23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I began to receive credit card collection phone calls from KeyBank, XXXX for a KeyBank credit card account that was not mine. I was told that a credit card had been issued using my credit in XXXX for someone living in XXXX, OH, that no payments had been made for three months and that a payment of {$570.00} was due in a balance of {$9200.00}. 

I said that this was likely a card issued to my ex-wife who lived in XXXX up to her death on XX/XX/XXXX. I indicated, and later emailed the divorce decree to KeyBank, that we had been divorced in XXXX and that the decree, signed by both, specifically prohibited either of us from using the other 's credit. I also said that I had not been an Ohio resident since XXXX, XXXX when I purchased a home in XXXX CA. The KeyBank representative verified only that the non-payments on the card coincided with the time period after her death. I was told to fill out a fraud affidavit which I did. 

In XXXX, KeyBank contacted me again and said that the credit card actually originated in XXXX, XXXX and that the debt was mine. i stated that this was the date on which I originally initiated a banking arrangement with XXXX XXXX  ( later acquired by KeyBank ) and asked for evidence as follows : the credit card number, in whose name cards were issued, where cards were sent and proof that I had authorized my ex-wife to use my credit subsequent to the date of our divorce. KeyBank has refused to give me any proof of anything including refusing to tell me the credit card number, saying only " the credit card number is on the statement we have sent to the billing address in XXXX. '' Since approximately XX/XX/XXXX, I am told that my fraud claim is being re-reviewed by KeyBank. After almost three months with occasional collection calls, no action is forthcoming. KeyBank personnel refuse to communicate via paper mail or email so I have nothing in writing from them. I am only able to send written documents to a general mailbox. I have provided KeyBank with all written information it has requested. 

My credit reports with the three credit bureaus now show a 6 month delinquency on this account. My credit rating has plummeted and I am no longer eligible for any loans. I have disputed the inclusion of this credit card with all three bureaus, including sending them the divorce decree, with no result.
Product: Credit card

I applied for a Citi Double Points credit card earlier this year. I understood that I had set up autopay with my bank account, as I do with every credit card. A couple months later I received an email stating that my " late fees '' had been waived. I called Citi, explained the situation to XXXX different representatives, and understood that my autopay was successfully set up. Last week, I tried to use my card and the card was denied. I checked my statements and discovered that Citi had charged me XXXX separate late fees -- WITH NO NOTICE -- and apparently opted to suspend my card with no notice as well. The representative on their chat interface refused to refund my fees and threatened that I needed to make a payment as soon as possible. 
To be clear : Citi did not send me a letter, or an email, or a text or called me to inform me of any issues with my account. The only correspondence I received were emails saying, simply, " your monthly statement is available online ''. If they had bothered to contact me in any way to say they had n't received payment, I of course would have responded immediately to rectify the situation. Instead, they simply charged a fee, then another fee, then suspended my card. I will contact an attorney friend the week to seek clarification on whether this conduct on Citi 's part is illegal or merely unethical but regardless, a consumer should absolutely have the right to know if there is a problem with his account, and given an opportunity to address the situation, before fees are secretly charged against him. This smacks of a revenue-generating strategy and is undeniably a shady practice unbecoming a national company.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I have an issue with missing deposit payment in my XXXX account. More than 10 days ago ( XX/XX/XXXX ) a friend of mine transferred XXXX Euro from his XXXX XXXX based bank ( XXXX credit card ) yet I have n't received anything in my Coinbase account yet, however the transfer results successful from his side since XX/XX/XXXX. 
Considering the fact his account is in XXXX XXXX ( XXXX ) and currently Coinbase accepts transfers from US and XXXX only ( according to their website statement ), I assume this transfer will never arrive to me. Although I want to know when the amount will be returned to my friends account? 

