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

My Father passed away in XXXX of XXXX. On XXXX XXXX Key bank took monies out of 3 different accounts with no prior notice. 
{$1700.00} out of a fiduciary account for my Dad, putting this account into a negative balance. 
{$91.00} out of a checking account belonging to me with my father 's name also on it. 
{$97.00} out of an account my wife and I hold jointly ( no connection to my father ). 

I immediately went to the XXXX XXXX branch and spoke to the manager. I said I would try to contact the VA to address the issue. 

I reached someone at the VA on XX/XX/XXXX, XXXX told me they had not authorized this and that the last activity on my Dad 's account was the report of his death. 

In the meantime, Key Bank ( because my fathers account was overdrawn by them ) reported my father to a debt collector. I again went to the XXXX XXXX XXXX and spoke to the same manager who told me brusquely, " once it's overdrawn it goes to collections. Nothing we can do. '' My wife is applying for a new job with the government and is concerned this unjustified Debt will affect her ability to get the required security clearance.

Key bank then closed 2 accounts, including the one I had been using as a checking account. This resulted in me having to spend additional monies to order more paper checks. 

The last insult arrived last week in the form of a bill for {$59.00} for a safety deposit box, that was tied to one of the accounts Key closed without authorization. The notice arrived marked Past Due.

Key bank has denigrated my fathers name by sending him to his grave a debtor. Key Bank has taken monies from my family and are now attempting to monetize my fathers death.
Product: Credit card or prepaid card

My bank and credit cards were stolen, whilst staying at an XXXX XXXX. I reported what happened to my Capital One Credit Card and supplied them with the police report, the court records, the XXXX XXXX investigation, including my correspondence with them, and my XXXX Bank Statement, including the outcome of their investigation. 

Capital One stated that it was not enough information, even though the court records and police reports states that the suspect confessed to stealing my bank & credit cards, and using them without my permission. Capital One when one to further state, that I am liable for those fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address XXXX XXXX XXXX XXXX never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company, agreed to pay with deletion, company agreed to accept payment with deletion, however, account is still reflected on all three credit reporting agencies. The amount agreed was paid in full, but no deletion occurred.
Product: Debt collection

This company- Direct Capital continues to Robocall my phone number. I am NOT on a debt with them, nor am I the person they are trying to contact. They continue to hang up on me when I ask them to stop calling me and will not remove my information from their calling queue. I have reported them previously for disclosing the nature of the debt to me when I am NOT their debtor. It is a violating to robocall a cell phone that is not provided to them as the debtor
Product: Debt collection

No debt verification received, contacted company and was told i would be provided information i was not
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to have my information updated on several occasions but my information has not been properly updated, when i check my credit report my name isn't updated, previous employer i no longer work for is still being reported, my date of Birth is not accurate. General report from this Bureau has not been updated in a long time as done by other Bureaus on a monthly basis. Below is the full request i submitted and an uploaded document of how my personal information looks when i check my report. Lastly i submitted all requested documentation to prove that my request was valid but yet no satisfactory change were made. 


Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  PA-XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. 

This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI also noticed that my name appears to be misspelled on my credit report XXXX My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Paying every two weeks XXXX dollars. The original loan was XXXX. Total amount I have to repay is XXXX, XXXX. I just feel that it is unfair lending practices. I have rent that is XXXX dollars a month. I am basically living off one paycheck which I have to pay this company out of.
Product: Credit card or prepaid card

The gift card retailer is Vanillagift.com ( aka incomm.com ) I purchased 3 gift cards and 2 of them were used by someone else fraudulently for purchases I did not approve. 

