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

This is a follow up complaint for XXXX. I incorporate that complaint by reference. 

The issue is a washed check from XX/XX/XXXX for my company, the XXXX XXXX XXXX XXXX XXXX. 
The amount of the check is {$3200.00}. 

As you can see from my prior complaint, I have called the Key Bank fraud line many times and on several occasions been treated poorly, at best. 

My last complaint to the CFPB resulted in a letter dated XXXX XXXX XXXX from Key Bank Enterprise Client Relations. This letter is part of the file for my prior complaint and incorporated herein. 

It stated that, despite my many calls over the past two years, that Key Bank neglected to tell me of a request from XXXX XXXX. They did not advise me of this request for over one and a half years, despite my many calls. The Key Bank letter of XXXX XXXX XXXX acknowledges this error on their part. 

Allegedly, XXXX  XXXX is looking for an affidavit stating that XXXX XXXX is the Receiver of Taxes for XXXX. XXXX. She properly endorsed the replacement check for the washed check.This is public information, available on their town website and can be easily verified. This is an elected position. It is similar to being requested to prove, but affidavit, that someone is a governor or president. This is a fact they can verify. 

The end of the letter stated additional documentation is needed and that I was to work directly with XXXX XXXX at the XXXX branch. That is my local branch and I have cordially dealt with her over the years we have had these accounts. 

I have tried many times to reach out to her. 
1. I emailed her on XX/XX/XXXX. 
2. I emailed her again on XXXX XXXX XXXX 
3. I emailed her a third time on XXXX XXXX XXXX 
4. I then called and left a message with another employee. I was told she was busy but she would call me back. 
5. I sent a written letter on XXXX XXXX XXXX 

I have not had a response to any of the emails, the call or the letter. This is poor bank customer relations. 

I can not imagine that two years have passed and these funds have not been returned to the account. I have already provided all the documentation that was requested. 

I can not believe that Key Bank did not tell me or a year and a half that XXXX XXXX requested information on XX/XX/XXXX and that I was not informed until the letter of XX/XX/XXXX was sent to me. 

The information requested the name of the Receiver of Taxes, is public information. 

I also am very displeased that I have tried to contact the designated person at Key Bank, five times but there has been no response. 

I would appreciate that this matter be promptly resolved with the return of the funds to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my Equifax Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted Equifax XXXX XXXX and XXXX exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my Equifax Credit Report " Deleted ''
Product: Mortgage

Paid off my loan with Sterling National Bank in XX/XX/XXXX Loan # XXXX XX/XX/XXXX I received a letter requesting proof of Successor in Interest for my deceased husband Responded to this letter on XX/XX/XXXX providing all documentation requested and asked for timeframe for receipt of discharge of mortgage Received a letter XX/XX/XXXX requesting additional documentation surrounding my husbands death Responded to letter on XX/XX/XXXX attaching all documentation AGAIN Called County today and confirmed there is still not release of the mortgage I need this release. Payoff occurred XX/XX/XXXX it is now 6 months later and still no release.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX/XXXX  XXXXXXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX  not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and XXXX XXXX XXXX, I am writing to formally file a complaint against Transunion concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Despite providing supporting documentation that substantiated my claim, Transunion responded in XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Transunion may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Transunion through certified Mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Transunion is held accountable for its obligations under the relevant statutes.

Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for violating federal laws by refusing to remove fraudulent debts from my credit report after I provided a valid XXXX XXXX letter. 

On XX/XX/year> and XX/XX/year>, I submitted a dispute to Experian under the Debt Bondage Repair Act ( DBRA ) ( 15 U.S.C. 1681c-3 ) requesting the removal of debts linked to my trafficking status.

I provided all legally required documentation, including : A verification letter from CAST COALITION TO ABOLISH XXXX XXXX XXXX, a federally recognized organization. 
Proof of identity ( driver 's license, SSN, and utility bill ). 
A copy of my credit report highlighting fraudulent accounts. 

Despite receiving my documentation, Experian refused to remove these debts, falsely stating they could not validate my XXXX letter. This is a direct violation of multiple federal consumer protection laws.
Product: Credit card

American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.
Product: Debt collection

To whom it concerns : On XX/XX/2020 Collection company Receivables Performance has marked my credit for a balance of {$1900.00} for an account past seven years. On XX/XX/2020 I called to verify my information and due to statue of limitations the account should not be reported on my credit. I ask to please delete this account. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by two credit monitoring services that there had been a hard credit inquiry on my Transunion profile. I contacted the inquirung company, XXXX XXXX XXXX, and told them this was fraud. They stopped processing the application, but will not automatically remove the inquiry from my credit report. I subsequently contacted Transunion and placed a fraud alert and credit freeze on the report. 

The next day my mail carrier left a card in my mailbox informing me my mail was on hold until the ned of the month. I then went to the P.O. and informed them that I did not place the hold. They then removed the hold. 

