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

Previously, I had a KeyPrivledge account with KeyBank. I moved to a different bank and requested that the account was to be closed on XX/XX/2022. Instead, KeyBank decided not to acknowledge my repeated request to close the account. Therefore, they continued to debit {$50.00} per month for XXXX, XXXX, XXXX, and XXXX of this year ( XXXX ), which has cost me a total of {$200.00} in fees. 

In late XXXX, KeyBank closed the account, charged two service fees of {$50.00} ( XXXX, XXXX ), totaling {$100.00}, and sent the account to XXXX XXXX XXXX for collections. Additionally, I'm sure, to XXXX XXXX  and XXXX. 

This whole thing is a complete absurdity, and Key, you have lost me as a customer for life over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion on XX/XX//2022 concerning my score change and, the disappearance of my credit history, although all transactions was done with the same financial institution, I have not heard from them as of yet.
Product: Credit card or prepaid card

When I received my XX/XX/XXXX statement from Comenity Capital Bank I was charged a late payment charge of {$27.00} and Interest of {$53.00}. They said they received the Full Payment of the Statement Balance 1 day late. I asked them to send a copy of the envelope with the date stamped received. They said they do not save them. I said how do I know it was late then. They said to take their word. I told them I wanted these charge removed. In the last 16 months, they posted my payents an average of 3 days early. Please see attached worksheet. On XX/XX/XXXX, they sent me a letter saying they were waiving the late fee, no mention of interest. I called them XX/XX/XXXX to cancel my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made two XXXX payments totaling in the amount of {$2000.00} through Bank of America account to a person I thought was my friend but was not as My friends XXXX account was hacked by a scammer who banks at XXXX XXXX. 

I filed 2 claims with Bank of America immediately same day trying to dispute & was denied payment. I also informed XXXX XXXX  that the Victim below scammed me out of {$2000.00} and I need my money returned immediately. Bank of America said I needed to call XXXX XXXX and I am still to this day waiting on a follow-up call over 4 months now. 

XXXX Payment Info : Status : Paid XXXX payment through Bank of America TO : XXXX XXXX XXXX Amount : {$1900.00} Date : XX/XX/XXXX Message : Deposit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Confirmation # XXXX - {$1900.00} Confirmation # XXXX - {$20.00} I provided the name of the person who is associated with this fraud and trying to resolve with both institutions in a fashionable manner. If nothing is done within a timely manner, I have legal assistance through my employer will not have any choice but to proceed with legal actions. This is my hard earned money of {$2000.00} & feel the banks should look into this matter further more in depth, and money should be taken out of the persons account associated with this name & email.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am filing a complaint against Santander, but I believe they have failed to comply with my SCRA rights. On XX/XX/XXXX, I received orders that called me onto full time XXXX XXXX duty. I reached out to Santander on XX/XX/XXXX by email and asked that they apply the SCRA benefits to my account ( lower my interest to 6 % or less and retroactively adjust my account ). I included my military orders along with this email. Since  XXXX, I have been called on to XXXX XXXX sereval times. I have included all of the orders as an attachment. I emailed again on XX/XX/XXXX to follow-up on my request, but I still have not received a response. When I log into my online account, I am unable to see my current interest rate. I reviewed my account transactions I do not see any adjustment to my account. I would like Santander to immediately apply these corrections. In the future, I would also appreciate much more responsive communication.
Product: Credit reporting or other personal consumer reports

According to the FCRA, once accounts are disputed and then deleted from your report, if those accounts are later reinserted, the CRA 's must notify the consumer of the reinsertion within XXXX business days.On XX/XX/year>, several disputes were deleted from my credit report, only to be reinserted later. I have yet to be notified. Lastly, in accordance with the FCRA, the listed accounts below are the accounts once deleted then reinserted. The CRA 's have violated my federally protected rights of privacy and confidentiality under these said laws:15 USC 1681 2 ( a ), 15 Us 1681 s602A, and 15 USC s604A ( 2 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXXXXXX 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: Debt collection

Hello in XXXX, XXXX and XX/XX/year>, I have contacted IQ Data International regarding an incorrect balance on the account. They insisted that the amount was correct, I spoke property management stated they will make the proper correction, have emailed me the corrected amount and have offered to resubmit to collector. Nothing has changed and I am still seeing this incorrect balance on the credit report.
Product: Debt collection

Source Receivables Management is attempting to collect a debt of {$1400.00} that is not owed. The collection attempt was disputed XX/XX/XXXX with complaint ID XXXX and the status is closed. XXXX was the originator of inaccurate reporting and they responded on complaint ID XXXX. It was determined the collections should be removed from my credit report. As of XX/XX/XXXX, Source Receivables Management is attempting to collect again. The attempted debt collection is linked to a phone that XXXX claims was not returned, however, the return receipt from XX/XX/XXXX is attached. The customer service specialist at the front desk did not correctly enter the returned phone on my account after it was traded in. The receipt shows an Amount Due of {$0.00}.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under 15 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The Credit Reporting agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/ was the latest time that i have sent out disputes via USPS and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to 15 additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW IS A LIST OF NAMES ON THE INQUIRIES I DID NOT AUTHORIZE. 

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 I HAVE SPOKEN TO CUSTOMER SERVICE OF TRANSUNION TO REMOVE THESE UNAUTHORIZED INQUIRIES AND THEY WOULD NOT TAKE CARE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX XXXX  has reported me XXXX times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX NOR XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.
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 Account Number : XXXX Account Name : XXXX 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: Mortgage

In XXXX 2015 my husband 's was behind on mortgage Nationwide advantage mortgage send me a letter to contribute my income wich i did in XXXX while waiting for modification they foreclosed i feel i was discriminated for not using my income i have full time job and income now we have 30 days to move out
Product: Credit card or prepaid card

Hi in XXXX of 2018 l received a late payment that l was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 or other personal consumer reports

XX/XX/2022 Credit Card with JC Penny 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation Synch Bank/ JC Penny 's agree with XXXX XXXX XXXX XXXX company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact JC Penny in regards to matter, they never would give me an answer. In retaliation for finding their fault, JC Penny 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from JC Penny call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why JC Penny would cut a deal with XXXX XXXX to consolidate the debt.
Product: Mortgage

We applied for a loan with Quicken Loans. Without our consent they added others to be available to view our loan status ( and apparently were sending them updates via email ). We asked repeatedly, in writing and by phone, to have no one allowed access to this personal information except my wife and I. The original purchase fell through and we started a second loan, and they did the same thing, allowing access to others. Despite several very specific requests, they continued to send information about our loan to third parties, including an agent who represented us ( buyer ) and the seller. 
After our complaint Quicken Loans utilized Covid regulations to claim we had zero income and deny our loan. We utilized another lender to complete the purchase ; a lender who specifically asked us to add anyone we wanted to be allowed access to our loan information, rather than just adding agents and escrow contacts access without any permission. Attached are emails ( please do not make these part of the information published ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I had fraud accounts on my credit report and I informed Experian several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 


Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Reason for disputing : Fraud Account, I contacted the XXXX  XXXX XXXX and said they cleared me from responsibility on this account however Experian is still reporting this account Account Name XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Fraud Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX We are in receipt of your attached letter that was forwarded to us from Bank of America. The partnership with Bank of America was dissolved and XXXX was assigned your merchant processing account in XXXX. Bank of America would have communicated in the spring of XXXX the changes and reassignment of your account. Please contact Bank of America to request a copy of the letter. 
I have attached copies of your XXXX and XX/XX/XXXX merchant statements at which time you can see the transition took place as your monthly statements changed from Bank of America to XXXX. 

I can not address the bank policies regarding large debits however I can explain the debits we made to your account. Please review your XXXX and XX/XX/XXXX statements, also attached. 
In XX/XX/XXXX your account received a chargeback stating the transaction of {$10000.00} was fraud/unauthorized. Please see the chargeback documentation attached. Per your account set up, chargebacks are emailed. There is no recourse through the card brands. If you believe this is a valid charge you would need to contact your customer/cardholder to resolve. I see no further chargebacks during this time frame. If you received additional chargebacks, please specify date, amount, and chargeback number if available.
Product: Debt collection

I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation
Product: Checking or savings account

On XXXX XXXX 2025. I went into US Bank after making an appointment to open up business bank accounts for my LLC and I was denied and supplied a letter saying contact my check system. I have since then pulled my XXXX  as well as my XXXX XXXX consumer reports and no negatives are reporting back. I followed back up with XXXX the XXXX of the XXXX branch and he said it was out of his hands so now I'm looking to find answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employer : XXXX Date Updated : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 11.0K 15 USC 1666B : A creditor may nay treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX  XXXX. and 60 % from XXXX  XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus. 

This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Product: Debt collection

I bought a home to be built. The builder built it wrong making it unlivable. XXXX XXXX XXXX. I didnt live there. Homeless did. Finally, I lawsuit the builder and won last month. 
So the builder put the house together. I decided after the bad experience I would sale the house. So I sale it and get into escrow and find out that XXXX and XXXX put a lien on my house without notifying mail. I couldnt even receive US mail at that address for years. They fraudulently didnt contact me. I sent them a copy of everything Im telling you. The XXXX XXXX report and the XXXX report. Deadly mold.