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

On XX/XX/XXXX I opened a KeyBank checking account ( KeyExpress CheckingAccount Routing Number : ending in XXXX ; Account number : Ending in XXXX ) using promotional coupon code " XXXX ''. I funded that checking account with an initial deposit of {$50.00} ( XXXX dollars ). 
On XX/XX/XXXX I contacted KeyBank by phone and requested to close that checking account. The KeyBank representative stated that she was unable to close the account due to a " pending transaction ''. I found that an unusual reason not to close the account, but I agreed to call back at a later date, once the pending transaction had cleared. 
On XX/XX/XXXX : I contacted KeyBank by phone and once again requested to close the checking account. I was transferred to a representative named " XXXX '' who posed several barriers to me closing the account. She used several tactics and tried to coerce me not to close the account. After several minutes on the phone, I insisted that I wished the checking account to be closed immediately. " XXXX '' then said that I would be charged a fee for closing the account. I disputed that claim since the terms and conditions that I signed upon opening the account didn't contain that information. It seems that charging customers a fee for closing a checking account that has been in good standing, without any derogatory marks or transactions, would be an illegal act. At the time I asked to close the account, the available account balance was {$50.00} ( fXXXX dollars ). 
Several days later, I received a check from KeyBank for the remaining funds in that checking account : {$25.00}. Therefore, KeyBank kept 50 % of my initial deposit as an arbitrary fee ( and as a way to punish the consumer ) for closing the account.

Please assist me in recovering the {$25.00} I'm still owed by KeyBank. 
Thank you.
Product: Mortgage

Below what I sent to the mortgage company Carrington Morgage Services LLC XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX As I learned the details of my account today, I wont call this a dispute but I will appreciate your time to understand the events that unfolded and caused my account to go under balance which caused payment issues with Carrington and eventually affecting my credit score. 
Below key events - From the very beginning I set up with Carrington Mortgages website bi-weekly payments, not only to accelerate payments, but also to have piece of mind due to my high frequency of out of the country flights. 
- You can see by my history that my bi-weekly payments have been executed without issues until XX/XX/XXXX, that I am now learning it had been returned due to insufficient funds in my account. 
- During XX/XX/XXXX and XX/XX/XXXX I suffered from unauthorized charges in the same XXXX XXXX XXXX account I use to pay my mortgage, I submitted the claim to XXXX XXXX XXXX as soon as I realized ( and I was back in the States ), the claim report is attached below, you can see the amount of {$2300.00} which made my account lower than usual and for what I normally prepare for mortgage payment. 
- All this time, the bi-weekly setup have been working without any flags and calls to my attention to highlight the underpaid situation, I do acknowledge that monthly statements have been reflecting it, however the electronic statements can only be accessed by go to the website and no hardcopy is sent ( I do not recall getting any since setting up digital statement ) - Additional attachments is to demonstrate that I was out of the country in early XXXX and I returned on XX/XX/XXXX. 
It is a lesson being learned in a hard way as there is no piece of mind setting up electronic statements nor bi-weekly payment, and as I acknowledge it, I am hoping that you recognize that the number of events that unfolded, created a situation of confusion ( XXXX XXXXXXXX XXXX ) and more importantly it caused me to go underpaid in my mortgage. Not having a proper mechanism to flag it in Carrington website aggravated the whole situation. 
Ill appreciate your consideration on removing the negative flags in my credit history for XXXX and any other month affected onwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified TransUnion several times that there are inquires and accounts on my credit report that I haven't applied for, authorized nor do I know where they came from. They continue to report these accounts after being provided a police report, state drivers license, proof of my current address and an identity theft report. I am asking that these accounts be deleted and the inquires listed on the identity theft report be removed from my credit report.
Product: Checking or savings account

For complaint number XXXX I asked Capital One to open my account since your system is defective. Someone by the name XXXX received my complaint and answered to it with no resolution, document attached. You mention there was information on my XXXX XXXX  report that prevent me from opening my account. Attached is my full report from XXXX XXXX. Literally 2 inquiries when one belongs to you ( Capital One ) nothing else. In what world you have a brand new report with XXXX information on it and you will use against a potential client because you don't see any negative remarks? I believe your inquiry will affect me with future Banks application and it needs to be either processed as a new application or you'll have to delete the inquiry. I'm just not gon na accept that I have a clean history and you still not open the account. I will do every within my power to get it done or get it removed, but you will NOT be another inquiry left on my report for no reason.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed an account reported a late payment that that has never been late. The consumer reporting agencies need to report all information with accuracy. I have attached my reports with the inaccurate error with XXXX XXXX  LATE PAYMENT IN XXXX of 2024.
Product: Checking or savings account

