23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fraud and misrepresentation on behalf of KeyBank ; KeyBank last year filed erroneously and egregiously against me a Notice of Election and Demand on XXXX/XXXX/XXXX. KeyBank on XXXX/XXXX/XXXX sent to me a letter of apology and admitting to its errors in refusing payments, charging of late fees, attorney 's fees, etc., etc. KeyBank accepted in a full and final payment made by me to KeyBank 's attorney of record of an agreed to sum on XXXX/XXXX/XXXX and which brought the loan current. 

Nevertheless that negligence on the part of KeyBank caused me XXXX, cost an inordinate amount of time to address, attorney 's fees, filing fees, derogatory reporting to credit agencies resulting in damage to my credit, etc., etc. This is now occurring again! KeyBank is threating a foreclosure action and acceleration of the loan. Further, there are now reflected substantial late fees and attorney 's fees which I have no intention of paying whatsoever. Again, KeyBank / a large bank is strong-arming a small borrower with a seasoned payment record for over 11 years! And notwithstanding that the negligent party is KeyBank! 

I am now beyond upset. I am not attempting to make further payments only to be refused and until such time that KeyBank straightens out their accounting of my account and provides me with statements that are 100 % accurate. I am also filing appropriate complaints with the appropriate agencies and discussing with my legal counsel formal actions against KeyBank.
Product: Debt collection

XXXX keeps selling this 11 year debt to a collection agency that keeps reporting to all 3 credit reports as a recent debt and refuse to provide proof of debt and validation of debt, ie. contract, identification used to open account, date opened or last date paid given that they are reporting this debt and it is 11 years old. I want it removed. XXXX XXXX in amount of XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX MN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Reporting Agency shared my credit information with the following companies without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  XXXX New XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that Trans Union remove these inquiries immediately from my credit report and provide a copy of my credit report showing that the error has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Citi Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Citi Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify inaccurate information on my report. I have attempted to resolve this issue directly with Equifax to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

XXXX XXXX XXXX XXXX, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XXXX  I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that XXXX addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with XXXX, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

Citi AAdvantage had an advertised promotion page on XXXX XXXX site in XX/XX/2023 when I applied for the card offer XX/XX/XXXX. It offered XXXX XXXX  miles on its Citi AAdvantage XXXX XXXX. After spending {$3500.00} with the card within the first 4 months of receiving the card. I applied from a link that was part of this advertisement, and received my card on XX/XX/2023, and activated it XX/XX/XXXX. I called Citi after activating it to verify the offer. I then made a retail purchase of {$3800.00} that fulfilled the stated requirements to receive the bonus XXXX miles. However when I receive the miles it was only XXXX miles. I called both Citi and XXXX XXXX each more than three times to correct the decrepancy but was told the bonus offer was only XXXX miles and Citi stated they did not know of such promotion. When I called the offer was still be advertised on XXXX XXXX website, and was until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

We transferred the down payment for a home purchase to a XXXX XXXX XXXX account on XX/XX/year>. The transfer amounts were {$32000.00} and {$16000.00} from another account we own at XXXX XXXX Bank. 

XXXX told us that XXXX XXXX  placed a 16 day collection hold on the funds, which will not be available until after our XX/XX/year> closing date. 

Response in writing from XXXX XXXX response to an industry trend of increased attempted fraud activity, changes have been made to increase hold times for Electronic Fund Transfer ( EFT ) and check deposits to as many as 16 business days. This is expected to be temporary. '' XXXX support was not able to shorten the hold period, reverse the transfer, or help in any way. 

Without these funds, we will not be able to purchase the home, at significant person loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account SXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card

In the year 2023 I have sent money via XXXX to friends XXXX times for a total of {$720.00} using my Chase Saphire credit card. I have been charged {$10.00} transaction fee each time for a total of {$320.00}. This equates to transaction charge of 44.4 % plus the additional APR charges that are part of my normal credit card. I contacted Chase and they said this is part of the terms and conditions. The most aggregious instance was when {$2.00} was transferred to a friend and I received a {$10.00} transaction fee which equates to a 485 % financing fee. 

Below are all of the charges : XX/XX/2023 - {$2.00} XX/XX/2023 - {$21.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$12.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$82.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$87.00} XX/XX/2023 - {$25.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$3.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$6.00} XX/XX/2023 - {$17.00} XX/XX/2023 - {$13.00} XX/XX/2023 - {$31.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$9.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$30.00} XX/XX/2023 - {$51.00} XX/XX/2023 - {$30.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX {$11000.00} XXXX {$11000.00} XXXX {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$14000.00} XXXX {$0.00} XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX {$58000.00} XXXX XXXX {$2800.00} MIDLANDCRE XXXX {$4600.00} MIDLANDCRE XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$27000.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$76.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I visited XXXX for a credit denial report I received in the mail. They informed they would look into to see if it was a legit hit on my credit. 

XX/XX/year> I froze my credit report. 

XX/XX/year> I visited truist again for an update. I was informed to file a report with the ftc, police and keep my credit frozen for the time being.
Product: Credit reporting

I have mixed files on my credit report. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Legal Item 4 ) Bankruptcy
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of Equifax.. and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX, XXXX XXXX - XX/XX/2024 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2024
Product: Checking or savings account

Prior on XX/XX/XXXX of XXXX  I received a flyer Solicitation from US bank with A promotional bonus for new opening checking accounts with one of several conditions that come with it. 
One of the conditions is that no existing of checking or Savings accounts with US bank to be eligible, which I am.

Second conditions is that a new money of deposit much from other banks accept any pre existing accounts US bank, which I'm I don't any previous accounts with US bank prior to this promotion My only goal is to go forward with this promotional and get the bous. And one more catching new policy that I can open a new checking account online without the need to go to the branch in person to do it. Raised my curiosity so I was skeptic I decided to give it a try. So on XX/XX/2023 I went online to opened a checking successfully and I have 30 days to fulfilled a new money deposits from my other accounts that is not a prious or existing with US bank. I transfer more than it's required in the next 30 days. 
The problems that's I find out later of my Denial of my bonus was not even my mistake. It's was the bank AI software Mal function on purposed that the bank not willing to admit .Shames on You. 
Here is the the listed of problems I encountered when I went online to open an account. After I successfully opened my new bussiness checking acount. After few minutes later or hours the AI software started on its own and created an additional 3 or 4 checking account which included personal checking which I am not authorized. At this time I was not paying attention to these activities I thought it was same account. So my transfered deposit got splits up into these new several accounts accounts. 
So I called customer service on the phone to reported the problem. They didn't seem to be helpful or knowledgeable and aware about this problem situation that I am going through at this time. They did not give me any advice how to sloved the problem which later on they used this reason against me to denying my bonus. 
The reason was, when I tried to corrected the problem that the AI software created these additional accounts without my permission. 
I tried to close these accounts by transferring the money back to the correct account to begin with. And now the bank used this reason against me that is not my mistake. 
The Bank have theses proof of my statement is true and honest. 
Phone conversation recorded recorded. 
AI software tracked recorded of unauthorized open checking accounts. 
I want my bonus that I deserved Mail to me. 
I will take further legal action if I have to.this is not going away easy. So I learned from XXXX  filed complaints about these deceptive practices. 




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

Grain Technology will not respond to several attempts made. I got one response on XX/XX/XXXX via email after trying to reach them since XXXX. My account can't even be accessed via the app. it's wanting me to set up an account again even though my information is present so i can't get to my screen even if payment was to be made. Stop payment was placed on my account to prevent grain from debiting my account at random moments causing me NSF fees with my bank.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX  XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
System Error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I checked my credit report online and saw a collection account listed by Caine & Weiner for XXXX XXXX in the amount of {$99.00}. I never received any communication from this agency relating to this alleged debt prior to it being put on my credit report. I do not owe XXXX any money and I would have told them that if they would have notified me in advance as per FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a " dispute request '' concerning XXXX XXXX XXXX, XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). 3 ) Requested collection agency/creditor removal for incorrect information. On XX/XX/2018 received email update concerning dispute result. XXXX XXXX XXXX XXXX remains on my credit report.
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries.

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 a victim of identity theft and I have inaccuracies on my credit report
Product: Mortgage

It is impossible to get a human on the phone with AmeriHome Mortgage Loan Servicing department. There is no feature to go straight to a human one has to wade through multiple voice menus, then when one finally gets an option to get human help, a recorded message tells you how busy and understaffed they are.
Product: Checking or savings account

I was suddenly unable to make payments with my bank. I called later that day and was not able to get anyone on the phone on XX/XX/XXXX. I called again the next day on XX/XX/XXXX and was told my phone number could not be verified and that my name had to be added to my phone plan so they could verify me. I also needed to wait 5-7 business days for a letter to come in the mail that would tell me what to do next for verification. She told me there was nothing she could do. I called again and got someone else who told me she also couldn't verify my number and the notes from the previous person I talked to told me to wait for the letter in the mail. 

That phone number is the only phone I have had for a lot of years. That number is on my Citi bank account and that's the number I called from both times. They also both asked for my name in the beginning and the first person I talked to verified my address too. I'm not sure why they can't seem to identify me, but this is a new account. I have had it for 3 weeks and it was going to be my new bank so they don't have any old information that they could be seeing so I'm not sure what the problem is. They are sitting on {$870.00} right now and I have no way to get it.
Product: Mortgage

I was delinquent in mortgage payments with Ditech which are now caught up. This is my Homestead. Meanwhile, a different company was sent to my home and because I was away from home, they broke into my home by breaking a door then they drilled out a second door lock, they wintereized and padlocked my home. They ruined the gate to my property. They STOLE ITEMS out of my house. I am BEING LIED TO about my account by Ditech representatives when I call and complain or try to get to the bottom of things. I was talked over and not given any respect nor the opportunity to ask the questions I needed to ask. Customer Service is no help at all. I want to stop the process but do n't know how because no one will tell me. It appears 2 additional companies are now involved. Charges are mounting up for expenses that are inappropriate now that my house payments are current. I am XXXX and I am being harassed because I am XXXX and a XXXX. Circumstances put me behind but I have worked through them and I can now make my payments on time.