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

In response to a promotion by Key Bank which offered a {$200.00} bonus for opening a checking account and having {$500.00} direct deposited to that account, I applied online for a checking account using the online promo code with Key Bank. I was approved ( see attached ). However, when I attempted to access the account online it confirmed my user name but I could not get a new password. I was told that I was locked out and should call XXXX where I spoke to XXXX at great length on Saturday, XX/XX/2022. He concluded that the account was indeed open and that someone from tech support would sort out the problem and send me an email next week. After no email came, on XX/XX/2022, I called the same number and spoke to XXXX who insisted that I must appear in person to confirm my identity. I told her that was impossible and she told me there was nothing she could do. In the meantime, I have set up direct deposit with one of my employers who has sent {$0.00} to this account and two other banking institutions have send test deposits. I have no idea what the problem is with identity since that was checked in the application which was approved. XXXX told me that as of XXXX am XX/XX/2022, someone at Key Bank decided that I must appear in person to validate my identity. There was no explanation nor logic to this request. I am elderly ( age XXXX ), not in good health and can not make a trip to XXXX, XXXX. I live in Massachusetts. Key Bank needs to open the account and be done with this foolishness. The offer was to open online which is what I did. To do otherwise is bait and switch and fraud. To further show how chaotic an operation Key Bank runs I received an email on XX/XX/2022, encouraging me to make at least a {$10.00} deposit or the account would be closed as of XX/XX/2022. No written demand to appear in person was listed in the email. I think Key Bank hides behind the boogeyman of fraud to cover its general incompetence. Clearly they do not know what they are doing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question, XXXX XXXX XXXX incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.
Product: Mortgage

Literally can not get ahold of a live person at this place. Phone system does not allow. They purchased my mortgage from a different provider and I have had nothing but issues with payments getting there on time or even knowing they were late. Can't get ahold of anyone to discuss. They sent an initial letter stating that they purchased my loan and that nothing would change. So I carried about my day. But after a few months, they stopped receiving my auto payments. As the address I was sending to must not have worked anymore. I finally got it resolved on my end, but then got hit with Fees and a delinquent report on my credit report. I have never missed a payment in my life. I now can't even talk to anyone about this. Seems like this company is in business to make it challenging to do business with and charge late fees. So upsetting.
Product: Credit card or prepaid card

My card was charged with a lot of purchases from Apple Service. It was unauthorized charges. I reported fraud with the credit card company since XXXX, 2020. They were able to reimburse back most of the charges on my credit card. However, during the process, they reported to the credit bureau about my delinquency even during the investigation of the dispute. Finally, I paid the rest of unauthorized charges so my credit report can be cleaned but the delinquency still appears on the credit file. I contacted the credit company but they didn't do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXXXXXX XXXX with a balance of {$1200.00}, XXXXXXXX XXXX with a balance of {$1600.00}, XXXX XXXX with a balance of {$7000.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXXXXXX XXXX with a balance of {$410000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX compliance in processing. Navy Federal Credit Union, unable or unwilling to process approved XXXX requests in a timely manner. This is in direct conflict with federal law & interfers with my ability to focus on defense of my XXXX XXXX XXXX. My request was sent on XXXX XXXX, approved on XXXX XXXX ; however, I'm currently being told that account adjustments timeframe can not be determined since they are just now processing requests from XXXX. Unacceptable!!! 
It is not good enough for them to expect me to honor my responsibility to continue to make the higher payment on time, and they not care enough to honor their lawful responsibility to make the XXXX adjustments in a timely manner. Excuses for the reasons why we are unable to do what we signed up for, are unacceptable on either side. I'm doing my part, following the outlined protocol & defending our nation, I expect and charge Navy Federal Credit Union to do theirs.
Product: Credit reporting

While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.
Product: Vehicle loan or lease

