23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX concerning my dispute status update. I spoke with a guy it was very hard to understand him becaue XXXX was not his XXXX language. The guy gave the name of XXXX XXXX and did not want to provide his last name. I honestly don't beieve he gave me he correct name. He stated he didn't have an open diute for me when I submitte the dispute on XX/XX/XXXX. I was advised in the email I would recieved a estated copmpletion date of XXXX, XXXX, XXXX. I advied the man on the phone I hadn't recieved an email concerning my disputes cases. He then said we contacted you by email wa incorrect, I have yet to recieve an update on any diutes filed XXXX XXXX, XXXX, XXXX. I asked him about removing an old address of my file. He stated he needed to ask me some random questions. He asked XXXX questions and XXXX oh which he aske me about someone name XXXX XXXX, I advised him I don't know an XXXX XXXX. I don't have any children and that is not the name of my father nor my brother. The man on the phone XXXX stated I fell and he couldn't assist me further. I am a victim of ID Theft and I have filed a ftc report concerning the fraud Id theft I've experinced. I want something in writting providing my ownership of said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is  XXXX   2016  XXXX   XXXX   2016
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

ADDRESSES I NEVER XXXX XXXX XXXX # XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file XXXX Please DELETE THEM Account Name__XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name__XXXX XXXX XXXXXXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Checking or savings account

The past 2-3 months, every single visit to a KeyBank branch has resulted in them being " unable to find my address '' on my account, even though I have my address listed on my account and it is visible in the app. This has happened 5-6 times, and on XX/XX/2023, a visit to a branch somehow necessitated me writing down my Social Security #. 

Upon calling customer support earlier today, I was told that they " didn't have anyone to solve the issue '' and to resolve it at my local branch, even though it happens at every branch. 

It is clear that KeyBank doesn't care about its customers, and I am switching elsewhere.
Product: Credit reporting

All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report
Product: Vehicle loan or lease

The company failed me. As a consumer, the manager ignored the law. The disclosures were not set conspicuously and they ignored the principal request to assert the credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to as other than a beneficiary. The SSN social security number provided serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit through aquisition and repossessed the vehicle when the application served as collateral. The vehicle is the asset. The application was submitted and consumer was also forced to sign the application electronically with not rights reserved because the threat of not fulffiling the offer was on the table. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no credits or applcaiton fulfillment. The ability of fulfillment of every credit / consumer obligaion is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Debt collection

Mailed a letter on XX/XX/year> about this account that i am not aware on any transactions with this company, no signed documents, notes with me and this company. i did not provide any of my private personal information to them and dont know how they got it. 

I requested these documents and also gave a cease and desist order. They are continuing to contact me through my private personal credit report medium without my consent or having any of my permission. 

Provide these documents or i will see you in court and youll be hearing from the irs as i file identity theft as you trade and make compensation off my name and not paying me the interest for you using my name. 

XXXX. A full accounting per XXXX, including a certified accounting ledger. 
XXXX. W9 form for IRS tax purposes filled out by a corporate officer XXXX. A true and certified copy ( not a photocopy ) of the Original Note ( Credit Agreement ) accompanied by a statement under penalty of perjury confirming the non-sale of this Note. 
XXXX. Any and all relevant tax documents ( e.g., XXXX, XXXX, XXXX, XXXX ). 
XXXX. Details of any additional documents relevant to the disputed charge-off. 