I have tried to contact their team countless times via their official website ( case ID : XXXX ), phone ( waiting on the line for hours ), official XXXX account ( created topic and contacted their staff ). So far I do n't have any feedback where this money is and when they are planning to accredit/return it.
Product: Student loan

Federal Student Aid issued notice to discharge eligible, qualifying loan under PLSF Forgiveness XX/XX/XXXX. Mohela has confirmed receipt of that notice on varying different dates. Varying because every person I speak to provides a different answer including XX/XX/XXXX, sometime in early XXXX, and XX/XX/XXXX. On XX/XX/XXXX in a recorded conversation, a supervisor advised that Mohela had received notice to discharge my loan prior to their system change over that happened in XX/XX/XXXX. The notice from Federal Student Aid dated XX/XX/XXXX states I would hear from Mohela about my loan within 30 days from that notice. I have filed numerous complaints with Mohela and Federal Student Aid indicating that Mohela did not meet that required timeframe. All responses are canned, non-sensical and not applicable from both Mohela and FSA. Upon calling, Mohela and Federal Student Aid both report that discharge can take between 30 and 90 business days. 90 business days from the date on the written communication to discharge my loan and yet Mohela has still not discharged my loan. They have no expected timeframe of when discharge could or will happen. The previous complaint I filed with CFPB was responded to and closed out with non-sensical, useless information that did not apply to me. At this point there is no recourse to addressing the delays, the lack of communication, the lack of accountability, and the deliberate misinformation that they provide. I, and MANY OTHERS, want their loans discharged as fair and permissible within the qualifications of this program. I, and MANY OTHERS, want Mohela and FSA held accountable for how ineffective they are at running this program.
Product: Checking or savings account

I opened US Bank account in XXXX and made 2 direct deposits to the account to meet open-account bonus requirements ( open account bonus promo:XXXX ). But after 4 months, I haven't got my open account bonus.
Product: Credit card

My soon to be ex-wife took out several credit cards and loans out in my name, and now has me {$30000.00} in debt. My credit score is destroyed and i have debt collection agencies constantly trying to get money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX : XXXX XX/XX/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 XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XX/XX/XXXX and it will update XX/XX/XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN XXXX Balance {$120.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax credit report wants me to mail my drivers lcense my social sercurtiy card all my banking infor to Equifax credit info XXXX XXXX XXXX XXXX ga ph XXXX tractor supply visa denied my appliction i requested my credit report thur Equifax mywife & i have good cridit this based on income & age my wife is XXXX and iam XXXX
Product: Debt collection

XXXX credit card company, offered and offers a credit protection program, in the event, of loss of job, death, military diploment, and or suffer from a XXXX which results in permanent XXXX. 

Between the dates of XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that took time to finally diagnoses. Finally, in between the aftermath of covid, I was XXXX  and officially diagnosed XX/XX/. I am currently XXXX. and they are now sending a third party not the original creditor, but the third party randomly showed up at my door unannounced to say they have filed a judgement against me in my local county. Never was I informed or made aware, and due to my XXXX XXXX have not had the chance to provide the oriognal creditor XXXX with the information they need to process for my XXXX as the reason for late payments. I paid a fee monthly in addition to the normal payments for this special program they advertised that would help take care of any balances in the event of any of the above unforeseen circumstances. but, instead of them honoring this, they have now sent people to my home and threatening a law suit by an unknown third party to which I don't know and now unsure of what to do next.
Product: Debt collection

I already paid the {$310.00} debt to Choice Recovery and on my last payment by check I sent him a letter saying it was the last. And I received a bill of collection, when they accepted the last payment and debt paid. 

I include documents
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Debt Validation and Cease and Desist Dear To Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of myTeletrack consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not allowed to view online questions they asked don't have any correct answers failed to assist in calling the 3rd party
Product: Mortgage

