23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - ComenityCB/Gamestop and the Acct # XXXX have 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 So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ EQ date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, EX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, TU date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

For XXXX account # XXXX is inaccurate Since [ EX - the date last active is XX/XX/XXXX, XXXX  the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

Also, there's one error of late payment on XX/XX/XXXX. Please correct it immediately since I am not late. I did contact the creditor and Transunion, you stated late due is verified so how it is possible? It seems like you violated my rights since you didn't do the investigation properly. 

demand these account be deleted from my credit report.
Product: Checking or savings account

I am writing to file a formal complaint against JPMorgan Chase Bank regarding the sudden closure of my XXXX account and the withholding of funds vital for the operation of my business. The details of the transactions and events are as follows : Transaction Dates and Amounts : XX/XX/2024 - {$20000.00} XX/XX/2024 - {$11000.00} XX/XX/2024 - {$15000.00} XX/XX/2024 - {$4300.00} XX/XX/2024 - {$9300.00} XX/XX/2024 - {$14000.00} On XX/XX/2024, I received an email notification from JPMorgan Chase Bank informing me that my XXXX  account has been closed without any explanation provided. Despite repeated attempts to obtain information regarding the closure and the status of my funds, I have been met with a lack of transparency and assistance from Chase Bank representatives. They have refused to provide any details over the phone, leaving me in a state of uncertainty and financial distress. 

The funds being held by Chase Bank are critical for the ongoing operation of my business. Without access to these funds, I am unable to meet essential financial obligations, including payroll, inventory purchases, and other necessary expenses. The abrupt closure of my account and the subsequent withholding of funds have caused significant disruption and hardship for my business, jeopardizing its viability and placing undue stress on myself and my employees. 

I believe that JPMorgan Chase Bank 's actions constitute a violation of consumer protection regulations, including unfair and deceptive practices. The lack of communication and transparency regarding the account closure and fund withholding demonstrates a disregard for consumer rights and financial well-being. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank provides a satisfactory resolution. I seek the immediate release of my funds and compensation for any damages incurred as a result of Chase Bank 's actions. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.
Product: Credit reporting or other personal consumer reports

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX  AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX  ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, EQUIFAX, XXXX XXXX, AND ALL OTHERS
Product: Money transfer, virtual currency, or money service

I was victim of fraud XXXX XXXX XXXX XXXX XXXX they took my debit information
Product: Credit card or prepaid card

On XX/XX/2019 I made a payment in the amount of {$4300.00} online to my credit card USBank, which I paid for with my account at XXXX  XXXX XXXX. 

On XX/XX/2019, USBank deducted the same amount from my account with XXXX  XXXX XXXX. 

XX/XX/2019 I contacted Customer Service and explained that USBank owed me the {$4300.00} that they had deducted from my account. 

On XX/XX/2019 I called Customer Service to inquire about my refund. I was told that a check in the amount of {$3500.00} had been issued. When I asked why the amount was less than that they had taken from me, I was told that current charges showed on my account so they deducted these charges without my consent or permission. My account was and is in good standing, my account was not overdue and I have never been in collections.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I discovered unauthorized hard inquiries I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and request there removal. Unfortunately, the credit bureaus refused to remove them off my report. The issue is causing me undue stress and is negatively affecting my financial standing and defaming my character.
Product: Credit reporting or other personal consumer reports

Credit Karma closed my account and i was unable to login on XX/XX/XXXX2025 it may have even been longer as i hadn't used the app in a while since around XXXX or XXXX of 2023. I had reached out to the customer service chat line and was provided no information under then the account was closed and i would have to create a new one. I've never authorize for an account closure nor was i notified of XXXX by Credit Karma. I do not feel comfortable providing my information to recreate an account as i don't know if my account could have been compromised.
Product: Payday loan, title loan, or personal loan

XXXX XXXX from Empire Finance in XXXX Mo., trespassed on my property and threatened to report me to XXXX XXXX XXXXXXXX for unearned income on XXXX18, for an amount that I borrowed for {$460.00}. They have also harassed my XXXX year old mother regarding my debt. It was so humiliating due to my roommate who was sitting on the couch that I ended up in the E.R. due to a XXXX XXXX.
Product: Student loan

