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

We have a business account with Chase Bank. In XX/XX/XXXX, someone altered a {$4100.00} check from our account and cashed it. Looking at the check, it is obvious that the intended recipient was partially rubbed off and changed to another name. 

Once we realized what happened, we notified the bank branch at the end of XXXX. We were assigned claim number XXXX for the incident. The branch gave us an affidavit to complete, and we did so. We did not hear back about the fraud, so we returned to the branch several times ( XX/XX/XXXX and XX/XX/XXXX ). The branch kept saying they were still waiting for the fraud department to resolve the incident. 

When we checked in with the branch again in XXXX, the banker said they needed a list of all the checks issued by our company in XX/XX/XXXX. We provided the branch with the list. We never heard back again. 

In XX/XX/XXXX, a Chase relationship manager called the company to see how everything was going. We told him about the fraudulent check and that nothing was happening. He told us that because it has been over 12 months since the complaint was made, the case has been closed, and there is nothing Chase can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX  Saturday, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is currently paid off as of XX/XX/2018 never late. There was a recent report of a delinquency that needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  and another company has been on my credit report for the same thing. I'm requesting them to stop and remove there stuff from my credit report due to they sold this to a debt buyer and now I no longer own the debt due to it being solved to another company and on the documents I sent shows the debt collector that bought the debt with out my concent. Under the fair credit act that is no longer my debt it it the company they sold it to
Product: Credit reporting

On XXXX XXXX, my wife and I sent a letter to Experian that requested that they investigate errors on our credit report. My wife has already received her portion of the response from Experian, listing the corrections made. Unfortunately, I have not received a response to my portion of the request, and more than 30 days have transpired.
Product: Credit card or prepaid card

I applied for the Visa Platinum card with Alliant Credit Union. I was APPROVED for the card pending " verification of self employment income '' I provided proof that I have been self employed since XXXX. I was asked why my name was different on the two most recent tax returns. I explained that I had gotten divorced in between the time of filing the returns. I supplied my divorce decree proving that I was no longer married and was using my maiden name. Then I was asked about child support payments and if I could prove I received those payments with 3 months of full bank statements. I have emails saying that I was approved and on XX/XX/XXXX the extension of {$5000.00} was rescinded with little to no explanation. I feel like I was discriminated against.
Product: Mortgage

XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.
Product: Mortgage

I received an invitation to apply for refinance on XX/XX/XXXX I used it to apply for refinance mortgage at Suntrust mortgage on XX/XX/2020, since then I have not heard anything and sent many emails without getting any reply, online the status is " reviewing documents '' I tried to call the assigned NLMS broker but did not get any response, I tried calling the toll free number but I stay on hold for more than 1 hour and eventually hang up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my credit card account. Under 15 U.S.C. 1666b, which addresses billing errors related to payment due dates and the reporting of late payments, I believe this late payment was reported in error.

I request that you update or remove the late payment remarks on my account as soon as possible. This discrepancy negatively impacts my credit profile and does not reflect accurate information regarding my payment history.

Additionally, I would like to remind you that under 15 U.S.C. 1666b, a creditor is required to promptly investigate and resolve billing errors, including those related to late payments, and provide a clear explanation of your findings. 

I trust that you will take the necessary steps to investigate this matter and correct the information in compliance with the law.
Product: Credit reporting or other personal consumer reports

There are over 30 inquiries viewed by others currently listed on my Chex Systems Consumer report ID : XXXX that Chex Systems informed me that they deleted and removed from my Chex Systems Consumer Report on XX/XX/2023. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX. There are over 30 inquiries currently listed and showing on my Chex Systems consumer report that are all fraudulent, unauthorized and not my inquiries. I have never had any checking account abuse or owed any money for a closed checking account. I want Chex Systems to immediately mail me a copy of my Chex Systems Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, XXXX is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the Portfolio Recovery Associates collection account on my profile. I've written XXXX on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by XXXX and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to Portfolio Recovery Associates on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested XXXX remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.
Product: Debt collection

This company constant has been calling me all throughout the day and when I pick up and ask who is calling, they dont provide me with any information and verbally harass me for me to give them my information. I have told them to stop calling me and they still proceed to call me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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
Product: Credit card or prepaid card

Synchrony Bank was contacted on XX/XX/XXXX about Charges made on my account that were fraudulent. Took 2 hours to get a hold of a person to try to fix.They allowed someone other than me to call in and change address and email and then they issued them a card. Synchrony bank has not removed the fraudulent charges or did they change my Email and address back to the correct information. Trying to contract Synchrony Bank XX/XX/XXXX to speak to a person is impossible as it only give you automated options and mailing address is only for Payments. Was going to make a payment on actual charges but account is not correct and it would send email conformations to the fake email account.
Product: Debt collection

I have disputed this debt multiple times. The debt is not my debt and the company has ignored requests for communications including proof of debt and options. Several attempts at communication in writing have gone unanswered. 

