23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against XXXXXXXX XXXX Inaccurate Charge-Off Reported to ChexSystems Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against XXXXXXXX XXXX for its mishandling of my account and for inaccurately reporting a charge-off to ChexSystems, which has XXXX impacted my financial standing for more than XXXX years. 

The complaint pertains to XXXXXXXX XXXX account number XXXX. On XX/XX/XXXX, I visited the XXXXXXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX, OH XXXX after discovering my account was showing a negative balance. I made a deposit through the drive-through teller, but the funds were mistakenly deposited into the wrong account. Despite bringing this issue to the attention of the branch manager, XXXX XXXX, who assured me it would be resolved, the issue was never corrected. 

As a result of this error, the account was closed and a charge-off was wrongly reported to ChexSystems. The issue stemmed from the failure of XXXXXXXX XXXX employee XXXX XXXX, who did not credit the funds to the correct account before it was closed. Despite this being an internal error by the bank, the charge-off remains listed as settled on my ChexSystems report XXXX which is inaccurate and unfair. 

I have attached supporting documentation, including communication records and a copy of the ChexSystems report. This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires financial institutions to report only accurate and substantiated information. XXXXXXXX XXXX has failed to fulfill this obligation, and this has caused ongoing harm to my financial credibility. 

I respectfully request that the CFPB investigate this matter and take appropriate regulatory action to : Require XXXX XXXX  to immediately correct and remove the inaccurate charge-off from ChexSystems. 

Ensure XXXXXXXX XXXX updates its internal practices to prevent further incidents of misreporting due to staff errors. 

Provide me with written confirmation of the resolution. 

If this matter is not addressed in a timely manner, I will also pursue complaints with the Office of the Comptroller of the Currency ( OCC ), and consider legal remedies to recover damages incurred due to this false reporting.

I request a response within 10 business days from the date of this complaint. I am available to provide any additional documentation or information needed to assist with this investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXX, there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries. 

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately. 

Thank you for your attention to this matter.
Product: Debt collection

NorthStar, called me twice asking for my sister. I dont know where she is, I have talked to her in years. I told the company twice that they need to stop calling my phone number. I even asked how they got my number and the man hung up on me. What kinda business these people are running? Is this even legal?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( XXXX ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. XXXX explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information. 
Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent.

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as XXXX or affiliated organizations. 
3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with XXXX regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within XXXX  days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.
Product: Payday loan, title loan, or personal loan

I recently closed my account with XXXX Credit builder app. My account is closed but I filed many disputes to get the loan removed off of my credit account. I filed 3 disputes, the company Transunion did some investigation they seen that my claims were accurate but they are not trying to change the information on my credit account and Ive been calling every company that has to do with that. I called Transunion customer service l, credit karma customer service as well. I dont think this is fair because this is stopping my credit from getting better and they are not trying to remove it
Product: Checking or savings account

For some reason Im trying to open up a bank account and keep getting declined.
Product: Debt collection

The company TEK-COLLECT INC is tryinXXXX to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above XXXX XXXX XXXX XXXX XXXX DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency TEK-COLLECT INC can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXX and the debt does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute letters regarding Bankruptcy to TransUnion on XX/XX/2021 which was well over 30 days ago. My complaint was to have Bankruptcy removed from my TransUnion report. I wrote a letter to courts regarding reporting to CRA and they wrote me back stating they do not report. I only disputed with XXXX and sent proof to CRA. I sent ALL proof. XXXX was unable to verify the Bankruptcy so it was REMOVED.
Product: Mortgage

