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

On XX/XX/2023 I applied for a role at JP Morgan Chase for which I was given an offer/employment contract on XX/XX/2023. JP Morgan Chase then initiated an investigation and I was pre-adverse notification requesting information on previous employment history. After responding to this request, Global workforce screening from JP Morgan Chase on XX/XX/2023 reached out seeking a " detailed explanation regarding the closure/restriction of a Chase bank account. I responded to the request stating the account had been closed to no activity. On XX/XX/2023 JP Morgan Chase notified me stating my start date of work had changed to XX/XX/2023 however on Monday, XX/XX/2023 I was told via a phone call that my employment contract had been rescinded and that I could initiate a dispute ( which I did ). A detailed dispute filed and I also notified the Chairman of JP Morgan of what had happened. On XX/XX/2023 I was notified by JP Morgan Chase that the reason for the rescind of my employment contract was not because of the previous account information requested ( see above ) but rather a Chase business credit account which I had nearly 8 years prior which was closed by Chase without any reason given. In short my name had been " flagged '' in there systems because of this account closure which was paid in full and had an excellent history. On XX/XX/XXXX, I was told that my complaint was being further investigated by the Chairman 's office. Finally on XX/XX/2023 I was notified that JP Morgan Chase was standing by the original decision of rescinding my employment contract because of Chase business account closure from years earlier. When I asked the JP Morgan Chase representative why I was my Chase business credit card account closed when it was in good standing and I did nothing, she responded by saying, she had limited access to the information but that Chase had the right to close accounts for any reason and without explanation. I believe JP Morgan Chase has discriminated against me not only for closing my Chase business credit card account from years back, but now in the employment hiring process. I humbly request a full investigation of this matter.
Product: Prepaid card

On XX/XX/2023 I called Vanilla Gift card at XXXX to dispute a transaction for XXXX at XXXX XXXX that was charged in XXXX XXXX ( I live in XXXX XXXX ) to my gift card as a fraudulent charge, as it was not me that used that card there. I spoke with someone at Vanilla that told me my card would be on hold while the charge was looked into and it would take XXXX days. I filled out the dispute form that was e mailed to me by Vanilla. On XX/XX/XXXX I received an e mail stating they needed a copy of the gift card and the receipt showing the purchase of the gift card. I e mailed both back that day. I waited until XX/XX/XXXX to call and see what the status was and to make sure they didn't need anything further from me. I spoke with someone on XX/XX/XXXX that said I should have resolution the following week. I called the following week and was told to call back the following week. I have called almost weekly and keep getting the same answer. Call back the following week. The last two times I have asked to speak to a supervisor. They transfer the call to hold music where no one ever picks up. I have also repeatedly asked to just have the card turned back on and they tell me they can't do that because it's in " dispute ''. I've also asked to just have a new card sent minus the XXXX XXXXXXXX, at this point I don't care. Again I get told the same thing. It's in " dispute '' and they can't. It should not take 3 months to verify a XXXX charge. I didn't care about the XXXX, I only cared that someone had my card information.
Product: Money transfer, virtual currency, or money service

Ive had my pay pal account for some years I rarely use it. But I got a Crypto and bought some eth.. and I left it on the account an I check from time to time.. I have the app and the only to bypass my code is to use a finger print because all of my codes are stored on my XXXX so I just use a finger print. Recently I go to check my account and realize my finger print no longer works. My account doesnt work at all my email address still holds my name but my password doesnt work.. so, I realize someone hacked my account.
Product: Debt collection

On XXXX XXXX, XXXX, I received a collection notice from The Revenue Group on behalf of the Ohio Attorney General for an unpaid bill of {$200.00} from the Ohio XXXX University XXXX XXXX. The service date of the bill is XXXX/XXXX/XXXX. This is the first notification I am aware of receiving for this bill. I assumed it is in error, because I had numerous health issues at that time and had met my out of pocket total expenses for my insurance. I called Ohio XXXX University XXXX XXXX on XXXX XXXX, XXXX, and was told that notifications of the bill were sent in XXXX XXXX and XXXX XXXX. This was four years ago, so in all honesty I ca n't remember if I did or did not receive these notices, but I can say that we are not the kind of people that ignore our bills. Had we received two notices I am certain we would have either paid or disputed it at that time. After speaking to XXXX XXXX XXXX, I contacted my insurance company for verification of payment. I was told that records that far back are not readily available, and may not be available at all. I was advised to make a records request in writing, which I did on XXXX XXXX, XXXX. I have received no response from my insurance company. I also sent a letter to the Revenue Group on XXXX XXXX, XXXX, explaining that I do n't think I owe this debt, but that I will work on obtaining documentation to prove it. So, the problem is, I have received this collection notice out of the blue, four years after the service was rendered. I no longer have any documentation that can prove I do n't owe this, and my insurance company also does not have documentation that goes back that far. I can not prove that I do n't owe this. However, I have had multiple interactions with Ohio XXXX University XXXX XXXX since XXXX for healthcare, and not once has anyone mentioned this bill. In fact, on XXXX occasions I have received payments from Ohio XXXX for overpayment. Why would they send money back to me if I owed them? This is really distressing. If I do n't pay this bill, it 's going to go on my credit record. Plus, it is going through the Ohio Attorney General Office, and I am an employee of the State of Ohio ... .If I do n't pay it, I 'm afraid I may get in trouble at my job. Can Ohio XXXX XXXX XXXX and the collection companies do this? Just pop up with a bill four years after the fact and say pay it or else?
Product: Checking or savings account

