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

On XX/XX/XXXX, I used KeyBank 's online BillPay service to send a check for {$74.00} to XXXX XXXX XXXX. According to KeyBank, XXXX cashed this check on XX/XX/XXXX. However, XXXX  denies ever receiving this check, even after Key sent proof that the check had been cashed. 

I filed a first dispute with Key on XX/XX/XXXX. I later received a notice in the mail from Key that they had closed the dispute because " XXXX had received the payment. '' However, the payment that XXXX had received was from my XXXX credit card, not from Key. ( I had made the 2nd payment to XXXX using my credit card to avoid late fees on my account ). 

I filed a 2nd or 3rd dispute with Key in XXXX. After being told by XXXX between XXXX XXXX and XXXX XXXX that they had researched their records and found that they had never received or cashed the check from Key, I spoke with XXXX at Key on XX/XX/XXXX, who said the dispute " has definitely been escalated now '' and I should see resolution within 90 days. She gave me the call reference no. XXXX. 

When I called several weeks later to check on the status of the dispute, I was told by Key that I would need to visit my local branch to continue the dispute. During a conference call with both XXXX   and Key at my local KeyBank branch on XX/XX/XXXX, it was finally determined that the check had indeed been cashed, but not by XXXX. Someone suggested the check had been stolen from a mail tray at XXXX. I was told the matter would be referred to Key 's fraud department, and I was told I would receive a notice in the mail within 90 days of their findings and what action they would take. 

I heard nothing more from Key after this. When I called the Key 's fraud department on XXXX XXXX, XXXX, to check the status of my complaint, I was told that it was not a matter for the fraud department, and I needed to call Key 's Online Banking department. I did, and was told by XXXX XXXX would have to file yet another dispute. XXXX also told me she had no record of any dispute except for the first one I filed on XX/XX/XXXX. It appears to me that Key is not interested in helping me with this, and that by telling me to file dispute after dispute and to wait 90 days in between, they are hoping I will give up.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my XXXX and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. XXXX, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked TransUnion for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports.

TransUnion states that these companies had a permissible purpose but have not provided me with any documents showing so.

I need to know the name of the person from each of the companies that received my credit reports from TransUnion and for what permissible purpose as well as all documentation TransUnion received to give these companies access to my credit reports. I am also requesting the name of the person from TransUnion that provided my reports to these companies. I need to see documentation on all inquires listed on my TransUnion credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. TransUnion ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to TransUnion making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that TransUnion delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with TransUnion as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX and my legal counsel.
Product: Credit reporting or other personal consumer reports

This creditor XXXXXXXX XXXX  is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, Transunion, XXXX and XXXX. XXXX has removed the late payment. But Transunion and XXXX has not. I ask that Transunion and XXXX remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.
Product: Mortgage

My HELOC with CHASE allowed me to change to a fixed rate versus a variable rate I called CHASE in 2015 and they refused to allow me to change to a fixed rate although my contract clearly allowed me to do it Also CHASE refused to allow me to use my HELOC saying that my house was worth 1/2 of the value when the HELOC was established The facts are : 1 ) my  HELOC allowed me to change to a fixed rate ; 2 ) my house is worth twice what it was when the HELOC was established I have tried to work with CHASE, as they have requested based on the complaints I have filed with the Officer of the Comptroller of the Currency However, when I call them it says '' please hang up '' or it sends me to voice mail and no one calls me back I need your help, as I am convinced they are committing fraud by forcing me to pay them more each As the variable interest rate has gone up over +1 % since 2015 This could be as big as the fraud committed by XXXX XXXX in forcing customers to buy and pay for things they never requested Please help us as we are retired and live on our social security and dividends from savings and I also teach at class in economics at the local college The constant rise in our HELOC, when our contract allows for a move to a fixed rate, payment is unfair and CHASE is taking advantage of us Without your help the fraud will continue and our payments will continue to increase XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft I attached supporting documents below.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I've been noticing a trend. When I pay off accounts my score only increases by 1 or 2 points. When my credit usage goes up a little, Experian drops my score by XXXX points, I have been making on time payments for a long while, my payment history is " exceptional ''. I am not seeing my points go up at all when I pay off accounts, but t beyond drop my score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for Public Student Loan Forgiveness by FedLoan Servicing and I was notified on a letter dated XX/XX/2022. Amounts forgiven {$27000.00} and {$50000.00}, My credit report shows that I owe XXXX. the XXXX is on loan program DLSCNS and the XXXX is on loan program DLUCNS. the letter states " you have satisfied your obligation and no additional payments are required on these loans.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from XXXX.
Product: Checking or savings account

