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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Complaint Regarding Unresolved Fraudulent Charge by JP Morgan/Chase Bank To whom it may concern, I am writing to file a formal complaint against JP Morgan/Chase Bank regarding their failure to refund a fraudulent charge on my account, despite my prompt reporting and continuous follow-up.

Details of the incident : - Account Holder 's Name : XXXX XXXX - Bank Name : JP Morgan/Chase Bank XXXX Account Number : XXXX - Date of Fraudulent Transaction : XX/XX/year> - Amount of Fraudulent Transaction : XXXX - Description of Fraudulent Transaction : Tote bag purchased from XXXX XXXX XXXX XXXX XXXX 
- Item Order Number : XXXX XX/XX/year> : Unexpected charge was issued on my debit card. My phone notified me about a charge made on my card for a tote bag purchased at XXXX XXXX XXXX headquarters in XXXX, PA. Shortly after that, I cancelled the card and I contacted the bank to report the issue. 

XX/XX/year> : I contacted the bank as the charge was not removed from my account and a claim was submitted. 

XX/XX/year> : A notice was sent that the claim was not approved and the money would be deducted from my account. I was not aware of this notice until later. 

XX/XX/year> : I realized the claim status and the charge continued to be in my transaction history, so I contacted the bank who the next day sent another notice reaffirming the position that the transaction was authorized. I did not authorize this transaction. 

XX/XX/year> : I contacted XXXX XXXX XXXX headquarters as instructed by JP Morgan/Chase fraud division customer service . They refused to provide any help or assistance on the matter. 

I first reported this unauthorized charge on XX/XX/XXXX to JP Morgan/Chase and have since contacted their customer service department multiple times. However, I have not received the refund or any satisfactory resolution to this issue. I have attached copies of all relevant documentation and correspondence related to this matter. 

Despite JP Morgan/Chase 's assurances and the protections offered under the Electronic Funds Transfer Act ( EFTA ) XXXX my request for a refund remains unresolved. The bank 's lack of action has caused me significant distress and inconvenience, and I am seeking your assistance to resolve this matter. 

I request the Consumer Financial Protection Bureau to investigate this complaint and to ensure that JP Morgan/Chase complies with the applicable regulations and processes the refund of the disputed amount promptly. Additionally, I would like a written confirmation of the resolution of this issue from both JP Morgan/Chase and the CFPB. 

Thank you for your time and attention to this urgent matter. I appreciate your assistance and look forward to a prompt resolution. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a XXXXXXXX XXXX XXXX bill that was not mine. I did this through the 3 consumer companies. It was removed from XXXX and XXXX but not Experian. I ask it be removed from Experian so it reflects the most accurate information. Id like my reports to show accurate and transparent information, matching information.
Product: Debt collection

On XX/XX/2020, Sunday at XXXX an intimidating, XXXX man showed up at my door.He had no identification and was wearing plain clothes. He stated he was from XXXX XXXX. ( Not GAT ) I told him through the door to leave the mail in floor in front of my door. I have attached what he left on my door mat. 

Misrepresented Court Documentation Please note : The man left a loose packet of papers. There was no envelope.The paperwork says Summons. There is no summons number. There is no notice to appear report date, time, or location. The packet is missing a page ( s ) as noted by the remnants of a page ( s ) still being attached to the stapler on the left side of the paper. The document is in different fonts and sizes. 
Apparently, this case was filed on XX/XX/XXXX.The response ( see attached ) to my first letter states that I must respond before XX/XX/2020. How could this case be filed in court prior to the required response date? 
Also, it is XX/XX/2020. I have not received a response to my second certified correspondence ( sent in XXXX ) asking to resolve this amount for 15 % of the amount you are asking, due to me being non-renewed at my job. 
I also shared that the original debt bought by your client was due to Hurricane Harvey. My family and I had to relocate and I ended up filing for unemployment. The documentation that you previously provided does not justify the amount that you are stating that I owe. The amount that you are seeking is inflated considerably. I do not have the money you seek. 
I am asking that you cease communication with me or send official Court Correspondence. The packet you sent ( with pages missing ) did not provide me any documentation regarding the court report date or time to appear. It is missing a summons number, which will make it hard for the court to identify the case. If I fail to appear a warrant will be issued for my arrest.
Product: Credit reporting or other personal consumer reports

They have accounts opend when I was in prison and my data was effect by the Equifax data breach
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am sending to follow up on the last complaint I sent to your attention on XX/XX/2024 regarding certain items on my credit report. I appreciate your prompt attention to this matter. As of today, 30 days since I sent the original dispute letter, I have not received any communication or updates regarding the resolution of the dispute. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. Please refer to the letter I attached in this complaint.
Product: Checking or savings account

On Mon. XX/XX/23 I opened an account and deposited a check XXXX XXXX XXXX XXXX, for a refund of an issue we had. 

on XXXX XX/XX/23, this {$800.00} check cleared my account. 

on XXXX XX/XX/23, this {$800.00} deposit was reversed by PNC, and said the issuer had placed a stop payment on this check ( after it was already cleared ). I found out they did this because I had given them a bad reveiw, the Sales mgr told me this, I then spoke with his mgr and they will be re-issuing the check. 

I don't know how a bank can take money out of someones account on a deposit that has already cleared, when the issuer puts a stop payment after the check was already cleared.
Product: Credit reporting or other personal consumer reports

n 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 XXXXXXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across XXXX, EQUIFAX, and XXXX. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXXXXXX 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the XXXX agencies are all reporting different information. 

