23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a Chase representative ( XXXX ). This number is actually a Chase fraud number, and I was tricked into believing that the person on the other line was actually a Chase representative. The person provided me a name and an employee ID number and notified me that my XXXX account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my XXXX account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from Chase. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to XXXX money to myself using my phone number to my phone number. To be more clear, I was using XXXX to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my Chase and XXXX acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to Chase 's answering machine, so I knew this was a Chase verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual Chase number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from Chase that my disputed funds were not approved and that I would not be receiving my money back. This is despite the fact that my account was clearly hacked. I have already contacted XXXX recently through this consumer complaint form, however they have directly stated that it is up to the " bank or credit union and their terms and conditions with their users regarding reimbursement of any payments made ''. As a result, I believe that Chase needs to act on this and help return my money.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Debt collection

Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted.
Product: Checking or savings account

I received in the mail today 2 letters from Wells Fargo. One had a debit card and the other a PIN. I also received a welcome package from XXXX XXXX with checks and deposit slips. Luckily, both were sent to me and I am able to report it. I called both Financial Institutions and reported that I had not opened either of these accounts. 

Wells Fargo confirmed that there was no activity on the account. XXXX XXXX  rep could not confirm since they are not allowed to view that in that department. The XXXX  account seems to have been opened XX/XX/2021. 

I also asked for a fraud alert from XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I am trying to use my American Express XXXX card to make purchases on XXXX but they continue to block the charges rendering the card essentially worthless. It took me XXXX attempts to get a XXXX transaction to go through before I was blocked from using the remaining XXXX on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I received a letter from the mortgage company who services my loan that they are requiring me to lower my deductible on my H06 home policy that met the requirements when my Broker closed my loan that they bought and only now when they bungled the renewal by only calling the insurance company once for the renewal when I have an impounded account, that the deductible doesnt meet there policies! Nothing changed it is the same policy and coverage that they purchased the loan with and I have signed nothing that says it has to meet their policy. That is between them and the broker. If they bought the loan they agreed to what was in the loan including the insurance and deductible. So not only would that increase my premium but could jeopardize my multi-policy discounts. They are not listening to me and are threatening to put their own insurance on my property. I have worked in the mortgage industry for 34  years and have had multiple personal mortgages and have never had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions or consent. Provide proof of written consent to furnish this account per 15 U.S.C 1681 Section 604 A Section 2 or delete the account from the credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have not been getting my statements despite ELAN financial telling me I am enrolled in online statements. For the last three months, I've called them and they tell me I am enrolled and to check my spam folder, neither offering to assist me in making payments, or reversing fees. I have been reported to credit agencies as late despite telling them verbally I have not received notification payment is due. Each time I call them I remit payment in full. The Bank knows I make attempts to pay but does not do their due diligence in ensuring I have my paperwork to pay.
Product: Credit reporting or other personal consumer reports

On Friday XXXX XXXX XXXX  around XXXX the company refused to say given name. I entered the Experian.com web domain and entered social security number into credit website for the site to return with nothing and prompt I to enter my name manually which would void my social security number I entered with given name from XXXX authorities. XXXX XXXXXXXX chose not to say name, withheld data, and attempted to give me another name with shortened initials.I was denied finance from website and contact with an authority to use given XXXX credit from given initials XXXX. I am a US citizen and you don't have information on me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX  ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX XXXX Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Experian continues to unlawfully report fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information. I have attached a copy of an FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud, and an official police report.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items
Product: Vehicle loan or lease

Origination of the loan was XX/XX/XXXX. After being in a bad car accident XX/XX/XXXX I fell behind on payments _2.5months worth ( and I explained my situation and submitted documents regarding my car accident ). My car was then repossessed the same day I received notice in the mail. The notice stated we had until XX/XX/XXXX to retrieve before the car goes up for auction. My car was retrieved XX/XX/XXXX from the impound lot and my payments have been up to date since. Fast forward to XX/XX/XXXX, attempted to register the car and the PA DMV states the title was transferred to VA address on XX/XX/XXXX. I was in possess of the vehicle when the switch to the title was made. I reached out to TD Auto Finance and was told by one of the reps that the switch was done in error and that my account stated do not process because I was in possession of the car. I then reached back out to PA DMV and they stated that this is done quite frequently ; and unfortunately the registration can not be renewed if the info is incorrect. Contacted TD Auto Finance several times but to no avail. I then submitted a complaint with XXXX  and approx. 2months later the process started moving ( approx. XX/XX/XXXX ). I spoke to TD Auto Finance again in XX/XX/XXXX asking them how much longer would it take to correct the title info, because I have been paying a car note for a car I can not drive due to expired registration ( 3 months now ). I asked if I would get some form of credit or compensation because of this and was said no. Summarizing what was said to me, I was told because it was once re'poed there is really nothing they can do. 
When the car was repossessed I paid over {$2800.00} in past balances, repo fees, processing fees, and reinstating fees. After paying all that money out I believed my car was my car again. To learn that the title was flipped after I retrieved the car and paid my due seems unfair.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Debt collection

I received a notice in the mail on XX/XX/XXXX from Online Information Services indicating I owed XXXX to XXXX XXXX. I have locked my credit and created an ID theft notice as of XX/XX/XXXX due to the fact many utility accounts were opened in my name in Texas. I have reported at least 5 utility collections in the last 5 months. 

After calling Online Information Services to dispute they indicated I had to enter a complaint with the FTC and send it to XXXX along with a police report. They also indicated they could not provide me any proof of my dispute via mail, email, or a case number. However, they did indicate they would mark it as disputed. They also indicated only XXXX could resolve the collection.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of XXXX 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

-- - XXXX  XXXX XXXX # XXXX -- -
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

The following hard Inquiries on my credit report Im unaware of ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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   In XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Checking or savings account

From the moment I tried making my first deposit received nothing but the run around. Came through to get {$500.00} out in the drive thru had to come inside. XXXX was XXXX people deep and decided to close account and withdraw my $ XXXX. Was told they didnt have enough cash to give me, and could do a cashiers check. Been waiting for over and hour and XXXX min to get it done. Provided license and a credit card along with phone with text message verified by bank. 

Have had nothing but problems. Holds on checks. Couldnt wire funds. No assistance at banks but at XXXX XXXX. Had to go inside the bank again to get my account unlocked. Had this account less than a month. 

Banks should not be able to hold your funds. This bank at XXXX XXXX XXXX XXXX, XXXX FL said they didnt have the funds to give me. Then how are they doing business? Why would I need to wait to get my money. This bank should be shut completely down. How many people are they taking advantage of?