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

I received a statement about my savings account, opened as a student savings account, from Chase by mail in XX/XX/2020. I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to make a withdrawal and a banker told me the original custodian of the account, my mother, would need to be present for them to perform my requested action. 

My mother and I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/2020 to make a withdrawal from my savings account, and a banker told us to call Chases customer service number to reactivate the dormant account. On the same day, we visited a different Chase Bank ( XXXX XXXX XXXX, XXXX, TX XXXX ) for a second opinion, and the representative told us the same thing : call customer service to reactivate the dormant student account ; only after doing that, they could make the requested withdrawal. 

I called Chase customer services personal banking support on XX/XX/2020 to reactivate my dormant account and the representative redirected me to their loss prevention department. I requested the loss prevention representative reactivate the dormant account and he told me that I would have to go to a Chase branch. I told him I had already visited Chase and he said that is the only option I have. I asked him if there was any way to escalate the situation because theres an issue : the bank told me to call customer service and customer service told me to call the bank, and he once again referred me to a Chase branch after acknowledging my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided 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 or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by Experian, XXXX, and XXXX.
Product: Student loan

I am a XXXX XXXX XXXXr and have applied for PSLF. My verification of employment was approved on XX/XX/XXXX. I was told it would take up to 90 days to process and count the number of qualifying payments have already accrued. As of today XXXX, XXXX, XXXX, this has not been done. I have repeatedly emailed FedLoan to ask when this will be completed and they keep telling me it takes time. I would like this to be completed so I know how many payments I have left before I qualify for loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the written-off loan reported on my credit report. I believe this information is inaccurate and request that you investigate and verify the validity of this account. Please provide documentation to support the reported charge-off, including the loan agreement, payment history, and details of any communications regarding the debt. If the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activities, ensuring action within four business days from receipt of such notification. 
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/year>
Product: Credit reporting or other personal consumer reports

Apple ID was stolen XX/XX/year> and my apple card was used to buy XXXX XXXX  in XXXX. This put the balance of my card at 5x my limit over night. Those transactions have been reversed but the cash back from those transactions reversed also and still shows on the card even though that is something that was also stolen with my Apple ID. I have called consistently over the last 1 1/2+ years and it has still not been resolved even though every time I talk to their fraud department they say they will update it and get the credit reporting charge off corrected and now they are denying the disputes I file through the credit unions. This has taken well over 30 days, I have not been notified of any outcomes because they will only use my icloud email even though I have explained over and over that that was stolen with my appleID. It should be very obvious that this balance should be at {$0.00}. The amount on there was posted well after the account closed and on top of that there are late fees even though I was told not to make payments because I then claimed responsibility.
Product: Money transfer, virtual currency, or money service

I am writing expressing my concerns regarding Zelles handling of disputes, particularly with CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions wasnt infeasible. The CFPBs findings indicate Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system, leaving users such as myself vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against XXXX XXXX, they did not send proper communication about our loan transfer and caused us to miss 3 payments which prevented us from qualifying for a loan to purchase a home. The letters they sent were never delivered to us and were returned to the sender. They are not taking any responsibility because we were mailed a letter from our previous servicer, which was mistaken for a bank statement. It's challenging to pay your loan when you don't know who owns it. I understand, I should have checked my payments more closely and I am at fault for that, but when you have 4 business/jobs, 12 plus bank accounts and multiple transactions happening every month, it can easy to over look a couple thousand dollars. 

Their response said we asked to remove any negative credit reporting from the account. We asked to remove only 60 days so we could qualify for a loan. They can keep the 30 day late payment. 

A business with good customer service would have done more to make sure their clients received important information such as " being late 3 months on your mortgage. '' No voicemails, no emails, they didn't call both numbers on file, their numbers showed up as spam which they acknowledged but still decided to not leave a voicemail. Instead we receive responses such as, Their response " We can't make courtesy changes. '' There simply is no customer service or customer appreciation. It would take a week to get a response from anyone, there are no direct numbers or emails for people to reach out to. We are a brand new client and they did absolutely nothing to welcome us and now our perfect credit is ruined for an entire year and we are out thousands of dollars on a contract we had to walk away from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company ChexSystems continue to report inaccurate information in the file that they maintain under my SSN. I have sent numerous certified letters asking this company to remove this information as this information is not correct. The company refuses and continue to validate a debt that I do not owe nor have I ever owed to this company. They claim that I owe XXXX XXXX XXXX an amount of {$230.00} for alleged account abuse. They have not provided me any information that bears my wet ink signature to show proof that this is a debt that I owe. I received from ChexSystems a itemized bank statement from XXXX XXXX XXXX XXXXhat continues to state that this is my debt. This does not prove any validity to there claim and I am aware that a printout of a bill or itemized document does not constitute verification. I have written ChexSystems several times attempting to correct erroneous information on my credit report. I know they received my written dispute letters because I sent the letters using registered mail and requested signature receipts. The last dispute letter I sent to ChexSystems was delivered registered mail on XX/XX/2021. My attempts to correct my credit report administered by this company have been unsuccessful. Therefore, I am filing a complaint for your intervention. I have requested the information below to be corrected in accordance with the Fair Credit Reporting laws, but ChexSystems has not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please not this complaint is not duplicate, it's due to new evidence. I'm not using any third party for this matter. 
On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2022, stating '' They do not report any bankruptcies to anybody ''. So, if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX  XXXX The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. 
Please note : ONLY TRANSUNION HAS REPORTED THIS ACCOUNT - RECORD ON MY REPORT.
Product: Debt collection

I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me XXXX is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that XXXX asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with XXXX and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove Exeter finance, XXXX and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once XXXX XXXX
Product: Credit reporting or other personal consumer reports

ORIGINAL XXXX SUBMITION FILED WITH CFPB # XXXX i was checking my consumer report and i saw a lot of inquires that i didn't recognize 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: Student loan

On XX/XX/2022 my payoff amount for my loan was {$20000.00} and I paid {$180.00} on a {$130.00} bill ( {$50.00} over pay to go strait to the principle ). For my payment due on XX/XX/2022 my payoff amount is {$20000.00}. This math does not add up and I would like to know how I get an investigation looking into how Firstmark is operating I have looked at their reviews online and it seems this is an ongoing problem with this company and considering the current economic rescission this country is in a company like Firstmark should be held to highest of standers.

Who do I talk to to get Firstmark looked into for fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 items on my credit report one for the balance of {$2000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX  Account # 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 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: Debt collection

On XXXX XXXX, 2017, I sent my settlement payment ( USPS money order ) to Trident Asset Management. My payment was delivered on XXXX XXXX, 2017 at XXXX. They are claiming they have not received my payment. I have called everyday since being delivered checking the status. I believe they have my payment and are holding it for some reason.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.