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

On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.
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 : # XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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: Student loan

I got my loan through Sallie Mae, it was then bought by Navient. I paid my loans out. I received a letter saying it was paid. Done. Then two years later, Navient sent me two letters saying I still owe {$500.00} after interest. I paid my loan off. Now theyre claiming I still owe.
Product: Credit reporting or other personal consumer reports

This is my 12th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wakefield and Associates has violated my HIPPA rights numerous times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # 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 a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXXXXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXXi never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, Equifax I filed disputes online, XXXX saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right
Product: Consumer Loan

Back in XXXX 2016 I purchased a new vehicle ( XXXX XXXX ) from XXXX XXXX in XXXX FL. I do n't purchase vehicles on a regular basis so I, like most other consumers are not aware of the car business. The dealer ENCOURAGED me to take a savings in the form of a lease. However, they never told me that I could not sell the vehicle, trade the vehicle or refinance the vehicle when the vehicle is leased. I was under the impression that I had the same flexibility as if the vehicle was financed via traditional means. 
I was greatly surprised when I attempted to refinance my truck only to be told I could not because it was a lease. I was also surprised when I attempted to trade my truck and was told I could not unless I paid the dealer {$13000.00} to take the truck. I think car dealerships should be required to inform customers of these facts instead of leading customers to believe something else just so they ( dealerships ) can meet a sales quota. There should be some law to protect the consumers from dealer price gouging. 
I would like to have my truck financed traditionally so I will have the flexibility to sell, trade, or refinance if I so desire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Chase filed a dispute on XX/XX/XXXX without my knowledge, consent or approval to do so. Upon me being notified I called Chase to confirm that I did not file a dispute against the merchant. 
Prior to XX/XX/XXXX the merchant in question sent documents to Chase with disparaging legal documents and called in on me which caused Chase to decrease my credit limit suddenly. Which was a substantial amount decrease that has adversely negatively affected my credit score to this present day. 
The merchant sent documents to Chase regarding a Dispute that I did not authorize. I requested the documents and Chase Bank sent the documents to me from the merchant. However, the documents do not have any date or time the documents were sent. Nor is there a date or time when the documents were sent to Chase Bank. I have sent Chase Bank three emails since XX/XX/XXXX to present and Chase Bank have not responded or provided the information, I requested multiple times. I seem to be treated very differently by Chase Bank since these disparaging documents has been sent to Chase Bank. But Chase is not given the date or time when the documents were sent to the bank. 
The merchant claims to have won the dispute. But Im not sure how the Merchant claims to have won a dispute in their favor when I did not Dispute the charge against them in the first place. Despite not receiving the service for which I have paid for. I really need to know what is going on and Im being ignored by chase and not being provided an explanation regarding this matter. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. None of these issues above apply to me. 
1. I have never ever missed a payment on any account.

2. I pay off more than the amount owed every month 3. I have never asked or requested a deferred payment plan. 
4. I paid off 10 thousand dollars in XX/XX/XXXX. 
5. My credit limit was 30 thousand dollars for almost 10 years. 
6. Chase deceased my credit limit from 30 thousand to XXXX. 
7. My previous balance was 23,000 before I paid the 10 thousand XX/XX/XXXX. 
8. Three months later on XX/XX/XXXX Chase decreased my credit limit and did not notify me prior before it was decreased. 
9. This has adversely affected me causing my credit usage to go higher affecting my credit score. 
10. I have never been late on any of my credit cards in life. I also paid off a car in XX/XX/XXXX without any missed payments. 
11. I feel I was also targeted because Im XXXX, and that the merchant sent in disparaging documents regarding a legal matter that caused the credit limit decrease as well. 

I really need to know what is going on? Im being ignored by Chase and not being provided an explanation regarding this matter. Requesting an Explanation from Chase Bank regarding this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX I never authorize these inquiries on my credit report. I have no clue what it even pertains to cause I never done business with them.
Product: Mortgage

On XX/XX/year> we had made an offer on a home and were trying to decide which lender to go with. I had been in communication with XXXX XXXX, who had let me know that his company, Better.com may be able to match or beat other rates I got. On the XXXX I let him know we had a lower rate of 6.65 % with XXXX, and he let me know he would see if he could get a lower rate. He ended up offering a rate of 6.5 %. He then asked on the phone to confirm that the unit was a single family residence. I told him no, it was a condo, and he let me know that that may change the rate and he needed to rerun the number. I said okay, and then he came back with good news : the rate had actually lowered slightly. We had this very specific conversation about the unit being a condo, and I was happy with the new rate of 6.5 %, so I " locked '' this rate with Better.com. 

