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

Bank advertised a promotion to encourage direct deposit and account opening - KeyBank. The promotion provided you a {$200.00} reward if the deposit requirements were met. I did meet these requirements and received the {$200.00} in my account. The issue is that now I have also received an interest income statement for the {$200.00} which was not disclosed in any of the advertisements for this promotion. This after the fact disclosure where I now have to report {$200.00} in interest ( my account APR along with the amount I deposited would not have even come close to yielding this amount of interest ) income for the tax year. I believe the company demonstrated an unethical promotion and failed to disclose all the terms. I had spoken with several associates about the terms of this account early on after opening and was given incorrect information about when the deposit would be made, and when I had to fulfill the requirements which ended up being elevated allowing me to speak with a manager. I was also unable to have excessive fees waived for a transaction as small as {$1.00} which overdrew my account {$.00} cents for which I was charged at total of {$67.00}. The notice of overdraft was sent to me days after the transaction posted so I did not even receive ample notice to remedy. There were plenty of opportunity during these conversations for the disclosure about the interest statement to be made but it was never disclosed even by the manager to whom I spoke about my initial elevated issue on the incorrect information about the terms. The failure to disclose this important fact is unethical is not reflective of what I would consider fair practice around disclosures and excessive fees. Do not open any accounts with KeyBank no matter what the promotion. Fees are excessive and you will receive an XXXX for the payment although it is not income. Deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 U.S.C. 1681. 

EQUIFAX is governed by 15 U.S.C. 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquiries : Name : XXXX XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX - XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

i sent multiple letters to experian equifax & transunion letters explaining these late payments are unauthorized and incorrectly being reported on my credit report enabling me to receive any credit and keeping my score low for months and losing multiple opportunities. account is XXXX XXXX account number experianXXXX equifaxXXXX
Product: Student loan

NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dont recongnize this inquiary from XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXXXXXX ( XX/XX/22 ) XXXX XXXX XXXX XXXX XXXX  XX/XX/22 & XX/XX/22 ) XXXX ( XX/XX/22 & XX/XX/22 ) XXXX  XXXX ( XX/XX/22 ) XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
TRANSUNION inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - & XXXX XXXX XXXX : XXXX  XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Paid off vehicle free and clear received memorandum title not original. They have a lein on my vehicle. When I asked them to correct the problem I was hung up on by Supervisor
Product: Mortgage

Fay XXXX  services failed to notify me of a seriously delinquent mortgage from XXXX through XX/XX/2023. I have requested FULL payment history for the last XXXX  months to verify accuracy of information submitted to CRAs. I have an absolute right to this information which they are denying me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and noticed a collection from XXXX XXXX XXXX XXXX company the date is was opened ( from what my credit report has on it ) on XXXX XXXX. The collection amount is XXXX dollars and I have disputed this before. For the last two years I have been living in supportive homes, transitional living homes recovery homes. However XX/XX/XXXX I have resided at a transitional living for women with children. I can prove that. This program is through XXXX XXXX. There is absolutely no way I am responsible for said debt. I dont pay for XXXX XXXX XXXX here the program does. I have been here at XXXX since XX/XX/XXXX. And I am getting ready to move into my own place, our very first apartment together. Two years i have worked on myself, I have obtained full custody of my kids, theres a lot of changes. My identity has been stolen. I also found out from XXXX  when I called to pay my bill for essential WiFi that there had been two accounts one both in my name but the other had a different address. I looked over my report on another site and it said i was part of the fire that took place up toward XXXX XXXX area. I literally live in the city and have I wasnt part of anything like that. This is frustrating. Ive spoke with XXXX XXXX XXXX after my first dispute, I didnt obtain any results but it says there are results. I can provide my ID to anyone my social security card.. anything to prove this is not my responsibility to pay. And honestly this is going to make it difficult to move into my own apartment and get XXXX XXXX XXXX on without an issue. 
Please help!!
Product: Bank account or service

I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''
Product: Student loan

XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
Product: Credit reporting or other personal consumer reports

Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The late payment in question is reported by EQUIFAX for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section XXXX : It also states a customer reporting agency can not fumish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX has denied my request to remove the 30 day late payment for my vehicle payment that was due on XX/XX/XXXX. I was shopping for a vehicle, throughout the month of XXXX and hand to wait until labor day to get the deal I was shopping for. My vehicle was traded in on XX/XX/XXXX. When we called to get my payoff on XX/XX/XXXX ( I believe was the date ), we let the person on the phone know that the vehicle was being traded in. I asked about the payment and was told that as long as it was traded by XXXX I would not be turned into the credit bureaus as 30 days late. Additionally, I have never been late with XXXX XXXX and have worked very hard to build my credit up after having to file bankruptcy inXX/XX/XXXX due to a divorce. The late reporting has drastically lowered my credit score and has hindered the process of starting a business, which I was in the middle of!