I have taken steps to protect my credit, but my concern now is to have XXXX XXXX XXXX  remove the inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported fraudulent reporting to all 3 agencies, XXXX, XXXX, Transunion. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 +  months, totally decimating my excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card with HSBC was used fraudulently and HSBC alerts were not sent to me when fraudulent activity was occurring. I was made aware of the fraudulent activity only when I was sent a bill showing a past amount due. I immediately called HSBC to report fraud and to have the fraudulent charges removed ; however, there were finance charges and late fees derived from the fraudulent charges that needed to be removed as well. I was told that it would take a minimum of 60 days to investigate the fraud charges, but that my account would STILL BE REPORTED LATE to the credit bureaus. I was told that only AFTER the investigation I could get the finance charges and late fees removed from the account and THEN they would update the credit bureaus to update the balance. However, the bank should not report this account late or show delinquency on my credit report due to fraud. Furthermore the delinquency reporting needs to be removed from the credit report and not just the balance updated to show as paid. I have a flawless payment record that will be tarnished by the practices of HSBC.
Product: Credit card or prepaid card

I opened a checking account with Chase in XX/XX/2015. They offered a Freedom credit card. I felt like saying no thank you but they made it seem like id be crazy not to use the rewards program as it would be money in my pocket. I agreed and trusted the process but but but not realizing that the more you spend the more u get back was sooo not true. I used this card for everything and rolled over the rewards to the card hoping the rewards would help but it did not. This account is now closed. I contacted them and they put me on a plan to pay it and I told the guy I could only afford {$50.00} per month. He said he couldn't go below {$90.00}. He set it up and now it has 5 late payments. When I try to pay the {$50.00} I can afford they won't accept it. This card balance is {$4100.00} with {$350.00} per month. Oh and I never requested the credit limit to be increased either. It just happened ... like it was a good thing! And if they would not have done that maybe I could have gotten a grip on the card once I realized the reward program was a way to keep a big balance leading to more intere $ t. Not a reward at all. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving many vulnerable to scams.
Product: Debt collection

I disputed items inaccurate on my credit report and to the company attempting to collect the debt. This is not my debt not owed. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Checking or savings account

My ex was spending thousands on my account how i dont kno how but he has all access to all my stuff
Product: Vehicle loan or lease

Company keeps playing games they sent me an email about a letter and statement about XXXX in the XXXX asking me to login and read it, guess what my account still locked
Product: Credit reporting

There are a series of credit inquiries on my reports that I did not authorize. They began appearing after a credit card was stolen from my mailbox. I 've written letters to the companies listed on my reports and have disputed with all XXXX credit agencies to no avail.
Product: Vehicle loan or lease

My original loan payment is {$730.00} per month. I entered into a loan modification for 6 months starting on or around XX/XX/2023. I was only supposed to pay {$360.00} while only accruing 6 % interest so I could catch up on some payments due to financial hardship and make some additional payments to pay down my balance. I have paid a total of {$1400.00} in 4 of the 6 months so far, which should total {$2200.00} at the end of six months after XXXX. Only 3 months were honored ( payment amount only, interest still charged at over 22 % rather than 6 % ) under that agreement and now I am told I'm late {$400.00} which is half of my original payment amount plus late fee ( XXXX plus XXXX ) and I imagine there will be more coming. I have proof that this agreement was made with modified payment amounts and supposed to be at 6 % interest, but it has been at over 22 % ( see attached ) the entire time. One Main has told me on multiple occasions that they recorded the original phone call in which these terms were stated, but they have conveniently misplaced the recording. I am being cheated and have been told multiples time by supervisors that a correction will be made for the past three months. I have been harassed, lied to and cheated. I have never received a return phone call from any of the representatives or supervisors I have talked to, only told that I would hear back within a couple of days to no avail. At the end of my modification they are trying to make me pay additional payments and interest in the amount of {$1100.00} ( XXXX for past due payments for 3 months ) and also for late fees which will total {$110.00} ( {$36.00} for late fees for 3 months ) until this is resolved. Please work with One Main to reverse the current {$400.00} they are saying is overdue and reduce my loan amount according to the agreement that while I am in a modification according to the 6 %. Please also correct the unjust interest charged to my account as well.
Product: Debt collection

R.S.Clark and Associates are inaccurately reporting to my credit repor t (  XXXX  &   XXXX   ) a debt that does not belong to me. This debt as been disputed several times and they are continuing to report it as " verified ''. This debt collection ag ency is in direct violation of my rights and the Texas law by not being properly licensed and bonded in the  State  of Texas to be a debt collector. They are reporting false information monthly on my credit report, as well as not being legally authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

while looking at my credit report today XXXX XXXX, 2015 via experience I noticed a credit card opened on XXXX 2015 for chase Bank, with a total amount used of {$450.00}. I did not apply for a chase credit. 

Please let me know the next step via email : XXXXXXXXXXXX or cell XXXX
Product: Credit reporting or other personal consumer reports

I have various late payments on my credit report from my capital one credit card from 2021 and they are not accurate. I have tried reaching out to capital one but they are not providing me with the information I requested, nor are they interested in rectifying the situation. 

According to USC Code 1666b, " a creditor may not treat a payment on acredit card account under an open end consumer credit plan late for any purpose ... '' I did NOT receive a statement, rather via mail or email, from Capital One informing me of due date within 21 days of my the due date. 

I would like for the late payments to be removed immediately.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX  XXXX XXXX XXXX XXXX : {$0.00} Date of Account : XX/XX/year>