXX XXXX XXXX XXXX XXXX the bank has placed this account in a default status and now we're in litigation as JP MORGAN CHASE BANK XXXX NA XXXX has filed a lawsuit against the consumer. case XXXX XXXX XXXX XXXX XXXX common pleas court, XXXX Ohio. These banks simply refuse to allow the consumer to claim the principal 's security interest to set off this account. JP MORGAN CHASE BANK, NA.is demanding that the consumer continue to send additional funds to the bank to satisfy the account. so much so JP MORGAN CHASE BANK, NA. has filed a lawsuit against the consumer named XXXX XXXX XXXX XXXX even though the consumer has been performing by way of the bill of exchange, stating the claim to the principal 's security interest, ordering the bank to transfer the principal 's security interest to the principal 's balance to set off the account to a XXXX balance. each party the agent to the principal has contacted as mentioned above through registered and certified mail. they have all ignored my novations and payment orders refusing to credit the account, even telling the consumer that type of payment wasn't accepted. 18 USC 8 states the bill of exchange is the same as a united state dollars. this account was prepaid according to the Federal Reserve Act sec, 16. as the consumer I have been performing as the bill of exchange act requires, performance is payment in law. for the banks to deny the principal the principal 's interest by claiming nonperformance, then to file a lawsuit to try to gain something extra should be criminal. JP MORGAN CHASE BANK, NA. has stated the account has been closed denying the principal access to credit. This is very wrong for the banks to be allowed to get away with such actions against the consumers, I felt this should be reported.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
DEPTEDXXXX XXXXXXXX Balance {$63000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$8800.00XXXX XXXX XXXX  XXXX XXXX Balance {$14000.00}
Product: Debt collection

I have a Venmo account. A person unknown to me, XXXX XXXX, accidentally paid me significant amounts of money 3 times : {$430.00} on XX/XX/23, {$670.00} on XX/XX/23, and {$650.00} on XX/XX/23. After each payment he sent a message saying it was a mistake and asking me to return the money, which I did immediately. My venmo account shows I returned the funds. Nevertheless, he initiated a dispute via his credit card. As a result, venmo took {$78.00} that was in my account and is charging me {$1000.00} to satisfy what they claim is a debt I owe. 

I have attempted to resolve this via emails and phone calls with venmo to no avail. Most recently I learned that apparently the payment of {$650.00} on XX/XX/23 was not disputed ( because they could see I paid him back ). The payment of {$430.00} on XX/XX/23 is apparently still under investigation and could take 75 days and is up to the credit card company, not venmo. The payment of {$670.00} on XX/XX/23 has been resolved in favor of XXXX XXXX and per venmo, they can not do anything further because it was initiated by a credit card company. I have asked for information about the bank, the CC, or XXXX XXXX so I can contact any of them directly to resolve the dispute but they provide no contact information for anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a few recent inquires on my Experian Business report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied
Product: Credit card or prepaid card

On my chase account ending XXXX they said they sent a notification of account closure but i never received anything. I found out due to checking my credit and seeing that the account was closed. 

I called and all they would say is that a notification was sent and that i could have called and got it reinstated but since i never got it that wasn't an option. 

Chase was less than helpful in wanting to figure out the root cause. They brushed me off and said they sent it and washed their hands clean. I want an investigation to find out why they didn't follow the credit card of 2009 and why they don't care.
Product: Credit card or prepaid card

I was charged a late fee and interest on XX/XX/XXXX on my VISA card. after about an hour on the phone, the representative agreed to waive fees and to settle the amounts on my XXXX statement. I believe this situation shows a systematic defect in Bank of America data processing that could lead to customers being charged inappropriately. Details below are from a letter to XXXX XXXX, BofA CEO. 

" Moreover, the example below not only illustrates how poor BofA service is, it also points out a possible systematic failure in reporting that could have regulatory implications. For that reason, I am filing complaints with the Federal Reserve Consumer Complaint division and with the Consumer Financial Protection Bureau.

As one example of poor service out of many, I called BofA to inquire about a late fee and interest charges on my VISA card XXXX After about 20 minutes on hold, I finally spoke with XXXX and explained the situation. My paper statement of XX/XX/XXXX and the on-line record for the card both indicated that I had a credit balance of XXXX and contained a statement, Credit Balance, please do not pay. I am enclosing a copy of the paper statement. Despite that notation, BofA charged a late fee and interest. 

