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

My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.
Product: Student loan

I had a Student Loan classified under Private Loan with Sallie May back in XX/XX/2004. After my XXXX program ended, I didn't get a job that would allow me to make the monthly payments on the loan. Instead of Sallie Mae to assist me in lowering my payments, I was tricked into forbearance and deferments. After the end of each deferment or forbearance, I would make payments for a few month but it was unsustainable and I would stop making payments and defer once again. 

All along, the loan kept accruing interest and increase. I would be called by their customer service and harassed and threatened. The loan accrued interests and it is now almost {$30000.00}. Now they changed their name to Navient but the loan amount is still increasing till date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/year> ( XXXX ), later in the evening ( XXXX XXXX ), I noticed XXXX fraudulent/unauthorized transactions of {$250.00} each, totaling {$750.00}, made in XXXX XXXX XXXX XXXX using my debit card. I immediately called Chase Bank and informed them about the fraudulent transactions. They told me they would provide an update. Since the bank was closed until Monday, I visited a nearby XXXX branch in XXXX. Upon arriving, I saw that the {$750.00} had been credited back to my account. I withdrew some cash and returned home. However, when I opened my XXXX app today ( XX/XX/year> ), I saw that the {$750.00} had been removed, and my account is now overdrawn. They had assured me that the amount would be reimbursed, but I have not received it yet.
Product: Credit card or prepaid card

As I have attempted to rectify this ordeal, and unsuccessful at doing so, as VS, CB, & CEO 's are not cooperating. There is a {$300.00} limit however they locked the card because of my attempt to ask questions that they are misleading on and shows {$0.00} is available. Victoria Secret, Commenity Bank and the CEO 's has suspended authorization for further use of the credit card, A violation of 15 USC 1602 ( p ). All while demanding payment, failing to disclose they are a debt collector per 15 USC 1692 E ( 11 ). I reserve all rights as the Consumer to enforce being treated fairly per 15 USC Chapter 41 subchapter V, without injury ( s ). The allege balance due are mostly fees and interest as they constantly violate my rights per 15 USC 1692f ( 1 ) and shut me down when I attempt to resolve this matter telling me I have no rights. I was told they are the 'original creditor ''. I have lost sleep because of this. This has cause mental anguish and the lost of many opportunities for my family that I now see a therapist for.
Product: Credit reporting or other personal consumer reports

My wife and I had a Barclays Credit Card that had a XXXX balance. They wanted to charge us the annual fee of around XXXX dollars, so we requested closure which after back and forth they said they would... Then they did not so we had an outstanding balance of less then XXXX dollars from their fee. We paid it and closed account. They decided to put a negative comment on credit report and failed to let us know To me this is deceptive and poor practices for a card that has a XXXX balance.
Product: Mortgage

There had been a 3 month issue regarding an additional hazard insurance that was added without permission. It was removed but I was never given reason as to why it was added in the first place. Also, my payment has increased from {$760.00} to {$790.00}, even though my correct insurance only increased by {$8.00} for the YEAR. I am getting overcharged monthly. And I did not get answers about the reason the additional insurance was added before. I had to make a federal complaint before to get the additional incorrect insurance resolved before and now the company is not taking initiative to resolve this. I contacted the company on XX/XX/2018 and received the following response : " We have received your recent inquiry regarding your mortgage account. Please contact our insurance team directly at XXXX for further assistance.Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. '' The insurance issue was corrected, it was the payment that needed fixed. They bump me from one department to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX letter attached
Product: Checking or savings account

I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX : Account Number : XXXX Creditor : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM EXPERIAN
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 XXXX 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 reporting or other personal consumer reports

I opened a XXXX  XXXX  credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to Midland Credit management with a XXXX  of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXertfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include XXXX unauthorized XXXX Department of Education accounts, XXXX auto loans fraudulently opened with XXXX and XXXX  XXXX XXXX, and XXXX hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit report.
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. 


Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # 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 : It also 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 XXXX 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: Money transfer, virtual currency, or money service

I am not dealing with a company. I am dealing with a bank. I presented a {$4500.00} check for deposit in my account. It was deposited and then the bank discovered it was fraudulent. The check was returned to the originator. Now, I am responsible for paying the bank back the {$4500.00} that was deposited. I have no funds to pay that back. I am asking if I have any recourse to pay that back. I do not know how long the bank gives me to reimburse it. Is there an agency that will help me pay that back?
Product: Checking or savings account

On XX/XX/XXXX I used the Citizen 's Bank app to transfer {$1000.00} to my fiance in order to pay our monthly bills. Citizen 's Bank uses XXXX for this which is built into the app. When I tried to transfer the funds, I was told that the transaction failed and the money was not removed from my account. My fiance also received a notification saying that the transaction failed. I then transferred the money to my fiance through XXXX instead. 
However, the next day on XX/XX/XXXX the {$1000.00} was taken from my account by XXXX without ever informing me that it had done so or even asking for my permission to do so resulting in my account being overdrafted. In addition, despite the {$1000.00} being taken out it was never even sent to my fiance and so the {$1000.00} was simply gone. I immediately contacted Citizen 's Bank and filed a claim. It took over a week to get the {$1000.00} returned ( which was given to me on good faith from Citizen 's Bank, meaning that XXXX had not actually returned the money ). Despite the return of the {$1000.00}, this also caused {$250.00} in overdraft fees that have not been refunded despite it being caused by both Citizen 's Bank and XXXX. I've continually contacted both Citizen 's Bank and XXXX about this issue. XXXX has completely ignored me, telling me to talk to my bank to resolve the issue. Citizen 's Bank has continued to tell me they're looking into my claim ( which I was told would take 1-3 business days and was later told would take 7-10 business days ). It has now been 16 business days and I have not received the {$250.00} that was charged to my account due to their mistake and the only information I've received is that they are " looking into it '' despite it being long past the time I was told it would take to investigate the issue. The issue also has a very clear paper trail that I've well documented and so the investigation should not be taking this long.
Product: Prepaid card

I have a Venmo card issued by XXXX. On XX/XX/year> an unauthorized transaction of XXXX was taken from my card from XXXX I immediately filed a dispute and Venmo denied my claim in less than XXXX. So Venmo said I can file an appeal. XXXX XXXX had already agreed to refund my money but had a system error and told me file a dispute with Venmo to get my money back. On Monday XXXX, I spoke with someone in customer care and after their investigation it was determined that someone with a XXXX XXXX account used my card information without my knowledge. The fraud was already investigated by the merchant but Venmo is pretty much refusing to give me my money back. I then informed Venmo that XXXX refunded my money and they simply refused to give me money back. On XX/XX/year> I get an email from Venmo and they made bogus statements that didnt make sense in relation to my dispute. Stating other payments not being disputed but Im not disputing a payment I was literally driving across country and money that I didnt authorize was removed from my card. Venmo violated several consumer laws and failed to properly investigate.
Product: Debt collection

Ad Astra reporting false information/unauthorized. Not aware of this debt I have reached out to them several times about this debt. Sends out a letter stating to be proof of debt with NO SIGNATURE! Then I recovered that they are a collection agency who brought this account from someone. Also NO credit bureau contacted me as I do have a fraud alert set on my credit reports. I would like taken if my credit report they CAN NOT validate.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XXXX GI BILL. 
For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across Navient looking to collect same debt, then again a year later XXXX looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XX/XX/XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XX/XX/XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
Product: Checking or savings account

Back in XX/XX/2012 I had a personal check stolen from me and it was thru Bank of America a new account. The check was stolen from me by a family member then deposited thru atm at a XXXX XXXX XXXX in XXXX TX for XXXX cash.. Bank of America processed it then took the funds back. i filed a complaint thru XXXX XXXX telling them who did it etc. It involved another family member which is on camera and she would not press charges against the person that did this.. I have an XXXX XXXX against me and can not open a brick and mortar an bank account. The check was somehow sent thru again. I disputed thru XXXX XXXX XXXX and Bank of America still denied. I am a victim of identity theft what can be done at this late tme.. I cant get thru a direct line or person at Bank of America they send me in a circle w XXXX XXXX. Ive completed all my appropiate paperwork. Done this 2xs ...