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. 
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 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.

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. 

The following inquiries were also opened under my social security number fraudulently as well. 

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: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX  - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Checking or savings account

On XX/XX/XXXX, I get back to too back phone calls from my bank, but the claim they dont call people then I proceeded to answer this phone call. I answer this phone Call remind you I am at work in XXXX Arizona. The person on the other line did everything that chime does ask for my name and last for of my social so I did what they ask the person on the other line see you tell me that someone was trying to break into my account that we needed to follow some steps to make sure they didnt get into my account I said thats fine so they did what they did. ask me a few questions and then I got off the phone with them when I got off the phone with them. XXXX minutes later I checked my bank account and my money is gone, so I called them back talk to some lady on the phone and she tells me they couldnt do nothing until after the transactions werent pending no more to call back after they got done painting so the next day which is XXXX, XX/XX/XXXX around XXXX the transaction werent longer pending so I deal with the lady said and disputed the charges within an hour. After disputing charges I could email from them saying there was no error that my phones will not be given back to me so I called them back. They told me they were re-open the case and I will look into it. I said OK within an hour of getting off the phone with them. I get another email saying no error has been found. No refunds will give them back to you. So I called them back when over everything again the agent told me that something doesnt look right and the well put special note. Got off the phone and with a hour got another email say no error has happened and no refund well be given, so I called them back at this point its XXXX XXXX  on XX/XX/XXXX talk to another agent and he proceeds to tell me to send documents proving my statements so I did sent documents of the call. Log the text message of me, refusing these transactions and my paystub showing that I was in Arizona at the time and date. Then within hours got another email say no error was found, called them back went through each documents with a supervisor of the dispute team her name was XXXX and she said it looks like fraud. That she would put in special note in my case. I get off the phone with her at XXXX XXXX  at XXXX XXXX  get another email say no error has happened so no refund well be given. So called them back they went through the same thing and the opened my claim again and to write a email to the support time stating my claim that what I did with in a hour got same email. These people took XXXX transactions happened in XXXX Florida  well I was in XXXX az and like I explain to the people one of the charges were at a gas station, so how can I physically be in XXXX Florida making a purchase at a gas station with my card that I have on hand I am in XXXX Arizona.
Product: Money transfer, virtual currency, or money service

I can't give the exact days because Cash App had closed my account and blocked me so I can no longer access any of my transaction history. I had over XXXX XXXX dollars stolen from my cash app through fraud and never received a XXXX  in return.
Product: Money transfer, virtual currency, or money service

Payment method : Chase XXXX I sent this person {$2000.00} ( {$500.00} each time, 4 times, from XXXX ) by Chase XXXX XXXX purchase an used XXXX Bag on an APP called XXXX ( similar as XXXX ) XXXX But it turned out she gave me an tracking number, which I confirmed with XXXX, it was a package from XXXX, instead of personal package. And because this package was delivery to an different address instead of the one I provide to her, I received nothing. 

I told with this person, she insist the tracking number was correct and refuse to refund. 

I am very willing to provide all evidence.
Product: Mortgage

My original loan was sold to a new company who doubled my interest rate which in turn doubled my monthly payment to an amount I can no longer afford.
Product: Credit reporting or other personal consumer reports

I have recently disputed an account with EXPERIAN connected to XXXX XXXX This account has been disputed but it still remains inaccurate. EXPERIAN is in violation of the FCRA 15 USC 1681e ( b ) compliance procedures. Consumer reporting agencies are required to ensure maximum possible accuracy of credit reports. The account I disputed in XX/XX/2024 is still inaccurate.
Product: Checking or savings account

I deposited through Chase Bank mobile app 3 checks on XX/XX/. Each check was {$500.00} for a total of {$1500.00}. I waited for about a week and the funds were already taken out from the check writer 's bank account. Chase cleared the deposit and my balance was {$1500.00} plus a direct deposit from my employer for {$140.00}. On XX/XX/, I got a text notification from Chase that my balance was {$0.00}. I called Chase and was told that they closed my account and yet I was not even notified. They told me they will keep my account open as long as they could call the check writers who are my parents. They talked to my dad and told me the checks will be released from hold in 5-7 business days. I've kept waiting and yet still no funds. I called them again and they told me the numbers I provided were not registered, they never told me that the first time. The third time I called, they told me I need to have my parents contact their bank to make a claim with Chase to get that money back. The FOURTH time I called, they told me my parents need to call their cell phone providers to make sure the numbers are registered. They called XXXX XXXX and those numbers were registered in their name. I went to the branch yesterday on XX/XX/XXXX  to have the banker help me, the person on the phone kept on saying that their system can not verify my parents number. I am at the dead end, Im a XXXX  and I need those funds to help with tuition and expenses. XXXX  said the phone numbers are registered but Chase said they're not. It has been almost 3 months.
Product: Consumer Loan

I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.
Product: Money transfer, virtual currency, or money service

My husband and I were in the process of buying our first home. Someone posed as our escrow officer of XXXX XXXX XXXX and emailed me wiring instructions which I took to XXXX XXXX XXXX XXXX. {$20.00}, XXXX was wired to a fraudulent account at Wells Fargo Bank. On XX/XX/2017 I found out that my money never made it to the actual XXXX XXXX XXXX. On XX/XX/2017 I was told that my money was still at Wells Fargo in the account I wired to, however, Wells Fargo had frozen the account and will not release the founds at this point with out the owner of the account 's approval which the whole process was a fraud. It is a fraudulent account. XXXX XXXX XXXX XXXX has done two recalls of funds, however, wells Fargo refuses to return the money knowing that everything was a fraud.
Product: Mortgage