All outstanding debts on my part were paid to this apartment upon moving out. I was even issued a refund check for overpayment ( as found at claimittexas.org ). 

Due to the several disputes and lack of response from this company, I want this completely removed ( deleted ) from my credit history.
Product: Credit reporting or other personal consumer reports

My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for a mortgage and was denied. I was told that there were several accounts on my credit that were closed and charged off, and 1 was in collection. I pulled my credit reports and found 3 accounts that i did not recognize. I spoke with all 3 credit reporting agencies and was told I needed to file a dispute and they would look into the identity theft. I filed disputes asking for verification of the dates and something showing how these accounts were open but all i kept getting told was the debts were verified and would remain on my credit report. On XX/XX/2023 I reported this identity theft to my local Sheriff 's office and submitted to XXXX. Once again despite me having a police report and XXXX failing to provide me with any proof these accounts were opened by me they once again told me these accounts were verified by the companies. I have no knowledge of these accounts and asked they be removed from my credit report but was told on 6 different occasions they were verified but refused to show me how or who verified them. ( XXXX XXXX, {$400.00}, XXXX XXXX  {$100.00} ) Both on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request for Description of Verification Method To Whom It May Concern : I am writing to request the method of verification for the dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX. 
Re : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
I am in total disagreement with your investigation response to my dispute request which issued on XX/XX/XXXX. The incorrect item ( XXXX XXXX  Bankruptcy ) which listed in my credit report still appear, even after your investigation. This is totally inaccurate account and I dont have it with other agencies ( XXXX and XXXX XXXX reports. I would like this item immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Please provide me the following information regarding the verification of the validity of XXXX XXXX Bankruptcy that you have listed : 1.The name of the original agency ( s ) that reported the item.

2.The address and telephone number of the agency ( s ).

3.The name of the person with whom the dispute was verified.

4.The documentation used to verify the dispute.

In accordance with Section 611 of the FCRA, I am requesting this information in order to review its completeness, accuracy, and appropriateness. Alternatively, you may reopen the dispute to ensure a proper investigation is conducted.

I kindly request a prompt response outlining the steps that will be taken to resolve this matter. Failure to receive a response will eave me no choice but to exercise my rights under Section 616 of the FRCA and pursue legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

A consumer transaction was done with World Finance Corporation on XX/XX/XXXX. where I was asked to submit my car title up as collateral. XX/XX/XXXX after studying consumer law and XXXX  I had questions about the consumer transaction at which time I wanted to know who was the original creditor, how did they come up with the finance charges. I asked them to validate the loan and until they do so to cease and desist. They responded back telling me they would not be reaching back out to me. But by law the didn't because they continue to report to credit agencies as if I was missing payment. Continuing to study I realized that I was to be given my right to rescind. The disclosure and the forms to do so which I never received. As of XX/XX/XXXX I submitted my right to rescind. They XXXX may have been violating my rights to rescind and by submitting late reports to my credit file after I informed them to cease and desist may be restricting me from trading in commerce.
Product: Credit card or prepaid card

Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I have the right to have negative information like a charge-off removed from my credit report after seven years. This account was open since XXXX and was reported to the IRS as income in XXXX on a 1099C for taxes. Therefore this should no longer be reporting on my credit report as debt. 

attached is cancellation of debt statement from XXXXXXXX XXXX
Product: Student loan

I began with XXXX XXXX back in XXXX. I began teaching in XXXX. 

1. Began repayment in XXXX on loans 2. Paid until XXXX 3. Went back and forth with schooling and having to add units to my credential to keep it current. Put loans in forbearance. 
4. Began paying again in XXXX and in XXXX had to file XXXX XXXX, loans were with XXXX XXXX, during Chapter 13, over {$13000.00} was paid to XXXX who held the loans. The payments totaled enough to cover the 5 years. 
5. Came out of XXXX  XXXX in XXXX and loans were held by XXXX and began paying. 
6. In XXXX I began a XXXX and had loans, I consolidated these loans to qualify for Public Loan Forgiveness.

Now with the Waiver, and according to the language " all payments will count, partial, late, zero and wrong plan payments ''. I should be credited my 5 years worth of payments and be done with my 120 payments. 

I am told that because it was reported as in forbearance those 5 years do not count, yet payments were made. 

In addition, every time I called Fed Loan in regards to the high " qualifiying '' payments I was making, they put me in " general forbearance ''. which too does not count. 

Fed loan, never has the same information, every time we call. My wife and I both have loans with them, and we have had nothing but issues with trying to get the proper payment plans, and being put constantly in forbearance. 

The waiver 's language " any payment, no payment, partial payment and wrong plan '', should mean forbearance as well. 

WE have been deceived by the Loan Servicer. Fed Loan makes more money if the borrowers go into forbearance, so they pushed us there every time. 

XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation.
Product: Checking or savings account

My name is XXXX XXXX, Citibank has now found disputed transactions in my favor, I have no access to my funds nor have I received a cashiers check for the remaining funds owed to me, I am requesting a cashiers check be made out to me immediately.