23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

BANK : JP Morgan Chase Bank NA QUESTION RE : Reward Points from co-branded Marriott/Chase credit card Dear CFPB, I am a cardholder of a co-branded Marriott/Chase credit card issued by JP Morgan Chase Bank NA ( hereinafter , Chase ). 

I was a claimant in a recent arbitration with Chase through XXXX over a disputed charge of {$7700.00} on this co-branded Marriott/Chase credit card. 

In my situation, a criminal made an unauthorized charge on the credit card after obtaining it through fraudulent actions and statements. I reported the unauthorized charge to Chase by telephone within hours of the charge being made and sent follow-up letters. Chase continued to claim the charge was valid, so I filed an arbitration. 

During the arbitration, Chases lawyer argued that the Marriott Reward Points that I received ( because of the rebilling of the disputed charge to my account ) provided a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use, and for this reason, Chase considered the disputed charge to be a valid authorized charge. Refer to the highlighted sections of the attached ( i ) Page 6 of Chases Motion to Dismiss Brief dated 2024-XXXX and ( ii ) Page 5 of Chases Evidentiary Hearing Position Statement dated 2024XXXX. 

QUESTION TO CHASE : Regarding Marriott Reward Points that are awarded with Chases co-branded Marriott credit card, does it continue to be Chases corporate position that Marriott Reward Points are a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use? 

REQUEST TO CFPB : Please thoroughly review Chases response to this question. 
( a ) If Chases corporate position is YES ( i.e., that reward points are a benefit ), then Chase could escape liability for an otherwise unauthorized fraudulent transaction by simply issuing reward points on an account, and there would be no way that a cardholder could ever prevail on a disputed claim in even the most egregious circumstances of fraud. 
( b ) If Chase does not answer this question with an affirmative denial, then it appears that Chase intends to continue to use this nonsensical reward points are a benefit position in credit card disputes with its cardholders.
Product: Debt collection

CAPITAL ONE OPENED XX/XX/2020 THIS ACCOUNT WAS COMPROMISED AND SOMEONE STOLE MY INFORMATION AND CREDIT CARD INFORMATION, MADE FALSE PAYMENTS THAT WAS RETURNED I TRIED TO RESOLVE THIS WITH THE COMPANY NO RESOLUTION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both XXXX and Experian. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX Credit Bureau ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Involved : XXXX XXXX Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Collection/Chargeoff Balance : {$660.00} Comments : Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted.

I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Department of Education sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Product: Checking or savings account

My Citizens bank check # XXXX dated XX/XX/XXXX for {$9.00} was stolen out of mail and forged for {$900.00} and cashed at XXXXXXXX XXXX Citizens then processed and paid the check to XXXX. I discovered this while reconciling my bank account on XX/XX/XXXX & immediately called Citizens and reported it, claim # XXXX. We also filed a Police report, case # XXXX. On XX/XX/XXXX I received letter from Citizens stating " we have determined that the check in question does not appear to have been altered '' along with a form to Declare Unauthorized Endorsement-Altered. On XX/XX/XXXX I filled form out and sent in all backup bank requested to prove the alteration of check, now it has a different claim # XXXX per the XX/XX/XXXX letter. Then called Citizens XX/XX/XXXX, XX/XX/XXXX + XX/XX/XXXX. On XX/XX/XXXX my local branch informed me that the home office didn't receive my documents. So my local branch faxed all of my documents. Called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX XXXX XXXX, chairman at Citizens called me and informed me that we would not be reimbursed for the forged check until Citizens is reimbursed from XXXX, the original bank that accepted check. I asked her if anyone from Citizens has been talking to XXXX about issue and all she said was we sent the inquiry. THAT's IT! We did nothing wrong here yet we are being penalized. The forged check is an obvious forgery per everyone that looks at it, Police and Local Bank XXXX. I have not heard a word from them since XX/XX/XXXX. We just want to be reimbursed the {$900.00} for the forged check that Citizens allowed to be processed without questioning the look of the check. Please help.
Product: Mortgage

I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report to XXXX, EQUIFAX, AND XXXX  and they have failed to comply with my request and have not responded to any of my letters for over 60 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. XXXX months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these XXXX accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Product: Payday loan, title loan, or personal loan

I was on the phone with an Ace Loan Person as they were walking me through the signing process on XX/XX/2020. The contract says XX/XX/2020 which is wrong. I am going through my Documents sent back to me on XX/XX/2020 and they arent matching what I was told or signed off on originally. It doesnt say the APR exactly on the Credit Disclosure Statement it just Annual Percentage Rate Example : 568.39 % the CSO fee XXXX and the interest of {$18.00} for example. I went to compare my documents and it has for example : 469.10 % cso fee {$1300.00} interest of {$20.00} you get to the MP on the documents and it says XXXX is the actual percentage rate and the their numbers for example arent adding up and are very misleading if they are just for example. In the first forms they arent giving you the real on their loans. Its for example and you are being mislead by what you really will be paying. I even asked the guy who I talked to on the phone my monthly payments and asked questions and he was misleading. He never mentioned the APR exactly. He never explained the ridiculous fees. They need to be upfront exactly about what youll be paying and better people over their phone line with explanation.
Product: Mortgage