I have ahead navy federal since 2017. I have had many questionable overdraft fees. I have had to pay them even though I questioned why they allowed the transactions to go through.
Product: Mortgage

We purchased a primary home with a loan through united wholesale mortgage. No issues until recently. They have been charging us for a full tax escrow which is no issue. However taxes are due in full by XX/XX/XXXX. United wholesale didn't pull the taxes to be paid out of our escrow account and I have been calling and asking why for XXXX weeks now. They have given me XXXX different completion dates. XXXX was XX/XX/XXXX. XXXX was XX/XX/XXXX. Third they recently said XX/XX/XXXX. Most recently I had a long talk with a representative said taxes will be paid and fixed by XX/XX/XXXX. Today is XX/XX/XXXX I called and Talked to a rep who stated it was sent to their internal tax payment department and they dont know when it'll be paid. So here we are getting more fees against our house and our property is being put in jeporady because these people cant figure out how to pay the tax bill. Im sick of every rep lying to me and giving me a false date and no one knows when it'll be paid.
Product: Checking or savings account

Consumer ID ; XXXX Bank Of Ameria XXXX Routing # XXXX Account # XXXX I never commited fraud on this account. i would like to settle this and remove this from my bank history so that i can open up a bank account. There is no balance due. i opened this bank account for direct deposit and was never able to use this account. 
Bank name ; XXXX XXXX. Routing # XXXX Account # XXXX I have no knowledge of this account. I never banked with XXXX. i would like this account settled and removed from my reports and history. 
i am a victim of identity theft which was reported to the irs. 
XXXX XXXX. no knowledge of any account with them. 
XXXX XXXX. no knowledge of any account with them. 
i would like more information on how to dispute this accounts and get them removed from my banking history.
Product: Credit reporting or other personal consumer reports

I sent certified mail to all 3 bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}
Product: Credit card or prepaid card

I was charged for a product that was faulty and the company promised a refund but than backtracked. I disputed the charge for US {$110.00} with XXXX. The Citibank department closed it without informing me and I am not sure how to respond to them. I have not recieved any response as to why the dispute was closed
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

My name is XXXX XXXX, I have a barclay XXXX XXXX credit card ( acct XXXX ), and a bill of {$110.00} was due on XX/XX/XXXX. I used chase bill pay to pay in advance and the check was delivered to barclay on XX/XX/XXXX. however, the check was not processed immediately, and i checked regularly between XXXX to XX/XX/XXXX and it was not posted on the website. Because it was near the end of the day on XX/XX/XXXX and i still don't know if the payment will be processed, and i didn't want to get assessed a late fee and interest, i ended up paying a second payment of {$110.00} through barclay website and it went through. I then contacted XXXX to stop the first check since i have now made 2 payments. barclay ended up assessing a {$39.00} return payment fee when they finally process the first payment check. i've tried to contact barclay to see if they waive the fee given my situation, and they would not do it. i feel i'm getting penalized for something that's not my fault as a customer, i have the best interest to make sure barclay gets their payment on time.
Product: Credit card or prepaid card

