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

On Thursday XX/XX/XXXX, I received a text massage. It said " Chase online : we have blocked your access temporarily as we noticed unusual activity. Please immediately visit XXXX within 24 hours ''. I clicked the link and it asked me for my credit card #, debit card #, pin #, username, password, mother 's maiden name, full SSN and date of birth. 
On the following day Friday XX/XX/XXXX, in the afternoon my phone suddenly stopped working. I received an email from XXXX XXXX  saying that my device has been changed. This is when I felt something wasn't right. I opened my Chase app and found out someone has transferred money from my saving account to my checking account for the amount of {$17000.00} and then from my checking account to XXXX XXXX XXXX for the total amount of {$23000.00}. 
In my Chase app security center, I can see that person was using XXXX  XXXX XXXX to make the transaction. 
His activities XX/XX/2021 at XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  ET. 
As soon as I found out, I went to Chase Bank. I talked to teller and she said I have to call customer service to report it which I did using my wife 's XXXX.i also called XXXX XXXX and found out that someone has swapped my XXXX card d was finally able to get my number back. 
On Monday XX/XX/XXXX, I came back to bank to follow up. The banker lady helped me call directly to fraud department. She said I will remain dispute package in XXXX business day. After more than 2 weeks, On Tuesday XX/XX/XXXX, I finally received the letter saying that I need to provide more information such as police report and affidavit of unauthorized signature. The next day on Wednesday XX/XX/XXXX, I went to police station to file a police report. I received my copy of police report on Tuesday XX/XX/XXXX. 
Next day on XX/XX/XXXX, I submit all police report and affidavit at Chase bank. 
After about 2 weeks later, I called Chase claim department to follow up. She said It would take about 90 days. Next week I called again, he said my case has not been reopened. He would send my case to escalation team. Next week I called he said the case is still pending. Next week I called again and still pending. 
On Wednesday XX/XX/XXXX, I got an email from Chase saying my claim has been denied and my account has been closed. On that email also said I may benefited from this fraud. That is not true. 
Next day I called talked to supervisor. She said is denied because I am the one who gave all the information to the scammer. Therefore, I will not get my money back. I told her if I knew this was a scam, I wouldn't have clicked that link. I also told her I reported immediately after I found out there was an unauthorized wire transfer.she said it doesn't matter how long you reported it. You're the one who give the information to scammer. So, basically it's all my fault. I think Chase decision is wrong. Please help! I'm desperate to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. CONVERGENT OUTSOURCING XXXX, XXXX XXXX XXXX, XX/XX/18, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. INQUIRIES XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. THIS INFORMATION DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights to privacy and confidentially under 15 USC1681. 

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, Ha 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 my written instructions.

15 U.S.C 1681c. ( a ) ( 50 Section States : No consumer reporting agency may make any consumer reporting 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 several 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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XX/XX/XXXX and no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 - Tuition Answer loans with XXXX. All loans are reported correctly with the other credit reporting agencies, except to TransUnion, only 1 of the 3 loans are reported on my TransUnion credit report. I have contacted TransUnion by phone who insists it is up to XXXX to report the loans. I have contacted XXXX through disputes and phone calls, who insists TransUnion has to change this on my credit report. Both of these loans missing from my credit report have outstanding balances which I make payment on every month. 

My TransUnion Credit report is not reporting 2 of my 3 Navient loans which are in good standing, one of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. 

Please help! 

Thank you, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I paid {$3600.00} to XXXX XXXX XXXX in XXXX, OK for automotive work, namely fixing misfires on the engine in my vehicle. 
By XXXX, the misfires had return. I attempted to have the vehicle repaired under warranty, but local dealerships declined to fix the issue. 
I attempted to receive a refund from the XXXX XXXX XXXX, but they declined. 
On XX/XX/year>, I filed a dispute on the charge with Citi. They asked for more information and evidence, which I provided on XXXX evidence included a second opinion from an expert, in this case XXXX 's XXXX in XXXX, MD, which looked at my vehicle stated on the receipt that I had been charged for " incomplete engine work. '' On XX/XX/year>, their dispute team decided I was liable for the charge. According to the letter they sent : " With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. '' On XX/XX/year>, I called to ask how Citi came to this conclusion, as I had provided a second opinion from an expert that clearly stated I was charged for work not completed, and the document featured the signature of a manager at the shop. They asked for a narrative of the events, which I provided via email on XX/XX/year>. 
On XX/XX/year>, Citi responded that " We have reviewed all the documents pertaining to your dispute with the merchant. Unfortunately, we have no options available to assist you in obtaining the credit you desire for your account. '' Since then, I have repeatedly called Citi to attempt to find a path forward. I have asked how they denied my dispute on reasoning that contradicts evidence they received. Citi employees have admitted a clear mistake on behalf of the investigations dispute team. They have promised to investigate further, to provide me with more information and to call me and keep me updated. None of this occurred. 
On XX/XX/year>, Citi wrote to me that " A review of the documentation you supplied shows you received the services. Your dispute is about the quality of the services. Since you received the services, the merchant must be paid. We have no grounds to assist with this type of dispute. '' XXXX XXXX XXXX 's receipt says their tech was meant to repair misfires in the engine. The misfires returned and the evidence I have provided Citi 's dispute team shows " incomplete engine work, '' which means I paid for services I did not receive. This suggests a dismissal of provided evidence, or ignorance of said evidence. 
To further complicate this issue, Citi does not allow its customers, or even its own team members, to know the contact information for its dispute investigation team. Through my numerous calls with Citi, no one has been able to find their contact information to allow me to speak with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : 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
Product: Checking or savings account

Unable to open a bank account with PNC, even though I was a longstanding member of said institution. Please, I would like to open an account and believe I am entitled to. I tried to open an account but was flagged due to XXXX XXXX XXXX I spoke to representatives of XXXX  and PNC and was informed that I would not be able to open a bank account for a reason unbeknownst to me. I am no longer able to have an account at any institution and believe I am entitled to at least XXXX. Please reach out and help me get this resolved. Consumer # : XXXX
Product: Debt collection

" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace  's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.
Product: Credit reporting or other personal consumer reports

Ive been a victim of an identified thief for over one year and I see some information or inquiries I dont make. I need these hard inquiries removed as were not authorized by me Name Requested On Name Requested On XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THESE ACCOUNT WERE NEVER LATE. FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my previous report. XXXX StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$7.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24 my cashapp account was compromised and {$20000.00} was stolen from me my credentials was changed so I couldn't access the account at all cashapp refunded the {$20000.00} in my favor back to the account that was compromised so the refund was stolen on XX/XX/24 cashapp granted me access to the account XX/XX/24 so it's not possible for me to have gotten the refund now cashapp doesn't want to refund me again but it's a mistake they made if you can help I'll appreciate it thanks
Product: Payday loan, title loan, or personal loan

I bank with PNC. They have restricted XXXX from linking my bank account. I depend on apps like these during this pandemic to help keep me afloat with payments and to emergency expenses. Apps like XXXX lend you between $ 75- {$600.00} until your next payday. Please allow this app to connect with banks.