Card 1 : I purchased the card with a {$50.00} balance and someone used it to purchase {$17.00} fraudulently from a XXXX pharmacy in CA Card 2 : I purchased with a {$320.00} balance and someone used it to purchase {$210.00} fraudulently from a XXXX in XXXX XXXX I have filed complaints with Vanillagift.com ( incomm.com ) with no resolution. After researching, it seems this is a common trend for this company.
Product: Debt collection

I've been getting over 9 calls a week, sometimes 2 times within the same hour.
Product: Credit card or prepaid card

On XX/XX/XXXX ( {$960.00} ) and XX/XX/XXXX ( {$900.00} ), I purchased an XXXX ( 2 total ) with the Apple Card. I specifically asked for the installment plan on both ( see attachments ). I did not get the installment plan on either. I got a {$1800.00} balance due on the card. I spoke to the Goldman Sachs rep via secure chat ( see attachment ) and was told in writing they would fix this. Today, on XX/XX/XXXX, I was told by Goldman Sachs their rep was wrong, and they will not fix it. This is classic bait and switch on a promotional offer.
Product: Debt collection

I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.
Product: Debt collection

Charged {$320.00} for monthly service that was not provided, phone bills with zero call logs or data usage, no equipment ( phones tablets etc ) ever purchased with XXXX XXXX XXXX
Product: Student loan

I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I filed a dispute on XX/XX/2021 for {$2900.00} for an order I placed for rare houseplants from XXXX. The box was r wet toy no evidence they put them inside from seller. They did not ask for any evidence or photos which I had available. I was notified XX/XX/2021 that it was found to be valid with no notification by mail received or asking for evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am disappointed with Paypal Resolution Center. I was misguided by a fraudulent website, XXXX XXXX XXXX XXXX ( XXXX ; XXXX ), to buy tickets ( XXXX USD $ and XXXX USD $ on XX/XX/XXXX ) for a XXXX show that will happen 6 months from now ( XX/XX/2023 ). I never received the tickets or any proof to download the tickets. I opened a claim ( case XXXX and XXXX ) and a dispute to XXXX XXXX XXXX at Paypal, and they denied it, saying that I received the XXXX, which is not the truth. I called them many times, trying to explain that I never received any ticket or any link to download them, and the Resolution Center is giving the reason to the seller. I need support to receive the money back ; thank you.
Product: Student loan

Trellis Company  is the problem;1. They claim I had student loans when I wasn't in school.2. They claim that I was somehow able to borrow more each year than the legal limit.3. I am a XXXX in a district that is considered a low income school district and somehow I am unable to receive debt forgiveness. I have never been given a reason why I do not qualify.4. Trellis  garnished my wages without my knowledge. The letter they sent to me was dated XX/XX/2019 but they garnished wages in XX/XX/2019.5. The federal promissory note that Trellis  has;   a. Is Not signed by me (It has someone else's signature)   b. an address that belongs to my mother, an attorney, in Texas that was dealing with Trellis  last year.  c. missing information
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to XXXX, XXXX, and Transunion containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!!

These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I noticed a couple of unauthorized inquiries on my credit report, one from XXXX XXXX XXXX and the other one from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by 21 points. It appears that XXXX XXXX  has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 
Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current.

Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted XXXX via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have XXXX XXXX ( myself included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX. 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX
Product: Debt collection

I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX - BALANCE {$71.00} XXXX XXXX  XXXX XXXX XXXX - BALANCE {$370.00} XXXX XXXX # XXXX XXXX # XXXX - BALANCE {$18000.00} XXXX # XXXX - BALANCE {$9700.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$770.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - BALANCE {$440.00} XXXX XXXX XXXX # XXXX - BALANCE {$370.00} XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1700.00} -DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XXXX BALANCE {$540.00} XXXX XXXX # XXXX OPENED XXXX BALANCE {$950.00} XXXX REVENUE # XXXX -DATE OPENED XXXX BALANCE {$1400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX DEAR EQUIFAX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my report 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 THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY I also request that the information with my address and phone numbers along with aliases of my name be corrected i go by the name XXXX XXXX only.please remove any other names you have reporting falsely on my report. 

please remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Product: Debt or credit management

Trying to get a birthday gift for my great aunt and I went to withdraw {$200.00} for her gift before I seen her at her home a couple weeks ago and Ive been waiting to see if it reverts to the right charge but I still yet to see a change on my checking debit card I used to do the withdrawal
Product: Student loan

They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!
Product: Student loan

Called on XX/XX/22 and requested refund of payments made during COVID pause. Balance was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$5100.00}. Refund was short {$1000.00}. Still need refund of {$1000.00} that was made during COVID Payment pause.