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

Hello, Short story : Chase Bank refuses to open Business Checking accounts for General Partnerships licensed in XXXX XXXX. They keep changing what documents are " required '' for KYC despite us complying with everything. 


On XX/XX/15 I walked into Chase Bank to ask questions about opening a Business Checking Account for my band. My band has a Federal TIN and is registered/licensed with the city of XXXX XXXX as a general partnership ( only two owners ). We already have a XXXX XXXX account with XXXX XXXX XXXX XXXX but decided to move to Chase. After I confirmed with the banker at Chase that everything was in order, I then closed the account at XXXX and walked back to Chase with an Official Check and my business documents. 


The banker then proceeded to inform me that I don't have " partnership agreements ''. In the city of XXXX XXXX, such agreements are not necessary, moreover, that is not an actual legal document. I've already successfully filed taxes and had checking accounts with this business for a year - it's tiny, just a band that I have on the side. 


I then called XXXX and asked what they would need. We have driver 's licenses for both partners, passports ( or debit cards for second form of ID ), XXXX XXXX Registration Certificate, and a Federal TIN. They said that should be enough to open the account. When I tried a second time they then said my XXXX Registration Certificate is wrong and should list both partners. I checked with the city and even logged into my online portal to be absolutely sure I registered the business properly with both partners. Both partners are accurately listed with the city but the city does not identify partners on their certificates, just the DBA/Business Name. Here is an example of a XXXX  Registration Certificate I found online : https : XXXX Partners can be verified using the city 's online portal by anyone, but they charge a fee which I'm assuming the bank does not want to pay. I even offered to pay this fee and they refused. So I'm literally stuck with no bank account right now because the bank is unable to figure out their own KYC requirements. I'd understand if I had made a mistake on my paperwork but that is definitely not the case. I used to work in compliance at a bank and I'm frankly puzzled by what additional documentation we'd have beyond Federal TIN, XXXX, and Driver 's Licenses for the owners. This isn't an XXXX so no Articles of XXXX or anything are needed. Not only that, but the bank keeps changing the requirements as if they are making this up each time. We are just a small funk band that makes maybe a few grand a year as a side project. 

Locations involved : Downtown XXXX XXXX and XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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/XXXX I mailed my identity theft report to Transunion requesting removal of the fraudulent items. They did not remove the items within 4 business days of receipt ( per 15 USC 1681c-2 ( a ) ) and instead claimed my hand written and thumb printed letter was a third party. This was obviously incorrect, however they requested I send another one and I generously complied. So on XX/XX/XXXX I sent them my identity theft report again with request to remove the items. They did delete the items except for XXXX fraudulent inquiry ( XXXX via XXXX  XX/XX/XXXX ). 

Unfortunately they soon reinserted an account ( XXXX  XXXX ) claiming it as 'verified '' without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion. Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have personally confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Transunion needs my written expressed permission to furnish any information on my credit report. I have requested that they send me proof of this written expressed permission and instruction to furnish this information with my wet-ink signature. 

On XX/XX/XXXX I sent another letter to Transunion requesting that they send me a sworn proof of verification affidavit to demonstrate their proper and legal investigation into this matter. I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. 

Failure to produce the original contract agreement for inspection will be evidence of fraud in claiming that I owe any debt and that Transunion is allowed by law to report on my consumer credit report and file. ( Pursuant to UCC 3-302 ) If Transunion can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. There is a reason Transunion has paid millions in lawsuits for these exact issues that I am having with them. 

I have called Transunion and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unpaid Bills and A judgement that has nothing to do with me I have court papers saying I couldnt even go near XXXX XXXX XXXX XXXX XXXX IL. And bills are in my name there and a judgement was sumbmitted. On or About XX/XX/2019 and I have court papers saying I couldnt come there Me and my aunt have the same first and last name different middle Initals. I moved and never had an eviction I wasnt even the lease holder
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Student loans by   XXXX   XXXX   XXXX   (   XXXX  ) are  being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to   XXXX   who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in   XXXX   XXXX   about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during   XXXX   and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my region visa credit card XX/XX/2019 I wrote and called and spoke to loss mitigation Dept because I wanted to settle the credit card. Region keep reporting to the credit bureau I am late in lieu of me trying since XX/XX/2019 to pay off and settle this account. I have in writing from them stating they need my income tax returns in order to settle. They have also put my name In XXXX system trying to prevent me from using a checking account or write checks I found out thru another establishment that knows my checking account is in good standards. I want my name removed out of the XXXX system and I also would like to settle my credit card with regions to be done with them. They are not cooperating but are reporting 4 late payments on a closed account that I am trying to pay off and settle with them. They are sabotaging my credit file and putting incorrect information in the system to make it look like I am writing bad checks. My new bank advise me to report them because I am in good standing with my checking and credit account with them. Please please help in this matter
Product: Mortgage

Hello, XXXX to XXXX i had my mortgage in forbearance for XXXX mos and was approved by Suntrust Mortgage XXXX I called Suntrust XX/XX/21 to discuss my options and i choose payment deferral, received a letter stating that my request is being processed and i shall receive in the mail specific documents in XXXX  days to sign and return according to instructions. I called Suntrust XX/XX/21 to follow up on these documents and was told again that is being processed and to wait and follow up if i didn't receive it. 
I called again Suntrust on XX/XX/21 to followup on the documents and this time i was told that i need to pay XXXX $ in order to receive these documents, the rep was not helpful was rude and aggressive, also said that the Suntrust doesn't send documentation to inform me of these " new changes '' they started a month ago. 
I strongly believe they are playing games and want to put my house in foreclosure. 
I did everything i was told and i followed up with phone calls regularly and i made payments until XX/XX/21 towards my escrow. 
I believe either Suntrust reps are incompetent or given directives to be nasty and recover as much money upfront. One certain thing is clear Suntrust is not helping me with this situation and no fault on my part.
Product: Debt collection

My credit report contains accounts that I do not recognize and believe are inaccurate. I request these fraudulent accounts be removed without delay.
Product: Mortgage

Due to injury since XX/XX/XXXX, I wasn't earning an income and could not pay my mortgage. Chase Bank agreed to grant me a Forebearance Plan until I returned to work full time, then proceed with a Modification. 
I have faxed the entire required application on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX - expressed mailed on XX/XX/XXXX. Each time, the entire application EXCEPT our signature page was received. The entire application has been again sent, by email today XX/XX/XXXX. Chase has not confirmed this receipt. 
To date, I have spent nearly {$100.00} on copies, faxing services and postage to Chase for my Mortgage Modification Application and to make time to send my documents. 
I am very angry and betrayed knowing our SIGNATURE PAGE HAS GONE MISSING EVERYTIME! I have always responded to Chase in good faith and in a timely manner regarding this Modificationm process I do not understand why the Signature page goes missing EVERYTIME! One would believe it should have been received and processed on the above dates or afterwards as it has been sent to Chase via different methods! 
I have asked many times for advice or a solution to ensure receipt of documents by Chase and was not offered any solution except to keep resending the entire application. 
I am utterly frustrated and don't know where to turn for assistance! 
I hope you can resolve my problem. 
Sincerely, XXXX XXXX Chase Mortgage Loan # XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been a on going disagreement with transunion consumer reporting agency, about several accounts on my report that's not mine and that is port of me being a victim of identity theft. this is proof that they are in direct error and causing my financial hardship. Inclosed is a letter from XXXX that was sent to Transunion and the other credit reporting agencies, however, the other agencies removed this and other accounts that was not mine.
Product: Checking or savings account

I went to Chase Bank to open up a business account and deposit {$550.00} and they agreed to open up a business account and took my money and on XXXX XXXX they closed my account and have refused to tell me why when I requested the information and said it was private information and I had no right to the information. They have refused to return my money. I believed they use my age and race to descrimunated against me because my age and race.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this to follow up a complaint regarding fraudulent activity on my credit report dated XX/XX/XXXX. After visiting the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. Let me reiterate that, according to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Mortgage

I went to the property appraiser office and got the XXXX exemption for being a XXXX XXXX XXXX veteran, I sent the mortgage company the paperwork but they replied saying that that was only an estimate, I went back to the appraiser office and they told me that their answer was ridiculous because thats the only document they give everybody and if they have any question they could call them, then I proceed to call my bank and they just keep transferring my call. They also increase my payment due to the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, To start, I'd just like to say I think it's vile that as humans we just accepted the fact that XXXX private companies manage our credit scores and we have to play along with them ... because? Anyway, I've tried all morning to get a human to help me access my account at Experian. Their automated system just sends me in circles. I can't access my account without a password, so I called the customer support line. The customer support line is an automated system and won't allow me to speak to a human. The only option from the automated system is to send me a text to reset my password. But when I click on the link within the text, the website says it, " doesn't recognize '' my phone number. So either Experian has the wrong information, or their system is broken. Either way I need to speak to a human at Experian. My desire is that I would never have to do any business with this entity for the rest of my life, but we have designed our society in such a way that I can't do that, which I find insane.
Product: Mortgage

I paid my mortgage through XXXX 's website on XX/XX/XXXX. hey pulled the money twice out of my XXXX Bank account. They refunded the second payment, but then took the money out again 1 day later. It took hours of phone calls, including a conference call with XXXX, to finally get te double billing efundd on XX/XX/XXXX. They are now saying I am deliquent on my mortgage and they have not received any payment for XX/XX/XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I bought land and dirt and then paid United Built Homes ( United Built Homes is a Bank, A Mortgage Company, A Lumber Company, A Warranty Company and a Builder ) to build a shell home on XXXX XXXX in XXXXXXXX XXXX. I paid United Built Homes half with a cashier 's check on XX/XX/2021. They claimed my home was substantially complete and asked for the remainder. After we had an engineering firm ( structure ) and an HVAC inspection we were notified there are structural and HVAC defects. The ceiling could collapse in our family room if left as is. United Built Homes was notified by certified mail. United Built Homes ' reps referenced the contract ( where it states that I must accept the home even though it's defective and I also must accept home if it is not in liv-in condition. ) I asked United Built Homes to fix but they refused and filed foreclosure against my house instead of fixing defects. I either have to accept a dangerous defective home ( shell ) as is and pay the remainder or I have to loose my life savings that is tied into this home. They advertise on their website ( International Residential Code standards & oversight - ( my house was built with little to no oversight and certainly not Residential Codes ). They also lied about the size of the lumber which could have caused an accident. ( This home building agreement is a cash deal for a shell. I did not see any categories that fit my circumstance. If there is a better profile for my situation, plese let me know and I will re-file. )