23daVinci/CFPB_Complaints huggingface dataset:
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. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : inquires not mine XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} Status Open.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I made a XXXX rental car purchase ( Recommended by Chase ) via XXXX XXXX XXXX. When I was at rental car place the invoice came out to be {$220.00} and I was told that " everything was prepaid ... [ I ] have to signed the contract to pick up the car. '' After two weeks, the charged show up on my credit card and when I called CHASE to dispute the charge, after 4 hours of waiting CHASE was not even tried to help me but referred me to XXXX and closed my dispute without solution! After I called XXXX, the rental car service said I signed contact and the charge is not disputable. Now a helpless consumer, I have to pay for this scam hosted by TWO COMPANIES, CHASE ( refer and protect their partner ), XXXX ( force you to sign misleading contract, and so called protected by LAW ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, my rights have been violated. 
In accordance with

15 USC 1681 section 602a, i have the right to privacy. In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, after reviewing my credit report, I've noticed two unauthorized inquiries on my report. I have tried contacting the company individually and Equifax credit bureau with no assistance. I really need these deleted/removed, it is affecting my credit worthiness. 

XXXX - XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 2020
Product: Checking or savings account

Capital one credit card reported that there was no payment on my credit card in XX/XX/XXXX quick Silver ending in XXXX My Capital One 360 representative told me that this was not correct that in fact I paid {$100.00} in XX/XX/XXXX and XXXX the previous month and the money was sent back to my account because an employee made an error in blocking my checking account without my authorization* Eventually the block was lifted and the payment was made without me knowing anything about it the circumstances surrounding this issue* The bank reported me late twice to the 4 credit bureaus on this card even though they knew it was wrong to do so* Capital recanted the fact that I didn't pay them on time but refuses to communicate with the 4 credit bureaus to fix my credit report* This is wrong because Capital one stated to me " You need to fix your own credit '' " You need to dispute this situation and then we will correct it " I believe that since they reported and caused the situation of damage to my credit score they should correct what they did wrong '' Even though I have told them Im XXXX they don't seem to care much about the stress and damage that this has cost me with my XXXX XXXX
Product: Debt collection

I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, ( Claim number XXXX ) Claim related to account ending in XXXX. 

My name is XXXX XXXX, and I am writing to lodge a complaint against Chase Bank. I have been a loyal customer of Chase Bank for many years. However, I recently experienced a significant breach of my personal information and a hacker attack, during which nearly {$8000.00} was fraudulently withdrawn from my Chase Bank checking account via XXXX XXXX ( XXXX ) and XXXX ( XXXX ). Faced with my losses, the bank has been unable to recover or compensate me, which has left me, an elderly person, heartbroken, angry, and hopeless. 

What Happened? 

On the afternoon of XX/XX/XXXX of this year, my phone, which I had recharged with XXXX, suddenly stopped working and I couldnt make any calls, despite having already paid for that month 's service. At the time, I thought the issue was because my XXXX card was too old, so on Monday, XX/XX/XXXX, I went to XXXX 's office as soon as it opened to replace my XXXX card. The office employee asked me to pay in cash, so I went to a nearby XXXX XXXX XXXXXXXX ATM to withdraw cash. However, I was unable to withdraw even {$20.00}. Upon inquiring at the counter, I was informed that my account had been frozen because someone had been continuously withdrawing money from my checking account. I immediately reported to the bank that the withdrawals were not made by me. The bank quickly took action and was able to recover my money. 
At the same time, the same thing happened with my Chase Bank account. Both of my accounts at these banks had been compromised, and I then realized that my personal information had been stolen, and hackers had attacked my accounts. My phone number was transferred from XXXX to XXXX by criminals on XX/XX/XXXX. I was also unable to access my email account or ID.me account. A XXXX XXXX XXXXXXXX employee suggested that I change mobile service providers, so on XX/XX/XXXX, I switched my phone service to XXXX XXXX XXXX. 
The first time I reported to Chase Bank and informed them that the withdrawals were not made by me, the Chase employee told me that, because not all of my personal information had been leaked, the money could be recovered. I was very happy to hear this and provided the necessary evidence as requested by Chase. Chase quickly returned the money to my account, and I thought the matter was resolved. However, a month later, Chase Bank withdrew the same three amounts from XXXX and one amount from XXXX again from my account. When I went back to Chase to inquire, the employee said that although they believed me, their two discussions with the other party resulted in refusal to refund, citing that my information was accurate, so the money could not be recovered, and the bank was unwilling to compensate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