1.I have a Capital One Venture Card. I have never made a late payment in my 20+ years as a customer. 
2. I have set up through my bank to have the same amount electronically remitted to Capital One each month, on the same day ( ie. every 30 days ), to more than cover any minimum payment that may be due on the card for a month 's transactions. There is no dispute that my payments more than cover the minimum payments required by Capital One. To my knowledge there has never been an issue with the timing of these payments, relative to the Capital One billing period in the past. 
3. Recently, Capital One received my payment due XXXX, XXXX on XX/XX/XXXX. My XXXX payment, which my statement said was due on XX/XX/XXXX, was sent by the bank on XX/XX/XXXX, one day before the end of what Capital one claims to be their billing cycle. 
4. Because the automatic payment from the bank was sent one day early ( because of an upcoming weekend ), Capital One claims I made no payment for XXXX at all. To punish me for this they have : *Locked my card indefinitely *Charged me a late fee *Reported me to credit agencies as a delinquent customer 5. Capital One refuses to remedy this error. Capital One claims that unless I make a payment directly to them, by allowing them access to withdraw funds directly from my bank account, they can and will continue to suspend my ability to use the account indefinitely. 
6. The bank from which I make my payments has verified to them that funds for the Capital One bill due on XX/XX/XXXX have been removed from my banking account and have been transferred to Capital One as of XX/XX/XXXX. They also verify that according to their records, no payment has been missed in the history of electronic payments made by the bank to Capital One. 
7. As of XX/XX/XXXX, Capital One themselves show that the funds have been received, but continue to tell me that the card is frozen indefinitely for non payment. They insist that it " takes a few days '' to process the payment, and therefore they will not release the card for an indefinite period of time, and refuse to give me a date when that might occur and when the errors will be corrected and my good credit history etc restored.
Product: Debt collection

A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. 
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. 
Please see attached letters.
Product: Mortgage

I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The current creditor of the loan is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) the corporation states : We do not originate loans or lend money directly to borrowers. If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please explain why XXXX XXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.
Product: Vehicle loan or lease

I am a victim of identity theft. This account is fraudulent. " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' Please see attached my FTC report, that A copy of federal law 605b
Product: Checking or savings account

I was notified that there was fraudulent activity on my account. They froze it for investigation. Then they notified my that they were closing my account. They have no traces of my money apariently. No only did someone take my money but now I am left with no acount and no way to access previous deposits on mobile banking.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Debt collection

There is an account that was reported on my XXXX credit report for XXXX XXXX. This account was opened on XX/XX/2016. I have disputed this charge multiple times as we do not owe this false charge, however the charge continues to re-appear on my credit report. This charge has been bought out by several different agencies. XXXX XXXX was not authorized to charge me and all balances were paid in full upon closing our account with XXXX. We have contacted XXXX XXXX several times attempting to settle this matter directly with them but XXXX refuses to make any changes. I will go to all measures necessary to ensure this is made right and the charge is dropped.
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

An account under the name of XXXX XXXX XXXX was opened in my name and is listed on my credit file. It states it was opened on XX/XX/XXXX. I do not have any knowledge of this account. The account was charged off and sold/transfered to LVNV FUNDING LLC. on XX/XX/XXXX. I did not know of this account until Spring of XXXX when I began looking into my credit report due to our credit being checked by potential landlords. On XX/XX/XXXX I filed a dispute with XXXX  regarding the account. XXXX  stated their result as follows, " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I'm unsure of why this account is still on my credit file and I am not allowed access to any other information regarding the dispute or how they came to this result.
Product: Payday loan, title loan, or personal loan

My loan is for {$4000.00} with a payment due on the XXXX of the month for {$200.00}. I was contacted on Sunday which was the XXXX of the month and asked for payment. I informed the representative that I could not pay until the XXXX of the month. The representative would not allow me to adjust the my payment date and stated the collection efforts would continue. Every two hours I was texted and called in which I answered the text and phone calls repeating that I could not pay until the XXXX and that I would also pay the late fees at that time. On Monday I repeated the information to all the various phone calls I also receive on Monday. The representative stated they needed my car until I could pay the payment. I repeated that I would pay the payment on the XXXX plus the late fees. 

The representatives were now becoming aggressive and threating to call and text my employer and that the are going to report my car stolen. I repeated that I could pay the {$200.00} in 7 days along with the late fees. They continued to harass me by phone, email, text and I replied to all of them with the same answer, I can pay on the XXXX and all late fees. 

Wednesday is today, and the representatives are calling around to my business relationships and threatened to report the car stolen. 

I have called the business, Maximum Title loans, and have attempted to speak to a individual about my account and have had to leave voice mails and have not bee called back, yet I have been asked 3 times to surrender my vehicle without explanation. 

Please assist me in mitigating the damage to my personal reputation and business well being from being slandered by these debt collectors and assist in obtaining reasonable terms of repayment and ability to request a payoff and close the account. 

My name is XXXX XXXX XXXX and I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; PXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.