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

I went into a Key bank branch on XX/XX/2021 to dispute 2 check frauds on my account. I was starting a new business and received two letters that appeared to come from the Ohio Department XXXX XXXX that threatened significant financial repercussions of $ 7,000+ to myself if i did not take immediate action to send the funds for the required documents for my business. After sending the funds and never receiving anything back from the Ohio Department XXXX XXXX, I called the department on XX/XX/2021 to determine what was happening. Their representative informed me that the letter I received was fraud and that I should take immediate action to protect my accounts, which prompted me to go in branch on XX/XX/2021. The representative at the branch told me to open a new account and transfer the funds I remaining into the new account, and they would open disputes on the XXXXwo check amounts. After waiting as the branch representative said it can take up to 30-days I called on XX/XX/2021 into the customer service line to figure out what is happening with the disputes as the Key Bank app shows me that they were cancelled. Speaking with the first representative, they informed me that the case was closed by me on XXXX that information was incorrect as I never authorized the case to be closed. After informing the representative that I did not approve the case to be closed I was transferred to the dispute department for additional research. The disputes representative then confirmed that I had not closed the case but it was Key banks dispute team that closed the case as apparently their fraud department handles check fraud and not them. At that point I had asked what could be done, and was instructed to go into a branch to see if they can open another case. After expressing to the representative that I did not feel comfortable going back into branch as i had already been sick, they informed me they would transfer me to the fraud department and they can assist in opening and processing my case over the phone. That turned out to be a lie, as after almost 10-minutes of waiting the ringing is then followed by a dial-tone and the call is disconnected. Calling back into Key banks customer service, I requested to be transferred back to the fraud department as the previous dispute representative told me I could file through them and did not have to go into branch. After continuously expressing I do not feel comfortable going into branch, as they do not know what they are doing, the representative then informs me of some policy that only fraud can be done at the branch and they will not file a check fraud claim over the phone. No other representative mentioned such policy of check fraud only being able to be processed at the branch. Looking through my disclosures and on Key Banks website the document informs customers to call customer service to dispute check fraud. If check fraud can only be handled at the branch this should be clearly spelled out. This is all very misleading and the customer service has been terrible in trying to get my funds back and the check fraud corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
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 15USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report conmtaining 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.

5 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.

These inaccuracies have prevented me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 I attempted to view my TransUnion credit report/score after waiting the suggested time for staff to receive and process the copies of my state ID and social security card that I submitted via mail as requested. 

After receiving an error stating that Transunion was still unable to complete identity verification, I decided to call the TransUnion customer service line. Once reaching an available agent, I was told that my Transunion file/account had been deleted for the second time. I was then told by this representative that they had successfully created a new Transunion file/account for me. 

This agent continues on to tell me that I she can guarantee that my Transunion file/account will not be deleted again. After asking for the agent 's name for future reference, I was placed on a brief hold to " make sure this won't happen again '' and then was never given the agent 's name or badge number. The agent goes on to tell me my new file number and will not give me a reason as to why my file continues to be deleted or why I can not view my TransUnion credit report/score. 

Next, I am transferred to another department and am greeted by an agent named XXXX. I am then told the reason why I can not access my account is because it needs to be verified. I answer some security questions and am told that my account has now been verified. I am then instructed to wait XXXX to XXXX minutes and then I will be able to view my credit report/score. 

I still can't view my credit report/score and it's been XXXX hours since I got off the phone with TransUnion. 

I have been met with nothing but defensiveness and thrown blame. I have spoken with TransUnion staff at least 5 times this year alone. I have been cooperative in submitting requested state and government documents, I have gone through the process of creating a new account/file with TransUnion twice already, I've answered security questions, given out sensitive personal information, and yet, TransUnion has continued to fail in providing me with a credit report/score. It is my right, as an American citizen, to be able to view my credit report/score. At this point, I'm begging and arguing with TransUnion staff to simply do their job correctly.
Product: Credit card

I paid my account in full on XX/XX/XXXX. I received a bill due XX/XX/XXXX for interest charged on XX/XX/XXXX. After I paid my account in full. I called and tried to get a customer service agent to resolve it. He refused I asked to speak to a supervisor I was transferred to XXXX at XXXXXXXX XXXX on XX/XX/XXXX and she refused as well.
Product: Vehicle loan or lease

Penfed was contacted via email/phone on XX/XX/2023. In response, an Penfed instructed me to send a Hardship Application to XXXX along with supporting documentation. I was sent a response of the application requesting documentation that was not clearly specified on the application. And one in particular was a request of medical documentation during XXXX, as I had constracted the virus temporarily unable to work ( XXXX XXXX XXXX ). 

I replied giving a statement asking to please specifiy what kind of documentation that isn't infringing on HIPPA laws as it is my right to privacy. I also, sent over documents showing that I am on government aid and assistance. I was given 10 days to respond only be rejected within said time period with no further explanation other than you didn't gather all the documents. Upon taking a closer look, says OR and I sent an exceedingly amount of information to help them make a decision during my crisis. 

During the time of my sickness XXXX XXXX, I was not able to make payments nor did I have the ability to afford my loan. I had called requesting assistance only to be misdirected and avoided. I also, incurred hundreds of dollars of late fees as well as autodraft REJECTION fees. The rejection fees as I understood it were from an autopay that never fully processed. Something that I personally disconnected online when I was no longer able to make payments. Which didn't stop incurring fees even after the account was closed. 

The rejection fees were brought their attention when I noted that these were not your standard late fee payments and requested for these payments to be removed. They removed one payment only and the interests have increased significantly. I really need some help and unfortunately this companies ethics is deteriorating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the  world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

I have no knowledge of these accounts and I have sumbitted supporting documentation
Product: Mortgage

I have been having a very difficult time with Wells Fargo. I have recently been declined for a modification for " having to many modifications '' This incorrect and almost fraudulent excuse by Wells Fargo. The problem and confusion I am having with Wells Fargo started in XX/XX/2014 At that time Wells Fargo offered me a modification with a ballon payment. Before this Wells Fargo told me to contact Keep Your Home California which I did, and was working on getting approved for that program. I got approved by XXXX and told Wells Fargo the modification with the ballon payment was not a good deal and declined it. Because of the XXXX program I was now current and making payments. All was good. 

Unfortunately months later, because of the economy, I had a loss of income. I became late again on my mortgage. I struggled though this and am now over my hardship and working full time. I have a very strong and stable job and can afford my mortgage. 

I have applied twice for a modification and have been declined by Wells Fargo. Declined for " having to many modifications ''. So the modification I declined in XX/XX/2014 in now being forced on me and used against me so Wells Fargo can foreclose on me. The one chance I have save my house in now gone because Wells Fargo has committed fraud and is completely dysfunctional. Wells Fargo is saying they gave me a modification which they did not. I did not sign any documents for an approved modification. I did not make any payments on the modification. I did n't have to because I was approve for XXXX and became current. Wells Fargo has completely failed, I can not get them to address this mistake or have any interest in helping me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Authorized or applied to any of these companies XXXX XX/XX/22 XXXX & XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22
Product: Vehicle loan or lease

Greetings, To whom it may concern I the consumer : XXXX XXXX XXXX. come in good faith. So this complaint is on going from complaint # XXXX, I also must add that I also sent ALLY FINANCIAL a affidavit to rescind the transaction and pursuant to title 15 U.S.C 1635 ( b ) allege creditor has 20 days after receipt of a notice of rescission to return to obligor downpayment and or all payments made by obligor and termination of any security interest created under the transaction. CFPB Let it be known that ALLY is harassing me and sending me letters stating that they are going to repossess my vehicle if I dont make a payment. I can not believe said company is not being in honor of federal law, it is known now that if ALLY sends any one person 3rd party to repo my vehicle they will be in breach of federal law, and I will press any necessary charges as they do not have first hand knowledge pursuant to rule XXXX02 of federal rules of evidence. CFPB I put ALLY and there registered agent on notice that I was rescinding the transaction over 20 days ago I have the return receipt as well for proof. Thats is all a consumer is required to do absolutely nothing else. So CFPB please assist me with this matter as said corporation is bullying i the consumer. Thanks in advance
Product: Debt collection