The accounts are as follows : XXXX The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the XXXX bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all XXXX agencies immediately. 

Another account is listed on EQUIFAX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from Equifax immediately. 

There is an inquiry listed on XXXX, EQUIFAX, and XXXX inquiries listed on my report with the date of XX/XX/XXXXXXXX  I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 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 months that are reported late 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 may 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 XXXXXXXX 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 XXXX 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
Product: Credit card or prepaid card

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Product: Debt collection

I checked my credit report today, XX/XX/XXXX, and noticed there was a recent derogatory account listed as of XX/XX/XXXX. The account was listed as being from XXXX XXXX XXXX XXXX I called Consumer Adjustment Company Inc ( CACI ) today, XX/XX/XXXX to inquire as this is an invalid debt that I disputed in the past. It was deleted in the past due to inaccuracies. When I spoke to the first representative he told me that the dates of service were : XX/XX/XXXX and XX/XX/XXXX. I called the hospital in question, XXXX XXXX XXXX XXXX in Texas and I also contacted XXXX XXXX XXXX XXXX XXXX, both of whom advised they do not have any debts for the dates provided and furthermore they do not work with CACI. I called CACI again and this time spoke to XXXX ( They do not provide last names ). I advised him that the debts are not legitimate and I want to dispute them. He refused to give me information until I asked repeatedly. He then gave me the address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX to mail a dispute. He at first told me I would receive a letter. This was put on my credit report without cause and is hurting my ability to secure a mortgage. I am currently in the process of purchasing a home and this phantom account is hurting us tremendously.
Product: Debt collection

I have asked many times for the paperwork to show my personal signature on the documents they sent and portfolio Recovery Associates keep sending paperwork that don't provide my signature. I dispute this multiple times for the same reason and they never provide it to me it was acquired by them but can't provide me documentation showing my signature as proof that it be longs to me I have spent countless hours trying to clear this matter up and they keep sending the same paperwork without my signature on it I want it removed now of my credit report and a code to be put on to not added it back on each time I dispute it they add a new year on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are both XXXX vets. Our mortgage was sold to XXXX  XXXX from another company. XXXX  XXXX never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX and has come out the first of every month. We have confirmed this with bank statements. XXXX XXXX  has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

For the last 3 years I have been getting collection calls for a  XXXX   XXXX . I understand that this person may have had this phone number before it was given to me. When I am at home, I answer the phone and tell the agents that they have the wrong number. Some of them will update their information, but pass on the collection account to someone else so I have to do the same thing all over again. I guess they keep going back to the last phone number that the person had and therefore keep calling my number. I think this is harassment because I keep telling the people the same thing and they keep passing the information on about the client with my phone number. I do not know the names of these collection agencies or their numbers because different numbers come up, so I do not know how to stop this problem.
Product: Credit card or prepaid card

Fraudulent charges and the credit card company refused to remove them. The charges are highly suspicious. I had a XXXX balance and can not remember the last time I used this card. The type of charges and frequency should have been picked up by the algorithm they use for security. I reported a card missing, immediately closed my account and filed a Sherrifs report.
Product: Credit reporting or other personal consumer reports

They didnt delete my accounts In accordance with the fair credit reporting act. The list of accounts below violated my federaly protected consumer rights to privacy and confidentiality under 15 use 1681 XXXX, XXXX, Equifax. 
15 u.s.c1681 section 602A states I have the right to privacy.

15 u.s.c 1681 Section 604 A, section 2 states a consumer reporting agency can not furish an without. Y written instructions.

15 U.s.c 1681c ( a ) ( 5 ) Section 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 records of convictions and crimes which antidotes the report by 7 years. 

I want the accounts deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named Grant & Weber in XXXX California. I have called to XXXX and disputed the information. I also placed a call to Grant & Weber on Monday the XXXX of XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with Experian, XXXX, and XXXX concerning XXXX XXXX XXXX XXXXXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. 

Below are the details of the discrepancies : Experian : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

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

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX  XXXX shouldn't be on my credit report for XXXX. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call XXXX again to file a fraud dispute. Can you contact XXXX to let them they that I see a fraudulent account on my credit report?
Product: Checking or savings account

On or around XX/XX/2024, I was a victim of stolen personal items from my vehicle. During this process with the original account ending in ( XXXX ) we were instructed by the branch banker to close down our account. During that process the banker asked us for information on all outstanding checks and checks that had not yet cleared. Upon reporting all the proper information we were given a new account. ending in XXXX. 

Moving forward, about a month after we closed down the old accounts and we were working to get everything resolved we received notification from our bookkeeper that the bank had paid one of the stolen checks despite closing down that account. Upon receiving this information, we immediately went into our branch and was instructed to open another claim on or around XX/XX/2024. 

It was during this process we were given case number ( XXXX ). It was explained to us during this process that the check number was misconstrued by the banker taking the claim and she categorized the check as authorized and to be paid. Due to this internal bank error our new account ending in ( XXXX ) was deducted without authorization due to a stolen instrument. 

At this present time, we submitted our claim some ( XXXX XXXX XXXX and according to US Bank everything has been received and it's still under investigation. My issue is we were never given a preliminary credit despite being a branch error. At this present time, it is causing extreme Fianacial hardships, and I request at least a provisional credit while we work through the details of the claim that's almost XXXX XXXX old.