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

I signed up for a checking account with Key Bank in XX/XX/XXXXof 2017 with an opening bonus of {$300.00} based on meeting certain criteria. The first issue arose from the bank associate upon opening my account stating that I needed to make {$1000.00} direct deposit dollars in a month. I set up my account to have 2, {$500.00} deposits each month, which met the total of {$1000.00}. A few weeks before the deadline to complete all my requirements I called Key Bank 's XXXX customer support number to check in and to see when I could expect my money. Only then was I informed that I needed at least one direct deposit totaling {$1000.00} to meet the criteria, and not total combined dollar amount. They mentioned this was the only thing left to complete and once finished I would have my cash in a few short months. This was the first account of me being mislead. I changed my direct deposit amount to comply with the requirements and a month later called back checking in. I was told that I met all requirements and should be expecting my money shortly. I went into the downtown XXXX branch and asked for an update within my requirement window as well, but they directed me to their XXXX number for any questions on the reward. Three other times between XX/XX/XXXX and XX/XX/XXXXI called for an update on my money and everyone I spoke to from the XXXX number said I met the criteria and that I should just wait, that it takes up to 6 weeks to receive the money. After much frustration I called last week to see why I haven't received my money. Again a representative said I met all criteria and couldn't understand why it was taking so long. Later she called me back stating that although I had automatic withdraws set up to pay bills, under the criteria they needed to be set up and paid through Key Bank 's website, which they were not. I argued with the representative over the phone because this was never relayed to me up until this point, and that I missed this promotion because of the misinformation from Key Bank. She said she would call me back with an update. Now this is over a week later and I called Key Bank again today to ask for an update and to escalate this to a manager. The manger told me there's nothing he could do because I did not meet the requirements and their phone logs only go back 3 months so they don't have proof of all the calls I made. I did not meet these requirements because of multiple reports from Key Bank misleading me into believing I had done everything I needed to do. I even checked in within my designated time to complete the requirements to make sure and even then they told me incorrect information. They mislead me and wrongly kept information from me so that I would not receive my cash reward. This was the worst customer experience I've ever been apart of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Product: Credit card

XX/XX/XXXXXXXX XXXX XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subj : Dispute of Fraudulent Charges Ref : Citi Credit Card XXXX Dear Fraud Dept.

I have been trying to report to your customer service at telephone XXXX fraudulent charges on my XXXX  Card. My attempts to do so have been unsuccessful because they say " my identity can not be verified '' because I do not have an additional phone number than the one I am speaking with them on, they can not send me a verification code by text message, or are not allowed to use email. They have offered in XXXX instances to send me a letter containing a " reference number '' but both times the letter contained no number. 
Therefore I take this opportunity to write to you, as allowed by your customer service web page, with the following information on the subject fraudulent charges ( XXXX ) : XXXX. XX/XX/XXXX XXXX XXXX XXXX {$46.00} XXXX. XX/XX/XXXX XXXX {$490.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX {$230.00} If you need additional information please contact me using secret code number XXXX. Time is of the essence as the next statement date is XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( voice or text message ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a vehicle loan from M & T Bank for a XXXX  XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & XXXX, I see that the same payment I complained about in XXXX is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Product: Checking or savings account

I was I was informed on XX/XX/XXXX that I was listed as the Beneficiary for a bank account after my uncles passing on XX/XX/XXXX. I submitted the required documents to finalize the account, and also requested all of the account statements from time of death through current day. In doing so, I discovered not only was money moved around from the Savings account to the checking account. But {$25000.00} was transferred out of the savings account over multiple transactions. {$25000.00} was transferred to one account with a different bank, while {$400.00} was transferred to another. There was also {$8400.00} transferred out of the Checking account ( not including the {$870.00} transaction to XXXX XXXX XXXX. {$7400.00} was transferred to the same account that the {$25000.00} was. And {$1000.00} was transferred to the same account as the {$400.00} account. I called the Bank asking questions about the transactions on XX/XX/XXXX. They informed me they would look into it with their special services branch.
Product: Credit reporting or other personal consumer reports

