23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi I am looking to register a complaint against Chase Bank in regards to the unfavorable policies and procedures that are designed to take advantage of customers. 

As a background, I made airline flight booking using Chase travel website using their premium credit card ( Chase Sapphire Reserve with {$550.00} annual fee ). The airline cancelled the flight due to Covid-19 situation. As per airline 's policies I'm eligible for a full refund. However, as the booking was made through chase travel ( agent ), the refund has to be initiated through them. 

I have talked to chase travel team 7 times collectively for 7-8 hours and all they do is send an email to the airline to provide them a code to process the refund. This has been going on for 4 months and I have been repeatedly told to keep waiting until they get a response to the email address. To make matters worse, upon me insisting to investigate the matter, they found out that they don't have correct email address ( as confirmed by them in the email ). However, this still didn't resolve anything. I have 2 cases open with chase for 3 months. 

Chase travel 's policies and procedures are designed to disadvantage customers and the customer service representatives are not provided any training on how to resolve/escalate such issues to next level. Further, no monitoring is done on the customer disputes/complaints and the 2 above cases are still open for months. 

I request CFPB to take action against Chase Bank and have them resolve this issue. Additionally, as explained above it may require broader review and update to the chase travel policies and procedures to make it Fair for the customers. 

Flight details : Chase travel - Itinerary number : XXXX Travel Date : XXXX XXXX to XX/XX/2020 Refund requested : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Debt collection

Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit
Product: Debt collection

The company iims trying to tell me I owe the XXXX bucks i never opened a card never had a credit card they won't take it off collections this is a total scam I never used a card. Why can they do anything they want and ruin my life this is not the America I fought for this is pure dictatorship.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and I have no connection with the listed creditor.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX  # XXXX Account Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the security freeze currently placed on my credit file. This request is being made to allow access to my credit report for necessary financial purposes.
Product: Credit card or prepaid card

I have requested the account statements for a XXXX XXXX XXXXXXXX benefits card in my name and social security number that was administered by Key Bank. Key Bank is refusing to send the statements to me. I have requested the statements from Key Bank three times, and Key Bank has refused to send the statements each time. I have filed two complaints, one with CFPB and one with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both complaints, Key Bank told me that I should contact XXXX XXXX  XXXX DOL for " that any inquiries regarding the unemployment benefits for this Card must be directed to the program manager for your state ''. To be very clear, I am not contacting Key Bank for information about my unemployment benefits. I am contacting Key Bank to get the account statements that are in my name and my social security number. I have a right to obtain those statements from the financial institution that administers the account. XXXX XXXX state does not have the account statements. Only Key Bank has the account statements, and Key Bank is refusing to send the statements to me. Key Bank is misdirecting me to the XXXX DOL for this request. Prior to my requests for the account statements, Key Bank has sent other account information to me, including a rebate check. Clearly Key Bank has the ability to send account statements to me. 

It is Key Bank 's responsibility to send these account statements to me and Key Bank is refusing to do so.
Product: Student loan

Prior to the covid student loan payback freeze I had a significant amount of time left on my forbearance with my student with Nelnet, was working at the time having my own XXXX XXXX as a XXXX XXXX XXXX XXXX at the time renting an office, and when XXXX hit I was stuck with a lease, was homeless for a few months, and working anywhere I could get a wi fi connection while not being allowed family, friends, or any public establishment. 

So here I am working in XXXX XXXX trying to help people suffering from isolation losing money on an office I cant use and working virtually out of my car. I finally get back on my feet with a roof over my head and still paying back not only the rent lost from my prior office/private practice that I lost. 

I am more than dissatisfied with nelnets minimal communication, not adhering to my request for a breakdown of my forbearance months left, and now all of a sudden acting like its a fresh pay back start after resuming student loan paybacks. Nope that doesnt fly with me and if they continue to ignore my requests these un empathetic individuals will likely face consequences as my grandfather is paying for a full investigation. 

I have not XXXX XXXX to pay back and some time to get back on feet would be appreciated and I know I have at least XXXX or more months left on my forbearance which has been acknowledged by nelnet and acting like it never existed. Thank you.
Product: Debt collection

I am filing this complaint against [ Debt Collectors Name ] for failure to provide essential account-level documentation regarding an account they are attempting to collect from me. I have requested this documentation to verify the accuracy and legitimacy of the account, but they have not provided the requested information. I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Account Information Not Provided : I have requested from I.C SYSTEM the following key account details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector 2. Missing Account History and Payment Records : I have also requested details regarding the payment history and charge-off status, specifically : Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor 3. Communication Records with the Creditor : Lastly, I have asked for any records of communication between myself and the original creditor, including any previous disputes or resolutions. These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws.

