23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ORIGINAL COMPLAINT WAS SENT XX/XX/22 TO MIDLAND FUNDING {$590.00} I REQUESTED TRACKING INFORMATION TO COMFIRM THE VALIDATION NOTIFICATION WAS SENT PRIOR TO REPORTING IT TO MY CONSUMER CREDIT REPORT AND RECEIVED BY ME ( SIGNATURE ) WHICH IS MY RIGHT UNDER THE FDCPA AND YOU ARE IN DIRECT VIOLATION OF THAT RIGHT. 
COMPANY REFUSED TO REMOVED THE TRADELNE UNTIL PAYMENT IS MADE BY ME HOWEVER WERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED BY ME? THIS ACCOUNT WAS SUPPOSED TO BE REMOVED WHILE UNDER DISPUTE AND IT WAS NOT REMOVED.
Product: Credit reporting or other personal consumer reports

I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, Experian and XXXX ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. ACCOUNT NAMES : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.
Product: Debt collection

My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports.

I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

- I would like a senior executive member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.
Product: Checking or savings account

On or around XXXX XXXX, 2023 it came to my attention that my Chime card was used without my authorization when I shouldve had a balance left and went to make a purchase and the purchase was denied due to XXXX. 

This happens semi-frequently due to the XXXX XXXX XXXX with several of my more used cards, especially those I use for online shopping, and I believe the vulnerability is due to the selling of my personal information by the breach and thus being sold on the dark web, and its often difficult to work with companies to explain what happened ( as I dont have a full understanding of it ), and be reimbursed my money that was wrongfully taken out of my account because of hackers and my sensitive information being made public. 

Im not out atleast {$450.00} due to two companies denying my fraudulent claims, with no explanation. Ive just been left in the dust missing money with my word against no ones and cant prove that it wasnt me that didnt authorize the transaction despite being at work, busy, etc. 

I want to help others that are struggling as a result of this or the XXXX breach, and possibly collaborate with someone/a group of people on how weve been able to recover?
Product: Checking or savings account

I opened a checking account with Citi Bank over their telephone service because they had a promotion offer. I deposited XXXX dollars at the time. On XX/XX/2022, I received their welcome package and the debit card arrived on XX/XX/2022. I tried to set up an online account which didn't work and I couldn't activate the card either. Then I called the customer service and little did I realize that the new account has been frozen for closure. Well, why? They were around and around, transferring my call to many different departments and never gave me a clear answer. The agents told me that the bank will mail out a check to my address in 30 to 60 days. " I don't really care about the new account anymore. It is too much problem with you. Just transfer the money to my original account. You were so quick to grab the money, in fact, it only took two days for them to cash out the money from my another bank account. Surely, you could be able to transfer or mail the check to me in two days. '' These are word that I said to them, must have been more than ten different agents. They wouldn't do anything about it. Best thing they could come up was that telling me to go to one of their branch offices. I have to travel five hours each way to go to a branch office since my location doesn't have one. This is a joke! This is ludicrous! No one should put up with this. First of all, they advertise false promotion. Then they take customer 's money and block or close the account so that customers do not have access to their monies. There are so many complaints about Citi bank which are talking about the customers are not able to get their money back for many many months. I firmly believe that the Citi Bank is intentionally doing this to use customer 's funds. This is illegal activity! This is fraud! I should have no problem about opening an account with any bank. I have excellent credit score and I have accounts with several major banks. At this point, I do not want to have any account with Citi Bank. I will definitely stay away from the Bank for my life time. All I want is to have my XXXX dollars back to me. I shouldn't wait for sixty days. I don't even trust them anymore after the experience about the account opening process and reading many of the online customer complaints. The bank has no regards for people. I shouldn't have to drive hours to find an branch office. My time is valuable just as theirs. There is no way that any customer should tolerate this kind of abuse and fraudulence from a big corporation. As long as the big companies can get away with it, they would keep doing it to take advantages of ordinary customers. Their wallet is getting XXXX because of us. Without our support, they are nothing! Customers should be protected. Their hard earned monies should be protected. All the years of savings should not be taken advantage because we just trusted the Bank. I sincerely appreciate you are here for us. Please do something to help me and help the others. Thank you.
Product: Student loan

Was put on hold for 4 hours. Left my number so they could call me back... no return call.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

XXXX, I had paid off a Federal Stafford loan made through Wells Fargo. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted Wells Fargo who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, XXXX XXXX XXXX contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.
Product: Credit card or prepaid card

My name is XXXX XXXX and I have a Capital One credit card that I've had for many years I paid my credit card off in full on XX/XX/XXXX and I don't use this credit card all the time in early XXXX I saw that my credit score went down a lot when I looked at my credit report it said that I missed a payment to Capital One in XXXX I knew that I did not miss a payment so I called Capital One myself and they said that they added a {$2.00} and interest charged on XX/XX/XXXX which is two days after I pay my credit card off in full. 