Equifax I would really most not to complain let alone need to. Sent by XXXX XXXX that went nowhere today received a letter claiming that I am not even in their system. I have already sent proofs requested at least twice. 
If email has XXXX XXXX  it has nothing to do with my given or legal name. Given to me by aXXXX XXXX  and XXXX XXXX. So email address is because it was given to me by XXXX XXXX and no not their legal name either in XXXX, however there have been typos and spelling errors lost wallet etc so if I just got certified Mail from record research and items missing added it is not okay. New Mexico is primarily XXXX XXXX but I have looked up that language barriers and firsthand by grandmother I have that XXXX I believe but in New Mexico raised not by neg parents but by neighbors. Coincidence but found grandmas family chief left during XXXX XXXX XXXX  likely next in line so with chief as witness XXXX. I looked up on XXXX XXXX XXXX and found that. Also have one tribe census number. But in New Mexico they do not by law put race on the birth certificate as a human rights law as well as why it is a little nicer nickname above than people known and unknown altering documents. Passport research I have to use in place of birth certificate reads right on it do not alter. Below it reads do not copy by any means which includes security cameras checked last week again so for altered documents I can still say XXXX given name and one legal name period reguardless if error or altered federal documents which I did just receive so why another letter you can not find me. If bank has it I do not need to be given additional paperwork requesting the same exact information as aeformentioned. Bad credit bureau if it was from you. Really unnecessary. I am working on getting a federal ID law by state I was born in place of the birth certificate otherwise I already gave you what was asked from me. Real id any state and passport card is not valid in place of the birth certificate. So no not happy. It apparently not only never was legal to copy but it is a felony. So otherwise appears that missing given and legal name is still being used. On record research why would I put a student college id and drivers license when the passport reads non driver. Not quite right.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  XXXX  XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage XXXX % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry
Product: Checking or savings account

On XX/XX/2022 @ XXXX my mobile phone access to all apps, calls, emails, etc was disabled and it took 90 minutes with XXXX to get everything re-activated. At this point, I was advised that my online TD Bank password was changed, so I immediately called the Fraud Department at TD who froze my accounts. In this window of inaccessibility, it turns out I was the victim of identity theft and that the person who accessed my account had tried to remove funds from my checking account through XXXX ( three separate transactions - {$2500.00}, {$1000.00}, {$1000.00} to an unknown person ) and pay transfers at a Jewelry store in the XXXX, NY XXXX XXXX XXXX XXXX XXXX - {$500.00}, {$500.00}, {$2000.00} ). TD theft protection software blocked 5 of the 6 attempts, however the {$2000.00} pay transfer was pulled from my account. 

The next morning, I went into my local TD Bank and canceled all my accounts and re-opened new ones. The TD representatives advised that they would submit the claim for the {$2000.00} reimbursement with TD corporate and I should see my account credited within 7-10 days. TD corporate transferred my request to XXXX who operates the debit cards for TD and rejected my claim as they assume I physically used my debit card to complete this transaction, which of course was not the case. I have since returned and worked with the local TD representative in the bank to re-submit my claim two other times and was rejected each time. The local representative has provided a detailed explanation each time, however, I am still unable to get my account credited with the funds that were stolen. 

My identify protection agency, XXXX, advised that I submit this to you for your help. 

Thank you and best regards, XXXX
Product: Credit reporting or other personal consumer reports

My credit was checked because I was applying for a home loan. I was told that I had a student loan of {$860.00}. And also a debt of {$600.00} from XXXX XXXX in which I knew nothing about. On.XXXX I called XXXX XXXX XXXX XXXX XXXX if I can set up a payment for the debt in question. I was informed that they could not find any debt Previously or presentlyin their records. Pn XX/XX/year> I looked up my own credit, I also saw the debt and found the 3rd party in which the so-called debt was sold to called XXXX. I spoke with a representative. She went back-and-forth with me about this debt and I was trying to explain to her that I spoke with someone at the college, and they insisted that there was not a debt owed by me. The representative from the college also stated that they could call them and they would tell them that its not a balance in my name. The agent I spoke with from XXXX  was not trying to give any information as to how to fix this she was just trying to collect money that the college said I didnt even owe in the first place. The conversation ended with her not listening, being rude and hanging up in my face. I then called Trans Union and their idea of fixing the issue was to pay them {$140.00} a month to correct something that shouldnt even be on my credit in the first place, which was crazy to me if there is no debt why am I paying you {$140.00} to correct something that shouldnt be on my credit in the first place along with the other {$600.00} debt. He kept repeating about the {$140.00} until finally I told him thank you but no thank you because that was unfair. He was doing a plug to get the {$140.00} more than trying to help me with figuring out where the issue came from in the first place. On the 2nd debt of {$600.00} I have no recollection of owing any money to XXXX  XXXX l. So I tried to call that third-party and I ask about a 1099C form because I saw that it was a charge off and that person act like they were unaware of what I was speaking of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Mortgage

