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

I opened a Key Bank savings account in XX/XX/2023, at the XXXX XXXX XXXX XXXX XXXX, Oregon. I wasn't sure I needed open an account but the bank employee called someone and they concurred I needed to have Key Bank account in order to receive a transfer from a Trust Account at another branch. I questioned the account representative several times to confirm the account was truly necessary. There was no mention of minimum balance or monthly fees. 

I deposited {$10.00}, the minimum. Not more than three weeks later, I learned I did not need a Key Bank account. I went back to the branch to close the account and retrieve my {$10.00}. I was informed of a {$25.00} early termination fee. The teller told me I would need to come back during the week when his manager was on duty for an override request.

I returned a couple of weeks later on a weekday. The teller from the last visit is the branch manager. Surprise! I challenged the teller and the same account manager about the process and why I was mislead. The red flag was out. They waived the {$25.00} fee after I stated more than four times I was incorrectly instructed to open the account. Then I received my {$2.00}. What? What fees? For a savings account? At that point, it had been almost an hour. I uttered an expletive, took my {$2.00}, and left. Not my best moment. 

There is nowhere on the Key Bank website to file a complaint if you don't have an active account. I was prepared to send an email to upper management about their policies and point out the benefits and customer service standards of my local credit union.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items.

Name Account Number Amount XXXX XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$42000.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter.

If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights.

Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately.

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : I.C System, Inc {$510.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 without my authorization and permissible purpose, my consumer report was accessed for promotional purposes without my knowledge by CB INDIGO located at XXXX XXXX XXXX XXXX, OR XXXX. Pursuant to 15 USC 1681 ( b ) they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.
Product: Credit reporting or other personal consumer reports

The CFPB can't close a complaint that is violating FCRA or else you are just as guilty. My complaint XXXX stated that TransUnion deleted accounts and then somehow showed up again. They responded with just " verified '' and the CFPB closed the case. Where TransUnion is STILL in violation of FCRA is 611 ( B ) ( ii ) which states ", the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion ''. I have never received such a notification. As of the dispute dated XX/XX/ the following accounts were to be deleted : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX They have violated FCRA by not notifying me and an agency that WILLFULLY violates FCRA 623 ( A ) or any FCRA statute is liable under FCRA 616 & 617.
Product: Mortgage

My loan was originally with XXXX XXXX and was sold to amerihome. Ever since the first payment in XXXX i have had problems trying to make payments. My insurance agency has also sent me letters stateing the payment was past due to them from amerihome. Ive been reaching out to them for a month because they have changed my payment from XXXX to XXXX.they told my payment went up because of taxes and insurance increase. Both are false. I went to both places and neither have gone up. I tried ro make my regular payment and they wont allow me. Ive also talked with XXXX my closing lawyer and XXXX from XXXX XXXX and they both say something is wrong but i cant get speak to no one through amerihome. They keep saying someone is going to call me back but they never do. Today is my final due date and i have my XXXX to make my payment but they wont process it. I need help. Amerihome is the most unorganized, unprofessinal place i have ever delt with.
Product: Money transfer, virtual currency, or money service

Sent money to the wrong person utilizing XXXX via my bank PNC. Filed a dispute for the funds twice and was denied both times to get my funds back since I used XXXX.
Product: Credit reporting or other personal consumer reports

Within the next 15 days, I am scheduled to update my credit reports, and I earnestly anticipate the removal of the following items from my credit file. Allow me to emphasize that, as outlined in FCRA Section 605b, Credit Reporting Agencies are obligated to eliminate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows : -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ 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 XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020 XXXX there was a fire in my home. We filed an insurance claim and during the beginning of the claim process covid 19 started. The company that was going to be doing the restoration Completely shut down in regards to covid. Referred to another contractor. The contractor then took all information and said he would handle paperwork for mortgage company to get funds released for the job. Contractor then
forged the endorsement for the mortgage company, and deposited the check into his own chase account. 

He did not complete the work. 

In XXXX after gathering all evidence and getting affidavit of fraud from mortgage company and all other documents, the claim was filed. 

XXXX XXXX XXXX XXXX, the insurance companies bank, for the last 3 months has claimed to be waiting for chase to respond. Chase will not give out Any information to anyone other than their account holders. 

XXXX XXXX XXXX XXXX will not give me any info as they are a commercial bank and I am not their client. 

The insurance company doesn't care as they have already paid the claim in their eyes. 

The mortgage company does not care to follow up as the home is worth XXXX and the balance of mortgage is XXXX It's been more than 8 months, since filing claim. 

It has been 20 months since the home was damaged in fire.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time a

s they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Credit reporting or other personal consumer reports

I on XXXX XXXX I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXXXXXX XXXX XXXX XXXX/ and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXXXXXX XXXX XXXXXXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Product: Credit reporting or other personal consumer reports

Incorrect dates. Proof of Correspondence via letter. None provided. Dates that they provided are different than what is in my credit reports.
Product: Checking or savings account

I was getting charged for you guys to help me with my credit but nothing was done I had to pay fee for The company taking money out my account I Did not have
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to XXXX. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Product: Mortgage

Chase Mortgage extended a privilege opportunity to me to do a short sale, which I greatly appreciate, but their tactics show that they are not truly interested in extending the privilege to me, rather they are being very uncooperative in doing so. 
We had a buyer and the buyer 's lender appraised the property for {$640000.00}, but the short sale approval was for {$720000.00}. The buyer walked away, because the approval was {$80000.00}, higher than the value. 
We now have another buyer who offered {$560000.00}, but the appraisal is {$660000.00}, and the buyer is willing to pay {$660000.00}, but Chase wants the buyer to pay {>= $1,000,000}, which is completely outside the appraised value. 

Their rationale is that they used a Broker Price Opinion Agent who gave them that value, but I contended that they should get a value from a professional valuator like an Appraiser. I have asked them to compare Appraisal Report from a professional to Appraisal from  another Professional Appraisal instead of Comparing A BPO agent report to a Professional Report.
Product: Credit card or prepaid card

I am a Chase Sapphire Reserve Credit Card customer. One of the card benefits is free trip cancellation insurance, which I used for the first time ever for my Trip ID # XXXX. My sone got sick and we had to cancel the trip booked through Chase XXXX on the Chase website. Trip date was XX/XX/XXXX, trip was canceled on XX/XX/XXXX. As requested by Chase XXXX, I filed an insurance claim with Chase ( claim number XXXX ) and provided all the required documents. 

Chase insurance is refusing the honor the insurance claim giving me a run-around between various departments. I have spent countless hours speaking with different people- contacting the airline, insurance company, Chase XXXX supervisors, Chase Card Services and others with no resolution of my case. 

I consider this a bridge of contract with Chase Sapphire Reserve, since trip cancellation is one of the benefits that is covered by my Credit Card agreement.
Product: Debt collection

I sent a certified letter to Nissan that was a Request to Validate Debt on my credit report. I did not receive a response. On the envelope that I sent and in my letter was my address. Nissan claims to have sent me a response back but I never received it. I then filed a complaint against them and now they all of a sudden they have a letter to me. Where is the proof that it was mailed? And they didn't send it to the address I listed on the requested certified letter. I have not lived at that address they sent it to supposedly in 1.5 years. See my letter and proof of mailing attached and then see there information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent 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.
Product: Debt collection

My federal rights granted under the Fair Debt Collection Practices Act have been violated since the start of the process : -- on XX/XX/2019 I was notified by the XXXX XXXX XXXX XXXX about a debt I do not owe, for {$390.00} : a ) Original creditor : XXXX XXXX XXXX   XXXX XXXX b ) Collection agency : IQ DATA INTERNATIONAL IN The alleged collection account was opened on XX/XX/2019 I have never been contacted by neither The XXXX XXXX nor by the IQ Data, therefore they violated my right, granted under the Fair Debt Collection Practices Act, to seek the debt verification. I do not owe this debt. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and address of alleged creditor. 
6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Verification that this alleged debt was assigned or sold to collector. 
12. Complete accounting of alleged debt. 

Also note : a ) XX/XX/2019 I sent The XXXX leasing office a Lease Termination Letter | 30-Day Notice In Accordance with Section NRS 40.251, On Fri, XX/XX/XXXX, XXXX XXXX  the XXXX office emailed a confirmation without objecting b ) all my payments were done in timely manner and in full c ) I vacated the apartment on XX/XX/2019 after having it thoroughly cleaned by the professional service. 

The apartment was therefore left in immaculate state, with all utility services disconnected in a timely manner and all rent dues paid in full. I do not owe that alleged debt.
Product: Checking or savings account

On XX/XX/2021, someone used my debit card at XXXX making two separate purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded him the {$1100.00} ( pending their internal investigation ). 

I have never received the replacement debit card and I believe the card was stolen from the mail on XX/XX/2021. Someone activated his replacement debit card and used it to make 16 separate XXXX  currency purchases and money transfers totaling {$6500.00} between XX/XX/2021 and XX/XX/2021. ( Using XXXX, XXXX and XXXX  ) I noticed it on XX/XX/2021 and immediately notified Bank of America requesting the card be canceled and opened a claim. ( Claim ID : XXXX ) I have my PIN memorized myself and never share the PIN with anyone. I did not authorize anybody to use my debit card. 

BOA rejected the claim on XX/XX/2021 and the reasons were following. 

The charge was authorized by you or by someone who has permission to use the card. 

BOA didn't provide any documents why they made this decision even after I requested several times. These transactions were not made by me and I didn't give my PIN or permission to anybody. On XX/XX/2021 I wrote a letter to BOA and faxed it to BOA. On XX/XX/2021, I wrote a second letter with more details and faxed it to BOA with FTC identity theft report. 

On XX/XX/2021, BOA again rejected my claim with the following reasons. 

We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

BOA could not tell me what more information they requested or what was incomplete. Different agents are telling me two different stories but one agent told me that there is no more document required. 

I filed a police report for theft and FTC report for identity theft.
Product: Credit card or prepaid card

My trip was cancelled due to Covid and my trip was moved to XXXX XX/XX/XXXX. I also accepted a refund credit note which was due to expire on XXXX XX/XX/XXXX. As you can see from the email it was made clear to me that I would be refunded in full if I couldnt use it. 

XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

I've been waiting XX months and my bank refuse to open up my XXXX XXXX dispute. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration. 

According to the Fair Credit Billing Act it is my legal right to claim a refund when the service you paid for is not received due to a company 's bankruptcy. 

The merchant- XXXX XXXX XXXX has ceased trading. See Companies House as evidence that XXXX XXXX is about to be liquidated : https : XXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX or my refund credit note expiry date of XX/XX/XXXX. 


I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX XXXX XXXX I have been informed by XXXX XXXX XXXXd the administrators for the company, XXXX, XXXX I am not financially protected in any other way.
Product: Vehicle loan or lease

I applied the correct way to discharge a debt. A debt can and should not be paid with a floating rate note which is a debt note. According to the Bill of Exchange Act and Federal Reserve sect 16 & 29 all debts should be properly discharged. I supplied them with an negotiable instrument drew up by them and properly endorsed it. I processed the lawfully way to discharge a debt the correct way in which they want to continue to ignore. According to the OCC they are now in violation of XXXX XXXX credits due to my estate. I have also sent out a final cease and desist letter. I followed the recommended process offered by the Bill of Exchange Act, OCC, and the Federal Reserve Act!
Product: Money transfer, virtual currency, or money service

I've recently started up a Venmo account for my business ( it's a business Venmo Account ). They've allowed me to create the account by way of answering questions about my business upfront. After the account was created, I had access to accept payments from my customers which are held on my Venmo account, but they flagged the payment as " suspicious '' and froze my account to where I can't transfer MY money to MY bank account. 

If the activity was " suspicious '' and needed to be verified, the transaction should've been blocked BEFOREHAND before allowing the money to come thru the Venmo platform and before taking their fee for accepting payments. They got their cut of my money to add to their capital, but I'm left trying to figure out how to access my money. 

Venmo is asking for documents to verify my business, and I've done this to an extent when I signed up. If they needed more information, they should've asked for it upfront with the questionnaire I completed to start up the account initially. 

The person who I got in touch with is XXXX XXXX XXXX they don't provide last names in the emails ) who did very little to help. She said that she was the highest up that could assist with my situation and that I had to continue to wait for her team to verify my account even after telling her I'd use XXXX and close my account with Venmo so they could release my funds to my bank. This part was pretty frustrating because if I'm telling you I do not want your services and you have my money, you need not verify documents ( which I've already provided ) or hold me/my money up in your process as if I would continue to be a Venmo customer. 

Simply release my money to my bank so that I can used the funds for business related bills and operating expenses. 

They're doing this to other people, I'm quite sure of it, and it needs to stop.