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

Key Bank Perpetuating a Fraud. 

On XX/XX/XXXX, I wrote two checks to pay for a title search to obtain a mortgage from what I thought was XXXX XXXX XXXX, under the name of XXXX XXXX XXXX, which I had found was bought out by XXXX  XXXX XXXX. 

As it turned out, this was a loan scam, and the person who cashed the checks was not a mortgage loan officer or worked for any bank. He was able to cash the two checks made out to XXXX XXXX XXXX with a fake stamp and a fake signature through Key Bank, which has stonewalled me with regards to my claim, stating that only my bank has the right to put in the claim. XXXX XXXX which is my bank has reviewed the checks and the agents from the Fraud Department at XXXX have determined that the signature is fake because this should have gone in as a deposit into the Key Bank account holder 's account, which by the stamps on the back was not put through as a deposit. 

At the time as I saw the checks being cashed out, there was only supposed to be one check for the amount of {$1700.00} and two checks were cashed as seen from my online bank account. The checks were written on XX/XX/XXXX and the money was withdrawn from my account on XX/XX/XXXX. I immediately contacted my Bank which is XXXX XXXX, and told them to put a stop payment on both checks on XX/XX/XXXX. XXXX XXXX refused. 

I then put in a Fraud Claim, which was initially denied, by XXXX XXXX as I wrote the checks. The agent at XXXX XXXX never told me that both my signature and the person who cashed the check 's signatures must be valid and not forged. The person who cashed these checks was not the intended recipient and therefore forged their name onto the checks to commit mortgage fraud. 

I found that there is evidence Key Bank, has been perpetuating a Fraud even before I became a victim. The State of Washington has issued a Fraud Alert, which I am attaching to this complaint. Key Bank as denied my claim with the reference number XXXX, even though they have been provided an affidavit of fraud. Furthermore, they had refused to disclose the person, whose account this was cashed against. 

Since the payments were mailed, this is also mail fraud and XXXX XXXX XXXX   stated that they were a direct mortgage lender, who refinance the original mortgage on behalf of my brother and myself at the mortgage rate of 2.99 percent and lower the payments from XXXX a month to XXXX. 

I already provided a notarized affidavit of forgery, which I signed and is attached to this complaint. 

Key bank is now refusing to refund the checks mentioned above, on the grounds that they need an affidavit of forgery from XXXX XXXX XXXX, is a fake company and signed with fake signatures. 

Therefore Key Bank is perpetuating a Fraud, by not disclosing the person who cashed the checks, knowing that they are liable for the damages or possibly closing that account knowing that it is being used to perpetuate a fraud. The bank is also refusing to disclose any information, as to who cashed the checks and therefore are perpetuating this fraud. 

Thank you for your time and assistance.
Product: Student loan

XX/XX/XXXX To Whom It May Concern : I 'm writing to dispute a derogatory event on my credit report which should be removed. AES ( American Education Services - Account XXXX ) erroneously stopped withdrawing payment from my account and never notified me of this occurrence. I was led to believe the debt had been paid. I had paid {$58.00} for 9 years, never missing a single payment. For some unknown reason, AES stopped taking out payment on XX/XX/XXXX and never contacted me. They closed the account with credit bureaus saying closed and complete, Then, I received a notice saying I was several months delinquent in payment and they had notified the credit bureaus. This is a mistake on the part of AES and they have indicated they would rectify this situation with you directly. However, it appears they have not done so for the full duration of the issue at hand. They were supposed to suspend delinquency reporting until the full situation was resolved - both with the credit agencies and the account status overall. Again, they did not do as they had promised through my various communications with them. As a result, I am following up with you now to have this derogatory event taken off my credit report. Below are my specific contact details as well as a timeline of the events. 

Please feel free to contact me at XXXX or XXXX. I look forward to hearing from you to resolve this issue. 

Regards, XXXX Personal contact details : Name : XXXX DOB : XX/XX/XXXX SS # : XXXX Current Mailing : XXXX, XXXX, XXXX XXXX Previous Mailing : XXXX, XXXX, XXXX XXXX Page 1 of 2 XXXX - Derogatory Credit Event dispute - continued Timeline of events : XX/XX/XXXX - I called AES after receiving notice from XXXX that I had an account 90 days late. I was never given notification of this issue or reason they stopped taking out the funds from my account - which has not changed in years. I was on this call for ~2 hours, speaking with XXXX and then XXXX . He did some research called me and then advised he would call me back. 


XX/XX/XXXX - XXXX calls back and says my account was put in review and suspended all " collection calls '' and admitted AES had made a mistake and would correct it with the credit agencies. 

XX/XX/XXXX - after many attempts I finally reached XXXX again, explained the situation another time and he again assured me the matter would be taken care of. I never hear from him again. 

XX/XX/XXXX - I receive a call from XXXX of AES. I explained the situation another time. He spent 20 minutes reviewing my account. His employee ID is XXXX. He assured me they would handle this matter. Nothing was ever done. 

XX/XX/XXXX - I reach out again to AES and this time speak with XXXX, explaining the situation again. She advised I would receive a note saying the derogatory event would be taken off all of my credit reports. I 've attached the note I received but again, nothing was ever done. 

I waited patiently for action to be taken but nothing happens. 