Unfortunately, my mother could not travel due to a medical restriction and several merchants refused to provide her with a reasonable accommodation of canceling our reservations and issuing a full refund as her doctor requested. Thus, I went to Navy Federal Credit Union ( NFCU ) to file six ( 6 ) debit card disputes seeking out the protection under the Electronic Funds Transfer Act ( EFTA ). These purchases went wrong as they were canceled and we did not receive the services. However, NFCU did not refund our purchases after we fully cooperated by providing supporting documents on multiple occasions via NFCU Dispute Center portal.
Product: Mortgage

I have been working with a loan officer who choose Rocket Mortgage to obtain my FHA loan. I am on week 6 of this process. Rocket Mortgage accidentally canceled my first appraisal. Then they decided last minute that they wanted a second appraisal. And then on the day I was set to close they let my FHA case number expire. No one has any urgency in fixing any issues. I know I am just another number, but I am a day away from loosing my house and no one cares, even though all of these hold up could have been avoided. They just don't seem to care. I know absolutely nothing about what's going on and I am literally in tears everyday this is being dragged out. There is a life changing consequence and I am the only one who will suffer that.
Product: Credit reporting, credit repair services, or other personal consumer reports

.On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX/XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
Product: Checking or savings account

Dear Consumer Financial Bureau, On XX/XX/XXXX we mailed a business check to a vendor of ours for a total of {$21000.00}. On XX/XX/XXXX our vendor informed us that they never received the check, however we noticed on the online banking portal that the check was cleared and that the name of the payee was changed to a company that we have never worked with or heard of. 

We immediately contacted Chase bank which is the bank that we used under this checking account and filed a claim XXXX XXXXXXXX. We also filed a police report with City of XXXX Florida police dept. and the post office police. 

The fraudulent check was cashed at XXXX XXXX XXXX and as of today XX/XX/XXXX they have not refunded the money back to our Chase checking account. 

We have contacted Chase bank on numerous occasions in reference to this claim and they say that XXXX XXXX XXXX has not responded to the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, there are laws put in place that prevent certain information from being furnished on the consumer report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions and experiences between the consumer, Me ( XXXX XXXX ), and the person making the report ( Aidvantage/XXXX  ) should be excluded from the consumer report. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) no specific extension of credit directly or indirectly should be reported to the consumer reporting agencies ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Aidvantage/XXXX has been reporting ten late payments on ten student loan accounts since XXXX. A late payment could be qualified as a transaction and an experience in this case. Reporting these accounts are a violation of the Fair Credit Reporting Act in itself. I have attached a copy of the specific laws for review. 

Please remove the following accounts from my credit report as to by law they are not permitted to be on my consumer report. 

The late payments were a result of XXXX failing to notify me that my forbearance was coming to an end and instead of notifying me they put late payments on my credit report. The 10 late payments have been on my credit report since XX/XX/XXXX and have gravely affected my life and credit worthiness. Ive been denied credit cards, home loans, car loans, business lines of credit and even jobs due to these items being negligently reported on my credit report despite numerous disputes being submitted. For three years, I have suffered, and it must come to an end today. I have attached the article for review. 

These accounts were transferred to Aidvantage from XXXX. XXXX was sued in XXXX for incorrectly reporting the payment history of millions of consumers. I am one of those consumers affected by this error. 



Aidvantage sent me a generic response without properly investigating my claims. These late payments have gravely injured me and defamed my character. Causing me to not qualify for life enhancing opportunities. 

I have no relationship with Aidvantage, neither did I consent to them having my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is Citibank refusing to update my account with a XXXX   balance to the reporting credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I noticed an alert from my reporting agencies saying there was an inquiry from Paypal on my report I immediately called their fraud department and spoke with an agent stating I didn't apply for credit with them and when I called all 3 times each agent said they would send me a letter stating it was fraud and I never received anything back with stating I gave them permissible purpose to pull my credit. I have disputed with the credit bureaus as well and submitted my identity theft report.
Product: Credit reporting or other personal consumer reports

This XXXX account is identity theft and was previously removed. It can not be reinserted under FCRA 605B & 611. I demand immediate and permanent deletion.
Product: Debt collection