I am a 3rd generation military war veteran whose family has served in every war of the 20th Century.
Letter from my mortgage bank ( U.S. Bank Home Mortgage Loan # XXXX ) X/XX/2017 stating that since my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has not responded to their request for proof of H06 Hazard Insurance Policy on my property. I tried to contact my condo association buy they never responded.
I am current on my monthly condo commando payment for10 years, so I should be respected more.
<P/>
The bank has not been sympathetic to my appeal of the decision because they are not wealthy enough. Pay up or else you get more expensive insurance added on to my monthly payment that is already comprised of Premium, Interest, and Flood Insurance.
IF I do n't pay, then I lose the property.
So, I ca n't get another loan on the property because I am an underemployed military veteran.
So, I guess I have to sell and move out to a more expensive property? Or, pay up?
<P/>
I have contacted FEMA and every government agency and representative and they are ignoring me.
Will you ignore me too?
Product: Credit card

I was making payments on time to XXXX XXXX Account for about 2 years with no issues. Earlier in this year around XXXX XXXX, 2015 I noticed a late payment fee on my statement and when i looked into it more carefully my bank had deposited the money on time with out delay. XXXX posted the payment 20 days later. I contacted XXXX informing them of the issue at hand and they credited XXXX. Sometime in the beginning of XXXX i received a phone call from XXXX explaining that im late on my payments. I explained them that my bank automatically sends out payment to XXXX, and after checking with my bank and my online statements all bills were paid on time. By the end of XXXX i received a phone call from there collection department saying that i have not paid XXXX and that XXXX was due. When i reviewed the statement for XXXX it was showing a late charge for XXXX when the bill was not even due. On XXXX XXXX 2015 i spoke to a collection representative for XXXX and explained to them that something is wrong with there system because they are constantly posting there payments late, but when i look into my bank account the payments are always going out on time on every XXXX of the Month. The Rep credited the late charges and told me my total amount that was due. My balance after the conversation was suppose to be {$190.00} and the rep also mentioned after i pay {$27.00}. The total balance will become {$160.00}. I went over the information with the rep a few times just to confirm that there will be no more mistakes. I made the payment right after our conversation on XXXX XXXX, 2015 for {$27.00} as per the conversation with XXXX 's Rep. XXXX XXXX XXXX, 2015 i received another phone call from the collection department stating that i am still late on my payments and that i need to pay {$17.00} for the late payment. I asked the Rep to look at the fax to show that my bank has always been on time with no delay, i attempted to retrieve a Fax number so that i can fax the information over the rep said that they do not have a fax number and that i would have to submit a letter with back up and proofs of the statements.
Product: Debt collection

After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : FRONTIER Airlines World Mastercard I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX contacted XX/XX/XXXX XXXX times in a row and XX/XX/XXXX XXXX as welll in a row on behalf oh kohl Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it
Product: Debt collection

XX/XX/2023, I reached out to XXXX XXXX health to set up a payment plan on a bill that i though insurance was suppose to cover. This was after Wakefield and Associate had reached out indicating my account was in collection. I reached out to XXXX saying my Insurance should able to cover the ambulance ride, that was only then i was told the insurance did not cover it. After which set up a payment plan with XXXX. 

On XX/XX/XXXX, 5 months later after I have been making payments to XXXX XXXX Wakefield and Associate puts my account into collection. 

I called and explained the issue and they wanted proof of my payments which i sent. I reached out to XXXX about the situation. 

Wakefield and Associates still insist this account needs to be paid to them and all attempts to get them to remove the collection has proven futile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I had a total of three charges added to my credit card that I did not make myself. I have reported credit fraud to my local banking institution, but I am trying to get these unwanted charges removed so that it does not impact my credit score/report, as well as me not paying for charges that I did not make myself.
Product: Checking or savings account

So it all started when I did my taxes with XXXX XXXX XX/XX/2022 I did credit karma to get an 2,500 advance which I received I believe that same day or the next. So I was having problem taking money off my card I was calling representatives back to back nobody could help so I linked my XXXX bank account with them to transfer money when I did thats when they sent me a confirmation email but with the wrong account number so they then locked my account without notifying me I could only contact the specialist team through email they never told me what was going on until later they needed proof of my identity and bank statement but the bank statement was for another account that wasnt mine that they wanted me to provide so I sent my actual bank statement and proof but still Im under review and my account is locked I talked to 2 supervisors and so many agents nobody could help and they keep saying they will email the specialist team thats all they can do they cant see anything in my account this been going on almost a month now I submitted my forms several times on their website and through email I told them just send my money in a check but no response please help I need my money and my tax money that suppose to be coming to that account Ive tried everything that they told me
Product: Checking or savings account

US Bank has frozen my accounts. I have had 4 counts of fraud within the past year and every time I report it I can't get reimbursed or the bank won't help out. They continue to make charges that aren't mine, threatened me and finally froze my accounts. I have tried repeatedly to get help and verify my charges but the bank keeps stealing my money. I don't know what to do and it's cost me dearly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 " opt out '' letter were mailed to the disputed companies Please See : [ letters are attached ]
Product: Debt collection

FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  Account XXXX XXXX XXXX, XXXX Case # XXXX / FILE # XXXX, has violated my rights.

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I have previously disputed ( XXXX XXXXXXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U.S $ 1681I ). And the information must be deleted immediately.
Product: Debt collection

My husband had a tenant he turned over to collections thru XXXX. The tenant then filed a lawsuit against XXXX us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect 3 times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send one letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX, which is also threatening to damage our credit.