23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

1. Received notice of approval for credit card I never applied for on XX/XX/XXXX with Genesis FS Card Services who do business with XXXX XXXX XXXX 2. Called on XX/XX/XXXX when received a bill them in the amount of : {$3800.00} for XXXX items purchased from XXXX I never purchased to speak to their fraud department and was told they could not transfer me after dialing the customer service number on the statement : XXXX I then asked for the direct number to the fraud department and was given : XXXX which redirected me back to the same person who answered the customer service number. So they now have my home telephone number.. 
3. I went to the website for XXXX and see it is a company in XXXX, upon seeing this I am going to assume this is a scam that is all related and I have no idea how I will get out of this. However, the voice of the person who answered the Customer Service number for the credit card sounds just like the person who I spoke too when I had an account with XXXX XXXX which I paid off in XXXX and for very close to the same amount I am being charged now by this new credit card company. 
4. Should I call XXXX about this being that they are in XXXX? 
5. Please tell me what to do? I never had this happen before. 
6. I am a XXXX XXXX.
Product: Checking or savings account

Please refer all my complaints about Keybank. 
I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 
Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXXXXXX XXXX XXXX XXXXXXXX. 
that i need to call the bank. 
As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back.

2. There was a direct deposit from my husband into this account.

I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 4 weeks - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

During 3rd week of XX/XX/2023, I got one letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. 
Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not? It's almost 4 weeks- neither I can access my account nor keybank is closing my account and send my balance to me by check.

My online access is not working and it has been complained in the past. It seems in this bank - nobody talks to anybody and nobody is aware what's going on. Left hand doesn't know what right hand is doing? 

Since last two days ( XXXX XX/XX/2023 and XXXX XX/XX/2023 ) -I have reached out to Laurel Road XXXX Keybank XXXX I am told that my account is restrictive. Well for how long? 
Either Laurel road - make my online access enabled OR close my account ( by sending all the amount by check to my address ). I got another email that Laurel Road - Keybank is sending me a debit card. During these two days - I talked to XXXX and XXXX. 
During my festival days ( Hindu festival ) - I am stuck with useless bank which is not letting me access my account. 

I don't want any follow-up. Laurel Road - Keybank just close my account and send me all the money via check. Also send me all the statement so that I can check that I got my cash back as well as interest. I don't want to deal with Laurel Road XXXX Keybank any more in my life. 

I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both XXXX and Equifax that I am part of the XXXX and Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXXXXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with Equifax, XXXX, and XXXX XXXX ; but XXXXXXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXXXXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( XXXX ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
Product: Vehicle loan or lease

Bank of America gave me the worst banking experience I have ever had. I had an auto loan that I was trying to pay early. I was paying a car loan off in full. I submitted a payment of {$2100.00} ( 10 day payoff balance ) which they took out. They then took {$2100.00} ( principle balance ) from my account, which caused my checking to go negative, causing overdraft fees. They Charged me for the Principle balance of the loan, AND the 10-day payoff amount. I entered the 10 day pay off amount. You have to physically type the amount. Bank of America tried telling me that, I physically typed both amounts within 1 minute of each other. I would have never done this. I also have my internet history which proves I only went to the make a payment page once. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold.  Then said they would cut me a check for the {$2100.00} a MONTH later. The extra {$2100.00} they took out caused penalties, bad checks and embarrassment. These fees resulted in {$150.00}. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. I had to sit on the phone for 5-7 hours just for them to confirm that they took additional money from me.
Product: Debt collection

Some one used my Social Security number to subscribe a monitoring system for his apartment on XX/XX/2017 without my knowledge. The address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and I never stayed this address. The original creditor was XXXX XXXX XXXX and the collection agent is ZIONS DEBT HOLDING. The name mentioned in the application is only my first name as XXXX XXXX and the application was electronically signed
Product: Credit card or prepaid card

On XX/XX/2021 someone tried to open a credit card under my name at 'Nordstrom Card Services XXXX. I have informed the company to not to open ac account under my name as I am victim of ID theft.
Product: Student loan

I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.
Product: Checking or savings account

PNC not allowing me to link my account to XXXX app
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a detailed formal letter to Equifax via USPS Certified mail on XX/XX/2023. My letter outlined the concerns that I had regarding specific accounts that were being reported by their bureau as well as a detailed explanation as to why I wanted the inaccuracies investigated and corrected appropriately ; I also attached two FTC reports with documentation for the accounts in question and a copy of my drivers license and Social Security card in order to verify my identity. I contacted Equifax on XX/XX/2023 and spoke with a supervisor named XXXX, who informed me that although Equifax confirmed that they received my dispute and deleted one item from my credit report that was found to be inaccurate they did not investigate any of the other 5 accounts in question, nor did they keep record of the letter or supporting documentation. 
I filed a formal complaint with XXXX and was then advised that perhaps the documents hadnt been scanned into their system yet and that I would hopefully hear back from someone at Equifax regarding my formal complaint. I find Equifaxs complete failure to investigate this matter and lack of record keeping to be a violation of the FCRA and would like some form of action taken against the representative at Equifax who failed to properly investigate my dispute and lost my original letter and supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX  XXXX  through debt bondage. This situation falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$21000.00}
Product: Credit card

sent letter to Synchrony Bank , Home Design, to request evidence, bearing my signature, proving the account was reported accurately, verifying 150 days late payments. They failed to provide such proof, did not list the account as disputed within 30 days as required by FCRA 623 ( a ) and FDCPA 807. they also closed the account and notified all XXXX credit bureaus.
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 15U.S.C 1681. 

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 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 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

I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries.

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 have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Debt collection

I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from XXXX XXXX. He stated I owed {$480.00} to sterling jewkers. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I fear he will continue to harness me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, XXXX, and Transunion XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion
Product: Student loan

I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.