Phoenix Financial is trying to collect a debt that doesn't belong to me I talked to one of their representatives they have my name however the date of birth doesn't belong to me, belongs to my son still they '' don't want to remove the account under my name and my ss # and is affecting my credit.
Product: Debt collection

I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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: Checking or savings account

TD Bank is charging excessive overdraft fees to the point I can not catch up with the account and is causing me to not be able to pay bills and purchase groceries - most recently they have charged me overdraft fees for pending items that were on hold and was enough in the account to pay - I made a purchase which dud overdraw the account due to the items on hold that were deducted from my available balance!! I was charged one fee - then when the items that were on hold and deducted from my balance posted to the account they charged me an additional {$100.00} dollars in fees!!! How is this legal or justified? Those items were deducted from my available balance already! I am experiencing financial difficulty due to the current environment and they refuse to rebate any further fees - this current environment is nit changing any time soon. How us this ok? How am I to manage my finances when 100s of dollars are being taken from my account due fees!
Product: Credit card or prepaid card

Made over the phone payment on XX/XX/2018 in the amount of {$99.00}. Payment ID # XXXX. It shows on their end payment is still processing and failed to notify me about the issue. I contacted my bank and they are unable to locate the any issues. TDRCS/ XXXX XXXX FOR LESS acknowledges that there is a problem but is doing nothing to fix it. They lowered my credit limit due to the payment being late. My credit has now dropped XXXX points and TDRCS said their is nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX I have no knowledge of this account it isnt mine!
Product: Credit card

We have had a Citi Master Card for many years and are Charter Members. However we have had our credit card used fraudulently on 3 separate occasions. Each time it appears that the data was obtained via hacking of data of business that had our info. What gripes me most is in trying to deal with the customer service people you are always connected with off shore calling centers with foreign speaking representatives. As XXXX it is very difficult to understand these dialects and nearly impossible tro communicate with them. I even wrote to Citi and complained about it and asked if they could not flag our names or numbers to connect with American speaking representatives. I was contacted by a XXXX manager who admitted they use off shore customer service for cost only and they were not going to make it easier for customers such as we. I would really like to determine a credit card company that still gives great fraud protection and English speaking customer service. Thank you!
Product: Credit card or prepaid card

On XXXX I tried to use my credit card and it was turned off. I called and found that there were 4 charges that I didn't make. The company flagged this and shut off the card. Two of the charges were pending and the company denied them. Two of the charges, however, they let go through. The charges were dated XXXX for {$100.00} each. There were two identical charges. I disputed those two charges and on XX/XX/XXXX received a denial letter from them stating that the merchant provided " compelling evidence which included your name, address, and phone number. '' I called the merchant and they had no record of my name, address or phone number. I called the card company back and requested the documentation they relied on in making their decision and was told that it would be mailed in ten days. They supposedly sent it out on XX/XX/XXXX. I never received it. I called again on XXXX and they requested the documents be mailed again. The were supposedly mailed to me on XXXX and as of XX/XX/XXXX have not received them. I'm told the fraud department does not take phone calls. They will not email the information to me. There is no way for anyone to tell me verbally what information they had on file. The only thing the can do is request the documentation again. This has been over a month and I am still getting a run around with them. They told me I could send another letter, but without knowing what they used to rely on, I feel that's a waste of time. Hopefully you can help resolve this? They were two charges I did not make or authorize. They were for gift cards that were emailed to someone using my card and nobody can provide any information about anything.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened on XX/XX/XXXX under the account number XXXX, an XXXX account opened on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, TransUnion, and XXXX. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQIFAX, XXXX AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

GULFCO OF LOUISIANA D/B/A TOWER LOAN OF XXXX LOUISIANA HAS BEEN HARRASING ME EVER SINCE 2017 About A LOAN THAT WAS PAID AND NOW THEY SAY THAT I OWE OVER {$14000.00} AND THEY ARE ATTEMPTING TO SEIZE MY FATHERS PROPERTY ILLEGALLY, PLEASE I NEED SOMEONE TO HELP ME.