Both parents are deceased. Current death was my father XX/XX/2021. Gave death certificate to Chase bank XXXX XX/XX/XXXX. Asked if he had any other business at bank and they refused to give me info. now 1 yr later they summoned me with a suit to sue because of non-payment to an acct I had no knowledge to or wasn't authorized to get info back then. now that it is in foreclosure processing they want me to talk to me. funny how they are given me authorization now... .my name has always been on the death certificate. this could have been prevented and now I incurred all kinds of fees and a Chase bank rep told me that I can assume the loan. I asked the Chase bank rep if I can get more time before it was sold to look into this to see what I could do and he insisted on pushing to complete the assumption loan. after a few calls, a different Chase bank rep told me to suspend Foreclosure I can exercise the Covid 19 assistance for 18 months. turns out it was 12 but it helps. I called the rep that was pushing the assumption and told him what I had found out and I exercised the Covid 19 assistance with the 2nd rep. He immediately went into defense and said, " I told you that too! '' I complained about the 1st Chase rep and they did an internal investigation and found out that he never said anything about this knowing that I inquired about how to stop or suspend the foreclosure process. Chase bank resolution is " he will receive more training. '' Well, he definitely violated the Dodds-Frank Act by withholding info to assist me and this resolution they came up with isn't enough. I am stressed over these actions, I am no longer trusting Chase bank representatives and I am stressed and can not sleep or function right because of this. This has caused me mental stress and I can not find an attorney to call back or back me up regarding this matter in the state of Indiana. This law suit is reflecting on my records and causing others to proceed with suit because they have notified them. They are listed on the summons. Chase bank unfair and deceptive ways from the 1st representative should be illegal. The rep that reported the resolution to me said that she works with the individual that was not in compliant. I asked if all fails, can I negotiate for a lower payment since this is not my debt. She said Chase bank will not do so. I ask was she one of the deciding factors, she said " NO ''. Then she proceeded to question what other actions were I expecting to take with Chase bank which was strange and she asked what did I want them to do other than give the rep training. This whole thing is stressing me out.
Product: Debt collection

Dear ACS ; XXXX XXXX, Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Bank account or service

I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.
Product: Credit card or prepaid card

General Chase Business Credit Card branded for Southwest Airlines Problem 1 ) Found out on XX/XX/XXXX, that the card is showing as a " personal '' card under a personal social security number rather than the business EIN that was given when the card was applied for in XX/XX/XXXX, per XXXX XXXX in Central Ops Service Center for JP Morgan-Chase Problem 2 ) Updated business email online on XX/XX/XXXX due to an email change for the business. Received two email confirmations of the email change. Email confirmations were sent to the correct new email. On XX/XX/XXXX, received an email notification that our statement was ready but it went to the OLD business email that had been removed online from the account. 

Problem 3 ) A personal email keeps showing up on our account online that was NEVER typed in or authorized for use with this business credit card. After four phone calls with Chase and multiple conversations, no one at Chase is able to permanently remove the unauthorized email. Additionally, more than one person specified that they have seen this before where personal contact information gets pulled into a business account without authorization. They do not know how to fix.

Problem 3 ) This is not the first time, or first Chase credit card, were we have had this problem. Chase has never been able to resolve these problems in the past. In addition, they sent us letters claiming a resolution which have all been inaccurate and blatant lies. We believe Chase needs to have their data systems audited for security issues. When data just shows up in online profiles that was never entered by the credit card user or Chase support, and the changes have occurred with the card user and a Chase research person watching the system and witnessing the change with no explanation able to be given, then there is a HUGE problem. It should scare anyone working with an online Chase profile.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.
Product: Credit card

Letter sent with no response To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX SS : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it may concern, On XX/XX/XXXX, I called Capitol One Cards as missing and requested an email link to provide Capitol One with documentation listing what charges I recognized or didnt but have not received that email. Ive been waiting a week or so to receive a portal or email notification from Capital One so I can upload documents but Ive received zero communication. So, in a last-ditch effort to resolve the matter this morning, I called your offices five times at XXXX but your automated machine would not let me through. At this point in time, it appears Capital One has blocked my ability to access your customer service phone line to report unknown charges on my cards and theres nowhere to upload supporting documents on your website so I am overnighting the documents to the address listed on your website. 
Potentially Negative Removal Requests : 1. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 2. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 3. Card NoXXXX XX/XX/XXXX Reviewed 4 Pages 4. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 5. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 6. Card No.XXXX XX/XX/XXXX XXXX 6 Pages 7. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 8. Card No.XXXX XX/XX/XXXX Reviewed 10 Pages Once again, I am notifying you that my cards ending in XXXX and XXXX have not been in my possession since early XX/XX/XXXX as clearly indicated on the attached documents. Please review the attached documents and advise me in the next steps to remove all unknown charges and one late fee. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 & 12 USC Sections, which require your compliance with the law. 
Let me know if you need any additional information to verify my identity and remove these unknown charges. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am receiving letters advising I owe this debt. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me 6-7 years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXXXXXX XXXX  Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all 3 credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for 20 years.