23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Reporting Errors : Upon reviewing my credit reports, I was alarmed to find significant inaccuracies related to late payments on accounts where I have consistently made timely payments. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to ensure the utmost accuracy when reporting consumer information. I have never missed a payment on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting a prompt and thorough investigation into these discrepancies. This investigation must be completed within four days, as required by the FCRA. You are obligated to provide clear evidence, such as detailed account records, supporting the claim of missed payments. If no such evidence is provided within the given time, I expect an immediate correction to reflect my payment history accurately, in compliance with FCRA Section 611, which demands both accuracy and completeness in consumer reports. 

I have always met my payment obligations on time, and I will not accept any inaccuracies on my credit report. Please address this matter without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years  ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired  all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.
Product: Checking or savings account

On XX/XX/2023, I deposited three checks drawn on other domestic financial institutions totaling {$2200.00} in person to a teller at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC during normal branch hours. 

The checks posted to my account and Chase made available {$200.00} of the deposit on the same day. Pursuant to Regulation CC, Chase should have made an additional {$25.00} ( for a total of {$220.00} of the deposit ) available on XX/XX/2023 to comply with the next-day availability rule. Then, Chase should have made the entire remaining amount available on XX/XX/2023, to comply with 229.12 ( b ) ( 1 ). 

However, Chase has instead failed to make any more of the remaining {$2000.00} available. At the time of deposit, the teller informed me that the bank may take " up to XX/XX/2023 '' to make this amount available. Several reasons for an " exception hold '' are provided in Reg CC that would allow this, but I do not believe that any of them apply to this deposit. 

My account has existed for more than 30 days, so it is not a new account. Nor was this a large deposit, as the aggregate check deposit for the entire day was less than {$5500.00}. My account has never been overdrawn at any bank, and I do not have any outstanding liabilities to Chase. None of the checks were redeposited, and no emergency conditions appear to have existed. 

The only remaining exception would require that Chase have relied on the " existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check would be returned unpaid by the drawer 's bank. Upon information and belief, the drawer of the {$2000.00} check maintains an account in good standing with the paying bank, has never overdrawn an account with any bank, and did not write a bad check. Therefore, I do not believe that Chase possessed such evidence. 

Moreover, even if an exception did apply, Chase did not specifically state which exception is used for the hold as required by regulation, nor the specific evidence used in this case to make a determination of reasonable cause to doubt collectibility, if that was the exception relied on.
Product: Credit reporting or other personal consumer reports

I need to be able to report to consumer reporting agencies on my credit file that over the years Ive had major brain traumatization impact multiple injuries to my head from two different accidents in fall 2013. I need to be able to report that to my collecting agencies for them to be able to understand that I have Social Security XXXX, and I am also traumatized on medication for years and need to have the fair credit reporting agency analyze my file. Also, when I was XXXX XXXX XXXX, someone gave me a piece of gum with acid on it at a friends XXXX XXXX XXXX, which gave me also major damage because I did not know Lawyer the doctor tell me for 15 years ago did I tell anyone else so that with all the medication over the years I want to school, but I was again unaware then after that XXXX  I had a slip and fall while in summer break vacation. Its very difficult for me to remember things, to take my medication, talk to people or pay my credit. For example, this is why my credit is so damaged.
Product: Debt collection

I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of Defense XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of Defense XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee Foreign For Profit Corporation and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of Defense allow others to impersonate a XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my XXXX XXXX I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported for having negative credit or late payments for accounts that I no longer have I account has been closed there's no way that I can make a payment on an account that is closed I have no idea why all of a sudden I'm being reported for having a negative payment to an account that I don't even have access to anymore and has been closed since the beginning of last year XXXX i'm also having issues withbeing reported as having adverse credit I'd have no idea who is reporting me for adverse credit I think it's very unfair because I found bankruptcy in XXXX two years of six years ago seven years ago I'm sorry and there's all of a sudden an adverse credit that is being popped up every time that I try to file for credit I have no credit I have student loans that I have on my account and two collections that did not belong to me that I found respect disputes onI don't know why does adverse credit re being recorded and I wish that it would stop or at least give me an explanation of what is adverse on my credit report this has stopped me from being able to do a refinance on my house which ultimately foreclosed on it is stopped me from being able to get credit for my for student loans and I'm at the XXXX XXXX  of my college my XXXX XXXX XXXX and I'm unable to find alone to pay for my education because of this this is stop me from being able to get credit in general and I have no credit I want to know why the agencies are reporting adverse credit I also want them to remove late payment fees for accounts and account one account that has been closed that I no longer have access to since XXXX is my credit score being dropped XXXX points when I have not had any credit also when I had to move from my house I was applying for credit to buy a camper and the same company that I applied for the camper for reported my credit five times There's five times with three different companies that ran my credit five times since on my inquiry report which lowers your credit score I don't think that's fair and I think that should be removed if it's being reported for the same thing such as a car or camper or a loan from the same company It should not be listed five times which raises your inquiry credit scoreThank also I believe that this type of credit report and is race related and that they purpose that you guys are purposely doing is to XXXX XXXX people so that they may not be able to get received a credit or be able to get the credit that they deserve There's no reason why my credit score should be going down XXXX points when I have no accounts no bills that are that I have that are due to me and that I had to file bankruptcy because of identity theft which is known by the IRS social security and has been reported to you guys or should I be getting adverse let it sent to creditors when I apply I believe that this is targeted
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 Acct XXXX, has violated my rights. 
XXXX  XXXX ACCT : XXXX, has violated my rights.. 
Department of EducationXXXX Acct : XXXX, has violated my rights Department of EducationXXXX Acct XXXX XXXX XXXX has violated my rights. 
Department of EducationXXXX Acct : 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: Mortgage

I did bill pay online on the XXXX XXXX. I have receive three calls one every day asking for payment. This payment is not a month behind actually two days. I asked to be remove from their list to call my phone. They are more than welcome to send mail but wanting them ti please stop calling my cell phone.
Product: Mortgage

SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.
Product: Student loan

I called to get my full loan amount as I had been saving money, transferred it all to my bank account, and was ready to pay off my loan ( yay! ) Mohelo said they had just started a transfer of my loan to XXXX. They advised that they can not tell me my full loan amount to payoff and that I should wait 90 days to pay XXXX instead. They clarified at my questioning that I would be accruing interest over the 90 days it will take to transfer my loan over. 

The advised the risk of paying off my loan now is that since it is not the full amount I will still have loan due to XXXX in the future. 

I did opt to pay the XX/XX/XXXX ( yesterday ) payoff amount that I can see on the website. I anticipate that this may cause problems moving forward. 

I am financially literate and am VERY concerned that this is the advice they are giving people.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter from  Chase  stating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on my  Amazon MasterCard.  They cited other accounts that have nothing to do with my great standing with Chase. I worked at length to pay down my balances and I 've never been late on my payments and always maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.
Product: Credit reporting

Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Money transfers

I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2800.00} and needed the extra money returned. What I did n't know was that the money was a transfer from MY LOC account. Needless to say I am out {$2500.00} at this time. 
The amount was a Western Union trensfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not mine. I have no idea why it is listed to my report. I surely believe that these accounts are FRAUD or either somebody with the similar name. I already filed an FTC report and this is the FTC Report NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is negatively reporting a vehicle loan on all three of my credit profiles. I have never had a loan with their company nor held a vehicle loan before. I am wanting this removed immediately so that I might be able to stop being denied for currently needed credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.
Product: Mortgage

Hello, My mortgage loan was handled by XXXX XXXX XXXX before it was assign to Rushmore servicing Company a few months ago ), we have requested XXXX XXXX XXXX to send us payoff figures in order to payoff the loan in full, we have borrowed the money from a private source, paid the entire amount to XXXX XXXX XXXX ( this was back in XXXX XX/XX/2011 ), and instead of getting a satisfaction letter, we received a few months later a letter from the bank stating that the total payment was returned since it was {$800.00} short ( legal fees ) which by the way never appeared on the payoff statement. In the meantime, the total amount was higher because of an interest and other fees added to the principle amount, we have experienced a terrible family crisis ( XXXX of my daughters deceased in my family ) and loss of income which prevented us from making the mortgage payments, the amount owed, has become higher and left us no choice but falling behind with the mortgage payments. The property is no longer livable since we did not have the funds to maintain it and as of today it is vacant. 
As said before, a few months ago we have received a letter stating that the mortgage loan is no longer with XXXX XXXX XXXX and it was transferred to Rushmore servicing Company, when we called and asked for help, we have been told that they ( Rushmore ) ca n't help since all of this happened with XXXX XXXX XXXX and they will have to start a foreclosure procedure against our property. 
The only payments we were able to maintain since this happened about 3 years ago were for property taxes. 
It is sad to think that just because of {$800.00} we, a widow that have lost XXXX daughters in less then a year is facing foreclosure and a possibility of losing her home. 
We feel that neither XXXX XXXX XXXX or Rushmore servicing simply do not want to listen to us and try resolve this big problem we are facing and possibly lose our home. 

We have attached a detailed letter written by me to Rushmore servicing which is currently handling my mortgage loan and started a foreclosure procedure about a month ago. 
Thank you for your help
Product: Credit card

I paid off the full balance of {$3700.00} on my Citibank Costco Credit Card on XX/XX/year>. The screen said my balance due was {$0.00}. I received a bill from this bank for {$44.00}, which I paid on XX/XX/year>, and the screen said my balance due was {$0.00}. Now I've received another bill from Citibank for {$83.00}. 

I called Citibank and asked why I keep getting charged for a closed account that I paid off fully on XXXX XXXX. I was told that the charges were for interest because the payments I made were past the deadline. 

I believe the charges I've received since XX/XX/year> are a scam to get me to pay more than I am required to pay or what is fair. I want these scam charges to stop and a refund of {$44.00} for what I paid after I paid off the full balance due.
Product: Credit reporting or other personal consumer reports

I again checked my credit report and see accounts reporting that I do not recognize.