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

For years - KeyBank advertised to me about a lot about a lot of things. In this conversation - Focusing on KeyBank Smart Checking Account - KeyBank promised me a FUNCTIONAL Checking Account with a FUNCTIONAL Debit Card! 

KeyBank also promised a XXXX $ Bonus! 


I did hundreds of things for KeyBank- I entered Account Numbers & Routing Numbers & Telephone Numbers & Social Security Numbers & so many things like that! 

I was very careful I got every digit right! 


Still - my so-called " Account '' is still not functional!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) states, 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Five derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as 60 days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each one of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by three different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over 50 and 40 points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Product: Credit card or prepaid card

I was a with CREDIT ACCEPTANCE CORPORATION customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XX/XX/XXXX and XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did everything by the book, and I paid off a default judgment to the law firm that the judgment applied to. XXXX XXXX XXXX agreed to make sure the satisfaction of judgment was filed, and to remove the account from all credit bureaus. To date XXXX XXXX XXXX has not applied fair process on this matter, and I ask the credit reporting agencies to get involved. Thank you. 

XXXX XXXX
Product: Credit card

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a late payment from my JPMCB credit card account.

Until recently I rarely used this card but I knew, like all of my other credit cards, that it was on an auto-pay to ensure I never had a late payment. I used this card for a small purchase and since it was on auto-pay I didn't think twice about it.

At no time did JPMCB credit card send me an email, text, or phone call letting me know that a {$5.00} minimum payment had been missed. I find it incredulous that an alert would not be sent to consumers letting them know that there was an issue with non-payment.

In addition, I never changed the auto-pay status so JPMCB would not have had a reason to turn it off. Even though it was their error and then they didn't have the courtesy to make me aware of it, it was my credit scores that were negatively affected.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX and Affirm , Inc. regarding their failure to validate the alleged debt they are attempting to collect, and for Affirms improper reporting of this debt to credit reporting agencies ( CRAs ). These actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Issues with XXXX XXXX : Despite multiple requests, XXXX XXXX has failed to provide sufficient validation of the alleged debt or evidence of their authority to collect it. Instead, they have provided generic letters that do not meet the legal standards for debt validation. Specifically : XXXX. Failure to Validate the Debt : Under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34 ( a ) ( 1 ), XXXX XXXX is required to provide documentation that substantiates the debt and proves their authority to collect. The documents they provided lack : - A clear assignment of the debt from XXXX XXXX, the original creditor. 
- A signed agreement demonstrating my acknowledgment or liability for the debt. 
2. Non-Compliant Communications : The verification letter provided fails to explain the chain of custody of the debt or substantiate its validity, in violation of federal guidelines. 
XXXX. Unlawful Collection Practices : The debt was marked as charged off by XXXX XXXX  on XX/XX/year>, as stated in Affirms verification letter. This raises significant questions about XXXX XXXX right to collect on the debt, given the lack of proof of assignment or ownership. 

Issues with Affirm , Inc. : Affirms continued reporting of this account to CRAs is improper and harmful to my credit profile, in violation of the FCRA. Specifically : 1. Inaccurate and Incomplete Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), Affirm is obligated to provide accurate information to CRAs. Reporting a charged-off account without reflecting its current status or its transfer to a third-party collector is misleading.

2. Failure to Investigate and Update : Per 15 U.S.C. 1681s-2 ( b ), Affirm must investigate and correct disputed information promptly. The fact that this account was charged off and forwarded to a debt collector months ago indicates that its continued reporting is inaccurate and detrimental. 

Impact of These Actions : The improper reporting of this account by Affirm has caused harm to my credit profile, including a lowered credit score, which affects my ability to secure financial opportunities. Furthermore, XXXX XXXX repeated failure to validate the debt has caused undue stress and wasted time, as I am left questioning the legitimacy of their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Galaxy International Purchasing LLC, concerning the delinquency debt they put on my account on credit reports. This account has been paid and settled. Even when I called XXXX they keeping saying that my account was paid in full not less than it was own but paid in full directly on XXXX credit card. XXXX, I am requesting this Galaxy company to removed this delinquent remark on my account before i proceed legal charges against them. here i am attaching proofs of clean record with XXXX.
Product: Debt collection

I received a presentment from the US Dept of Education stating that the debt was not paid. I have never paid US Dept of Education directly except for the last 2 years of income that they took without notice. The previous load servicer had garnished my wages for 5+ years until I asked them to verify the debt. They were not able to verify the debt and they sold the debt to the US Dept of Education. These tactics are in violation of the FDCPA.
Product: Credit card or prepaid card

I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove it from my personal credit file. Thank you. 

The XXXX Credit Bureau is reporting inaccurate information on JPMCB CARD. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXX Balance {$1300.00}
Product: Credit card or prepaid card

I just opened a brand new account with this company. And, they seemedvery sketchy None of my information was pulling up online. Everything was redirected an when I finally called them and asked them Or told them that it's been 20 days and that I can't pull up any information. The guy told me. 1st of all he said told me what Web browser I had to use. Then he told me I had to delete everything on my phone in order to use their website. And when I told him that I was a developer and that I just couldn't do that, I couldn't closeout existing projects. He said, well, I suggest if you want to. Use our website. Buy a new phone. 
This is my first experience speaking to them and I was shocked by it. I said well, how about I just get a new credit card? He said fine. Then he just hung up. So if that's not the worst customer service. Probably in the history of The human race. I don't know what is.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX is supposed to ensure Maximum possible accuracy this account violates these laws 15 usc 1681 15 usc 1681s2 15 usc 15 usc i5 15 usc 1681eb Delete account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the F Credit Reporting act. The list of accounts below has violated my federally protected consumer 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 DPT EDXXXX # XXXX Has violated my rights. 






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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of the information. Any other adverse item of information, other than records of convictions of crimes which anteater the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any into relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Bank of America has consistently denied me temporary credit to my account for fraudulent and dispute related transactions. On XX/XX/2020 I was advised that Bank of America was considering closing my accounts due to the number of claims I have filed on my account. All of the claims I have filed have been legitimate. The manager who advised me of this consequence also stated that Bank of America 's average customer claims in a one year period is two and I have had seventeen. 

Bank of America is violating my consumer rights by threatening to close a consumer account because of the number of legitimate claims a consumer has filed. 

The Federal Insurance Deposit Corporation guarantees a consumer 's account up to {$250000.00} if in the event the consumer experiences fraud or the bank fails. 

Bank of America in the past has issued temporary or provisional credits when I have filed a claim without having to wait the 1-10 business days. The manager advised me that Bank of America was no longer providing me the benefit of receiving a temporary credit due to the number of claims processed. 

Bank of America is violating my consumer rights by taking away a benefit they granted me in prior claims for my most recent claim. Bank of America is doing this to discourage consumers from filing claims. Consumers with legitimate claims will be intimidated or discouraged from filing legitimate claims because they will fear the bank will take their temporary or provisional credit away or the waiting period will be extended. 

Bank of America has a fiduciary duty to its consumers and to protect it from fraud and illegal activity. When a consumer reports its card lost or stolen Bank of America has a duty to restore the customers account without delay. 

Bank of America is in violation of the FDIC requirements to insure my account against fraud or fraudulent activity. 

For the reasons herein and supported by evidence I respectfully requests the Consumer Financial Protection Bureau investigates Bank of America and this complaint thoroughly. 

If you have any further questions or concerns please contact me directly at ( XXXX ) XXXX. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/1975 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 a These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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: Checking or savings account

I had requested verbally and in writing for the checking account ending XXXX to be closed and bank personnel did not comply with this request was not completed and subsequent fraudulent items were paid bringing the account to a negative {$1300.00} balance. These items should have been returned and the account closed as requested. Then a XXXX deposit of {$530.00} that was set up to go into my new account ending in XXXX was illegally put into the old account with negative balance causing me to lose {$530.00}. Bank personnel acknowledged the mistake and said it would be fixed and it never was. Then for over XXXX years I heard nothing from your bank about the account in XXXX that was finally closed with a negative balance of {$650.00} and without any notice you took these funds from account ending in XXXX. This has caused me great financial and physical harm as I am fighting XXXX XXXX. Then to take weeks to address my complaint to your bank and the CFPB with form that does not look at the actual issues involved in this complaint is illegal and inexcusable.
Product: Credit card

I made a purchase on XXXX using PayPal credit on XX/XX/year>. It was set up as a 24 month 0 % fixed payment type arrangement. Even with multiple conversations with PayPal now I am sitting in what would be the eighth month so I should have 16 payments remaining and I only have five. I have other items on credit with them that have payment terms that are expiring before this yet they continue to add any excess payment to the last debt due. This is a very deceitful practice given that they said 24 equal payments. This is the way they are gaming people to pay ahead of schedule. You know, more money quicker. Synchrony is absolutely evil.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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: Debt collection

I am writing to request validation of the alleged debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, I am entitled to request verification and validation of this debt. This letter serves as a formal request for the following information : Proof that you own or have been assigned this debt : Please provide a copy of the signed agreement that indicates that you have the right to collect this debt, including documentation showing that the debt was legally transferred to your agency.

Detailed accounting of the amount claimed : I request a complete breakdown of the alleged debt, including the principal amount, interest, fees, and any other charges.

Proof that the debt is mine : Please provide documentation bearing my signature that proves I have a contractual obligation to pay the claimed amount. 

Details of the original creditor : Include the name, address, and phone number of the original creditor and any other parties to whom the debt has been transferred. 

Details of how the amount was calculated : Please explain how the amount you claim I owe has been determined and provide supporting evidence. 

Please note that if you can not validate this debt within 30 days of receiving this letter, you are required by law to cease collection efforts and remove this account from my credit report. 

Additionally, please be advised that I will record all future communications. If this debt can not be validated, I expect any and all references to this debt to be removed from my credit report immediately. 

Thank you for your cooperation. I look forward to receiving the requested documentation.
Product: Credit reporting or other personal consumer reports

Navy FCU ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX and XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX.