23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Background : I had a cheque for {$4100.00} issued to me, my wife and a 3rd party ( a medical provider ). I deposited the cheque XX/XX/2015 without any endorsements into our joint account ( wife and I ) at Chase. At the time I just didnt notice the 3rd party name on the cheque. I usually never endorse cheques anyways even when the clerk asks me to. My response is always to put whatever hold they need to on the funds. Clerk at Chase processed the cheque. Seemingly the issuing bank, XXXX XXXX, also processed the cheque and all was good until yesterday. 
Yesterday : Chase called me saying that they have received a claim against the cheque. They refused to provide any copy of the claim nor clearly state who issued the claim : XXXX XXXX, the Payer Party of the cheque or the 3rd Payee Party. They keep saying it is the 3rd party but I suspect it is XXXX on behalf of the Payor since the 3rd party is unlikely to have any business relationship with XXXX and XXXX wouldnt even give them the time of day. XXXX would only answer to the Payor entity that wrote the cheque in the first place. 
I suspect the Payor party is holding XXXX responsible for allegedly processing an allegedly improperly endorsed cheque and have asked XXXX to recover the funds. XXXX wanting to retain the business of their customer has after 1.5 years gone bank to Chase ( my bank ) to ask for the funds back. 
Chase has contacted me and informed me that they will return a third of the funds back to XXXX. I have asked them where did they come up with the figure of a XXXX. Their only explanation is since there were three parties on the cheque each one is entitled to a third. I have told them that if the claim that the cheque was improperly endorsed is valid and can be honored 1.5 years later then I would agree to them returning all the funds. I have warned that if they proceed and return only a third that would be illegal as it is not their place to decide who gets what nor are they in any position to know exactly how much of the funds the third party is entitled to or that he is even entitled to any of it. They are wanting to play judge and arbitrator. 
Questions : # 1 I need to know what the banking rules say regarding returning cheques. Can I cheque that has been cleared for a year and a half suddenly get returned? Is there a limit? They cant possibly be allowed to go back 10 years, so what do the rules say in that regard? 
# 2 if they are allowed to go back, do the rules allow a bank to request a return based on an issue ( in this case missing endorsement ) which they had ample time to process and catch the error a long time ago and did not, or decided not to, or for whatever reason they did not decide to act until a year and half has passed. 
# 3 Can a bank ( in this case my bank Chase ) process the return request ( assuming XXXX is indeed allowed to request returns even after a year and half ) by sending back only a fraction of the funds? 
Conclusion : I need to know the rules and my rights in this situation. Once I know them, I will contact you for assistance as what should happen next. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXXXXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a XXXX rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because XXXX and NCS is publishing inaccurate information on my credit reports. 
And asking NCS and XXXX  to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.
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 : DPT EDXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

please remove these address I dont recognize any of them there not mines XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

Please review, why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXXXXXX XXXX  XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Product: Debt collection

I was NEVER contacted by CBJ Credit Recovery XXXX XXXX XXXX XXXX XXXX NY XXXX main phone XXXX XXXX Office phone XXXX XXXX XXXX This company without Ever contacting me CBJ directly filed a false report to XXXX and damaged my credit score without my knowledge stating I owed them a false amount of {$130.00} The company XXXX XXXX notified me my credit score will change due to this claim being filed under my social security number. The same day XX/XX/XXXX, I called the CBJ because I did not know who they were! and found out they were representing My XXXX XXXX XXXX XXXX. I spoke with XXXX who said she was the supervisor at that location XXXX XXXX XXXX and stated she did not get paid from my XXXX my insurance company for two dates of service XX/XX/XXXX and XXXX XXXX. I immediately called XXXX twice since XXXX XXXX and XXXX XXXX to follow up and this whole incident is a lie behalf Of CBJ Credit recovery. They were paid plus they should Not file a report on my stellar credit report ever! how dare they misuse their power having my information never contacted me and in addition being paid from my insurance company continue and not clearing my credit report. They should be penalized with a fine to pay for their carelessness.
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 items : XXXX XXXX XXXX XXXX XXXXXXXX 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

Wells Fargo Card Services continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them. 
Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Debt collection

I am being charged for college tuition from XXXX XXXX XXXX XXXX, collection agency Hudson Valley. They are claiming on my credit report that I owe a total of {$3600.00} from two accounts ( {$2700.00} and {$860.00} ). I asked the collection agency to send me paperwork regarding these charges, which I did on XX/XX/2021. The bills from XXXX XXXX XXXX XXXX I received from Hudson Valley Collections shows one amount ( {$750.00} ) paid for by financial aid with a differnce of {$250.00}, and the oher amount of {$2400.00}, not matching any of the amounts reported on my credit report. I have sent multiple letters, have submitted disputs online ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ), and talked to multiple specialists at XXXX credit bureau disputing these items and the collection agency keeps saying the items are accurate. I sent a letter to the collections agency over 30 days ( XX/XX/2021 ) ago disputing the charges, pointing out that the bills received irreputably proof the items should be remove with no response from them.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

XX/XX/2024 : I received an auto loan application denial letter from Chase which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/2024 : I received a 'Welcome ' letter from Chase which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/2024 : I received a letter from Chase which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/2024 : I received a letter from Chase which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained XXXX credit reports in addition to XXXX XXXX XXXX XXXX XXXX XXXX and see Chase has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of Chase security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my Treasury Direct Acct, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.
Product: Debt collection

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 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

1. ) NCB- Is reporting on my XXXX credit report that on XX/XX/XXXXXXXX  there is a collection amount of {$13000.00} 2. ) XXXX XXXX XXXXXXXX XXXXXXXX XXXX- Is reporting on my XXXX credit report that as of XX/XX/XXXX there is a collection in the amount of {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Product: Debt collection

This company gave me false information about this account. It is also also a HIPPA violation for anyone to have your medical information without your permission
Product: Credit reporting, credit repair services, or other personal consumer reports

*** Dear to whom it may concern, My name is XXXX  XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX XXXX These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

XXXX has reported multiple inaccurate late payments after my continued efforts to work with them in the dispute process as well as staying insistent of the errors at hand they have yet to show any evidence of there claims and neither fixed the problem of late payments being reported incorrectly. I have a account affirm in which they report I missed payment in XXXX in which is not true I made the payment and have proof off my statement I also have confirmation from the company affirm verifying that I did not miss a payment and agreement was made. They have showing affirm account as a negative account on my reports even though they just completed our most recent dispute on XXXX I have not received any proof or verification of late payment I have no other choice but to go out and do the job my self this habit of theres is effecting my livelihood and chances at home approval
Product: Credit reporting

I have over XXXX credit inquiries on my credit file from companies trying to run my credit without my consent and i would like all of them removed as its hurting my chances for getting a mortgage and other credit products. I would like all of these removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear TransUnion, XXXX, XXXX  RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau