23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate, incomplete and the JP Morgan Chase accounts have not be validated as mine. All have been unverifiable by this creditor. 

JP Morgan Chase has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by JP Morgan Chase regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score.

I have sent certified letters ( with tracking info ) to JP Morgan Chase on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory JP Morgan Chase accounts from my credit report.
Product: Mortgage

I am always on time when sending my mortgage, as it is my most important bill, however the company continues to accuse me of sending my check late. I send my check well before my billing date and they continue to say they have not received my payment on time, each time they charge me a late fee. I have been to my local post office for information on how long it takes for a letter to reach California from Massachusetts, they told me it takes about three to five days. I always send my check on time and they claim I am roughly 19 days late on my payment, they have charged me late fees multiple times and I am upset since I know my payments are on time. It seems as if they want to force me to switch to automatic payment although I have always payed by check through the mail.
Product: Credit reporting or other personal consumer reports

] Subject : Notice of Data Breach and Intent to Pursue Litigation Dear Credit Bureau 's I am writing to formally notify you of a significant data breach that has affected me and potentially compromised my personal and financial information. As a result of this breach, I have suffered damages and incurred expenses that I believe are attributable to your organization 's failure to adequately protect my data. 

My SSN, Personal Information was Compromise data Beach should be removed in 24 hours. 


Despite your legal obligations to safeguard sensitive consumer data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, it is evident that your organization failed to implement adequate security measures to prevent unauthorized access to my personal information. This failure has caused me significant harm, including [ list any damages or expenses you have incurred as a result of the breach ]. 

Given the seriousness of this matter and the extent of the damages I have suffered, I am hereby notifying you of my intent to pursue litigation against your organization to seek redress for the harm caused by the data breach. I believe that your negligence in protecting my personal information constitutes a violation of my rights under the FCRA and other relevant statutes, and I am prepared to take legal action to hold your organization accountable for its actions. 

Please be advised that I expect your full cooperation in resolving this matter promptly and amicably. However, if a satisfactory resolution can not be reached through negotiation, I will have no choice but to pursue litigation to protect my legal rights and seek appropriate compensation for the damages I have incurred. 

I urge you to take this matter seriously and to provide a prompt response to this letter. If you require any additional information or documentation from me regarding the data breach or the damages I have suffered, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I did not receive my direct deposit on Thursday afternoon as I always do. Capital one did not notify their customers of this issue until late Thursday afternoon. We were told that by Thursday night early Friday morning we would receive our direct deposits. However, it is not almost the end of business day on XX/XX/year> XXXX  and I still have not received my direct deposit. Theyre not giving us clear answers as to when our money will be available!
Product: Payday loan, title loan, or personal loan

I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.
Product: Credit reporting or other personal consumer reports

Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX 2024
Product: Consumer Loan

I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX. 

In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not! 
I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance. 
At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me. 
I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?
Product: Payday loan, title loan, or personal loan

Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of Honda granting the 60th payment extension and XXXX notice. Also attached is a XXXX bill showing Honda receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached Honda refuses to provide the details of its XXXX interest calculation. Honda refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.
Product: Debt collection

This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright.. 
Whoever violate my private security agreement trademark copyright can be up to XXXX action.
Product: Student loan

I graduated on XXXX XXXX, XXXX. Toward the end of my six month grace period after graduation, I requested Forebearance for my XXXX loans with Sallie Mae. I was living in XXXX and Sallie Mae instructed my parents to call every three months to pay a fee and renew the forebearance. I was first charged a {$150.00} ( {$50.00} per loan capped at {$150.00} - this shows on my account payment history as {$25.00} for each loan ) fee for forebearance on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. For my final 3 months of forebearance I had left ( forebearance may only be used for a total of 12 months ) I called Sallie Mae and was charged on XXXX/XXXX/XXXX. After this transaction my account showed that my next payment would not be due until XXXX/XXXX/XXXX. Recently, we began receiving calls that I owed a payment to Sallie Mae for the total amount of my monthly loans. I have spoken with Sallie Mae at least every other day for the past XXXX weeks. I continue to be told the problem will be resolved on my account and nothing changes. At the top of my account loan summary, there is an alert that all XXXX of my loans are past due. As you continue down and look at each loan, there is a statement below each that states " In Forebearance - No Payment Required ( estimated principal & interest payment due date XXXX/XXXX/XXXX. '' My transaction history shows late charges for each loan. My cosigner, in an effort to stop the constant telephone calls from Sallie Mae, was told he could pay an extra fee of {$150.00} for one more month of forebearance. This does not make sense because if I paid on XXXX XXXX my final three months of forebearance, then I ca n't understand why I received late charges on XXXX/XXXX/XXXX. If there truly was a problem with payment, no one informed us of this at any point when my parents or I spoke with Sallie Mae to renew my forebearance. 