We then spent the next 12 days working toward closing, providing documentations etc., with a closing date of XX/XX/year>. We had stopped rate shopping as we knew rates were going up anyway and we were happy with the rate that Better offered us. However, late in the afternoon of XX/XX/XXXX over an additional {$4000.00} in points was added to our closing costs. Better did not reach out to communicate or explain this added cost, we noticed it on our own and had to reach out to them to ask what was going on. The next day, Better replied that they had not realized the unit was a condo, despite me having had that specific conversation with XXXX. They said it was out of control and they needed to charge this rate because condos came with an additional government fee. But this was confusing to us because we have been upfront about the unit being a condo from the very beginning, including providing HOA documents etc throughout closing. The fee was added so late that it was impossible to truly consider switching to another lender, as it would delay our closing and put us in breach of our agreement with the seller. 

I spoke to both our loan consultant XXXX, as well as his manager XXXX and expressed my deep frustration at this, but I was repeatedly told that they were very sorry but there was " nothing they could do '' despite them having provided us documents for the lower rate with " rate lock '' and having clear knowledge from our side that this purchase was a condo. I want to believe that they genuinely made a clerical or system error as they claim and did not actively work to deceive me, but either way it is their error and I should not be responsible for either paying this {$4000.00} in fees or increasing my " locked '' interest rate based on their error. Through their error and not catching it earlier, they effectively deprived me of my opportunity to shop for a better rate, which I know I could have gotten with a different lender. They should now honor the original quoted rate that I " rate locked. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX  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. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.
Product: Debt collection

Collection company is trying to collect a debt that is not mine and also has put negative marks on all three of my credit reports.
Product: Debt collection

On XX/XX/2020 : Phoenix Financial Services Inc has reported to all three of my credit reports for a bill totaling {$76.00} This debt does not belong to me, I have not been to a hospital  in 7 Years. This debt again does not belong to me. So I am asking Phoenix Financial Services to remove their trade off all 3 of my credit reports. Or I will have no choice but to hire me a lawyer and make this a legal case. 

I am asking for the removal.
Product: Credit reporting or other personal consumer reports

I am trying to unfreeze my Experian credit report to apply for an auto loan. I am unable to access my account. Experian 's XXXX-factor authentication is using a landline phone number that has been defunct for XXXX  years as my phone number. I can not get past this step on their website to log in to my account. I have tried calling XXXX different phone numbers and can not get through to a live person to assist. None of the automated options can help in the circumstance. I am utterly unable to purchase a new vehicle because of their poor systems. 

The screenshot attached shows a website error I have encountered several times. When I call this number, there are no options for assistance with a website error and no way to speak to a human person.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.
Product: Mortgage

XX/XX/XXXX - Received letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. 

XX/XX/XXXX - I contacted the Assessor of XXXX XXXX XXXX and learned that taxes are due once a year but can be paid in XXXX installments. The tax bill for XXXX will be sent around XX/XX/XXXX and will be approximately {$2100.00}. I relayed this to Freedom Mortgage via a phone call. 
XX/XX/XXXX - I received an Escrow Account Disclosure Statement showing tax lines updated to pay a tax bill totaling XXXX ( {$410.00} due XX/XX/XXXX and XX/XX/XXXX ). These adjustments increased my monthly payment by approximately XXXX XXXXXXXXmonth. 
XX/XX/XXXX - Upon receipt I called Freedom Mortgage and reviewed with them again the information from the Tax Assessors office. I was told a research ticket would be opened to investigate. 
XX/XX/XXXX - I got a phone call from Freedom Mortgage stating they could not make the changes I requested since this was new construction and a parcel ID had not been applied. I was asked to call the Tax Assessors office again and relayed to Freedom Mortgage what I had previously been told. 
XX/XX/XXXX - I receive another letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. I obtained a letter from XXXX XXXX Tax Assessor with the facts that I had been relaying. 
XX/XX/XXXX - I called Freedom Mortgage again, and emailed the letter to them. I was told that the tax lines would be updated and escrow analysis will be run. 
XX/XX/XXXX - I received an email from Freedom Mortgage that the tax lines were confirmed at {$4100.00}, despite the letter I sent from the Tax Assessor on XXXX different occasions. 
My husband and I will make the revised and incorrect XX/XX/XXXX mortgage payment to avoid delinquency but this violates RESPA that they couldn't resolve this in XXXX months time, especially given that I provided them with the information that they needed.

I don't understand how I can provide them the details that they ask me for, and they don't make the adjustments. My tax bill will go up to around {$4100.00} in XX/XX/XXXX, but that is the TOTAL bill, not paid twice/year.
Product: Debt collection

This is the first I've heard from this company, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show l agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.