23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have never opened a checking account with JP Morgan Chase Bank. I recently received statements that I have owed {$34.00} ( XX/XX/2021 ) and {$46.00} ( XX/XX/2021 ) on the account. My wife and I did have our mortgage purchased by Chase years ago, but we never authorized an account being opened. In researching online, Chase has many other consumer complaints about opening accounts without user knowledge. 

I have contacted Chase Bank via ( XXXX ) and ( XXXX ) and am unable to actually talk to a person. In the phone tree it asks for a bank account number, which was on the statement, and PIN, which I don't have. In looking online, there seems to be no way to actually get around this setup. I tried 5 times this afternoon without success. I also tried the service XXXX to see if there would be a response. The service was unable to help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to delete negative information on my report and they have fail to provide me proof of collection accounts.
Product: Student loan

I applied for SCRA benefits on XX/XX/XXXX. On XX/XX/XXXX I received a denial letter stating Your loans are not eligible for SCRA based on your spouse 's XXXX  status for loan XXXX. The SCRA State Laws for community property states you must live in a community property state or be called to active duty to a community property state in order to be eligible. 

My husband has been XXXX XXXX since XX/XX/XXXX. When I applied for SCRA benefits I also submitted my husbands military orders, marriage certificate and XXXX  ( earning statement ). On the XXXX it shows that Ohio is our home of record. Under XXXX revised law you do not need to reside or be stationed in a communal property state to receive benefits. 

Under XXXX SCRA law it states that Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to service-members dependents, which generally include spouses, children, or any other individuals for whom the service member provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. 

Also, Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. 

Below is the reference : XXXX. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. 

Due to these circumstances, I would qualify because of the unique protection that Ohio has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

These factors make this account eligible for benefits and I should not have been paying the high interest for my account for over 10 years. I have tried rectifying this multiple times and every time I am denied. Yet, I know of others in the same situation who have applied and are approved for SCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was approached by a man in the park who requested a donation to his university basketball team. I didnt have cash so he asked if I had XXXX and when I said yes and opened my bank app, he took my phone from my hands and said he would type in the address to send a donation to. After he was holding my phone for a few seconds I tried to grab my phone back but he wouldnt let go. I pulled on my phone but he continued to hold onto it and type. When he finally let go, he had XXXX {$2000.00} to a name and number unknown to me. We never agreed upon any amount at all and he sent the XXXX completely without my permission. It was unauthorized and dishonest. 

I immediately reported the incident to my bank and they assured me that internally, my account said funds failed and would likely not go through because the charge was reported as unauthorized. They reversed the charge temporarily. Then, they reversed the reversal, saying that because I opened the phone and app with Face ID, the charge was authorized. This did not at all account for my phone being stolen from my hands and the scammer refusing to giving it back to me. Despite my immediately reporting the charge as unauthorized and providing a police report, they refused to investigate further.
Product: Mortgage

My complaint is about my current mortgage service Selene, Selene took over the servicing of my mortgage loan in XX/XX/2022 from XXXX. Before the transfer took place I had a mortgage modification with XXXX and I was paying as per the agreed amount but when the loan servicer changed i only got a letter from XXXX that I should send my mortgage from XX/XX/2022 to Selene with the new address and loan number given. 
I made all payments accordingly every month but things took a different turn when I got a call in XXXX of XXXX  from my husbands bankruptcy attorney that he got a correspondence from Selene that I defaulted on my loan I was shocked and asked him to forward me the correspondence, I then contacted Selene that I wasn't privy to the change in amount that I didn't get any correspondence from them neither a phone call and the attorney they contacted was not my attorney and I wasn't why they contacted him, they told me they didn't have my contact info but I was concerned about the answer because XXXX had my updated contact info and why wasn't same transferred to them. 
They then said they will need me to file another modification which I did but the new mortgage amount was like twice the amount I agreed with XXXX and when I told them the amount was too high the agent that called me said they will begin foreclosure proceedings. 
I have attached all the evidence of the payment I sent to them in the period they said I was behind in my agreement.
Product: Debt collection

XXXX XXXX contacted my mother in law and told her that I havent paid my bill in four months. They also contacted a person who I havent spoke to in years and left a message, after she told them she doesnt talk to me, they continue to call her. XXXX XXXX has my address and my current phone number. They do not need to harass other people to locate me, they have my full contact Information. They also discussed my private financial situation with my mother in law who is considered a third party. I am not a minor and none of these people are co signers of this debt. Therefore, they shouldnt be contacted nor made aware of my financial situation.
Product: Checking or savings account

