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

To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Checked my credit report - There was a comenity bank credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to comenity bank notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent Comenity bank another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent comenity account. I included copies of the police report and the FTC report and the intial letter I sent Comenity. 
XXXX Received letter from XXXX stating that they completed their research and they Deleted the Comenity BAnk/Atylrlmc account from my credit file XXXX Received letter from XXXX stating that they added the Comenity bank account back to my credit report As of XXXX I have never received a letter from Comenity, I have never received a bill from Comenity. I have received nothing in writing from Comenity yet this account still remains on my credit report under XXXX. I do not have a Comenity bank credit card and Comenity bank does not respond to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I continue to receive letters, emails and phone calls from the company Resurgent Capital Services. I don't know what this debt is for and I'm not getting clear answers.
Product: Vehicle loan or lease

Under law 1681 ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX  XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting

My wife and I recently sent the attached follow-up letter to Equifax. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Product: Mortgage

I am writing to lodge a formal complaint against NewRez Mortgage for incorrectly claiming to have made a property tax payment on my behalf, subsequently charging my escrow account without justification, and failing to provide proof of payment. Below is a detailed account of the events : Initial Payment to County : On XX/XX/XXXX, I made my property 's XXXX tax payment directly to the county office, ensuring my obligations were fulfilled on time. 

Notification from Mortgage Company : In XX/XX/XXXX, I was surprised to receive a communication from NewRez, my mortgage servicing company, stating that they had also made the XXXX property tax payment for my account and had debited my escrow account for the said payment. 

Verification with County Tax Office : Concerned about this discrepancy, I immediately contacted the County Tax Office to verify the payments received. The tax office confirmed that they had only received my direct payment and had no record of any payment made by NewRez for the year in question. 

Communication with NewRez : Upon learning this, I reached out to NewRez to clarify the situation and requested the removal of the erroneous charge from my escrow account, as their claim of making a tax payment was evidently incorrect. 

Response from NewRez : Despite my explanation and the confirmation from the County Tax Office, NewRez insisted that they had made the payment. They informed me that it would take 60-90 days for any potential refund to be processed. This stance is puzzling, as the County Tax Office has clearly stated that no payment from NewRez has been received ; thus, no refund is forthcoming. Furthermore, NewRez has been unable to provide any receipt or proof of the claimed tax payment. 

This situation has placed an undue burden on me, both financially and emotionally, as it involves navigating unnecessary bureaucratic processes and facing potential financial ramifications due to NewRez 's error. The lack of evidence provided by NewRez to support their claim and their unwillingness to rectify the mistake promptly is concerning and unacceptable. Significantly, my situation is not isolated. The Tax Commissioner has reported that NewRez has committed similar errors with other customers, indicating a systemic issue within their operations. This pattern of mistakes not only highlights a lack of due diligence on NewRez 's part but also suggests a troubling disregard for the financial well-being of its customers. 

I respectfully request the CFPB 's assistance in resolving this matter. I believe that NewRez should be required to : XXXX. Immediately reverse the erroneous charge to my escrow account. 
XXXX. Provide a written apology and explanation for the error and the inconvenience caused. 
XXXX. Implement measures to prevent similar incidents from occurring in the future to other consumers. 

Thank you for your attention to this matter. I am prepared to provide any further information or documentation needed to assist in your investigation.
Product: Debt collection

I have not answered any calls the repeatedly call before XXXX  in morning and at XXXX XXXX at night which is against everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put in a complain about this company and their response was that the account listed below was not on my credit report. I waited 30 days and its still on my report. Please have this item removed because it doesn't belong to me. 


1 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/2018 BALANCE {$2700.00}
Product: Mortgage

I have three mortgages with PennyMac. I paid XX/XX/2018 mortgages through a bill pay service. One check was issued for all three mortgages. PennyMac held the check for several weeks and then posted to one account. I was made aware of this when I started getting robo calls regarding my two unpaid accounts. THREE times now I have called in to correct the problem. Yes, THREE times. I have to hold while they investigate, confirm my previous calls and then continue to hold while they make notes to repost the payments. Now one of my accounts is 30 days late. Enough. It shouldn't have happened in the first place, but after three attempts and my time and frustration and now that it is affecting my credit, it is time to take action.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a report without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end credit plan as late if the payment was received by the creditor by the date it was due.
Product: Credit card or prepaid card