Started a bankruptcy in XXXX started paying trustee in XXXX couldn't afford the bankruptcy and the auto payment so I fell behind. Auto loan is not under XXXX  so tried to get on an agreement they wouldn't work with me said I had to go through XXXX XXXX and file a court document to get on a 6 month pymnt plan. XXXX XXXX said I shouldn't have to and didn't want to but did anyways. We got a written agreement to pay XXXX a month starting XX/XX/XXXX. I paid the amount on XX/XX/XXXX I have an email confirmation. They attempted to repossess my car on XX/XX/XXXX. The guy felt bad gave it back after showing proof of agreement. I had contacted XXXX he contacted lenders XXXX they said it was a mistake. Then thought nothing. Then car gets repossessed on XX/XX/XXXX without my knowledge. Now lender is saying my agreement is not valid. When it's in writing and it feels like it has been stolen from me. I would also not be so behind if I was aware the agreement wasn't valid as well as make sure it didn't come to repossession and have to pay a repossession fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of XXXX XXXX. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. The presence of this fraudulent account tarnishes my credit history and could have serious implications for my financial future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a debt letter from Waypoint Resource Group. I was in shocked because I don't remember owing a cable company under my name. It stated that I owed them back dated on XX/XX/XXXX of {$12.00}. I did not opened an account with the company for a long a time. I was not the account holder around this time. I want this debt off my name. I have a very good credit and I don't want this company to ruin my credit score.
Product: Credit reporting or other personal consumer reports

Its been 30 Days and the Three Credit Bureaus have not gave me my Dispute Investigation Results.
Product: Debt collection

Plaza Services opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since    XXXX   XXXX      a mysterious payment from Plaza Services appeared as a collection on my  XXXX  report. I check all my physical mail and email, I never had any collections or payments due to "   XXXX   XXXX   XXXX   '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN just  to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with   XXXX   XXXX   XXXX  , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called   XXXX   XXXX   XXXX   to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have wells fargo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XXXX XXXX, I made a payment through t the Capital One website for {$300.00}. On XXXX XXXX, an automatic payment was made for {$1400.00}, because of a setting to " pay full balance '' or similar setting. This was unintentional, as the setting had been made months ago, when bill was normally under {$10.00} monthly. When I realized that this transaction was pending in my checking account with my home bank, I contacted Capital One to cancel the transaction or set up a refund. I was told that the transaction was already processing, and to contact them when it went through and cleared my checking account, that they would refund it for me. I called on XXXX XXXX when it was cleared from my checking account. I was told that the refund was processing and could be several business days. I then received a letter in the mail that the transaction was unable to be processed at this time, but to call if I had questions. 
On the evening of XXXX XXXX, I called, and was told that the reason it was declined or unprocessed was that my banking account number and routing numbers were not on file. I then provided this information. A week later, I still had no refund. Today, XXXX XXXX, I called checking on my refund. I was told that it was processed on XXXX XXXX, and declined on XXXX XXXX, but that it was because my bank declined it. I was advised to call my bank, but I was assured by them that I needed to make sure that Capital One had the correct routing number on file, and selected checking account to ensure proper transaction. 
When I called again, for the second time today, and fifth time contacting Capital One in two weeks over this issue, I was told that they just could not refund it, that it would keep getting declined, and did " not meet the criteria '' without any examples or answers on what this criteria is, for a refund. I just bought a home, my checking account is empty, I am paying over charges and fees for bills that I can not cover in my checking, and Capital One will not return MY MONEY to me, or provide a reasonable explanation. I closed my account with them, but I still need that money to live on.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the XXXX dealer ship to get a car but they went crazy on checking my credit report all hard inquiries after everything they say no to me 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Consumer Loan

in XXXX 2016 my daughter traded in her XXXX, XXXX that she had for almost 2 yrs. XXXX XXXX paid off the vehicle by sending a check for XXXX to Wells Fargo Dealership. They shorted the pay-off check by {$170.00}. Since I had co-signed for the Equinox, as soon as I found out there was a balance remaining I contacted XXXX XXXX. They sent the remaining balance on XXXX XXXX, 2016. My daughters XXXX payment was due on XXXX. Wells Fargo reported to the credit bureaus that the payment was 30 days late. They received the check XXXX/XXXX/16 and they should have received they last XXXX XXXX/XXXX/16. that would not cause it to be 30 days late. My daughter never had a late payment while she had the XXXX. I do not understand why the first check was not posted to the account when they received it instead of holding it for two weeks and posting them both on XXXX/XXXX/16.