XX/XX/XXXX - I reach out directly to all credit agencies to dispute this issue I have also started the process of retaining a Lawyer.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven years. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my government issued state id, Inwhich is my only address, all other addresses on my report should be removed
Product: Credit reporting

I received my EXPERIAN & XXXX credit report and discovered that XXXX XXXX Delaware, hadhad unlawfully without my written authorization fraudulently viewed my creditreport on XXXX/XXXX/2015 in violation of FCRA. I did not authorize any employee of this comp. 
to review my report. This conduct is in violation of my privacy Act.
Product: Credit reporting or other personal consumer reports

XX/XX/23 In accordance with the fair credit reporting act, Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it 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 card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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: Debt collection

I was in desperate need of additional funding to sustain my quality and standard of life that I've always had which was when I chose to go to Wells Fargo, my personal bank that holds my checking account and was granted XXXX on a private student loan with variable or fixed interest on them. I chose fixed and then the semester to follow I decided I needed a second one where I was granted another {$8000.00} so XXXX dollars in two semesters. Interestingly enough on the second loan I chose variable interests and notably the adverse choice I made when deciding on the interest variable on the first loan. This alone exhibits a general lack of knowledge and understanding though I asked the questions the banker failed to properly inform me of what these actually meant as far as APR rates, percentages, how this could positively or. negatively hurt me when it comes time for repayment or anything clear of that nature. I struggled with a lack of knowledge and understanding because the teller failed to answer my persistent and notably reasonable questions someone taking out their first loan may have the banker assisting in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a motor vehicle accident on XX/XX/XXXX Part of the ambulance bill ( XXXX ) was not covered by insurance and was sent to collection prior to me being notified that there was a balance due. 
Wakefield & Associates sent me a bill dated XX/XX/XXXX for {$500.00} Payment was made in full on XX/XX/XXXX which was processed on my spouses credit card and shows as paid. 
In XXXX I noticed the collection on my credit report when my credit score dropped. 
I contacted W & A on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all of which I was notified that they are going to escalate the matter to a supervisor which has not happened. I have offered to send all my documentation showing that the debt was paid in XXXX and that my credit score is dropping due to this mistake. The company has made no effort to correct their error which is negatively affecting me.
Product: Mortgage

Suntrust seems to PURPOSELY not answering their mortgage line for customers seeking help/payment arrangements due to COVID-19.

I have called 4 days to wait on the line for over 4+ HOURS!!! For no one to answer or respond. And TWICE the line just disconnected on it's own. This seems undoubtedly intentional. I have several screenshots to show the ridiculous hold times. NO ONE should have to wait this long for ANY service, much less, to NEVER get an answer.

Please look into them allowing this on purpose to prevent costumers from getting relief services. Thank You
Product: Credit card

Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt.
Product: Bank account or service

Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.
Product: Debt collection

My private and personal debt information was given to a 3rd party who had no legal reason to obtain this information.. My information was illegally disclosed in detail regarding the type of complaint, the amount of complaints and the nature of the complaints. Nothing was confirmed and all my private information was released to an unauthorized party. XXXX from XXXX XXXX contacted me, my employer, my wife and my brother. The employment was verified, my wife didnt answer the call and my brother was the 3rd party to whom this information was illegally disclosed. My brother does not represent me, my finances nor does he have any legal representation to be given details about my personal matters. This company states that they record all conversations for quality porpoises. I would like them to provide this recording and stop these illegal practices. I am seeking legal counsel to address these illegal activities as they violate the FDCPA.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX  days before the payment due date. 


XXXX EXPERIAN 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Mortgage

Good evening. I would like to submit a complaint regarding the way TIAA bank handled my mortgage buyout. I did not authorize this buyout and I wanted to stay with my lender and mortgage company XXXX XXXX out of XXXX  XXXX. This FL company bought my mortgage out and did not send me any confirmation and all the calls went to my XXXX spam account for fraudulent numbers. I did not know they were buying my mortgage, because I work on the road and was not home, and when I finally figured out they did buy it I was hounded on the phone for over {$3000.00} dollars. I told them my mortgage company was XXXX and they did not care because they needed me to pay my late fee and my 60 day late notice. I paid everything in lump sum and moved on. I did not receive any mail and I did not know what was going on. Please help me take off this 60 day late notice off my credit record so I can get a good refinance on my house and an equity cash out to help fix some of the renovations. I paid this TIAA bank in full and we moved on BUT I did submit a claim with XXXX  and I complained to the TIAA banking manager numerous times to help me take the late notice off my record. I have not missed any mortgage payments since and I am always on time with all my payments. I need my credit record cleaned up because this TIAA bank will not help me and they are making it very difficult. Recently they just changed my account number to a new website/sister company and it is even more difficult to just work with this company. I am changing my mortgage over to a new lender but I do need my credit score fixed before I do so. Thanks for all your help and hopefully we can resolve this.
Product: Credit reporting or other personal consumer reports

According to per usc 1681 I did not authorize the reporting offices. All three major credit bureas 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 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 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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: Checking or savings account

On XX/XX/2022, my savings Account XXXX XXXXXXXX was either frozen or closed I dont know. everytime I celled regarding my XXXX account no one knows anything either what to said. Everyday I called different people says different things even has telling me go to a branch and your XXXX account money will be given to you which its a lie all this situation had me with depression, anxiety and mental breakdown and drainage. I XXXX my job, because of this and since all this Ive has been visiting a XXXX XXXX is not a joke. Whats the problem with Truist bank staying with people money just like that, money I made by working and part of my unemployment. I need and want access to my XXXX account before I put a lawyer on this matter. This isnt right playing with the savings of people just like that.