As a one time exception, I asked to have this removed at least as " Good Will ''. Being aXX/XX/XXXX, I have seen that happen more times than I can count. The account with XXXX XXXX is PAID IN FULL and over the 2 years that I owned the vehicle I paid over XXXX XXXX Dollars in interest and because of that, I was upside down in my vehicle by over XXXX dollars! Is asking for a one time deletion really too much?
Product: Student loan

NELNET IS THREATENING ME AS A XXXX PERSON AND VETERAN WITH THEIR XXXX XXXX RESPONSE TO MY COMPLAINTS REGARDING THEIR REFUSAL TO CONTACT THE US DEPARTMENT OF EDUCATION AND REMOVE THE LATES FROM XXXX WHEN I WAS UNHOUSED WITH NO MONEY ASSETS OR TELEPHONE TO CONTACT THEM!! I HAVE REPORTED NELNET TO US SENATORS XXXX AND XXXX OF FLORIDA, THEY HAVE OPENED AN INQUIRY, AND THE FLORIDA ATTORNEY GENERAL AND THE ATTORNEY GENERAL OF THE STATE THAT YOU ARE INCORPORATED IN!! I HAVE FILED A COMPLAINT WITH THE DEPT OF EDUCATION INSPECTOR GENERAL AGAINST NELNET AS WELL TO HAVE THESE INACCURATE LATES REMOVED!! NELNET YOU ARE SO DIRTY AN EVIL AND REFUSE TO HELP A XXXX VETERAN NOT BECOME HOMELESS! I AM NOT OPENING A DISPUTE WITH THE CREDIT BUREAUS!! YOU WILL REMOVE THE LATES FROM MY CREDIT REPORT AND CONTACT THE DEPARTMENT OF EDUCATION IN THIS MATTER! US SENATORS XXXX AND XXXX OF FLORIDA ARE INVESTIGATING YOUR COMPANY AND ITS RESPONSE IN AN INQUIRY TO THE US SECRETARY OF EDUCATION.
Product: Credit card or prepaid card

I hope all is well I have called several times about the XXXX dispute for {$190.00} and the representatives keep putting it under the wrong dispute reason they are saying I dont authorize it or they gave me a credit for the shoes but neither is correct the reason for my dispute for the shoes they dont fit not the size I ordered, the box was open and damaged once received one shoe was very dirty and missing a shoe string. I really need to send these shoes back and my credit back. I have reached out to XXXX XXXX with no help. Can you please help me resolve this issue and get my credit of {$190.00} back? I dont know why the representative at CITI keep putting in the wrong dispute reason its like they are not listening. Thank for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX  XXXX Ac. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Student loan

Upon graduating and working one full year, I called my loan company to discuss loan forgiveness. I had a very detailed conversation ( notes saved!! ) with a man who explained exactly what I needed to do- sign up for automatic payments and then with a year to go before I make all 120 payments, complete the certification and the loans will be forgiven. So, listening to the official loan representative, I did just that. Worked in an eligible and certified place, completed the paperwork, was approved, and they tell me one of my 110 payments was eligible for forgiveness because, despite me asking this gentleman SEVERAL TIMES, my repayment plan, that he set me up on, wasnt eligible. The amount Ive paid monthly is more than the other eligible repayment plans too. 

I feel as though Ive been scammed! Was I given misleading information so they could continue to make money?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX 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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Bank of America credit card used to balance transfers. I have 1 balance transfer with 0 % if paid in 12 months. I have a 2nd balance transfer with 1.99 % interest if paid in 18 months. In the past I've complained to the CFPB that BOA won't allow me to apply my payments in a manner that minimizes my accrued interest and penalty fees across both balance transfers. 

My statement mailed on XX/XX/XXXX doesn't provide my remaining balance on both balance transfer. All I see is a total balance ( see attachment ). In the past, BOA 's statement included information on the remaining balance on each transfer. In XXXX, I called BOA asking them to resend my XXXX statement with information that details the balance remaining on each transfer. The resent statement mailed XX/XX/XXXX doesn't include the information I requested as well ( see attachment ).

I believe BOA is purposely withholding that information from me so that they can maximize the interest payments I'm required to make. I also believe that BOA is altering my remaining balance, per transfer.