Recently I applied for one of " Navient, '' the largest student loan provider, with one of their " Income Driven Repayment Plans '' on their website. Yet my Student Loan " Amount '' and the " Interest Rate '' that I was quoted and guaranteed on their " Navient '' website was NOT what they mailed to me to  accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
XXXX and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts.My credit report is still reporting Bankruptcy, XXXX, on XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
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 items. 
XXXX 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 XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date XX/XX/XXXX Fed loan servicing, amount XXXX XXXX.Fed loan servicing account XXXX Date XX/XX/XXXX amount XXXX, Fed loan servicing XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX date XX/XX/XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.Fedloan servicing # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX XXXX, XXXX  residentia via Partners credit verification febdenstiny, XXXX  of central via XXXX of centralXXXX XXXX XXXX XXXX interactive in. 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 These are the dates requested XXXX
Product: Mortgage

Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to XXXX.
Product: Debt collection

HI My name is XXXX XXXX This company AR RESOURCES INC I don't even know what is it its reporting me as collection but I don't received a notice or anything I move to XXXX XXXX XXXX XXXX, FL XXXX I don't think is fair they just do such thing in a person that doesn't even know XXXX XXXX
Product: Debt collection

XX/XX/year> XX/XX/XXXX XXXX.Lvnv funding i dont know this i have nothing with them 2 accounts
Product: Debt collection

I have the original document sent to us on XX/XX/year> Telling us we owed them {$870.00} in move out fees and that if we paid before that month we would be give a 20 % discount bring the total to {$700.00}. 

I paid the {$700.00} on XX/XX/XXXX to the Assistant Manager XXXX XXXX. Where i have an email from he confirming she recieve the amount and would apply it. 

The continue to harass me to collect the 20 % discount i was given and I don't know what to do at this point. Do I have to take them to court to get this fixed?
Product: Credit reporting or other personal consumer reports

I did not authorize or have any knowledge of the XXXX inquires on my credit file XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the XXXX XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX  XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance {$79.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

For the last 9 years I 've had numerous issues with my student loans, many I 've already voiced to CFPB, this is just another issue in a long line of problems. For the past two years I 've been on a " payment plan '' the deal was I pay for 3 months on time with automatically withdrawn payments and they send me a copy of my new updated contract, also after 3 months my interest is supposed to have gone down to 0.01 % because they 've already at this point charged me so much interest my loan is well over double the original amount. Well it 's been two years almost and nothing. I was kicked off the program once even with no notification, and they kept taking out the money every month, it was only after several harassing phone calls did we figure out we were kicked off. I was put back into the " payment plan '' about spring of last year and we still have yet to receive any notification of new contract, not only that but none of the payments I 'm making Are showing up on my credit report, it just says I have n't made any payments in over 90 days! This is preventing me from buying a home for my family.. We do n't qualify for anything because this loan is so greatly affecting my credit. They give us no contact information in the letters we do receive from XXXX, it 's a weird dept handling my loan and when I call no one can get me to the right person to talk to ... I 'm at me wits end, I want to start my life, care for my family and not have to pay almost XXXX what I borrowed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called Ameri Cash Loans on XX/XX/2019 and spoke with a representative by the name of Ms. XXXX XXXX in the collections department and attempted to arrange for a one time settlement payment to settle the payday loan debt that I owed it has been over 1 year. Since it has been more then a year the loan was taken out and they continue to charge interest is illegal and unethical. I was unemployed for over a year I have been unemployed and recently had no access to money I tried to arrange a settlement payment to satisfy the loan for {$1700.00}. I offered to pay half of the debt for the amount borrowed the representative I spoke with refused to my offer of {$780.00} because she wanted me to pay {$2500.00} which I clearly communicated I did not have to pay because the place I am working with is a temporary job and Im not sure how long I will remained employed with them. I did go ahead and make a one time payment of {$780.00} for the loan but I am afraid they will keep harassing me and attempt to take payments of my card when I may be unemployed again due to the job not being permanent. They have an outstanding balance of {$4200.00} shown as owed when I only borrowed {$1700.00} I want to be done with this company and the unpractical tactics to get money out of people. This is is unacceptable and I show not have to pay this loan due to the company unwillingness to accept a payment of the original amount I borrowed I can not pay more then what was borrowed. If someone can help me with this issue I would be forever grateful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries Account name : XXXX Account number : XXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account XXXX Account name : XXXX Account numberXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX