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

I've always pay my bills on time, I know this for sure. I don't understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Debt collection

I have continued to see on my credit report an account with the company name 'PROF DEBT ' with a note that says original creditor was named 'XXXX XXXX  ' in the amount of {$2600.00}. It states this is an individual debt. 
I am not familiar with either of the names given nor do I have any negative account with this large of a balance. 
I have disputed this numerous times with all the credit bureaus yet the collection continues to stay on my credit report and will not be removed. 
I believe this is a significant infringement on the Fair Credit Reporting Act. I have yet to be provided any sort of verification of this debt and believe the company responsible for placing it on my record is doing so with the awareness of their fraudulent behavior.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub> 2025 KeyBank Complaint I ( XXXX XXXX ) went into KeyBank with my Identification and a KeyBank check. Someone asked, Do I ( XXXX XXXX ) want to open an account an take {$100.00} of the amount? I ( XXXX XXXX ) said, No! I ( XXXX XXXX ) just want to cash the check. The KeyBank Branch manager ( XXXX XXXX XXXX stated that he could not cash a check for that amount. I ( XXXX XXXX ) contacted the Executive Office of KeyBank at XXXX XXXX XXXX XXXX. The Executive Representative of KeyBank informed me that I had to give them notice in advance to cash a check for that large amount. The KeyBank Executive Office Representative instructed me to show KeyBank Branch Manager ( XXXX XXXX ) the check. Allow the KeyBank Bank Manager ( XXXX XXXX ) to look at the amount on the check. Ask the KeyBank Bank Manager ( XXXX XXXX ) how long do I have to wait for the funds and return to KeyBank Branch and cash the check. I ( XXXX XXXX ) returned to the KeyBank Branch on the date that the KeyBank Manager states and cash the check. The KeyBank Executive Office Representative gave me a case number # XXXX and a Reference numberXXXX. I returned to the KeyBank Bank and spoke to the KeyBank Manager - XXXX XXXX and he stated that it is nothing he could do with the check for that large of amount. I ( XXXX XXXX ) gave the KeyBank Manager the Case number, Reference number, and phone number to call to speak to the Executive Office Representative XXXX. The KeyBank Manager ( XXXX XXXX XXXX stated that he did not need to speak to the KeyBank Executive Office Representative because Keybank do not cash checks for that amount. I contacted KeyBank Executive Office Representative XXXX and he stated that XXXX was out and XXXX would give me a call as soon as she returned. I called KeyBank Executive Office the first Representative wanted to get my Social Security number to confirm that it was me. I asked Why are you requesting my social security number and informed them that my social security number has nothing to do with me cashing a check. KeyBank Executive Office Representative XXXX informed me that she was investigating this I asked, what are you investigating? Your customer is a KeyBank customer. That customer wrote me a check. I ( XXXX XXXX ) went to KeyBank to cash the check. I ( XXXX XXXX ) presented my Identification and the check for KeyBank Bank. I wanted to find out what was the hold up and what do you have to investigate. The check has the name of the company along with the phone number. I ( XXXX XXXX ) dont understand why at first you want me to open up an account take a {$100.00} of it and then you need my social security number. I ( XXXX XXXX ) provided that information and yet you have not cashed the check. Your customer has an account with KeyBank and that customer wrote me a check and Im here to cash it. You are trying to force me to open up an account instead of cashing the check. No one should go through all this to cash a check! KeyBank Branch ManagerXXXX XXXX XXXX XXXX XXXX CT XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle is not acting right payments been sent that I wasnt aware of and I see there is a lot of complaints also so I need someone to expand to me how to get my money back from in authorized payments
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX - I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX concerning a water bill account that XXXX continues to report monthly. The documents provided by the XXXXXXXX XXXX XXXXXXXX do not match the information displayed on my credit report. This discrepancy may constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer reporting. In addition, Ive highlighted the concerns regarding the billing process for XXXXXXXX XXXX XXXXXXXX. For example, XXXX XXXXXXXX is XX/XX/year>, reading XXXX. However, the next day XX/XX/year> reads XXXX gallons of water. This amount would fill approximately XXXX standard-sized bathtubs! Their billing practices are deceptive, immoral and inaccurate! Evidence attached!
Product: Debt collection

Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?
Product: Mortgage

I have a complaint about my Bank of America mortgage. Bottom line, they canceled my autopay, then repeatedly charged me late fees and then made it impossible to reinstate the autopay. Furthermore, they said they reinstate autopay until the payment is coming from a BOA account. 

I had auto pay set up my mortgage for ten years. The bank in XX/XX/XXXX changed my escrow amount and then canceled my autopay in junk mail from XXXX XXXX, XXXX. Subsequently, my mortgage went to " past due '' status in XXXX XXXX, XXXX. When I then called to make a payment in XXXX XXXX, they would not reinstate the autopay because the account had been in " past due '' status. They advised me to call back the next time a payment was due to reinstate but this is part of the scam. This happened again in XX/XX/XXXX and XX/XX/XXXX. They hope you will forget so they can charge me another late fee. 