4. Failure to Provide Documentation as Required by FDCPA and FCRA : Despite my requests, I.C. SYSTEM has not provided the documentation required to verify the debt. This failure to respond adequately not only leaves the debt unverified but also calls into question the validity of their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act 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 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that J am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 16811 ( a )? I heard that if you can I provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
1 demand the following accounts be veriffd or removed immediately Account : XXXX XXXX XXXX Check report from Identity theft as well in attachment Thank you!
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation of my credit report and found several inaccurate and unauthorized items that should not be there. Despite my efforts to dispute these errors directly with the credit bureaus, they remain unresolved. 
There are multiple derogatory accounts on my credit report that I believe are being inaccurately reported. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in reporting consumer credit information. Since the furnishers of these accounts have failed to provide sufficient verification proving their accuracy, they should be removed under FCRA 1681i ( a ) ( 5 ) ( A ). 
In addition to the inaccurate accounts, there are several hard inquiries on my credit report that I did not authorize. These inquiries include those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681b ( a ) ( 2 ), a credit inquiry requires my explicit consent or a legally permissible purpose. Since I never applied for credit with these entities, these inquiries should be removed immediately in compliance with FCRA 1681b ( f ).

I have taken the necessary steps to dispute these inaccuracies with all three major credit bureaus on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. However, they have failed to provide proper verification or remove the disputed items, which is a violation of my rights under the law. 
To resolve this issue fairly, I request the immediate deletion of the inaccurate negative accounts and the permanent removal of the unauthorized hard inquiries. Additionally, I expect written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported on my credit file, as required under FCRA 1681s-2 ( a ) ( 1 ) ( A ). If these corrective actions are not taken, I will explore legal remedies under FCRA 1681n, which provides for statutory damages in cases of willful noncompliance.

I appreciate the Consumer Financial Protection Bureaus attention to this matter and look forward to a prompt resolution to ensure that my credit report accurately reflects only verifiable and lawful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
Product: Mortgage

This is for pnc bank. They claimed to give me a equity line of credit. It was a credit swap. They said XXXX XXXX you can get {$35000.00} to fix my house. I signed the promise to pay being young and XXXX. For that signature they got {$35000.00} from my trust ( cestique act trust of 1666 ) then when I signed the final document they got another {$35000.00}. I am confused. We have a book from federal reserve called money modern mechanics page two states banks can not lend money. Hmmm. Banks take promises to pay and exchange them for credits. Basic booking entries. Proof Daley vs bank of montgomery 1969. Daley argued the bank must put something up of value and they did not. Do you think a regular person can interpret a Morgage contract? No. You needed to provide a book called XXXX XXXX XXXX to interpret. They did not. This contract is void and refunded plus damages based on fraud and lying in contract. I have a certified public accountant under oath saying all bank loans are fraudulent. Banks have the borrower pay morgage insurance which they get paid again. Then if someone can not pay the credit swap which you call a morgage then they steal the house and sell it again. I also have a affadavid that all debts are prepaid signed by court official. It states clearly will represent all morgages. This is backed by the federal government 100 percent penny by penny. I filed the paperwork with government. They billed my bond every month and asked me for another payment trust fraud and illegal. I am willing to look past this for a full refund plus damages to be paid in federal reserve notes what you call money. 

I am not a U.S. XXXX XXXX XXXX XXXX XXXXt XXXX. I am a U.S. XXXX XXXX. I have rights a U.S. XXXX does not. 

The remedy will be my {$35000.00} for the credit swap what you called a loan plus damages. 

If we can not come to a remedy I will place lean on ceo surety bond, have you audited to see the books all called arbitration also willing to go to court. Your fraudulent system fraud is exposed. You already had a certified letter sent to pnc corporate office addresses to the ceo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX
Product: Debt collection

DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A 1099A & PAYMENT LETTER WITH XXXX XXXX XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR NOR XXXX AND THEY WERE PAID INN FULL.
Product: Credit reporting 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax updated my credit score, dropping it from XXXX ( as of XX/XX/2021 ) to XXXX ( XX/XX/2021 ) I've contacted Equifax ( XX/XX/2021 ) and reviewed this with an agent, she could not find any reason for this drop and scheduled a call back from a supervisor to assist me within 24 hours, this did not happen.

I spoke with an agent ( XXXX ) today XX/XX/2021, to review my dispute, she said it was logged as a complaint and they were not required to respond in any timeframe. She did not dispute the FALSE score, nor assist me w/why Equifax would have dropped my credit score. I was told to find the reason why it happened and file a formal dispute for that item, something they could not find. I believe EQUIFAX is in violation of FCRA and need assistance restoring my Credit score to match the other 2 CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding XXXX and XXXX responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all Transunion XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont let dispute any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my updated annual credit report and there was a credit pull from XXXX XXXX in May of 2018 that I didn't authorize. I called the XXXX XXXX number on the credit report from Experian and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called Experian then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appears on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX