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

I have tried twice to open a Checking account in the state of XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), Both times i have been declined in doing so. I have contacted XXXX XXXX and i was provided with the details that are on my file. My current bank ( since XXXX ) Banco Popular de Puerto Rico has put something on my file which says the following : Unpaid : {$0.00} Contribution Reason : " Transacting with an account in an unauthorized or prohibited manner ''. That makes absolutely no sense. 
I called my bank and told them the feedback i received and their answer was " there should be no reason why you should not be able to open an account ''. So i do not understand what my next move should be. 
I have never ever in my 32 years had a negative experience with any bank. Never had i once had a negative withdraw or very low balance in my account. I have had my Savings account with Banco Popular since XXXX. I use that account for everything and would like to open a checking account in XXXX because i am not living in XXXX XXXX at the moment. I could open a checking with Popular but i do not reside there.
Product: Bank account or service

ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. 

Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. 


Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. 
XXXX
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 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  THESE ACCOUNTS ARE NOT MINE. 

Upon reviewing my TransUnion credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ).

They must promptly inform the information provider if any information has been modified or deleted due to a dispute ( 15 USC 1681i ).

Consumer reporting agencies are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal information, divulging private credit data to unauthorized sources. This is a part of the larger data breach going on this month. 
As someone in the process of buying a home, with a mortgage, I have my family 's immediate well being on the line with my credit. 
There was a large delay before we were even notified that our data was released without authorization - a delay which prevented me from taking proper measures to protect myself. 
There have been misleading and changing results as to who was in fact affected - even after the issue, the company is unwilling to be open and help us.
Product: Credit reporting or other personal consumer reports

I realized today that this alledged debt is illegally reporting on my credit report without my written instructions. I never received anything from this company in the mail and never did any business with them or the alledged company that they alledgedly represent and I will attest to this in a court of law. 

Even if a debt exists this company has NO right to appear on my credit report without my written instructions as per The Gramm-Leach -Blilley Act Section 6802, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states that a credit reporting agency can not furnish an account without written instructions. 

XXXX XXXX XXXX. ( DELETE NOW ) If so I would have demanded the purchase agreement and other documents. 

XXXX XXXX XXXX is in blatant violation of The Gramm - Leach - Blilley - Act Section 6802. This is a violation of my privacy rights as FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Remove this account from my credit report immediately.

If this account is not deleted, I am requesting in advance that Equifax provide what is required under FCRA 611 ( a ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ) for you to send the procedures used that led to this alledged account to be verified/updated and to provide the name of the person ( s ) you spoke with along with their address and telephone number ( s ).

Remove this account from my credit report as the sole basis of my dispute is based upon the fact that it is illegal for this alledged debt to appear on my credit report without written instructions.
Product: Debt collection

WAYPOINT RESOURCE GROUP keeps sending derogatory marks to my credit and effecting my score. I have disputed their marks multiple times and they have been removed multiple times due to false information being reported. They claim to be collecting a debt on behalf of XXXX, but XXXX has communicated to me I have no active balance due and my account from 7 years ago was paid in full with no debts owed. WAYPOINT RESOURCE GROUP ignore this and every couple years falsly reapply this derogatory mark to my credit file.
Product: Credit reporting or other personal consumer reports

I have late payments showing on my credit report with XXXX  ( now known as XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX derogatory trade dated XX/XX/2020. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Product: Debt collection

XX/XX/2019 helvey collection agency reported to XXXX credit reporting that I owed XXXX XXXX {$250.00}. i have never lived at that address. XXXX has already determined that I never lived at that address and removed the collection from my credit report
Product: Mortgage

During the pandemic in 2020 our mortgage servicer, Mr. Cooper, offered us forbearance which we gladly accepted since we lost our XXXX  and I lost my job, leaving us both out of work. 
We have since gotten another XXXX going and I am now working. Our mortgage servicer is now saying we have to pay the entire balance of unpaid payments in one lump sum payment ( {$18000.00} ) or we are going to lose our house to short sale or deed in lieu. They told us they can't do a loan modification to spread out our payments.

I overnighted them a financial hardship letter explaining our situation, sent them a letter explaining our situation, spoke to several different reps explaining our situation and their response is attached to this complaint. 
I was under the impression, based on the information on your website, that mortgage servicers are not allowed to do this. Please help. We are now in a position to pay our mortgage no problem but simply do not have the almost twenty thousand dollars they said would be able to be spread out to be paid off.
Product: Student loan

I qualify for student loan forgiveness, having XXXX for 25  years. I am XXXX now and never missed a loan payment. I merit to have the remaining {$5000.00} balance dismissed by Navient and DOE
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate late payments on my credit report on Equifax.
Product: Debt collection

A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt
Product: Debt collection

I have sent a " validation letter '' to XXXX XXXX XXXX XXXX in XX/XX/XXXX via certified mail and got a response on XX/XX/XXXX. PRA, LLC has responded with copy of a bill in which does not meet Federal Trade Comissions guidelines of what constitutes proper debt validation. So I sent a second letter of " validation '' on XX/XX/XXXX via certified mail and was received on XX/XX/XXXX and received a response on XX/XX/XXXX. From countless hours of research I have found that an original contract with my signature constitutes " validation '' and one was not provided to me as requested. In their second letter response and I quote " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act. 

If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers the matter closed. '' I am simply requesting XXXX XXXX XXXX XXXX to "  validate '' their claim by sending me a copy of the original contract with my signature and I will pay the debt in full. I am trying to take care of old debts so I can start new path for me and my children 's future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.
Product: Checking or savings account

I have a new account that open Navy Credit Union. 

Checking and Saving They blocked my account because they refuse to change my phone number. I am not able to go to branch. I am doing XXXX and I have XXXX XXXX. I don't have mobile banking. 

This is High Priority Matter!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided me no statements/bill in the mail. I had to make a payment over the phone witch they charged me a " express payment fee '' Then a month later I get a postcard that my account is past due I call them do find out the payment was not processed and they tell me I provided them in an incorrect account number. I asked them to confirm the account number they have one file that I provided them and they told me they are unable to do so. I pay a series of other bills from my XXXX XXXX account without issue. 

They are reporting a late payment on my credit report. This is lowering my credit ratting. My entire reason for getting a card from XXXX XXXX XXXX was to build my credit. I feel it was XXXX XXXX XXXX error in processing the payment not mine that has cased the payment to process late. They also should have noticed me sooner if there was an issue with payment
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America. I applied for a credit card with Bank of America in XX/XX/2022 after receiving multiple pre-approved letters by mail. However, my online application did not go through and I was instructed to wait for a decision letter in the mail. 

Upon receiving the decision letter, I was asked to provide proof of my legal residency in the US, despite being a US permanent resident. I immediately went to the local branch of Bank of America in XXXX, MA and provided them with my US XXXX XXXX XXXX which they scanned to send my documents to the appropriate office. 

Since then, I have been in contact with various phone numbers at Bank of America, but have not received a clear answer. I have been transferred to multiple people and offices, with no help. It has been six months and I have not received any updates or progress on my credit card application. Moreover, there is a hard inquiry on my credit reports without actually having the credit line. 

I have made every effort to comply with Bank of America 's requests and provide them with the necessary documents to prove my legal residency in the US, yet I feel that I am being discriminated against based on my nationality. Bank of America 's treatment of me has been unfair, and I believe that they have wasted my time and resources. 

Given this situation, I would like Bank of America to remove the hard inquiry from all of the credit reporting agencies. I would also like Bank of America to provide a clear explanation of their treatment of me and why my application has not moved forward, despite my efforts to comply with their requests. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

I received a notification that a collection was added to my credit report on XX/XX/2023 from ERC. I called XXXX and spoke to a representative. I told them I had no knowledge of the account and the account fraudulently opened and I never authorized anyone to use my information to open the account. I told him I was a victim of identity theft and I could forward them my Identity Theft Report from the FTC. I was given and email address to send my report which I did but was told it was take 30 days to be removed from XXXX, XXXX and XXXX but I want it deleted immediately! Incorrect information is being reported and the creditor has already violated code 15 USC 1692g sec. 809 ( b ) of the FDCPA.
Product: Credit card or prepaid card

