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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Chase Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Chase Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute.

Violation of 15 USC 1681 : Additionally, I believe that Chase Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system.

Violation of 12 CFR 1016.7 : Chase Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While Chase Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 
Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Chase Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Product: Vehicle loan or lease

6 months ago I got married. Since then I have tried at least half a dozen times to have my name changed. I submitted all legal documentation requested. I also requested to add my husband so he could handle things while I am away on military orders. Again, I submitted all documentation. I have never heard back. When I requested an update they became nasty. I'm having issues getting it paid due to their unwillingness to update these things and it will affect my credit.
Product: Credit card

Account XXXX XXXX XXXX XXXX I notified Experian on XX/XX/XXXX there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report have a date opened of XX/XX/XXXX, XXXX have XX/XX/XXXX, XXXX have XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This regards XXXX Equifax is using a trick to avoid responding. 

They sent an email offering information on my case. However, in order to obtain the information, I was asked to submit some simple information to identify my account I submitted the correct information but the Equifax system rejected it. I tried several times, and I am sure I entered the correct, simple, information. It comes back each time " incorrect. '' By that means they avoid responding.
Product: Checking or savings account

I received an email from Chase Bank congratulating me for opening and account which I didnt, there followed up with a second email informing me of a successful change of address/email. So I immediately contacted Chase Bank with this complaint and they took my personal information to verify. The later confirmed that my personal information was used to open an account. I did not and have never transacted business with Chase Bank. The fraud department lady said she will put a temporary hold on those accounts and sent some paperwork today after 14 days of waiting for me to complete and return with a police report. I just received this paperwork and will be doing so on the coming days. I do not know how much damage this fraud has coursed yet and will really want to know how Chase Bank could permit an account opening without any form of identification or 2 forms of mail to establish address. Chase Bank claim the account was open online but even with that, it should require some identification uploaded online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Product: Credit reporting 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. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have attempted several times to have my forbearance added back into my account as I was a student at XXXX XXXX college as well as XXXX University and therefore eligible for inschool deferment although I have sent documents to verify that I was a student Navient has not responded nor have they added back 18 months worth of in schools deferment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with Transunion when the balance is XXXX, paid in full. Also XXXX and XXXX have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Product: Money transfer, virtual currency, or money service

Removed {$87000.00} from my Roth IRA at XXXX XXXX without my knowledge, consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian my FTC report along with my PA ID for identity verification. I have fraudulent accounts reporting on my consumer report. As a result of identity theft.
Product: Debt collection

Back in XXXX an account was opened in my name through Navy Federal with a credit line of XXXX. During that time I knew that I was applicable of even opening an account through Navy Fed due to the requirements needed and how my credits wasnt up to par if even receiving a XXXX credit limit. Now in XXXX my checks are being garnished due to be forced to pay off this debt. Its to the point where its interfering with me paying my bills and I just want it to end. I want to know what documents do they have that can prove that I authorized this account without talking to anyone in person and I also want to see if I may have a lawsuit on my hands.
Product: Debt collection

as of XX/XX/2018 XXXX XXXX/equifax is reporting a collection account with XXXX XXXX for {$680.00}, I asked XXXX XXXX to remove this account, because I do not owe this company and never did, XXXX XXXX stated that it can not be removed, only equifax can do that, XXXX XXXX reports what ever equifax report to XXXX XXXX, no questions is it correct or not, what makes this realy wrong equifax will not take a dispute about XXXX XXXX, the last complaint I made a person with the name XXXX complaint # XXXX about the collection.this same account has been in and out of my credit report with equifax only.
Product: Checking or savings account

Bank : East West Bank APP name : XXXX I would like to write you about service fees which the bank charged from my account. It is unfair and unreasonable. And I am kindly asking back this service fee back which were charged from my account. From XX/XX/XXXX to XX/XX/XXXX, full service fees are XXXX Dollars. 

One of the most important reasons is : there is no clear Clarification and Notification from bank official website about how to calculate the average monthly account balance, which misleads customers. I put XXXX Dollars on the account, but still charge the service fee every month XXXX Dollars with 13 months. 

What people on bank website could find is only " XXXX XXXX monthly account management fee. The monthly account administration fee is waived for meeting the {$2500.00} average monthly account balance or the {$10000.00} combined monthly average balance of all deposit accounts. 

There is no other related information about how to calculate the average monthly account balance, even without any NOTIFICATION. This confuses and misleads customers. 

Here I would like to explain why the NOTIFICATION is necessary, and why this misleads customers. 
After chatting with your customer service online. The way to calculate the average balance is really complicated. 
I asked customer service : HOW TO ACHIEVE XXXX SERVICE FEE THIS MONTH. The answer is : Now my average balance is {$2200.00} .If I want to achieve XXXX service fee this month, in XXXX XXXX I should deposit {$3900.00}, or in XXXX XXXX I should deposit {$4400.00} and keep it in my account till end of the month. 
We could see that every day deposit amount is so different. Therefore, it is NECESSARY to write a detailed calculation method on bank website. 

Because of the lack of necessary explanation, clarification and notification of such complicated calculation methods of average balance, which misleads and even cheats customers. The bank charged from me XXXX Dollars. It is unfair and unacceptable. I kindly ask to pay me back about these mentioned fees. 

As a customer, we do not exactly understand how the rule works. And only understand there will be no service fee when account balance is {$2500.00}. And I put in XX/XX/XXXX {$6600.00} in this account, and in XX/XX/XXXX still XXXX Dollars in the account until today. But still your bank charges the service fees, every month {$25.00}. And this cost all because of the lack of any notification of such complicated average balance. How to explain the AVERAGE BALANCE there is always no explanation on your website. 

Here is the web page which the customer servicer sent me. 

XXXX XXXX XXXX No clarification and notification about how to achieve the XXXX service fee. I put XXXX Dollars on that account still charged the fee every month, and now it is 13 months already. It was XXXX Dollars. 

Kindly ask help from ConsumerFinance. Thank you so much.
Product: Debt collection

This company calls my cellphone atleast 4 times a day. They begin at XXXX and don't stop until XXXX XXXX.
Product: Debt collection

I had insurance coverage through XXXX separate federal entities and I do not understand how I have a debt with this company. When I called this company to verify my concerns they gave me a number to another company that the debt was sold to because they do not deal with the company that managed their billing anymore. I was unsuccessful contacting anyone at the phone number given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2300.00} Reported balance SYNCB/SYNCHRONY MC Account should be at {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX
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. 

Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXXXXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Product: Checking or savings account

USBank is engaging in a reprehensible practices were generate excessive fees. My direct deposits is transmitted to USBank at XXXX around the XXXX of the month .Said company do not make funds available til after XXXX XXXX only after fees has been excessed to what ever checks are debits came in and still on hold. Its always have perplex me on this practices, in legations said company has found guilty of overcharging there customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block 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. Here is the account of which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

XXXX refuses to investigate fraudulent and inaccurate information on my credit report. They are in violation of the FCRA. I have tried to dispute these items online to no avail.
Product: Debt collection

I pulled my credit report and noticed that I had XXXX XXXX a debt collector with that attempt to collect a debt for the amount that was not owed. I did ask for them to provide the original contract evidence or proof of the alleged debt that, including dates its as well as contracts or instrument bearing my signature. I have not received anything from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems has put a collection account from XXXX in my XXXX credit report which is not my account. This is the third time they have done this and i had to complain to the XXXX to get it removed which sid happen now i want this account removed from my credit report this is fraud. I also believe this company needs to be investigated about their business practices
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$810.00}
Product: Credit card

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.