My home loan mortgage is currently under the COVID 19 forbearance program. It expires in XXXX. Per the cares act - I am entitled to ask for an additional 6 months. Bank of America is not allowing my request to be processed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On or about XX/XX/2023, Truist Bank told us that our endorsed insurance check would be endorsed by the Bank so we could cash it to provide the funds to us or deposited in our HELOC account. Instead money was kept by the Bank and Bank will not release it to us. We previously filed a complaint with CFPB and were advised that the company would respond. However the companys letter did not address our complaint that the XXXX Florida branch manager XXXX XXXX and the Sr Relationship Manger XXXX XXXX XXXX explicitly and repeatedly represented to my wife and myself that if we endorsed the insurance check, the bank would then endorse it and return it to us for cashing or deposit in our line of credit account. Rather the Banks letter from XXXX XXXX of XX/XX/2023 simply repeated what the Bank says is its policy- to retain insurance check funds and disperse them only upon completion of the work. The letter did not address our complaint that the Bank agents made false representations as detailed above. ( Regardless of whatever policy the bank claims it has, the bank officials represented something entirely differently to us as detailed above, and did not tell us that the bank was going to confiscate our funds. ) The Branch Manager and Sr Relationship Manager are legal agents of the bank and their representations to customers are legally binding. Here the bank obtained our endorsed check based on false statements and misrepresentations. We request that your agency conduct a proper investigation of this matter, rather than sending it back to the bank who failed to respond to our claim. 
XXXX XXXX Truist Bank HELOC account XXXX
Product: Mortgage

In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted dispute letters to Experian indicating that information reported by US BANKRUPTCY XXXX, XXXX NEW JERSEY Account # XXXX was not valid or accurate. I also included in this letter that " THIS ACCOUNT DOES NOT BELONG TO ME ''. Attached to these letters I included a letter from XXXX dated XX/XX/XXXX ( who Experian uses to obtain information ), stating that XXXX has deleted the XXXX BANKRUPTCY INFORMATION FROM MY FILE BECAUSE THEY WERE NOT ABLE TO. VERIFY THE INFORMATION. I also attached a letter from the XXXX BANKRUPTCY XXXX, XXXX NEW JERSEY stating the court DOES NOT provide or report to credit bureaus. 

On XX/XX/XXXX I received a reply from Experian stating that they have verified the information to be accurate and would not delete the information from my report. I also spoke to Experian on the phone several time and was told that they verified information with the XXXX BANKRUPTCY XXXX and XXXX. How is this possible when I attached a letter from the XXXX BANKRUPTCY COURT stating they do not report to credit bureaus and Also That I attached a letter from XXXX stating they deleted the information from my file last year. Even with this proof of these letters Experian refused to comply with the law and is violating my rights under the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). I am attaching a copy of my credit report showing how egregious these violations are. 

The continued reporting of this invalid and negative information on my Experian credit report is negatively impacting my credit score and interfering with my ability to obtain financing. IF THEY REFUSE TO DELETE THE INFORMATION I WILL FILE A LAWSUIT SEEKING DAMAGES IN COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Experian. 
or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. I have attached a copy of the letter sent by certified mail two times to Experian.
Product: Money transfer, virtual currency, or money service

The purpose of this is to express my extreme dissatisfaction with Chase 's claims and customer service department. On XX/XX/XXXX I was fooled into sending {$400.00} through XXXX to an unknown individual in exchange for football tickets. It ended being a scam and even after contacting the claims department within 30 minutes of sending the money it could not be canceled/reversed. I found out that transactions done through XXXX are legitimate and are not covered by Chase. I have contacted them by phone several times and each time same answer there's nothing they can do. I was also told by a supervisor in the claims department that the steps taken by CHASE to look into my claim could not be discussed. I have been a customer for nearly 15 years, I have grown my account by adding two credit cards and a mortgage, in addition to having a premier checking and savings account with over {$50000.00} and there is nothing they can do for such a customer? This is my first time ever submitting a claim and it's extremely aggravating that they can not back me up this one time. Now they're saying they can not do anything because the case is closed ( it's only been a month since it happened. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent written request on XX/XX/2022 asking EXPERIAN to do verification on my credit report and they did, EXPERIAN stated everything was accurate and I did a thorough research myself and found improper inaccuracies on credit report even after EXPERIAN did the thorough research. 

