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

My fianc and I recently became engaged, we opened a Joint checking account with KeyBank to cover our wedding expenses. My father XXXX XXXX wrote us a check for {$10000.00} to go towards our wedding expenses out of his Business account ( XXXX XXXX of XXXX ) out of a cornerstone XXXX account. I deposited the check at the KeyBank branch located on XXXX XXXX in XXXX XXXX on XX/XX/year>. We learned on XX/XX/year> that we were unable to access our accounts due to there being a fraud alert on our joint account. We went to the branch and they told us it was due to the handwriting on the check my father wrote. It has been 21 days ( at the time of me making this complaint ) and they have not offered us any new updates on when we will have access to our accounts. They froze our joint account and all of our separate personal accounts as well. When attempting to collect more information on our pending case we can not get a straight answer from anyone. Weve tried working with employees at this branch, and we tried contacting Key banks fraud department and nobody can give us any real information. Since they have frozen our accounts my Fiance and I have our had our financial lives put on absolute hold. We are struggling to pay our bills and make ends meet due to not having easy access to our financials.
Product: Credit reporting, credit repair services, or other personal consumer reports

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX XXXX You All At The CFPB XXXX XXXX XXXX XXXX XXXX XXXX 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXl # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  Rec # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX Originals # XXXX, XXXX XXXX Sys # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of 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 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX # XXXX XXXX
Product: Debt collection

COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT.

15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item XXXX Bankruptcy XXXX does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( XXXX Bankruptcy XXXX ), Experian ( XXXX Bankruptcy XXXX GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and Experian but shows XX/XX/2022 with XXXX. 

XXXX. The reference for XXXX is ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

4. Experian and XXXX Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am submitting this urgent complaint regarding Westlake Financial Services ' inaccurate reporting of my payment history, which has caused substantial harm to my credit score and financial standing. Despite making timely payments, Westlake Financial has incorrectly reported my last payment as XX/XX/XXXX, when in reality, I made payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Serious Negative Impact on My Credit & Personal Loan Denials : Due to this false reporting, my credit report incorrectly reflects a delinquency, severely damaging my creditworthiness. 
As a direct result, I have been denied multiple personal loan and credit card applications. 
My credit score has dropped unfairly, limiting my ability to access financial resources.

Details of the Reporting Error : Incorrect Last Payment Date Reported : My credit report falsely lists my last payment as XX/XX/XXXX. 
Actual Payments Made : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have already disputed this error directly with Westlake Financial Services and the credit bureaus ( XXXX, XXXX, and XXXX ), yet the incorrect information remains. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and XXXX Financials failure to correct this error is a violation of my consumer rights. 

Requested Actions : I am requesting immediate CFPB intervention to : Investigate Westlake Financial Services ' failure to report my payments accurately. 

Hold Westlake Financial accountable for this inaccurate reporting, which has caused tangible financial harm, including multiple personal loan denials and an unjust drop in my credit score.
Product: Credit reporting or other personal consumer reports

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. 

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

I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the XXXX federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, XXXX. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX, PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.
Product: Credit card or prepaid card

I filed a dispute on XX/XX/2019.  See attached.American Express misclassified my dispute and it was denied.My dispute was not for fraud it was filed because the ATMdid not dispense certain transactions.It has been 42 days as of this writing and I have not beenissued provisional credit in accordance with Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support collection account on my Experian credit report from XXXX that is XXXX XXXX XXXX and shouldn't even be on my report at all. My child support case was closed and all that remained was arrears. Experian originally had the collection due to fall off in XXXX and it has now been changed to fall off in XXXX. It's older than 10 years and shouldn't even be on my credit report at all. I have tried over and over to dispute it and they won't do anything about it.
Product: Credit reporting or other personal consumer reports