I received letters from PNC bank stating my flood designation had changed and I needed flood insurance. I began looking around after receiving yet another letter stating the same. A few days later I received another letter from PNC stating that upon further review, I was not in a flood zone and did not require flood insurance. I filed the letters and dismissed the issue. A few weeks later I received a bill from PNC for flood insurance for over {$3000.00}. Upon the advice of a PNC agent, I bought my own flood insurance at a third of the cost. After numerous calls in which the customer service agents all found that letter of no need and couldn't give me any guidance as to whether I needed insurance, I made one final call. The gentleman I talked to essentially told me I was wrong, the letter did not exist and that he was going to hand me off to an agent to have the flood insurance I ended up buying paid by the escrow. I asked her if she had the letter that said I didn't need flood and she found it in two minutes. So she escalated the issue but now I am receiving letters from my new flood insurance stating PNC is not paying them.
Product: Credit reporting or other personal consumer reports

**Subject : Demand for Removal of Incorrect Bankruptcy Public Record from Experian and FICO** Dear CFPB Complaint Department, I am writing to demand the **immediate removal** of a bankruptcy public record that has been **incorrectly reported** by Experian and FICO. XXXX and XXXX have already complied with my previous requests to remove this erroneous record, but Experian and FICO have not, resulting in discrepancies across credit scores. As a consumer, I expect all credit bureaus ' scores and data to match, which they currently do not. 

In addition to the inaccurate bankruptcy record, I have noticed numerous **non-mailable addresses** and **outdated companies** still reporting negatively on my credit file, which should not be the case. Credit reports are intended to assess **creditworthiness**, and I have explicitly opted out of all transaction data usage with all companies. Furthermore, I have **revoked permission** for any third-party companies to report on my credit profile. 

I am asking the CFPB to contact **all companies involved** in these inaccuracies and to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **. Specifically, under **15 U.S.C. 1681c ( a ) **, any negative information that is either **inaccurate or outdated** can not be used against the consumer in determining or denying credit.

It is also important to note that both the **Bankruptcy Court of Delaware** and the **Bankruptcy Court of Colorado** have confirmed that they do not report to any credit bureaus. Any third party reporting this information without my written consent is committing fraud. As such, all reporting agencies, including **LexisNexis** , must remove any public record information, including **court records, property records, registrations** , and **credit usage transactions**, unless explicitly authorized by me in writing. 

As a consumer, I am entitled to **accurate credit reporting** and demand a score of XXXX across all bureaus**. Given that this bankruptcy record was incorrectly reportedand potentially fraudulentlyI am requesting its immediate removal by **all bureaus** that have ever reported it. This incorrect record has caused significant harm to my creditworthiness, specifically resulting in my recent **denial of credit** from XXXX XXXX XXXX XXXX XXXX, XXXX. 

In addition, I seek **compensation** for the negative impact this has had on my ability to obtain credit from XXXX to the present**. 

Thank you for your prompt attention to this serious matter. 

Sincerely, *XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX. 2022 Is where the problem came. I got the flu and was off for a week and feel behind and haven't caught up yet.i was seeking for help before the foreclosure come about
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) - Dispute inconsistent dates with other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called USAA because I was experiencing a hardship due to COVID-19. I made an arrangement to make the payment betweenXX/XX/XXXX to XX/XX/XXXX. USAA negatively reported the account the credit bureaus on XX/XX/XXXXbefore the payment could be made. I called USAA about the credit reporting issue and made the payment to bring the account current. My credit report is still showing a negative mark and I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when there was an arrangement in place to pay by a certain date.
Product: Mortgage

21ST mortgage will not help me, they are trying to foreclose on me. I lost my job due to covid. Please help or me and my kids will be out on the street.
Product: Debt collection

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. 

You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. 

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. 

Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Product: Debt collection

Someone open up a home Depot credit card account in my name using my social security don't know how they did it then messed up my credit try reach out to home Depot no answer.
Product: Checking or savings account

I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. 

I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, XXXX, and Transunion credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Product: Credit card or prepaid card

This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age.