This is not supposed to be on my credit report, I have no loans with this company. Can you please delete this off my credit reports.
Product: Money transfer, virtual currency, or money service

Kia Motor Finance issued a check, which I never received. After calling both the dealership, XXXX XXXX Kia in XXXX Texas and the Kia hotline, it appears someone else stole the check and cashed it. Issue being, I requested an investigation and to have a copy of the cashed check sent to me with Kia refusing to assist both myself and XXXX XXXX XXXX in our investigation with the result of Kia not assisting nor sending copy of the cashed check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not approve
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 
PLEASE REMOVE THE FOLLOWING ACCOUNTS ASAP CREDIT CARD : XXXX  XXXX, XXXX  {$500.00}, OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$1000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$5000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT XXXX. 
LINE OF CREDIT : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX AUTO LOAN : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

18 U.S.C. 1029 ( A ) ( 6 ) is intended to address fraudulent " solicitation '' ( B ) selling information regarding or an application to obtain an access device. 

Third party collection furnished an account for me using my personal identifying information without my consent or valid contract. This agency is participating in soliciting activities.
Product: Checking or savings account

My parents are in the process of organizing their estate and this spring they found 6 CDs that they forgot about. One was for my brother, sister and me and the last three were for them. They have matured and are quite old. I realize the bank ( TCF Bank ) is supposed to keep them for 7 years all the while trying to contact the owners of the CDs. Not one of us was ever contacted. I have been with the bank just about my entire life and my name has not changed, so there is no way they couldn't find me. 

My siblings and I have been to different TCF branches and have all hit walls. They say they have no record and there's nothing they can do about it. Clearly, we need to change banks. I asked TCF if they could tell me who escheated these or who is a part of that department and they continually transferred me to the wrong departments, even sending me to a collection agency. I have looked into the state ( Minnesota ) to see if they have it, but there's no record of any of these 6 CDs. I've looked at Missing Money and unclaimed property. I do this every two years for the past 20 years. Our last name never comes up with either of these sites. 

CD # 1 : {$500.00}, 12 % interest, matured XXXX CD # 2 : {$500.00}, 12 % interest, matured XXXX CD # 3 : {$500.00}, 12 % interest, matured XXXX CD # 4 : {$17000.00}, 15.319 %, matured XXXX CD # 5 : {$16000.00}, 11.767 %, matured XXXX XXXX # 6 : {$17000.00}, 8.665 %, matured XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am saubmitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection account on my TRANSUNION AND XXXX XXXX credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXXXXXX SYNCBXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Bank account or service

The bank erroneously processed credit/ debit in my bank account from a merchant. They are trying to convince me that the amount cancels itself out. It looks ( according to the online ledger ) that I was refunded and then they were given the money back? The amount is for XXXX USD.
Product: Checking or savings account

I have an investment account with Sofi. Due to my bank account being compromised, I went to sofi and update my new bank account. I even called sofi to delete my old account. After multiple attempts to transfer money into my account without success, I manually entered my routing and account number. I called sofi multiple time to resolve the transferring issue, but it still didn't work. Sofi started to sold some of my stock to cover the deficit. Then a few days later, sofi liquidated my whole account positions and restricted my account. Initially I didn't know why I can't move or use my fund in the account and after many calls and run around, I was told my account was restricted. Sofi started to liquidate my account on XX/XX/XXXX and put a restriction on my fund. I called multiple time and spoke to supervisors without resolve the restriction. If sofi closed my account, they should let me withdraw my fund by either send a check to my address on file or send it to my bank account on file. They did neither of these and just held on my fund. I file a complaint with consumer bureau protection and a person contacted me XXXX days later. We have a constructive conversation, which he told me that he would unrestricted the account on the spot. On the same day, XX/XX/year> I transferred some money from Sofi to my bank and account and again it was frozen in review status. Again I called sofi, after a long conversation, the agent was able to confirm my fund would be available in XXXX business days. XXXX business days later, I checked my sofi account and it still in review status. My fund has been held by sofi for over XXXX weeks, which has caused liquidation crisis for me. I'm behind of my credit card bills and have to pay interests on loan. XXXX has been lacked in communication. They liquidated my whole positions, put a restriction my account and held my fund without alerting me. Sofi has put multiple road blocks for me to withdraw my fund. There is an inconsistency with information given by customer agents and what really occur with my account.