I have communicated that I see inaccuracies on my report, I have asked you to re-investigate, and I have explained in detail the problem at hand. Below I have attached briefly some emails stating that items were removed from my credit report in XXXX and in XXXX from both XXXX XXXX and XXXX XXXX XXXX XXXX. I will be speaking further with XXXX XXXX to retrieve further documentation, if need be, concerning this matter. I am again demanding that these XXXX late payments of XXXX XXXX be removed from both of my XXXX XXXX Accounts immediately because they are false and inaccurate. Please do not use computer software to review my dispute and have an actual human being review, then resolve this issue. I repeatedly have stated that these items were not present on my report until approximately XXXX XXXX XXXX XXXX ago when I requested that my balances be reported more promptly and accurately. I have attached a credit report supporting my statement from XXXX of XXXX that clearly states that I had " no missed payments ''. Furthermore, I did clearly state there were some items that were previously corrected years ago on those accounts... I spoke to XXXX XXXX recently and they did communicate to me that they also now see the XXXX late XXXX payments in their data base as well, which I am still disputing as some sort of error on their behalf. I do not have any late payments whatsoever and I am demanding that this be resolved and removed from my credit report immediately. I sent XXXX XXXX the identical information that I am attaching to this dispute a couple of days ago as well so that we are all on the same page. Compare each bureau to see the inaccuracies. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting that I am 30 days late on my XXXX payment. I have sent a letter to Wells Fargo showing them that my XXXX payment was made on XXXX/XXXX/XXXX well before the 30 days. They sent me a letter back stating that they were not going to change the showing of the late payment. Wells Fargo is, also, reporting that my XXXX payment is 30 days late as of XXXX/XXXX/XXXX. However, a payment was made on XXXX/XXXX/XXXX that was effective XXXX XXXX, XXXX. So either way if they are showing a XXXX payment late my payment was made effective XXXX XXXX and if they are showing a XXXX payment late, how can a XXXX payment be late 30 days if it has n't even been 30 days since my payment. Also, after the XXXX/XXXX/XXXX payment it was showing my next payment was n't due till XXXX XXXX, XXXX.
Product: Checking or savings account

On XX/XX/24 i received a call from XXXX XXXX from Citibank Excecutive Offices, telling me that a check would be mailed to me. I explained that i would not be available, and was concerned about my check getting stolen. XXXX told me that when i want to get the check mailed to contact Citibank. Now i called 8 times and was hung up on 3 times ( 2of those times by Supervisors ) and when i did finally get someont they couldn't find my account, and that there was a XXXX balance in my account when they finally found it. I asked what happened to my bal of XXXX. They said there wasn't any money to refund, because it was fraudulent. So now Citibank has lost my money, or was transferred to an account that no one can view even supervisors. I'm frustrated and very upset, that the customer service ive received from Citibank is absolutely horrible. I would highy reccommend not banking with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting a incorrect balance.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consuming 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 furnished 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 card or prepaid card

on XX/XX/2023 i transferred {$500.00} from my go card to one of my accounts and to this day the money has not transferred yet on the go card statement it says pending review but they have taken the money out of my account on the statement but it has not been transferred yet and tgoday is XX/XX/2023
Product: Debt collection

Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX XXXX XXXX XXXX they have not sent me any documents bearing my signature as of today. The following companies is : Cavalry Port - XXXX XX/XX/2019. I would like your help with this matter.
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.

Account Name XXXX XXXX Account Number XXXX, Account Name XXXX IXXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I would like these account remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

Comenity Capital placed a hard inquiry for what appears to be a Sephora account. I did not sign up for anything at Sephora, nor did I apply for a card. This inquiry happened on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the CFPB about XXXX XXXX  having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX  for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies I have identified in my credit reports from XXXX, Equifax, and XXXX. As per the Fair Credit Reporting Act ( FCRA ), it is required that the information contained in credit reports is accurate and up-to-date. However, upon reviewing my credit reports, I have discovered several errors that require immediate correction. 

Below, I have outlined the discrepancies found on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon review, it is evident that there are inconsistencies regarding the high credit amount and the credit limit reported by Equifax. Additionally, the last reported date differs between Equifax and XXXX. These discrepancies are causing confusion and may negatively impact my creditworthiness. 

I kindly request that you investigate these discrepancies and take the necessary actions to correct my credit reports accordingly. Please update the information accurately and ensure that it is consistent across all three credit bureaus. 

Furthermore, I would appreciate receiving written confirmation of the corrections made to my credit reports once the investigation is complete. This will enable me to verify that the necessary changes have been implemented. 

I have enclosed copies of my credit reports highlighting the discrepancies for your reference. If any additional information or documentation is required from my end to facilitate the investigation process, please do not hesitate to contact me at the address provided above or via email at [ XXXX ]. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and resolve the discrepancies in a timely manner. I look forward to receiving the updated credit reports reflecting the accurate information. 

Sincerely, [ XXXX XXXX