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

This concerns Chase Bank New York with whom I have had accounts with for many years after my XXXX  XXXX accounts, which were opened in XXXX, were transferred to Chase. 

When I tried to send money to my daughter 's Chase account for her birthday my access was shut down due to " suspicious activity ''. 

That was 2 years ago and I've called them at least 20 times on various numbers to no avail. I got a letter by post saying that as I hadn't made any deposits they might close my account and confiscate my money. 

The dates are from XX/XX/XXXX to now. The total amount of money in my checking and savings accounts is about {$7000.00}. Whenever I try to access my accounts it says access denied due to suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX. Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX EQUIFAX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on Equifax & nothing reported at all on XXXX  at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2. PAYMENT STATUS How can I be late 120 days on XXXX and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF ED/XXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX 2.  INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX EQUIFAX SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ 2024, i looked at my report. I sent a letter to Experian, XXXX, And XXXX. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian, XXXX, XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Mortgage

Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Equifax. Here is my XXXX XXXX XXXX article # XXXX & XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Product: Credit reporting or other personal consumer reports

I send to navy federal that I am opting out as per the Privacy Act and it was denied that I am unable to do so. Which goes against the laws that states I have the right to choose who and how my private information is shared Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Product: Checking or savings account

Last week I figured out my bank account was frozen by Chase bank after I deposited my first pay check from my new employer which is a very well known name company. They never called to notify or anything. I've been their customer for 10 years. I made the call to find out what happen. Chase informed me they restricted my account due to the check being flagged and now they need to verify with the sender of the check and my employer within 10 days or the account would be closed and all of my funds from the check will be kept by them. This happened after the check had cleared and I had actually made several transactions to pay off all my credit card balances and put money in my stock accounts. Due to them freezing the account they reversed all of these transactions which led to my credit score dropping several points, high interest payments that would of been paid had the transactions been able to finish, forced to liquidate some of my stocks due to transactions being reversed, gym membership and car insurance threating to cancel due to automatic payments not going through. Also I had to loose several days of work going back and forth with Chase both over the phone and in person at local branches. They tell me they need to verify verbally through a registered number from my employer and they will not accept any other way. I've tryed this with them so many times but the number they have to use takes them to voicemail, and the payroll numbers I've tryed to give them to verify with the department that sent the check they say is not registered numbers so they will not accept it as verification. I've been going back and forth between my employer and Chase to try and fix this extremely urgent issue but they just will not be reasonable in any way shape or form. I cant even pay my rent, all of the money I have was from that paycheck. This is a horrible bank that has caused me high levels of stress, caused me to loose even more money by the day, and lost of sleep.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I have a few things on my file that are not correct. I am having issues with the following addresses that are not correct please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like to request a new credit report as well so I can go over the remaining items and check for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed TransUnion a dispute letter on ( XX/XX/2021 ) regarding some inaccurate/ incomplete/ unverified data that is being furnished on my credit report, they have failed to respond with in 30 days and I sent out a second letter on ( XX/XX/2021 ) stating they have ignored my previous request. they have not yet responded
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing this letter to dispute an error in the reporting of my credit score. It has come to my attention that on two ( 2 ) credit card accounts I am designated as joint account, this is an error for the following reasons : I am only an authorized user ; not a co-signer. 
The accounts in reference were opened 2 years prior to my addition to the accounts and at no point in time did I open a new joint account. 
I have never used the accounts assigned to me, nor incurred any debt to the accounts aforementioned. 
I never signed any paperwork nor presented myself physically in front of any crediting party to sign and be part of joint account. 
I was added via telephone by the sole debtor and I consider these actions to be fraud and misuse of my name for malicious purposes. 
With the aforementioned reasons I request that a correction be issued on my credit reporting to reflect me as an authorized user. Anything deviating from this fact is incorrect and should be considered fraud and a misrepresentation of my credit abilities. I have filed a police report for fraud in regards to this matter and can provide additional supporting evidence upon request. 
I sincerely appreciate an immediate investigation into this matter and a response in regards of those findings. This is a serious matter that requires your attention at the earliest convenience
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
Product: Checking or savings account

I am a joint owner on my mother 's checking and savings accounts with Capital One. The accounts were locked by Capital One on XX/XX/2023 after I notified them my mother had passed away. 

On XX/XX/2023 I submitted the required documents ( notarized Letter of Instruction, death certificate ), I did not received any response until XXXX/XXXX/XXXX  when the Letters Testamentary were requested. I submitted the court document I received showing I am the executor of the estate and the personal representative for probate on XX/XX/2023. 

On XX/XX/2023 Capital One requested executor documents again, I responded asking what specifically I need to submit, I have sent everything they requested. These are also the same documents I used to close all other accounts for my mother with her other banks. They responded they would need to speak with their legal department. 

It is now XX/XX/2023, I have not received any additional response from Capital one. When I call customer service I am told the estate department does not have a phone number, only email. They do not respond to email. Currently they are holding all money in the account and will not allow access or closure of the account. I can not get in touch with anyone at the bank.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681n civil liability for willful non-compliance with these accounts 15 U.S.C 1681o civil liability for negligence non-compliance with these accounts 15 U.S.C 1681e compliance procedures with these accounts 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 FCRA section 604 ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of.

15 U.S.C 1681S-2 Inaccurate reporting by all these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX Account xxxxxxxx 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.
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 # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX  XXXX/Account XXXX and XXXX XXXX XXXXXXXX/ Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Equifax has done nothing to change this. I dispute these accounts 4 times and still got no change. Equifax say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.
Product: Debt collection

Professional Credit Management Is the debt collector for XXXX XXXX XXXX XXXX in XXXX Arkansas. They are attempting to collect a debt of less than {$100.00} x XXXX. The hospital is aware that I have XXXX insurance policies. XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is XXXX XXXXXXXX. The last is XXXX XXXX XXXX. The hospital was notified that the XXXX is the primary but they still always claim the XXXX XXXX XXXX XXXX XXXX because it pays the most etc. They are breaking the law by picking and choosing which is best for them. They have put items on my credit report and causing me not to be able to use my credit. They need to delete their records on my credit and they should have to pay for their mistake