The Goldman Sachs Bank Marcus has stolen over XXXX XXXX  from me. I opened an account with them a couple months ago, I deposited around XXXX XXXX and it has just sit, a little over a month ago I attempted to make a withdrawal, after I did this they locked my account without providing me with a reason as to why, and told me to contact them. I contacted them easily over XXXX times over the course of the past month and they have just shuffled me around on hold never getting me to speak to anybody who can help, just today I called and they said they have someone who can help me unlock my account and I just need to verify the phone number on the account, I gave them the only phone number I have, the one I verified, my own personal phone number which I am more than confident I know, and they told me it was not tied to any account. Then I called back later trying to change the phone number on the account, and they asked for my name, I gave them my name and they told me they have no record of anyone with an account with that name. So basically, they prevented me from accessing the money in my account and then deleted all of the records of my account. I had put the majority of my savings in here and I can not afford to lose this. It has been over a month and I am beginning to get desperate for assistance, please help.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or removed : XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX and I unknowingly paid XXXX XXXX over {$5000.00} in mandatory donations that were imposed through the app with no mention of opting out at any time. I was misled and deceived at a desperate time of need and was undeniably fully robbed and taken advantage of. I am requesting that this money is returned. I can provide ample documentation upon request, its too much to include on here. Thank you.
Product: Credit card

The Hardship department told me there was nothing Capital One could do to help me. I had requested that they lower my bill since I did not authorize the purchases, but it came as a result of a scam in which I was victimized for {$24000.00} on XX/XX/2023 ( the scammer purchased # XXXX XXXX XXXX XXXX XXXX  ). Capital One 's Fraud department did acknowledge the purchases were made fraudulently, and they even sent me a letter stating that I was not liable for any of the amount on XX/XX/2023. However, they sent another letter on the same day ( XX/XX/2023 ) stating I was liable for the total amount, and ( at least ) the minimum interest payment was due XX/XX/2023. After making many calls to C1 's Fraud Department and Hardship Department, I learned that C1 's " Zero Liability Policy '' does not cover scams and that I was liable to pay the total amount according to the contract. While I agree that I should carry some of the responsibility ( scams are a hard lesson ), I do not agree my responsibility is 100 % because it was never my intention to undermine my security ; nonetheless, Capital One 's security in making sure the purchases were not made under pretense. However, Capital One distinguishes between " fraud '' and " scam. '' To qualify for Capital One 's " Zero Liability Policy, '' the client must have zero knowledge of the transactions. Their policy, as evidenced by their letters, contradict each other, for a scam is fraudulent by nature and act, and therefore there is no distinction. I am asking for your assistance in two ways. I would be satisfied if Capital One carried at least 50 % of the loss and my story is published so that others will carefully consider their bank ( s ) of choice, including credit limit for everyday general-use credit card ( s ). I did not choose Capital One as my credit card. That choice was made by XXXX 's when they decided to switch from XXXX XXXX. I had been using XXXX 's credit card for groceries and small household purchases via my XXXX 's membership. In order to increase my security ( through several means as result of this hard lesson ) and gain greater peace of mind, I intend to close my account with Capital One.
Product: Debt collection

I contacted the hospital where I went to the ER and this is not the company I owe my debt to. They have repeatedly harassed me despite the fact I have made it clear that I know that I do not owe my debt to them and will not supply them with my personal info
Product: Student loan

XXXX College XXXX XXXX practiced predatory leading made false claims of 98 % placement rate after graduation and students making over 50,000 a year. They had a a class action lawsuit that paid out in XXXX by Attorneys XXXX XXXX and XXXX XXXX. The school was placed on probation for accreditation and didn't inform student body or alumni. There were student loans taken out that were without signers consent falsely by XXXX College staff. This is deceptive practices and against the Dept of Education rules and policies. This School is now closed as of XXXX due to having numerous fines/ complaints and a XXXX XXXX special about the deceptive behaviors/ false claims/predatory lending practices of this school. I would like my federal student loans discharged due to all the above all accrued due to this For Profit College.
Product: Debt collection