On XX/XX/XXXX I became aware of {$3600.00} missing from my checking account from XXXX different transactions. 
I immediately contacted the bank, they said they would start an investigation and send a new card all within XXXX business days. 
On day XXXX they sent me a notification that the card was sent to an old address. 
I contacted the bank again on XX/XX/XXXX and they corrected the address. 
Later that day, my XXXX pay stopped working. I contacted the bank and they gave me a new card number. 
On XX/XX/XXXX, I called again for a status update. They told me they had closed the investigation. They said the transactions had a chip verification. I told them this isn't possible, I had the card in a different state and most were doordash, so a chip couldn't be used. They said they knew my address then, so the bank isn't going to help. They told me to call the police to have them look at cameras.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit report.
Product: Checking or savings account

From XX/XX/2025 To XX/XX/202XXXX XXXX XXXX XXXX has been charged at an insane amount from XXXX XXXX XXXX XXXX which are fraudulent transactions that have nothing to do with me. I have lost over XXXX dollars as Money Network has done NO security work and I have tried to contact them 2 months straight 24/7. No answers to my phone calls to ANY direct numbers and there are no wait times for contact, Ive tried to write a letter but I have received nothing in return. The transactions vary, they go from XXXX to XXXX and thats money I really need. XXXX can not do anything as they only process payments and the bank is in charge. I am utterly appalled with Money Network and its inability to protect my funds nor recognize fraud. They should be shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

The case was closed by CFPB with zero resolve the fake opinion by Experian was accepted by CFPB with out the documents to back it up as they admit there information about a bankruptcy i didn't ask for pay for or received a day in court for remains. I did a offer in compromise with the comptroller of XXXX as they have confirmed and by the way to date i haven't received anything from experian on that matter accept it will remain on my report until next year XXXX due to a third party who can not back up there claims with facts or documents as i can! They should contract the comptrollers office and ask what took place in my case but? i guess that's to much like making things right and correct in stead of hanging your hat on some third party and blaming them for all the false info on my credit report as stated in my last comments. That is only half of what i'm trying to do today as i truly expect more long winded reasons that have nothing to do with nothing and they [ experian ] can do what ever they wish without oversight. On XX/XX/XXXX my rating took a XXXX point hit for zero reasons why? no late payment zero credit/debt contact XXXX and up date that while your at it no late payment no collections ect... i took a XXXX point drop when XXXXXXXX XXXX looked at my credit report for a possible home loan back in XXXXXXXX and i assume that's what the 2 point drop was about? and that bring up to a XXXX  point drop from experian W Y H????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as XXXX days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed.

This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state XXXX program called In Home Supportive Services that I get for caring for my XXXX XXXX children. I am unable to work outside the home. 

This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX  twice- as did my entire household- and had three deaths in my family.
Product: Debt collection

n accordance with the fair credit reporting act XXXX 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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards AMER SVC COXXXXWF HOME MTG XXXX XXXX XXXX limit {$XXXX}. 
XXXX XXXX XXXX $ {$XXXX}. 
XXXX XXXX {$XXXX}. 
XXXX XXXX/XXXX {$XXXX}. 
XXXX/XXXX {$XXXX}. 
XXXX XXXX {$XXXX}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - AMER SVC CO/WF HOME MTG - it was a mortgage company, please remove Regardless, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.
Product: Money transfers

I tried to close my Paypal account. PAYPAL said no that they want me to verify my bank accounts and credit accounts first and several other personal pieces of information. I owe this company no money and therefore I should be able to close my account when I WANT TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LOT OF FALSE INQUIRES FROM THE FOLLOWING COMPANY XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX   AND XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against TransUnion LLC who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to TU and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Credit reporting or other personal consumer reports

I have three collection or bad debts on my credit, XXXX XXXX  and 2 from portfolio associates. They are from XXXX and too old to be reporting per Ohios statutes for credit reporting. Besides that, Portfolio Recovery sold or got rid of one of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. 
Besides that I filed bankruptcy in XXXX. It is XXXX XXXX XXXX. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only one it is still reflecting on? I understand it can remain for 7-10 years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX - # XXXX XXXX  # XXXX XXXX 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. 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 I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN INSTRUCTION
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never ever applied for any loan with Personify and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However Experian says their info still stands - it is an error as the account number is incorrect and sorry for adding this but Experian is so difficult to deal with they refuse to listen to you