23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Id like to file a formal complaint against KeyBank. 

In XX/XX/2022, I received a promotional offer in the mail from KeyBank offering me a 0 % interest credit card on balance transfers. My limit was {$7500.00}. I conducted a balance transfer on XXXX XXXX in the amount of {$6000.00} from XXXX to KeyBank. I remember speaking to a male over the phone ( who works with KeyBank ) to conduct the balance transfer. The male who worked for KeyBank was friendly and reassured me I was receiving the promotional offer. Because I no longer had the promotional offer in hand, I remember asking the KeyBank employee if I was still within the time frame. The promotion was advertised as 0 % interest on balance transfers, but I would pay interest on additional charges applied to the credit card. 

In the months following, I maxed out my card at {$7500.00}. Therefore, I was expecting to be paying interest on the {$1400.00} balance that was not part of the balance transfer. I reviewed back statements to assure I was paying more than expected in interest. 

Fast forward to XXXX XXXX. I called KeyBank to ask what my current interest rate was. I spoke to a nice lady named XXXX. XXXX informed me my interest rate was 14.24 %. XXXX also informed me that I had been paying interest for the balance transfer in addition to all charges racked up on my credit card ( I have been paying interest since XX/XX/2022 ). I spoke on the phone with XXXX for over an hour on XX/XX/2022. By the end of our conversation, XXXX got in touch with a female supervisor who stated, The call back in XXXX when the balance transfer took place was no longer recorded because it had been longer than 5 months. The KeyBank supervisor also stated, I found the promotion that should have been applied to your account and I will get the interest youve paid over the last 5 months, credited back to your account. 

On XXXX XXXX. I missed a call and voicemail from XXXX. When I called back, I spoke to a male supervisor who informed me that after investigation, I missed the promotion by a few days, and I do not qualify. I explained in detail to this male supervisor with KeyBank the situation and explained my frustration due to being told twice, I would be given the promotion. I would have never transferred my balance from XXXX to KeyBank, if I had not been promised the 0 % promotion ( my interest rate was lower with XXXX than it is with KeyBank ). 

I feel KeyBank was dishonest to gain my business. I was not issued the interest rate as advertised on the promotional offer they mailed to me.
Product: Debt collection

XX/XX/2020. I called and filed a dispute on the account. I never received notifications and the originator XXXX XXXX XXXX stated they could not provide information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month I have to call in and dispute the inaccurate information being reported by XXXX XXXX XXXX. They are reporting this account as being open and active and past due over XXXX dollars. This account should be closed and has been closed for over 3 years. I have made numerous calls to have this matter resolved to only have it reappear each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently..
Product: Credit card

I spoke with One Main and let them know that I am working with a debt consolidation company and that company will be contacting them appropriately XX/XX/23. I continue to get calls even after I had the discussion which is fine if they feel the need to continue calling until XX/XX/23. However, there was a call that was placed to my work shared business phone line from a number that came up as XXXX. They started discussing my personal financial information on this line without any sort of verification on whom they were speaking with. My concern is that my information is being shared without any sort of validation or business need to know... I think this is possibly a privacy violation.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters as I have received a letter in XXXX stating that all my student loans will be forgiven, but some of them are still listed on my credit report.
Product: Credit card or prepaid card

American Express offers a " pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and " they '' set the criteria. I asked who " they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the " pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened an account with TD/XXXX  Account XXXX XXXX This account was set to autopay but it was attached to the wrong account, as soon as I was made aware of this issue I got it all straightened it out and paid it off.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX ENDING IN XXXX LATE PAYMENTS REPORTED ON XXXX AND XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX REPORTED XXXX XXXX, XXXX AND XX/XX/XXXX, XXXX LATE PAYMENTS REPORTED FOR XXXX AND XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED LATE FOR XX/XX/XXXX AND XXXX AND XXXX OF XXXX AND XXXX, XXXX AND XXXX OF XXXX, XXXX XXXX XXXX  XXXX REPORTED LATE FOR XXXX, XXXX AND XXXX OF XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Debt collection

i check my credit report and notice a collection from JEFFERSON CAPITAL SYSTEM on XX/XX/2020 with an alleged debt of XXXX $ that i don't owe or never sign up for this account with XXXX direct marketing.I sent them a letter requesting validity of the alleged debt  in question along with other information on XX/XX/2020 in which i have not receive anything as of yet.I also attached a copy concerning this complaint.
Product: Credit reporting or other personal consumer reports

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 reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX XXXXXXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all XXXX major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are my notes from this dispute ... navient says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan!

Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through navient for a promissory note but none has been provided or found when asked from navient XXXX navient ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute 1-15 days pw : XXXX! 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XX/XX/XXXX- complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to navient lawsuit in progress
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and XXXX have yet to provide me with their methods of Verification for a Santander loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to update my credit report, even though they were informed by XXXX XXXX that the two hard inquiries dated:XX/XX/2019 & XX/XX/XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to TransUnion.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws. 

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Checking or savings account

I filed a fraudulent transactions case # XXXX on XX/XX/XXXX with XXXX XXXX. for a total of XXXX  unauthorized charges and XXXX  incorrectly reversed permanent credits for a total amount of {$780.00}. Rather than combining the transactions into a single written complaint XXXX  made me check a box confirming these charges unauthorized XXXX  individual dispute forms. They required each written form be sent to them individually in a secured message in the mobile app as well. XXXX  disputes were issued provisional credits in the amount of {$160.00}. Without warning they closed my account and mailed me a check # XXXX for {$160.00}. I have been unable to get any check cashing company or financial institution to cash this check for me to date leaving me utterly broke for the rest of XXXX. And because my account was closed so late in the month I have not been able to receive my XXXX XX/XX/XXXX payment and now can not pay my mortgage, utilities, or credit card payments. Additionally, my XXXX is starting to suffer as a result of this company 's inaction except to cause me financial ruin. I need XXXX  to issue credits for tge remaining unauthorized transactions, remove any derogatory reports made regarding this accountfrom the XXXX XXXX XXXX XXXX, and provide me with immediate access to my funds via a non-refillable XXXX so I am able to have immediate, unfettered access to my government payment. XXXX XXXX has further victimized me with these actions rather than make any efforts toward protecting me as their customer from consumer fraud. I want CFPB to look deeper into XXXX XXXXXXXX XXXX inappropriate mishandling of permanent credits issued from online fraudulent transactions that occurred more than XXXX  months ago. I discovered all the credits issued had secretly debited from my account after the XXXX  days deadline without any type of notification of said actions. In fact, everything about XXXX XXXX is wrong. I couldn't cash or negotiate a paper check nor would they verify funds to Three different financial institutions. They refused to proved me a pin number to be used with their virtual debit card this as well.
Product: Credit card or prepaid card

Citi Bank closed my secured credit card and I always paid it on time I had the account since 2019 I have nothing to show they closed my account except I was told over the phone after trying to make a payment that it was closed on XX/XX/XXXX but no explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my XXXX  credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called Santander on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Product: Debt collection

I received a voicemail from PMT Solutions at XXXX on XX/XX/2018. Their address is XXXX XXXX XXXX XXXX, XXXX, XXXX WA, XXXX and their phone number is XXXX. The voicemail stated no creditor, no amount, and no debt of the claimed debt. This is a violation of the FDCPA. 

I don't owe any debts other than a mortgage on my house. My FICO score is XXXX and XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about my credit report and I noticed there are tons of fraud on my account and I never applied for a loan or did business with these people and my ID and my social security card was stolen and i fax a police report/and identify theft report FTC and Equifax refused to honor my request and the investigation took more than 90 days and I havent had those accounts deleted/removed off my report such as XXXX XXXX XXXX XXXX  balance amount XXXX XXXX XXXX XXXX XXXX XXXX balance amount {$820.00} XXXX  XXXX XXXX balance amount {$220.00} XXXX XXXX XXXX  balance amount XXXX XXXX card balance amount $ credit limit is XXXX XXXX XXXX XXXX balance amount {$500.00} XXXX  XXXX XXXX balance amount is {$2000.00}
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Vehicle loan or lease

I had bought a car in XX/XX/year> and XXXX months later the engine is damaged, I asked them to help me fix the car, and that it be increased in my loan they refused, I am unable to pay the car because I work with it.
Product: Checking or savings account

Took over XXXX dollars twice from a XXXX XXXX