23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account areisshown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that this account has been inaccurately reported, leading to significant negative impact on my credit score. After conducting a thorough review of my financial records, I believe that this charge-off is incorrect for the following reasons : The account had been paid in full the balance on this account is XXXX and closed XX/XX/year>.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally complain about KeyBanks failure to honor their checking account promotion despite my repeated efforts to resolve the issue directly with them. 



In XX/XX/XXXX, I opened a checking account with KeyBank and provided a promotional code for a {$200.00} cash bonus upon completing the required direct deposits. I set up my direct deposit accordingly and should have met the requirements by XXXX or XX/XX/XXXX at the latest. However, I never received the promised bonus.

Since then, I have made multiple attempts to resolve this issue, including : Calling KeyBank customer service multiple times and using the in-app chat ( though previous chat records are not downloadable, as shown in the attached screenshot ). 

Leaving a voicemail at the branch where I opened my account, but never receiving a response. 

Visiting a different branch multiple times, where I had multiple appointments with XXXX ( proof attached ). He escalated my issue, but no resolution was reached. 

Speaking with XXXX XXXX see attached conversation history ), who assisted me in connecting with XXXX, the branch manager of the location where I originally opened my account. 



On XX/XX/XXXX, I received a call from XXXX, who stated that the banker who opened my account failed to enter the promotional code, which is why I did not receive my bonus. During our conversation, he asked for the promo code, but since KeyBank frequently updates its promotional pages, the old code was no longer available. Nonetheless, he assured me that he would look into the matter. 



I continued to give KeyBank time to resolve the issue, but after nearly a year of waiting, I believe I have exhausted all reasonable measures. 



Most recently, on XX/XX/XXXX, I visited the branch where I originally opened my account. I explained my issue to a banker, who messaged XXXX on my behalf. She informed me that XXXX would call me back on Monday, XX/XX/XXXX. I also provided her with the original promo code I had used at account opening ( I found that code online again for that period of time of the promotion ), which she documented. 



As of today, XX/XX/XXXX, I have not received any follow-up communication from KeyBank, and I do not believe I can resolve this issue without CFPBs intervention.

I am requesting that KeyBank honor the {$200.00} promotional bonus as originally advertised. The failure to enter the promo code was the bankers mistake, not mine, and I have fulfilled all the promotional requirements in good faith.

Thank you for your time and assistance.
Product: Checking or savings account

My employer uses Capital one for payroll purposes and we have not received our check for XX/XX/year>. This has caused me to become late on bills and possibly accruing late fees. I basically worked for free without being compensated and feel cheated. This has caused pain and suffering for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX I ALSO HAVE XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX, I MAILED A DISPUTE AND HAD RESULTS AS DELETED BY XXXX  AND XXXX  BUT EXPERIAN IS NOT REMOVING THE ITEMS, I ALREADY GOT A LETTER FROM THE COMPANY STATING THEY ARE REMOVING FROM THE CREDIT REPORTS, PLEASE HELP. ITS ONLY EXPERIAN WITH THE NEGITIVE ITEMS
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. 
Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. 
Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Debt collection

I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU
Product: Debt collection

Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Product: Vehicle loan or lease

They using my personal information which I was co signer on that Account and the party filled bankruptcy and I was release from all obligations on that loan inquiry and account still showing my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 collection accounts on my Equifax credit report from a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. I entered an agreement with XXXX to have these accounts deleted off my credit report since they were paid in full. XXXX sent me a letter that they have submitted for deletion to Equifax on all 4 accounts. I sent the letter from XXXX to Equifax myself showing them XXXX filed for deletion on the accounts. Equifax has refused to remove them even after 2 investigations and documents being provided to them from XXXX. All Equifax does is say they have updated the collection balance to XXXX and taken the letter i provided from XXXX showing they want accounts deleted and post it as my consumer statement and the accounts stay on my credit report. I have contacted both companies numerous times and gotten cooperation with XXXX but not with Equifax. XXXX has done all they can by providing a letter and submitting for deletion to Equifax with no results. I sent the same information to XXXX and XXXX credit agencies and they promptly deleted the accounts off my report with them. Meanwhile my credit score is severely affected while trying to buy a home for my family. Equifax has said my only option left is to contact CFPB and so that is what i'm doing. Please help.
Product: Credit card or prepaid card

After I complained about Pay pal the month of XXXX charging me all these late fees after I sent payment. I received an email that my account was suspended from Paypal. As I look at my account Pay pal did not but how much I owe for the month of XXXX either nor did they send me a bill. 

I received the first bill from Pay pal credit XX/XX/2020 that I owe XXXX for the month of XXXX XXXX. Then I looked in my account on the internet and found that they put as if I missed a payment on XX/XX/2020 for {$91.00}. 