I am completely frustrated trying to resolve this serious issue with Sallie Mae, who seems to have a different record than I am reading in my account. I can never speak with the same person, and I am assured the problem will be resolved within 24 hours on my account and it is not. I am concerned if Sallie Mae and I can not reach the point where all of this is resolved that it will unfairly affect my credit. 

Thank you for your time.
Product: Money transfer, virtual currency, or money service

paypal owe me XXXX and want me to pay to get XXXX back when they owe me money.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX
Product: Consumer Loan

I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with it.
Product: Debt collection

This company called threatening to arrest me and that they would garnish my wages on XX/XX/2018. Ms. XXXX stated that I owed a loan agency {$3000.00} and explained that she knows it is excessive but she wouldn't be able to do anything about that. She asked me for my credit card number and if I refused they would go forward with pressing charges and to garnish wages. I let her know that I did not have any income at the time. She called me the next week on XX/XX/2018 asking for me to call her back. On XX/XX/2018 at XXXX she called asking for me to give her my credit card info. I explained to her that I have not received proper notification regarding this situation. She explain she did not have my address and asked for me to give it to her. I again declined and let her know that if she did not have that information there would be no way she could press charges on me or garnish my wages, She then became irate and told me she would call my employer and start the garnishing process then disconnected the line. She called again at XXXX  on XX/XX/2018. I asked her to stop calling me she in returned screamed stating that she spoke to my employer by the name of " XXXX  '' ( never once said my employers name ) I continued to tell her to please do not contact me this was beginning to be harassment she continued ranting and screaming with threats then again disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the XXXX XXXX XXXX  told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX  they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
Product: Money transfer, virtual currency, or money service

Hi, on XX/XX/XXXX my Western Union account number XXXX was hacked by someone who chose a name from my receivers history to create an account in XXXX. 
The person they used lives in the XXXX XXXX. 
They transferred 3 transactions {$910.00}, {$910.00} and {$900.00} and the last transfer they tried was cancelled.The money was picked up from a bank account in XXXX without any ID or MTCN number. I spoke to WU and they did not take any responsibility because they said that the money was already picked up. I do not understand how they allowed someone to pick up this large sum of money transferred to a fake bank account.
Product: Checking or savings account

XXXX XXXX I had various bouncing items and fees associated with those items. I always had the money available for said purchases, but they would bounce. I would then be charged fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent money and sent a letter by certified mail receipt # XXXX to Amerfinancial XXXX. XXXX XXXX XXXX, MI XXXX I spent money to send this letter regarding this account and it was returned to sender. I later discovered that the address the creditor had listed on my credit report which Ive attached an image of Was inaccurate data and amerifinancial was providing a false address to reach them on your credit report. Therefore, Ive included a copy of the return mail and Im requesting a removal
Product: Consumer Loan

Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a balance of {$1700.00} in my Venmo account on XX/XX/2019. I sent {$1300.00} from my Venmo account to my bank account so that I could pay my bills for the month before XXXX, which then left a balance of XXXX. It told me that I would have it in my bank account on XXXX XXXX because for some reason it would not let me do an instant transfer. On XXXX XXXX I received an email from Venmo saying " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' so on the XX/XX/XXXX, I sent them a message to find out why to which they claimed that I had another account that owed XXXX, I did have another account at one time and got locked out so I opened a new one, I didn't recall owing money but I wasn't denying that, I don't have a problem with them takingXXXX out of what they have stolen from me which is ( XXXX ). They tell me I need to pay an additional XXXX and then submit for a refund of the XXXX and they will look into it within 5 business days. That is not acceptable. Venmo is a payment system that transfers from one person to another. There is no reason they should " freeze '' XXXX for a bill of XXXX and then tell me to send them ANOTHER XXXX and then they will consider sending me the XXXX back. So basically they have stolen {$950.00} from me that isn't theres. This company is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit limit of {$10000.00} with XXXX XXXX. I took out {$3000.00} to pay for an upgrade in my home. This is the line of credit that is secured against my savings. XXXX XXXX turned me into the credit bureaus as having taken out a {$3000.00} loan unsecured And my credit score has dropped 39 points. Itll take me years to gain the 39 points back. I have already re-pay the {$3000.00}. Unfair reporting practices.
Product: Mortgage

I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX.