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

To whom make concern : XXXX XXXX XXXX XXXX of XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably. <P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XXXX XXXX XXXX XXXX XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.
Product: Checking or savings account

I made charges to XXXX XXXX secured card {$450.00} and also made charge XXXX  rewards account {$49.00} 4 times XXXX {$210.00} for car warranty and they also {$410.00} charge they got me that also they said they givr you back your {$210.00} but i can't find it
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems is not following the laws of the FCRA, they have decided to leave a fraudulent account on my Chex systems report and the have never provided me with proof bearing my signature proving the fraudulent account with XXXX XXXX. XXXX XXXX has corresponded to me twice stating that they have never received a dispute from Chex systems. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my Chex system report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to Chex systems : I HAVE ALREADY FILED A DISPUTE WITH CHEXSYSTEMS ON THIS ACCOUNT AND ACCORDING TO CHEXSYSTEMS YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF XXXX XXXX  UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM XXXX XXXX STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER CHEXSYSTEMS OR XXXX XXXX IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER XXXX XXXX OR CHEXSYSTEMS IS COMMITTING A CRIME BY CHEXSYSTEMS LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR XXXX XXXX LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with Fedloan Servicing and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX  and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, Fedloan Servicing has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe Fedloan Servicing to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, Fedloan Servicing is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX  and XXXX remedy these errors
Product: Credit card or prepaid card

Capitalone never answers the phone.they tell me that I owe them some money for interest charges, but I just paid them off.. I have been trying to reach them but they say there is a one to two hour wait, and they still dont answer.cant dispute the charge if no one answers the phone
Product: Mortgage

The companies we are dealing with is Selene Finance the mortgage servicer and the investor XXXX XXXX in XXXX XXXX XXXX. My complain is the delay in modification decision and the time line for response. The document received from Selene Finance was dated payment expected by XX/XX/2021 we received documents Via mail on XX/XX/2021 XXXX with a week to respond to the trial Modification 2 months after promise date of Modification. 

The amount Selene Finance is stating for 90 day trial is XXXX with no explanation as to what the funds would be applied to in writing. We are still not sure who holds the mortgage and if this not a charge off mortgage that they are trying to collect on the original mortgage was held by XXXX XXXX. XXXX was appraised condition is fair House has flooring and roofing problems ceiling cracking the value was not up to area comp sales condition of House is poor. Things that need to be repaired total XXXX.
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 XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced a security breach of some of their databases resulting in millions of people having their information made public. On X/X/17, I went to the website they provided ( equifaxsecurity2017.com ) to determine if I was affected. Upon entering the last six digits of my social security number and my last name, I was informed that my information could be compromised. I clicked on a button to enroll in one year of free credit fraud monitoring with XXXX XXXX XXXX and was given a date to enroll ( X/XX/17 ). 

I found out later that by enrolling in their program, I would be eschewing my right to sue Equifax or be part of a class action lawsuit against them as part of this security breach. I was not provided an opportunity to consent to this explicitly. 

I am incredibly disappointed in Equifax for their lax security as well as their response to the issue.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business : XXXX XXXX XXXX  Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Approx. 10 yrs. ago, I filed for bankruptcy. During the bankruptcy proceedings I agreed to continue to making payments on a bank loan. I have faithfully made these payments in a timely manner. Recently applied for credit and was denied, because I did not have a " FICO SCORE ''. I contacted the bank and asked why they have n't been reporting my credit history to any of the national credit reporting agencies. Their reply was that they have been. I contacted Experian reporting agency and they claim that they are receiving no info from the bank. Both the bank and XXXX, just have me going in circles. Can you Please help me rectify this matter.
Product: Checking or savings account

I received a phone call and voicemail from Frost Bank. When I looked up the bank online, it looks like they are out of the XXXX XXXX area XXXX I do not live anywhere close to this area. The bank left a voicemail asked me to call them about an account that was opened up under my name. The name they gave me was a name from when I was married prior almost XXXX years ago. I informed the lady that I have not been married with that last name for over XXXX years. She informed me that my identity was more than likely breached. They had allowed this individual to open up a checking account under my alias name of what I was over XXXX years ago ; used my old address and cell phone number ; and had mailed out a debit card to my old address. She informed me that they would be canceling the card and apologized on their behalf. It looks like I will be having to freeze my credit accounts as well as report identity theft.
Product: Debt collection

I have paid full amount of debt in the amount of {$460.00} on XX/XX/2020. I was promised that when debt is paid in FULL, no settlement amount, this collection would be removed all 3 credit reports. I have sent letters and gotten no response or results.
Product: Consumer Loan

XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. 
located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. 
XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. 

I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. 

There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. 

I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). 
I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. 

The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. 
I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. 

I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. 

Thank you,XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been long since paid off. I filed a dispute with XXXX XXXX and it cleard off my report but it still shows on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatly asked EQUIFAX to please send me validation of said acct ; XXXX XXXX - I do not have nor have I ever had any business w/XXXX XXXX- Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have EQUIFAX clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in EQUIFAX reporting. I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 

They continue to be NON-COMPLAINAINT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CLIENT NAME. 

WHERE IS THE ORIGINAL SOURCE OF INFORMATION THAT WAS PROVIDED TO THEM? 

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.
Product: Credit reporting or other personal consumer reports

I closed my aspire credit card back in XX/XX/2023! The account has been reporting OPEN for the last 4 months on my XXXX credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and XXXX 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to XXXX. Yet, when I dispute with XXXX and upload the documents showing its closed XXXX is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just XXXX. This account needs to be reported closed on XXXX immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We closed on our mortgage on XX/XX/2021 and the closing attorney wired the funds to our servicer the next day. Two weeks goes by with no contact and Rushmore returns the funds back to our attorney. Our attorney tried to resolve the issue however Rushmore would not speak to them even though I did sign an authorization release form I called on Thursday XX/XX/2021 Rushmore and they stated they needed to send a new payoff statement. Finally received the letter on Tuesday XX/XX/2021 of which my attorney wired the money again. 

{$250000.00} showing on the payoff letter received dated XX/XX/2021, {$250000.00} wire sent. 

Called Rushmore today, XX/XX/2021, loan still not paid off, showing delinquent on their website and no call from them. As of now they still have to call me back. Not resolved.
Product: Checking or savings account

My name is XXXX XXXX I am keeping getting emails from XXXX XXXX XXXX XXXX XXXX XXXX saying I need to call them every time I called them and give them more information they say they will add it to the claim I need yall to process my claim dispute and if it get denied reopen it and investigation it again because I disagree with the decision and review my claim dispute again and my claim number is Claim XXXX XXXX XXXXXXXX and here what the email says Information about your online fraud claim Inbox Wells Fargo Online XXXX XX/XX/year>, XXXX ( 1 day ago ) to me Claim XXXX XXXX XXXX XXXX XXXX XXXX We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

You can find more information about protecting your online access and account information by visiting the XXXX XXXX at XXXX. 

If you have any questions, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX And this Information about your online fraud claim Inbox Wells Fargo Online XXXX XXXX ( XXXX minutes ago ) to me Claim # : XXXX Dear XXXX XXXX XXXX XXXX We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

You can find more information about protecting your online access and account information by visiting the XXXX XXXX at XXXX. 

If you have any questions, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and then give me a decision on this claim when it is investigated and reinvestigate again etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is violating FCRA Section 623 ( 5 ) ( A ). This account has been illegally re-aged. Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA This account needs to be deleted from all credit files it resides on immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.
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. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or 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.