Customer Service representative XXXX looked at the account detail and correctly pointed out that there was a double payment of XXXX on XX/XX/XXXX, resulting in the credit balance on the closing date. In a previous series of calls, I first asked to have the second deposit reversed not possible. Then I asked for a refund of XXXX and received it on XX/XX/XXXX. XXXX insisted that there was a payment due on XX/XX/XXXX, even though neither the statement nor the on-line record indicated so. I was so frustrated at her inability to recognize that this charge was inappropriate that I asked to be transferred to a supervisor, and spoke to XXXX. No better. XXXX also looked at the account and agreed with XXXX that there was a payment due and that the charges were valid. I repeatedly explained that there was something wrong with the BofA system that inflicted a charge under these circumstances. She also refused to listen to this logic and continued to insist that the charges were appropriate. Frankly, neither representative seemed to comprehend the real problem. In the end, however, she did waive the late charge and the interest on the account. I will need to wait until the next billing cycle to see whether, in fact, this will happen. The account currently shows that it is overdue.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I was approved for a short sale procedure agreement by the lender of my mortgage on XX/XX/2019. A buyer sent an offer to the lender that equaled the appraised value of my home ( {$350000.00} ) on XX/XX/2019. The lender then entered into the negotiation process with the potential buyer. 
Weeks went by, and I received no reply from the lender. The Lender then decided to close the file without further notice in the middle of them negotiating with the buyer, and they are now foreclosing on the property without any notice of that decision to myself nor my short sale attorney. 
It is also important to note that the buyer is still interested in buying, in spite of the lender not holding their end of the agreement in good faith. 
Another unfair practice by the lender occurred when they chose to keep payment methods confidential during my chapter XXXX bankruptcy. I called XXXX ( lender 's phone number ) several times, and both account managers ( XXXX and XXXX ) refused to provide me with that necessary information.
Product: Credit card

I submitted a mailed check to Bank of America for my credit card payment on XX/XX/2016, but I do not see that it was applied to my account. Now my credit report shows I 'm delinquent on my payment. I do n't always mail my payments to Bank of America, but when I do n't have access to online payments then it should still be a reliable source. I travel XXXX for work, and I do n't always have access to my online account to monitor that my payments were processed. In this case, I 've been in XXXX XXXX, with spotty internet access. I 'm just now seeing that my payment was never applied and my credit report shows I am delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report asap. 


1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 


3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I applied for a Bank of America Travel Credit Card with No Annual Fee. I received the card and used it mainly when I travel and occasionally for household purchases. 
Bank of America told me today, XX/XX/2024, that the card carried a " Promotion '' of 0 % interest. Evidently interest would be charged at the end of the " Promotion '' which will be XX/XX/2024. I called Bank of America and just learned of this owed interest which so far is {$100.00}. The final total will be sent to me on XXXX XXXX and will be more as the XXXX will continue to increase my interest payment. 
At the time that I signed up for this card, I was not clearly made aware of this practice. If I understood this fraudulent practice, I NEVER would have accepted this Bank of America card! 
I never pay interest on any card or purchase. And I never missed a payment to Bank of America during the time that I had this card. 
And any paper statement or email statement that I have gotten has NEVER shown any interest that the " Promotion '' was generating!! 
It is a surprise at the end of the " Promotion '' period. 
XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I spoke to XXXX requesting XXXX  XXXX Data  used to pay my creditcard be removed. I would Not be paying on Ideninity Theft Unresolved Fraud Anymore. I have submitted Over {$3.00}, XXXX FRAUD reports to USAA. USAA HAS NEVER CREDITED THE FRAUD so I stopped paying on it. Frauds Not Resolved are : XX/XX/XXXX- XX/XX/XXXX XXXX charges total {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XX/XX/XXXX XXXX charges total {$470.00}. USAA used my XXXX  XXXX Data  prior to removing it making a {$3.00}, XXXX PAYMENT I DID NOT AUTHORIZE. This caused {$2300.00} OVERDRAFTS of social security funds to live off of for the next 3 months USAA STOLE MONEY NOT OWED ( fraud ) leaving me liable for fraud and no money to pay rent or buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Managements is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. I never received any phone calls, letters, or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Product: Student loan