XXXX- XXXX  I opened up a business account for my new business XXXX XXXX XXXX in XX/XX/XXXXusing my social my personal information my name my last name and date of birth and my address which that time was at XXXX  XXXX    which I worked and I live there as well upon applying it asked me for my tax ID number at that time I put my sales permit number which is a tax state tax number usually for wholesalers I put that in as my Thats ID number since I did not have tax ID number and I thought my sales permit number would suffice a few weeks later I received a card in the mail that had my business name and my name on it so I used it and did not get a statement I called them and they stated that the accounts been closed somehow my card was linked to my old Account the XXXX  XXXX   which I worked previously and I currently live there they contacted police department which accuse me of committing fraud however in the investigation I recently found out that my social my name everything that pertains to me was used in the application and my business name was used and my credit card onlyHad my business name and my name never my old employers name that was added after I applied someone and Citibank looked up the address and added the address account name which my apartment complex had the same account or an account with Home Depot for the complex they popped up the same address however they did not put my apartment number only the street address which showed the apartment complex officeI had a phone bill through XXXX XXXX XXXX or XXXX at that time that was again using my apartment address however the phone company later on they corrected the account to reflect apartment number instead of the complex this mixup reported my information and the apartment complex office information as one agency which XXXX XXXX XXXX recorded as parent company this was done not by me but by Citibank when they linked the two accounts as one under the apartment complex office instead  of my apartment number this caused a XXXX  XXXX  and at that time I represented myself and lost I spent XXXX  months in XXXX  and to this day Citibank never told the truth and I am still suffering from the effects of Citibank having the ability to edit applications and fix information that was never added but added after the fact just to approve applications they single-handedly input other information which they think is relevant or corrected this in return is a scheme because ultimately I owe {$20000.00} of restitution to Citibank which Ive never Received any merchandise from Home Depot because it was a controlled order and law-enforcement intercepted the order I am undergoing a application for XXXX  review the District Attorneys Office agree to review my XXXX  because they agreed that Citibank made improper allegations and may have indeed added the information when verifying the credit account Citibank made a error and my life was changed forever
Product: Credit card

I sent Certified Mail # ( XXXX ) to Capital One XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per credit card agreement, items with restrictive words, conditions and instructions which was received on XXXX XX/XX/2023. I also sent Certified Mail # ( XXXX ) to XXXX  XXXX XXXX XXXX ( Capitol One ) XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( which was delivered on XXXX XX/XX/2023 ) a Letter Of Instructions, Claiming the Interest & Equity Owed to XXXX XXXX XXXX Principal accounts ( XXXX ) ( XXXX ) ( XXXX ). 
I sent the Endorsed Bills per Bill Of Exchange Act 1882 Chapter 61, I sent a Durable Financial Power Of Attorney, to show I am the agent for the principal and I also sent a letter titled Federal Reserve Act Section 16. Notes Issues, just in case they have forgotten their duties as CFO. I mentioned in the instruction letter for the CFO to contact me in writing within XXXX business days giving reason for non-performance of his fiduciary duties. Then the XXXX  XXXX XXXX XXXX Closed all three of my XXXX XXXX without my authorization and reported a false statement to the XXXX reporting companies that it was canceled by the creditor which is a lie because I'm the XXXX XXXX and I did not authorize what is going on now. 12 USC Sec. 1431 shows the powers and duties of the bank, they are the borrower and they pay the interest all Banks are security transfer agents and are committing securities fraud daily. Capital One XXXX  XXXX XXXX XXXX is in Violation of the Federal Reserve Act Sec. 16 Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61 and the Federal Reserve Act Sec. 29 Civil Money Penalty. Capital One has a pattern of misconduct when it comes to upholding the Federal Reserve Act Section 16. Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61, Hart-Scott-Rodino ( HSR ) Act and the Constitution of the United States. Capital One and XXXX XXXX XXXX XXXX is knowingly and recklessly causing a substantial loss to the principal and is in breach of his fiduciary duty. I am now in the Second Tier of The Federal Reserve Act Sec. 29 Civil Money Penalty with this company. I guess I will have to take this to Federal Court because it seems like the CFPB is in the pocket of all these banks and does not do a thorough job of investigating these Banks for breach of contract and securities fraud, heck maybe they don't know the Law either.
Product: Credit reporting or other personal consumer reports

I put in a complaint in XXXX for the wrong information being reported the company sunovis bank acknowledged that the information being reported was wrong and agreed to fix the error which was reporting a charged off account that wasnt charged off. Its been 30 days and the same information is being reported. These are serious damages for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have rights under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give Equifax my written permission or consent to furnish these accounts.
Product: Mortgage

The mortgage servicing company has committed fraud and I am requesting an investigation to be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party Supplemental Information with XXXX XXXX. Most importantly the section Supplemental Records and Residential Information. Was Data source/ Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in the County of XXXX. Original Lien holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of Financing. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of XXXX.
Product: Debt collection

On XX/XX/2016, this debt for {$2300.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.