Pay pal is conducting fraud and then charging extra fees to enrich themselves. I want to file a fraud complaint against them as they are misleading me that I didn't owe anything for XX/XX/2020 and malicious intended to suspend my account in XXXX and don't put I owe anything and later implement late payments. In addition, never sent a bill and I received the 1st bill ever on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported XX/XX//XXXX Experian XXXX/XXXX/XXXX Bankruptcy XXXX XXXX-Discharged I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX reported this account on my XXXX   credit report originally with XXXX XXXX XXXX back on XX/XX/XXXX. This account was disputed and removed from my credit report sometime between the original date reported and XXXX. On XX/XX/XXXX, this same account was added back to my credit report under Vance and Huffman LLC. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. Also the original amount listed was {$1200.00} and the new account show {$1200.00} on my credit report. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows Vance and Huffman them to place this information on my credit report. I've attached the response they sent me with paperwork that they've printed my name on but again no signature acknowledging i'm responsible for this account.
Product: Credit reporting or other personal consumer reports

These companies don't have my accounts listed correctly and its hurting my credit. I have asked them to update my credit to the proper bankruptcy status and instead of they are just noting the account. This is a violation of my consumer rights when it comes to my consumer report. I will list send the letters I have sent to them below in the attachment. 

I am also holding XXXX, XXXX, and XXXX liable as well for allow them to report incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Affirm Accounts # XXXX  / # XXXX / # XXXX / # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

as per Experian 's request for documentation, please see attached social security card and identification for my claim due to identity theft
Product: Credit reporting or other personal consumer reports

I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me. These listed accounts do not belong to me, which means that I am not the one who opened these accounts. I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and Equifax have failed to remove a fraudulent XXXX credit card and unauthorized charges from my XXXX XXXX  XXXX ( and closed the account citing my violation of their terms ) accounts from my credit report despite multiple requests and proper documentation. I have provided both credit bureaus XXXX, and XXXX XXXX  XXXX with : Multiple written disputes on XX/XX/year> and again on XX/XX/year> for XXXX ( they still did not comply ). 
Multiple disputes on XX/XX/year> and again on XX/XX/year> for XXXX XXXX  XXXX ( they still did not comply ). 
Copies of the FTC Identity Theft Report. 
Proof of identity verification. 

The fraudulent account still appears on my credit report, negatively affecting my credit score. Both agencies have failed to comply with the FCRA 's investigation requirements, and XXXX has not resolved the issue despite being informed of the fraud. I request the CFPB 's assistance in removing this account from my credit report immediately, as well as the XXXX XXXX  XXXX. XXXX has already complied with and removed both of them from my credit report, but XXXX and Equifax are failing to comply with the FCRA requirements with my report of identity theft. They also violated Section 605B of the FCRA by reinserting XXXX on the credit report AFTER the time requirement of four ( 4 ) business days. Under Section 605B of the FCRA, you are required to block the reporting of information resulting from identity theft within four business days of receiving the following : A copy of an identity theft report, such as an FTC Identity Theft Report ; Proper identification of the consumer ; and Identification of the fraudulent accounts to be blocked. 

I submitted all required documentation, including my FTC Identity Theft Report ( Report Number : XXXX ), proper identification, and a detailed list of the fraudulent accounts, which includes the XXXX  XXXX account. Despite their receipt of this information, the account remains on my credit file. 

Please refer to the attached documentation for detailed evidence of my correspondence and the unresolved nature of this issue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 dats later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints with Experian, I am a victim of identity theft by a family member. Experian removes the information and then puts it back on my credit report when it should be blocked. I have submitted multiple police reports from local police departments as well as id theft reports. Experian is compensated by these companys to report information weather its correct or not. Experian is violating my rights as an Identity theft victim. This has been going on for over a year and ruining my life I have attached the Police report along with other supporting information
Product: Debt collection

My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$320.00}
Product: Checking or savings account

My account was closed around XX/XX/XXXX according to what Bank of America told me, but it wasnt closed it was frozen for about a month and every time I called they will tell me that my account is closing and my money is frozen. So now my account has been locked since they and was closed XX/XX/XXXX I am finally waiting for my check to be mailed for my remaining balance and now they tell me that my remains funds are in the back office under review. Its been around 3 months since I was able to log into my account and they are holding my money.
Product: Debt collection

On XX/XX/2024, I sent to inform them they were in violation of Arkansas XXXX XXXX ( XXXX ) in the alleged attempt of a debt and also violating misrepresentation under FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from Synchrony Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by Synchrony XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and XXXX Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was mailed to an old address or I believe it took place when I lost my wallet for years back.
Product: Student loan

My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.
Product: Credit reporting or other personal consumer reports

During 2021 I was out of work due to Convid 19. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My XXXX also turn me over to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.