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights. 

15U.S.C 1681 section 602 A States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Multiple improper inaccuracies found on the following account XXXX Account # XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed XXXX charges on my account that I didn't make. The date of the transactions were XX/XX/XXXX. XXXX charge was for {$52.00} and the other charge was for {$9.00} from a company called XXXX. I called my credit card company, Fortiva and informed them that I did not make those charges. On XX/XX/XXXX they credited me back for both of the charges. Then on XX/XX/XXXX they put the charges back on my account. I called Fortiva and asked them why they put the charges back and was told the after their investigation they found I'm responsible for these charges. They wouldn't give me any further information about their investigation and stated I would receive an explanation in the mail. I called Fortiva 7 times to see why I haven't received the investigation letter in the mail. After months of waiting, my XXXX call I spoke with a representative the under and spoke XXXX and he finally had the letter sent out to me. The letter that I received didn't have much information. Not even a phone number from the place where these charges were made. There was a website listed on the letter and I got the phone number from the website. The person at this company also could barely speak XXXX. When I asked her to tell me what it was that I supposedly purchased, she stated that should couldn't find any information on a purchase because it was a year ago. This supposed purchase was in XX/XX/XXXX. After much frustration, I called Fortiva back and let them know that I contacted the company and they didn't have any information about these charges. The representative at Fortiva was not helpful at all and insisted that since they had my address, phone number and email address, these charges are legit. This is not a whole lot of money but it's the principle of the matter. I have no problem with paying for something that I purchased but I am not willing to be wrongfully billed for charges I did not make. I hope that you can help me with the situation. I would really appreciate it. Thank you for your time.
Product: Credit card

I am using my Chime Credit Builder card ( VISA ), and I have a Chime Checking Account and associated card. 

My Chime XXXX XXXX card is continuing to be declined both by a medical provider and at an online store. I have over {$1200.00} in my account. 

My first call in they said it was showing money was available, but it was also showing an insufficient funds code. They could not explain why both existed. After several minutes I was told XXXX  cards were fixed. 

I still ran into the same problem trying to use my card. I called back. They had me switch money from my XXXX XXXX to my Checking, and then try using that. It failed. They then told me they would need to work on both of my cards, it would take about an hour, but they hoped it would be fixed. They are unable to explain what is happening. 

I have money. My account is in good standing. But I can not use the money.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. I have identified the following discrepancies : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Inaccuracy : Late Payments I have previously disputed these inaccuracies, yet they remain unresolved on my credit report. I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging inadequate investigations into consumer disputes and the reinsertion of deleted false information into credit files. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation of my dispute and correct these inaccuracies promptly. Please provide written confirmation of the corrections or, if you believe the information is accurate correspond with truth and fairness. 

Please reinvestigate these matters and update my credit report to reflect accurate information. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I applied for a loan modification with my servicer ( LoanCare ) in XX/XX/XXXX. I turned in all of my documentation to a Loss Mitigation Specialist that requested further information. Using that information, they were able to calculate a new monthly payment. I saw this reflected on the pay off amount of my XXXX loan on my year end statement. I recently sold my home and was surprised to see a partial claims amount of {$51000.00} to be paid as a second mortgage. This was originally dated as originated in XX/XX/XXXX. I reached out to my current mortgage servicer and they did not have any information about this partial claims. I reached out to Loancare and they sent me loss mitigation paperwork that did not reflect any partial claims. I reached out to XXXX and they sent a legal letter with my signature that I never received. My original servicer in XXXX was XXXXXXXX XXXX and then sold to XXXX XXXX. XXXX XXXX filed bankruptcy and are no longer able to be contacted. I did not sign off a partial claims for the property. The amount in the loan modification was added to the back end of the loan, and I am unsure of why I was asked to pay the partial claims amount. Please advise.