I have been a customer since 2016. Every time myself and my children add authorized users Capital One keeps restricting my accounts as fraud and mandating I verify identity after they already verified identity previously. I have constantly been doing this for several months. I add authorized users simply to help build their credit. I own a business called XXXX XXXX XXXX XXXX. I have an EIN number and Tax ID and yet after being with Capital One they are without reason continuing to restrict my accounts, my son XXXX XXXX XXXX accounts and my son XXXX XXXX. There is NOTHING legitifying these fraud alerts. The accounts cross match with the same email address, physical addresses, they can validate phone numbers and entire identity. Then I spoke with a XXXX in XXXX who refused to advise me the names of the authorized users and refused to provide identifying information so that I can have capital one listen to the call. She refused to advise me her supervisor 's name. Yes I was PAST frustrated, but the called continued for almost an hour and when I requested information she went around the subject. I will be following up with a complaint to Consumer Financial Protection Bureau, federal Trade Commission. The authorized users on all the accounts is simply to assist my family in establishing credit and Capital One is making this difficult. I am an account holder with 3 cards, My mom has 3, his XXXX brother has 1 and these users were already verified or were added previously and now they want all this proof WHILE they restrict accounts and take weeks to resolve and allow us access to the accounts again. They already verified XXXX XXXX, and XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX
Product: Debt collection

APELLES is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with APELLES, I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. APELLES is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Student loan

I have tried to activate auto-pay on my EdFinancial account 5 times on : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I have submitted it, I have received an email stating the request has been received, and that the request will be processed in the next few days. 

Only after calling EdFinancial 's support phone number on XX/XX/2023 was I told that there was an " exception '' on every auto-pay request I have submitted, and that it needed to be manually reviewed. I was told that it could take up to 3 months to manually review the request. Also, since I submitted multiple requests, each request would reset that timer, meaning I will need to wait 90 days from XX/XX/2023 rather than from the first request I submitted in XXXX. 

At no point in the last 5 months was I aware of this exception. In that time, I have not been given the interest rate reduction required after setting up auto-pay and, as I thought auto-pay was already active on my account, I have been late on a payment. This is clearly an attempt at confusing and slow rolling student loan borrowers so they can continue to harvest the 0.25 % interest rate for months after receiving an auto-pay request.
Product: Prepaid card

On XX/XX/2024, I certified my unemployment benefit. XXXX issued my payment the same day to Money Network. I transferred some of the payment to my external personal checking account ( I have done this many times. ) On XX/XX/2024, I noticed the money was not in my external personal account, which usually takes the same day. Between XX/XX/2024, and XX/XX/2024, the money was not available in my external personal account or Money Network for use between. 

On XX/XX/2024, I contacted Money Network. I was informed by a Money Network customer service representative that my debit card/account would be closed, and I would be issued a check for the total amount in the account, which would take XXXX to 10 days to process and mail. 

I checked my account daily and never noticed any unusual activities in my account or reported anything to Money Network. It is unusual for a so-called partial " bank '' for money to disappear and reappear from someone's account. 

Money Network did not contact me regarding any unusual activities on my account before I contacted them. The more the money stays in the account, the more profit Money Network makes by lending it to consumers. I was careful not to use the account on any third-party ATM because of the ridiculous associated fees. 

Money Network targeted my account because they are not making all these illegal ATM fees. The company makes a profit from my money while it sits in the Money Network bank. It would take an unusual amount of time for checks to be processed, mailed, and cashed after unemploymentcertification. XXXX and Money Network have a contract, and it would be a violation of that contract. 

I contacted XXXX, and a customer representative informed me everything looked okay on their side. 

I contacted my external bank, and a customer representative informed me everything looked okay in my account, and they never received any transfer from Money Network between XX/XX/2024, and XX/XX/2024. 

I suffered irreparable harm based on this Money Network 's illegal, cruel, and unjust activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried with all three reporting credit agencies to remove the credit report of the information of Kia finance since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
Product: Payday loan, title loan, or personal loan

XX/XX/2023 they call me that I have to pay {$650.00} off my title loan before they come for it