Attached is the first letter that was sent to them and also the second letter i will be mailing out. You will pay for damages.
Product: Checking or savings account

During 2022, I inquired about rolling over my Retirement/IRA accounts to a different bank with my local Wells Fargo bank branch in XXXX, TX. The branch employees gave me some forms to sign for what they said was told was for my retirement rollover. When I was given my 1099-R forms for 2022, I discovered the Wells Fargo ran the transaction as a complete distribution instead of a rollover as I requested. This mistake by Wells Fargo is now causing me to owe a lot of money on my tax return for 2022 and is not what I requested the local branch to do with my retirement money. I am XXXX years old and Wells Fargo did not want to help me at their branch that was closing down, and they did not want to help me when I called their corporate offices to fix this horrible situation. The forms that I signed at my local branch were not explained to me when I signed them. If the Wells Fargo employees had done their job and properly explained the forms, I would not have signed them. I wanted a rollover and not a complete distribution, but Wells Fargo has refused to help me fix the problem.
Product: Mortgage

I have had my insurance with XXXX for 20 years now as long as I had my mortgage with KeyBank. I 've had wind damage to my roof and when I contacted XXXX they told me my insurance was cancelled back in XXXX because KeyBank did not submit the escrow. KeyBank clearly said they are at fault. So now I had to get new insurance and they are requiring my to replace the roof. I have contacted KeyBank and still no response even though in the Email to XXXX they clearly say they are at fault and will apply back insurance from my cancellation date due to the error.
Product: Credit reporting or other personal consumer reports

I don't understand why it took Experian and XXXX so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported. 

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that Experian and XXXX are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.
Product: Money transfer, virtual currency, or money service

I am filling a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specify, Cash. App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This company ( s ) reports fraudulent, inaccurate information on my credit. 
XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITAL ONE XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$25.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}
Product: Credit card

Bank of America refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Unfair Overdraft Fee & Lack of Transaction Transparency Complaint Description : XXXX XX/XX/2025, my account balance was {$4.00}. I added funds, ensuring my balance was never negative. However, after I deposited money, the bank processed a previous transaction and charged an overdraft fee. At no point did my account show a negative balance before they charged the fee. 

I requested the exact timestamps of the transactions to verify how the bank applied charges, but they refused to provide them. This raises concerns that they are manipulating transaction order to create overdraft situations and unfairly charge customers. 

I am requesting an immediate refund of the overdraft fee and a clear explanation, with timestamps, of how they processed my transactions.
Product: Debt collection

During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX  at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

chime is an absolute scam. I have opened an account and as soon as I send money to it form my XXXX account. chime has locked access to my account. there is a message showing up I should contact them at XXXX but they completely ghost me and do not even bother to reply. so basically they stole all my funds which have been sent to the account
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit reports. I recently received an unsigned lease from the debt collector regarding XXXX at XXXX XXXX. They are stating that I agreed to pay thousands of dollars in fees should I terminate it. 

I requested a SIGNED document stating that I agreed to the broken lease terms and I received a document reflecting initials and no signatures by either party. In my understanding a valid lease agreement requires a signature from both parties to be considered a binding contract. 

I am requesting your assistance in investigating this matter. I believe this information on my credit reports is inaccurate and is damaging my credit score and my ability to obtain another rental. 

I have attached a copy of the notice I received from the debt collector, Pro Collect. 

I would appreciate it if you could investigate the issue and contact the debt collector Pro Collect XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If they can not provide a fully signed lease/document than I request that this information be deleted from my credit report entirely. From all three major credit bureaus, XXXX, XXXX, XXXX and XXXX XXXX if it is so reporting. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I went through the process to dispute along with letters but nothing was resolved. I am currently trying to buy a home but this debt shows up as active and late. That's incorrect, it's been paid in full and should be removed from my credit report. Not all three credit buearus are reporting the same, especially Experian. Please remove this account completely. 
Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My previous complaint, which was documented very well and even provided the latest certified letter, all attachments, and proof of delivery, was met with a letter from Equifax that said that my dispute about my name was valid. I still do not have access to my credit file. Can I file a federal lawsuit for their failure to validate the complaint properly?
Product: Credit card

I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.
Product: Credit reporting or other personal consumer reports

Please ensure removal of XXXX XXXX. Attempted to get information on exact charges on card and never received any information. Disputing charges cuz I believe charges were made by my ex-wife prior to divorce these charges were not authorized by me please investigate and remove account from my credit report because they were incurred without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/scrub>/2024 by AMERICAN CREDIT ACCEPTANCE. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.