I CALL XXXX XXXX  BECAUSE A COLLECTION ACCOUNT SHOW ON MY REPORT SOMETHING IS NOT MY THIS COMPANY DON'T EXIST THE PHONE NUMBER DISCONNECTED, AND XXXX DON'T DELET THIS ACCOUNT. ACCOUNT # XXXX XXXX XXXX XXXX  ( MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX THIS COMPLY GO TO XXXX I ESPECK TO THE TO FIX THIS AND DONT CORRECT THIS FAKE ACCOUNT I DEMAND XXXX TO DELET THIS ACCOUNT
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cavalry Portfolio Services LLC, for committing identity theft. I have never given Cavalry Portfolio Services LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Cavalry Portfolio Services LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Cavalry Portfolio Services LLC any right to collect on this alleged debt.

I have never received any documentation requesting validation from Cavalry Portfolio Services LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Cavalry Portfolio Services LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Cavalry Portfolio Services LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cavalry Portfolio Services LLC, continues its collection efforts, I will file for litigation for actual damages caused and Cavalry Portfolio Services LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required.
Product: Student loan

Over the past year, I have been attempting to pay my student loans at Aidvantage however after submitting payments days later I get an email saying that I am past due. I have reached out to the Aidvantage and they say its 's my bank. I reached out to my bank and my says its not them. I even took my bank account information out and readded it to Aidvantage and still get the same result. I spoke with them a couple months ago again and said they would submit a ticket. Nothing changed. Again, I submitted a payment on XX/XX/year> and got another payment reversal on the same day. It is frustrating to then receive an email that you are behind on payment when you are trying pay them!
Product: Checking or savings account

Capital One failed to maintain a vendor sufficient enough to secure on time automatic deposits which caused interruption to personal needs, XXXX bill payments, and stress.
Product: Credit card

This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.
Product: Mortgage

I hold a mortgage with Atlantic Bay Mortgage for a condo located on the beach. As part of my home owners insurance, the condo association maintains flood and wind-driven rain coverage for the entire building. 

I was contacted last fall by Atlantic Bay Mortgage or their agent and asked to provide a copy of the flood insurance policy. The notice indicated that if I did not have flood insurance, they would purchase it for me. The insurance agent faxed over a copy of the policy within the required time to the fax number provided. However, Atlantic Bay ( or their serving agent ) proceeded to purchase Flood insurance on my behalf at a cost of over {$8000.00}, which they then immediately removed from my escrow. 

I called several times to resolve this issue. I was told that they could not see the insurance information correctly because it had been faxed rather than uploaded via a QR code. ( Again, it was faxed to the number that they had provided in their initial instructions ). 

After several phones calls, they finally confirmed that they had the information and that they would : ( 1 ) cancel the flood insurance retroactively and ( 2 ) return funds to my escrow account.

However, instead, my next statement showed an increase in payment due from approximately {$1600.00} to over {$3200.00}. This increase was related to the escrow amount that had not been returned.

Once again, I called Atlantic Bay Mortgage in midXXXX and asked for the situation to be corrected. I was assured that they would correct it no later than XX/XX/XXXX and that my payment due XX/XX/XXXX would be for my normal amount ( approximately {$1600.00} ). At that point, I had little faith in the company and asked the agent on the phone to make a note to my account that they were not auto-draft the incorrect amount of {$3200.00} on XX/XX/XXXX. 

However, they did in fact deduct the incorrect amount from my account. As of today, XX/XX/XXXX, my XXXX statement continues to show the incorrect amount. 

Not only that, but I have now received a second letter asking for verification of wind coverage ( which was included in the policy that was faxed to them in fall ). This second letter also indicates that they will purchase coverage on my behalf if they do not receive the confirmation ( which they have already had for several months ). 

Attempts to contact AB Mortgage result in long hold times, difficulty reaching a person, and their inability to resolve the situation.
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$840.00} from Spring Oaks Capital Llc is valid. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Product: Credit card or prepaid card

I was charged a bogus late fee due to Bank of America 's error. 

I have had this account since XX/XX/2013 and had autopay enabled to pay balance in full every cycle. After a few years of inactivity, I started using the card again. However, at some point BoA had unenrolled me in autopay without my consent, and I was charged a late fee ( of {$25.00} on XX/XX/XXXX ) before I noticed this. 

I have tried to contact BoA to have them solve the issue, but I have faced excessively long queue times every time I call.