My home loan was transferred to Shellpoint Mortgage comapny approximately a 17 months ago. At the time my mortgage was transferred I didn't have my insurance premium impounded. For some reason in XXXX of 2019 they decided to send my insurance company a payment for my insurance premium for the entire year and then impounded my insurance. At the time I called and asked that they remove the impounds for insurance and since I could no longer trust them, I didn't want my taxes impounded either. I got transferred to various departments and they told me they had to do an impound analysis and process my request. They said they removed my insurance impound but I had to pay back the {$750.00} premium which would take a year and then I could remove the insurance portion once the premium is paid back. I have paid back the premium and they still are charging me. Every time I call in they say it's been cancelled but they don't know why I am still being charged and they refused to remove my impound account for the taxes and are still charging me. They continue to charge my account and every time I request it, they tell me there is an escrow analysis they will run. Every time I call in I get misinformation, no one knows what's going on and my problem doesn't get resolved. They never even sent me a letter formally denying my request to remove my tax payment. I had to call in to find out. When I called in today they said they haven't done an impound analysis since XX/XX/2019, but last year they told me in XXXX and XXXX they told me they completed an impound analysis.
Product: Checking or savings account

I bank with Capital One. I am full aware of the third party vendor issue. I am also aware that said 3rd party said the issue on their end has been fixed since early this morning. Capital One has yet to update anyone except for an auto generated message that dont change the wording much. Myself along with thousands of others are waiting to receive our Direct Deposit that was made to Capital One. 3 days is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, a creditor reporting information on my credit reports, and XXXX, XXXX, and TransUnion, the credit reporting agencies. I have discovered significant discrepancies and conflicting information on my three credit reports, which are causing substantial financial harm and hindering my ability to secure a mortgage for a home purchase. 

The crux of the issue lies with two XXXX accounts that are being reported to all three credit reporting agencies. Although the accounts are the same, the information being reported to each agency differs significantly, resulting in inconsistent payment histories and misleading representations of my creditworthiness. 

Upon noticing these inconsistencies, I promptly initiated an investigation dated XX/XX/2023 in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( B ) ( ii ). XXXX, XXXX, and TransUnion each claimed to have conducted an investigation and assured me that any inaccuracies would be rectified. However, despite their assertions, the updated credit reports dated XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, all contain the same exact inaccurate and harmful payment history being reported in three different ways to each of the three agencies This continued inconsistency is deeply concerning and proves without a doubt that a fair investigation was not conducted, as the discrepancies remain unresolved. 

The gravity of this situation can not be overstated. These discrepancies have caused me significant financial damages, as they have negatively impacted my creditworthiness and hindered my ability to obtain a mortgage for my intended home purchase. Despite my repeated attempts to resolve the matter, a fair investigation has not been completed, thereby prolonging the adverse effects on my financial standing. 

In light of these circumstances and in accordance with 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) & 15 U.S.C. Section 1681i ( a ) ( XXXX ) ( A ), I demand that the two XXXX accounts in question be promptly and permanently deleted from my credit reports. Furthermore, I request a thorough and impartial investigation into the handling of my dispute by XXXX, XXXX, and TransUnion, to ensure that all relevant facts are considered and the appropriate actions are taken to rectify this situation. 

I have attached copies of the conflicting credit reports, along with any relevant correspondence and documentation, for your review and reference. I kindly request that you investigate this matter promptly and provide me with a written response outlining the actions taken to address these discrepancies. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure a fair resolution and rectify the damages caused by these inaccuracies. I eagerly await your response.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report this evening, and I can't understand why. I regularly monitor my credit report, but this time there were unexpected discrepancies. Even after refreshing my browser, the unauthorized inquiries remained. I'm pleading for a thorough review of the documents I've submitted so that I can finally stop worrying about this issue.
Product: Checking or savings account

In XXXX, Navy Federal alledged I had some returned checks totaling {$5000.00}. The company closed my account after a period of XXXX  months attempting to collect a debt. I did a UCC-11 search to see if I had any liens on me. To my surprise there were no registered recorded liens by Navy Federal on me. The collection department for Navy Federal insisted I owed a debt to them. Which if I do owe a debt. Why didnt Navy Federal registered the alledged debt with the Secretary of State in Hawaii which is required by federal law. Also, Navy Federal violated the Emergency Privacy Act of 1974 by furnishing my information to a third party non affiliated creditor reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a XXXX XXXX XXXXXXXX credit card from XXXXXXXX XXXX XXXXXXXX The account XXXX on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all 3 credit bureaus.