A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Student loan

The loans in review were consolidated and there is no way to differentiate the percentage of the Perkins Loan that was consolidated is being denied. The loan in review is NOT a Perkins loan and should be granted full forgiveness. XXXX  needs to conduct a full review and provide how and why they determined the amount of the loan being denied.
Product: Credit card

I requested an autopay arrangement with my recently obtained Chase Slate visa credit card and the authorization form has only two options : either " minimum payment due '' or " full amount due '' ( which having just transferred a balance from another credit card is not an option at this time for me or probably for many others ). No option for selecting a fixed amount higher than the minimum payment is provided on the form, which is more than likely intentional to keep folks trapped in making minimum payments down the road.
Product: Credit card or prepaid card

I recently paid off two Comenity  store cards, XXXX & Victoria Secrets. I paid in full the account balances, one in XXXX and one in XXXX, leaving with a statement balance of zero. Today I decided to double-check my paid-off accounts and there was now a {$2.00} interest charge. I called both credit card account services and no one could explain to me WHAT BALANCE they were using to charge interest. Having had this happen with the same bank, Comenity and BOTH were paid off, it greatly concerned me. Being in later years, I am aware enough to double-check banks. I worry about the younger first-time cardholders, using Comenity, getting a serious DING to their credit report not being aware the Comenity charges interest on a ZREO balance card! Late payments could be serious! Both, XXXX and Victoria 's Secret Comenity credit cards EASILY and extremely willingly took the charge off and I am good. Just want to report the fuzzy math interest charges to help others.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX XXXX XXXX, graduated last year and when I recently learned ab it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

Ok I have a timeline of responsive and cooperative behavior. 
I began paying XXXX XXXX XXXX in XX/XX/XXXX I arranged to pay monthly {$250.00} until the balance of XXXX was paid in full. I paid this faithfully monthly. It was being deducted out of my account with no problems. 

Well according to the amortization report XXXX provided the account would be paid in full XX/XX/XXXX. Well when all payments stopped in XXXX we thought it was the end. I called requesting a letter of final payment or payment satisfied and they started with we can't speak with you because you are attorney repped. I said no I am not attorney repped who and what is the name of this attorney. They shared this information and I said I don't even know this person I am not attorney repped you have been speaking with me and my husband over almost three years now what are you talking about. So this went on for several weeks, well in the mean time I am served with this lawsuit stating we have this outstanding balance of {$950.00} I immediately began to call and again they would not speak to me. So, one of the customer service persons answering suggested I write a non-repped letter send via email and give them 2 days and see if that works. Well I did that but by the time that processed worked I was being served at my home with papers. 
I immediately called them again, was told the amount I owed and told them I was not aware of any amount being due, due to fact we paid until XXXX and all payments stopped being deducted and when we called we were told we were attorney repped so no one would speak with us for months this went on from XXXX to XXXX. 

So, they told me they could only accept a certain amount per day via credit card and my balance was XXXX so we had to split the payment. And I still had to employ an attorney to write an answer to the suit filed {$450.00}. I had that done and taken to the courts and filed my answer. So, I called XXXX XXXX XXXX to inquire about the suit being closed, canceled or whatever the next steps because I paid it in full in XXXX and filed my answer of proof in XXXX. The office has yet to answer me, they have yet to explain why according to online case information Case # XXXX status is still showing pending as of XXXX. Almost 5 months ago. This Capitol One card was charged off years ago but XXXX XXXX XXXX kept coming after me threatening to garnish my wages, file law suit so I paid what I could I was going through a nasty divorce and just could not afford but I did what I had to. 

I want this over and I have paid over 8k to these folks, they will not send written communication for payment in full they stated we needed 30 days to respond via written communication well in 30 days I still have not receive anything, they can't confirm any documentation has gone to the courts to close the suit and clearly they do not have anyone monitoring cases if they did send to confirm it was received and processed. My hands are tied and I want this over. This office does not communicate verbally well nor do they communicate in writing. They don't want resolution this allows for more money to be paid out for them.
Product: Credit reporting 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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than the 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Financial LLC : XX/XX/2022. This inquiry wasn't authorized.