I have been trying to have Edfinancial sign a form for a loan program from my employer ( EDRP ) where they reimburse me for payments up to a certain amount. All I need is them to sign the form that confirms my total loan amount before payments restarted- when I officially sent in the form. Since then, I have now made XXXX payments and will be making my XXXX. I have reached out multiple times. When I spoke to a representative on the phone, she said there is nothing she can do and I should try faxing and emailing. The email link has been down, so I also sent a fax. I've also tried to upload the form through my account even thought they haven't had an appropriate avenue to do that from. Today, the email link was up again, so I've sent an email too. My deadline to have all of this submitted is coming up and I don't want to miss out on XXXX XXXXXXXX in loan payment reimbursement from my employer because Edfinancial couldn't sign a form saying they own my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.
Product: Checking or savings account

i opened the business fundamentals checking account ending in acct XXXX on XXXX XXXX2020 with a promotion of deposit {$20000.00} and completed 10 billpay activity to get {$500.00} bonus. i have finished all the tasks but still didn't get the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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: Debt collection

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to Experian, XXXX and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. Experian, XXXX and XXXX require this information to remove fraudulent items from your credit report. Experian, XXXX and XXXX have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 XXXX XXXX  paid off from my bankruptcy, that has not been pulled from my report that is all settled and paid through bankruptcy ) General Acceptance {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
Product: Student loan

In XX/XX/XXXX, I contacted XXXX  by phone to discuss my federal student loan repayment options after becoming unemployed due to the XXXX pandemic. During that call, I was informed by XXXX  representatives that, under the XXXX XXXX, my loan payments would be paused, and no interest would accrue on the account during this period. Based on this information, I expected that my loan balance would remain unchanged while payments were paused. 

However, XXXX  did not provide any written documentation or follow-up communication to confirm the details of the pause or explain how my account would be affected. I did not receive any emails or notifications from XXXX  in XXXX. 

In XX/XX/XXXX, when I resumed making payments on the loan, I noticed that interest had accrued on the account during the entire payment pause period. This was contrary to what I had been told by XXXX. As a result, the balance of my loan remains higher than the original amount, and I have been unable to pay it down effectively. This has caused significant financial stress, as I feel trapped in a loan balance that is not decreasing as expected.
Product: Mortgage

During the week of XXXX XXXX I contacted Wells Fargo customer service and requested to eliminate paying my taxes and insurance through the escrow acccount to better manage my household budget ; I was told I couldn't stop those payments because it's a FHA loan XXXX I then asked why the additonal {$700.00} payment towards my escrow made on XX/XX/XXXX wasn't applied as my monthly payments were not lowered ; I was told that the payment wouldn't take into affect until XX/XX/XXXX when they audit my account. I don't understand why the additional escrow payment to lower my monthly payment would not go into affect immediatley, let alone for seven months. 
This issue arose when on XXXX XXXX when my payments increased from {$540.00} to {$650.00} due to an escrow shortage of {$1100.00}. I inquired as to why my account had such a large shortage and was told " probably due to an increase in taxes and insurance '' when I ask for a more detailed account of the shortage i was informed I could request an audit and that it would take about 30 days.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

A revolving credit account held by XXXX financial is showing up on my credit report by experian. XXXX was saying that I was a co-signer on this account, however I never agreed to be a co-signer and I never signed any documents agreeing to be a cosigner. I did not, in fact, co-sign anything. The bank, XXXX, has agreed that they do not have my signature on anything related to this account, and have removed me from the account. Experian, however, is keeping the account and the history of it ( with a late payment from the person who owns the account ) on my credit score. 
I opened a dispute in XX/XX/2022 with Experian regarding this account and sent in documentation regarding the fact that I never signed to be a co-signer and the bank does NOT have my signature for this account and the bank is fabricating any notion that this account has or had anything to do with me. With no proof what-so-ever that I ever co-signed for this account, however, experian came back from the dispute stating that the bank confirmed that it was my account and left it on my credit report.
Product: Debt collection

I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.