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

I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from J.P. MORGAN CHASE BANK to credit bureaus which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. J.P. MORGAN CHASE BANK is continuing to report negative items on my consumer report. J.P. MORGAN is committing securities fraud and theft. J.P. MORGAN has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. J.P. MORGAN CHASE BANK is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for J.P. MORGAN CHASE BANK to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, J.P. MORGAN CHASE BANK, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled J.P. MORGAN CHASE BANK, SEC filings, more specifically the XXXX and XXXX, with in SEC filed Prospectus, and Trust Indenture Forms. In the forms forms state J.P. MORGAN CHASE BANK, is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. I also stated in my letter for J.P. MORGAN to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that J.P. MORGAN CHASE bank is committing and that I am putting them on notice because I will be filing complaints with the SEC, FINRA, IRS, and further legal action. J.P. MORGAN CHASE BANK has refused to remove and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately Or at receipt of notice to we Opt out of all reporting on any account by the holder per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, 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, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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 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 : It also states a consumer reporting agency can not furnish a account without my 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 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: Debt collection

Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, XXXX, and Transunion credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. That is false information they are telling me. 

Account listed below : XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX Transunion has it listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit The ground for removal that also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Credit card or prepaid card

My total U.S. Bank ( Mastercard ) fees from XXXX thru XX/XX/2021 : {$1000.00}. 

I was playing Oregon Lottery from XXXX thru XXXX, 2021. 

I had been out of state when I found that U.S. was charging {$20.00} per action. 

I assumed that my fee would be {$3.00} from the lottery and {$4.00} from the bank. 

At first, I asked for help from the Lottery, They wouldn't help me. 

I pleaded with my credit card people. They did credit me {$60.00}. 

I feel that {$1000.00} in fees for three months is excessive. 

I would appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are reporting an account as a charge off/collection but XXXX is not reporting the account. I would like to know the information Tranusnion XXXX XXXX has that XXXX does not. The consumer reports must match across the board and this account does not. Furthermore banks are insured under FDIC so they do incur a loss so reporting this account as such is erroneous claim.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates the cfpa. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error solution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00}
Product: Credit card or prepaid card

I have a Bank of America Credit card for over 20 years. On XX/XX/2018 they reported me 30 day late. I have never been late on any of my credit cards. They change my paper statement to Electronic statement. I always receive all my statement via the mail. They intentionally change the way I receive my statement and when I was late they did not intend to call me and let me figure out on my own. Bank of America bad business practice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1000.00} XX/XX/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 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 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 XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My information was exposed recently and to tell you the truth I feel so violated it makes me want to just die its non stop things popping up everywhere that I don't know were to start they sucked me dry again witch bring s me to good old netspend I had got my stimulus check loaded on there card I went and take out a XXXX dollar withdrawal so I would have enough for the next couple of weeks I Made some misalanious purchase here and there I couldn't download the app for some reason but I got a new one do you the fact I got robbed at gunpoint for .my phone and had XXXX get to get a new one well I had reported this to netspend and csr assured me they could not get my info so there was no need to cancel card well to my surprise I get my new phone I was able to download app but boy I wish I was not here at this moment this has brought so much tension between me and my wife cause she told me not to load a prepaid card cause it would create problems and it did I don't understand how a XXXX dollar credit would not raise flags anybody that is making a purchase a company would rather it be a debit transaction to be sure that it goes threw I would never risk I provided netspend with all what they needed to get my money I even provided them a reciept of me being in another city when this transaction was occurring I am at the brink of eviction problems with wife I request you to please have netspend respond also two checks that were not deposited by me how does this happen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my fourth time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/2022 and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/2022. For the forth and final time Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint # XXXX and XX/XX/2022 under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed XXXXXXXX XXXX XXXX  and XXXX XXXX, XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX and TransUnion ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. XXXX Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, XXXX and TransUnion is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, XXXX and TransUnion, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.
Product: Payday loan, title loan, or personal loan

Usaa denied me a personal loan of XXXX because of insufficient income. I'm retired XXXX with deposits into my checking account. I have been with usaa for over XXXX years and have been denied a personal loan every time I apply. I think this decision was made incorrectly because of insufficient income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXXXXXX  and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 
I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX
Product: Checking or savings account

My CD got matured today, XXXX. I requested synchrony bank to put my CD money in my synchronys high yield savings account. Synchrony bank in not acting on my request.
Product: Vehicle loan or lease

This company repossessed my truck years ago. They've continued to mark me as late EACH MONTH even though they've repossessed the truck. They've now sent a wage garnishment to my employer for {$560.00} a month and it's still showing as an open loan on my credit report, they've never bothered to close it so that it continues to affect my credit and keeps me from being able to finance any used car. I've disputed multiple times on XXXX XXXX  and reached out to credit acceptance personally and they've refused to do anything about it to rectify the situation.
Product: Mortgage

Earnest money {$1200.00} XX/XX/XXXX Inspection {$300.00} XX/XX/XXXX Appraisal {$450.00} XX/XX/XXXX Repair on the house that they told me I have to do it before the closing {$480.00} I call them and complain about what happen with the company. homestar financial corporation Georgia I told them that the loan officer XXXX XXXX branch manager of XXXX Georgia mis lead me. He told me I was pre-approved for {$150000.00} but never gave me a pre-approval letter or denial letter. After 7 months working with him he tells me I cant buy the house because I was never approved. So he told me to sell my car XXXX XXXX XXXX and he would give me {$2000.00} credit. He made me a fake bill of sale letter saying I sold a car I told him I got {$5000.00} cash for the down payment. He told me I cant used cash its got to in my bank account thats how he came up with the fake bill of sale. I have the text showing that he tells me to sale my car and tell me about the fake bill of sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX Ending # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 
15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix a issue with XXXX XXXX XXXX ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through experian and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX  and XXXX XXXX entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.