I spoke to customer service representative XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX " Dept Of ED/NELNET '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/NELNET have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Experian credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/XXXX XXXX Company name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Company name : XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Company name XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Company name : XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Company name : XXXX  Date of inquiry : XX/XX/XXXX XXXX Company name : XXXX XXXX XXXX I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore I must request your help in resolving this matter, in accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me the updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Checking or savings account

Chase refuses to reverse fees and follow their own processes and procedures. I should not have to call the bank and inquire daily if I have charges that I can not see on my account, pending or posted. I was charged the NSF fee from a XXXX 's When I called the bank, I was told the fee was based on charges from XX/XX/XXXX. However, when I checked my account there are no charges from XXXX on XX/XX/XXXX. If they were honest about when the fee posted, which was XX/XX/XXXX, they would have to acknowledge the fee posted THE SAME DAY AS THE XXXX charge posted. They would have acknowledge that was not sufficient time to resolve prior to incurring the nsf fee. That was the advise from XXXX, to " monitor my account daily ''. And since there are NO CHARGES, even now, showing on my account for XX/XX/XXXX from XXXX, pending or posted, how is it that I have NSF fees based on charges from XXXX? Since Chase says they operate on " real time '' I should have been sent an alert on XX/XX/XXXX and the charges should have shown " pending '' until it fully posted on XX/XX/XXXX. If the XXXX 's charges showed pending on XX/XX/XXXX, then monitoring the account daily would have helped. But that is not the case - NO CHARGES FROM XXXX EVER APPEARED ON MY ACCOUNT. And if I were monitoring my account daily, there would have been NOTHING TO SEE because there were no PENDING OR POSTED charges ever for XX/XX/XXXX from XXXX. For XX/XX/XXXX, there were never charges showing, no charges pending, no alert was sent about as I have scheduled. If I had been monitoring my account daily, I would have seen NOTHING, so that would not have helped me. Yet, I am being charged {$34.00} for not knowing about it and never allowed the opportunity to resolve prior to incurring the fee. As a result of Chase 's actions, the charges and nsf fee appear on my account on the SAME DAY, in which case, even with monitoring, there was never an opportunity to resolve. 

I was advised previously by Chase employees via phone the following : 1. ATM deposits of cash made the same day will be effective on that day. 

I made an ATM deposit at XXXX XXXX after work, the SAME DAY of a charge from XXXX that was pending. Chase refuses to acknowledge it because it was made after their imaginary " cutoff '', of XXXX XXXX and I live in XXXX XXXX. The average reasonable person, understands " same day '' means prior to midnight, and in their own time zone ( mine is Central ).
Product: Student loan

As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!
Product: Credit card or prepaid card

I received a targeted email from Capital One in XX/XX/XXXX inviting me to apply for the Quicksilver credit card ( a card I previously had but was closed due to inactivity ). I applied on XX/XX/XXXX, and surprisingly, was immediately declined even though my credit score, based on Capital One 's XXXX tool, was XXXX or " Excellent. '' As I monitored for the adverse action notice, I continued to receive similar advertisements targeted to me about the special Quicksilver card offer. Upon reviewing the adverse action notice, I felt deceived as Capital One 's XXXX indicated I had excellent credit. I was planning to file a complaint at that time but time slipped away. 

Fast forward to XX/XX/XXXX. I received a similar advertisement via email indicating that my " loyalty hasn't gone unnoticed, '' inviting me to once again apply for the XXXX card. I applied again on XX/XX/XXXX, and was immediately declined. The adverse action notice I later received ( dated XX/XX/XXXX ) indicated my application wasn't approved based on the " number of bank cards tradelines opened in the last 24 months '' and that " there are too many revolving accounts. '' This is concerning as the advertisement was targeted to me even though Capital One 's XXXX tool already outlined the number of new accounts I had opened within the last 24 months as well as the available credit across all accounts. Furthermore, based on Capital One 's XXXX tool, my score actually declined since previously applying in XX/XX/XXXX ( to XXXX ). Although Capital One 's advertisement indicates within the " Frequently Asked Questions '' section that " your XXXX credit score will not factor into the decision to approve or deny your application, '' it is a misleading tool. It is like Capital One saying we are going to create this tool to help you manage your credit score, but we aren't going to stand behind it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I certified mailed Experian ( XXXX XXXX XXXX XXXX XXXX ) notifying Experian they are violating my right in accordance with the Fair Credit Reporting Act. Experian did nothing to resolved this request. The accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 2. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 3. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 6. ) Account Name : XXXX CXXXX XXXX Account Number : XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section. 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 7 years.

15 U.S.C. 1681s-2 ( 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 accurate. 
15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumer 's file at the time of the request. except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

Eagle loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed for debt consolidation with XXXX XXXX XXXX XXXX XXXX since I've went into debt related to job they've been contacted by my debt team and will not stop harassing phone calls to my employer after I and HR told them to cease communication with my employer by phone and emails sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my previous complaint being closed with no resolution, I am filing another complaint. Credit Acceptance is inaccurately reporting on my credit report. The vehicle was repossed ONE time, and that was the only time. I never once redeemed the vehicle after the voluntary surrender due to the predatory rates and prices. You can see in the response from Credit Acceptance, the amount they are stating is owed is not the same as reported on my credit report. I have called and asked for proof of the vehicle being redeemed. No proof is able to be giving. They have re-aged this account MULITPLE times, and re-aging is illegal. Under my rights with the FCA, this account should be removed from my credit report immediately. Until this is removed, I will continue to dispute and make complaint after complaint because no persons deserves to have this hanging over their head for 7 years ESPECIALLY with inaccurate information.