I was upset but I pleaded with the supervisor at Capital One and she agreed with me and said that they would update their records to show that I never actually missed a payment and she actually reversed the late fee also which I really didn't care about the late fee but she gave me the late fee back because she understand understood and she did say I see that you pay your credit card off on XX/XX/XXXX and then we added a interest charge 2 Days Later I am considering getting a mortgage now and I can not do it with this late payment I ran my credit report every 7 days since XX/XX/XXXX waiting for my credit report to fix my credit card updates on XX/XX/XXXX today on XX/XX/XXXX I called Capital One again and I got another supervisor name XXXX XXXX number XXXX. and after 40 minutes of waiting on hold ... She advised me that they are not going to remove the late remark on my credit report which is complete opposite that the other supervisor told me on a recorded call. 

At this point I was extremely upset and I did lose my cool and swear at the supervisor because this was already supposed to be resolved and I don't know how people in America are. What's the deal with companies like this that her people 's credit reports for unreasonable reasons. If you look at the balance and statements I can prove everything that I never missed a payment in that they are unreasonable on how they calculate the interest to charge it in such a fashion. 

also every call that I called was on a recorded call and they can verify that their supervisor did say they were going to remove the late charge from my credit report
Product: Vehicle loan or lease

Capital One bank has pre-approved me for auto financing ranging from XXXX to XXXX The letter that Capital One mailed to me should indicate the Annual Percentage Rate for the Auto Loan and be signed by someone. Capital One is conspiring with dealerships to raise Annual Percentage Rates fraudulently!!! I now call Capital One and they're stating that I'm not approved for auto financing but keep sending letters stating that I am pre-approved for auto financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document Please. 
Traffic of Documentation Information that is adverse to me. Invasion of Privacy and False Statement.
Product: Payday loan, title loan, personal loan, or advance loan

They only take checking but then let it time out for ten days and never send anything to get the payment from your bank. They claim it must have bounced, but there is so much money there and my bank confirmed they never got any such request from Service Finance or an ACH from anyone.
Product: Checking or savings account

PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Note : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX DC XXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile
Product: Debt collection

Illegally discussing account with someone not verified. I owe XXXX XXXX and it went to collections. I did not authorize anyone on this account.XXXX XXXX XXXX ( CCS ) called and was informed by my wife that I was not there. She asked to take a message and they informed me " I guess I can talk to you '' and proceeded to ask for my address and phone number, which can be found in phone book. She gave them the information and they started talking to her about my debt. Nowhere did they ask for her name. I held a job XXXX XXXX for a very prominent XXXX company and it was drilled into us we had to verify who we were talking to.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 ; I received a text message from a number claiming to be US Bank. The message stated that there was a XXXX Attempt on my Account via XXXX transaction. I responded No, this was not my attempt. Shortly after I got a call from a number that identified as US Bank so I answered. At this point I do not have a XXXX account created. The person on the other line walks me through how to set this up and how to reverse the two transactions that were attempted in the amount of {$1500.00} each. They assured me that this is how the bank would stop the transactions going through. This was the majority of my bank account and was leaving for a trip later that week where I needed this money. So I followed the instructions provided be the operator and when I sent the second transaction through they hung up. This is when I called US Bank to report what had happened. They created a fraud claim but stated there was nothing they could do at the moment to get my money back that was taken from me by a fraud scheme. After several phone calls with the bank they informed me this was not something they were liable for. I was made to believe the person I was speaking with was a representative of US Bank and all data that came to me had US Bank Identification. The representatives I talked to from the actual bank could not locate any warning of this XXXX Scam on the website. I however, do not use the Website rather the app only.
Product: Money transfer, virtual currency, or money service

BB & T took money out of what I got from the last stimulus ; I figured this was to pay back where I was over drafted so I figured ; fine. 
But now like a month later Im over drafted XXXX $ that they already took out!
Product: Student loan

I am in the PSLF program and Mohela has not processed my PSLF form from XX/XX/23 their website says 30 days and it has been over that time frame. I called them today and they said there was an error on their side but they didn't contact me at all. I have made the 120 payments to qualify for forgiveness and now they are saying that it will take over 90 business days due to their error for my loans to be forgiven. I have to work for a qualifying employer till my loans are forgiven and that lessens my employment options and that is unacceptable since it was their error. They did not resolve the issue and weren't helpful at all they keep giving excuses.
Product: Credit card

WFBNA CARD ACCOUNT NUMBER XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
Product: Student loan

I have student loans that were placed on hold during the time of the Covid pandemic. I just recently received three letters from Aidvantage, requesting a payment of XXXX. I made that payment in early XXXX of XXXX. In XXXX, they sent a email to my account on Aidvantage, but I did not receive a personal email from them for the next time, I was supposed to pay. They are now saying that I owe over XXXX because they did not inform me prior to today. Please help me solve this issue.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( Jefferson capital system llc ) ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I have an account with CASH APP. The phone number and the bank account associated with said account is no longer available to use to log into that account as I got a new number and new bank account. Cash app is refusing me to use my Government issued ID to prove who I am. All my information matches said account and where they sent my cash card. I also have social security card and tax returns also. I have XXXX dollars in said account that I worked hard for. Cash app website claims I can use that as a dorm of identification. Two mangers have refused to tell me why they aren't accepting what their company policy states. I really need this money to feed my kids. Any and all help is appreciated. I also have a list of others that Cash App is doing this to. This company needs to be investigated for a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.