23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a parent student loan through XXXX XXXX for my daughter who was attending college. On XX/XX/year>, I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from XXXX congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XX/XX/year>. Additionally, the XXXX 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XX/XX/year>. On my credit report for XX/XX/year>, it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows XXXX and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a XXXX balance yet they are continuing to report that it is past due as of XX/XX/year>. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying my credit.
Product: Checking or savings account

My bank Key Bank is demonstrating a propensity for hiring people with zero knowledge to handle what for me is a very sensitive issue, my money.

Tonight, I was forced to spend 2.5 hours and speak with four customer service representatives and three supervisors to get one debit card unlocked. They wasted my time over those two + hours and the last supervisor I spoke with " XXXX '', told me there is nothing he can do for me and that I have to wait for the XXXX  and go to the branch to unlock my account. 

After hanging up, I decided to call again, my call was intercepted by the fourth agent " XXXX '' who in a matter of a few minutes unlocked my card without incident. 

My complaint is about the abuse this bank has inflicted on me, a private banking client, by unleashing on me employees who have no clue ( in the XXXX ), no authority, and no common sense to solve the simplest problem. Maybe you can convince them to bring the work back to XXXX so I don't have to spend all this time on something that simple. 

Please do that before Key Bank goes bankrupt for mismanagement. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

RE : Regional Acceptance Account Number : XXXX As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am opting out of all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have given you per 15 USC 6802. I request that you cease all reporting activities and disclosure of my information without my explicit consent. 

Additionally, I am requesting validation of the debt you are reporting on my credit file. Under the FCRA, I have the right to request validation of any debt that is being reported. Furthermore, I have the right to request verification of this debt with a wet signature. 

Please provide me with the necessary information and documentation to validate the debt, including a copy of the original contract or agreement bearing my signature. Failure to provide this information within the time frame required by law will result in the removal of the disputed item from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

On approximately XX/XX/XXXX, XXXX XXXX XXXX issued me a credit/refund for ticket XXXX in the amount of {$240.00}. This went to a credit card ending in XXXX. 

I dont have a credit card ending in XXXX, but the original purchase was made with one of my Chase credit cards using XXXX XXXX, so I believe the XXXX to be the last four of a temporary virtual card number. 

The refund never posted to my account, so I followed up with XXXX multiple times. On XX/XX/XXXX, they again confirmed the refund went through and this time provided me with an ARN ( Acquirer Reference Number ) that I understand proves that the refund went through. The ARN is XXXX. 

I reached out to Chase with this information and they didnt use the ARN to look for the refunded transaction. Instead they simply said we dont see any credits on any of your cards. 

I would like Chase to do some actual research using this ARN ( XXXX ) to find out where the refund went and promptly apply a credit of {$240.00} to my account. 

I have a case open with XXXX on this, but it seems theyve done everything they can/need to do. 

Note : one of the attachments references a second ticket receiving a refund for the same amount of money ( another family member that flew with me ) ; that refund has, in fact, posted to my family members credit card ( a different card issuer, I believe ).
Product: Credit card

I am writing about my XXXX XXXX XXXXXXXX XXXX  ( MySynchrony.com ). I am not sure this is something you can help with but I thought I would check. 
We have used the card for years with no problems and make our payments in full every month. We have recently received notice been that in order to continue using the card, we would be required to pay a monthly fee of {$1.00} to continue getting paper billing statements and the ability to make payments using personal checks. If we choose not to do this, we are being given an option of giving them our bank account number and either set up automatic payments or be allowed to make manual transfers from our bank to pay the bill each month. 
What I would like to know is this legitimate? Can they really do this? I dont feel comfortable giving my bank account to any entity unless it is a critical necessity ( mortgage, etc. ). Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ] [ XXXX ] [ TRANSUNION XXXX [ XXXX ] [ XXXX XXXX To whom it may concern, I just recently looked at my credit report and noticed that some accounts have late payments during XXXX. However I talked to these creditors below and I should not have any missed payments. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$1100.00} Reinvestigate and update payment XXXX XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$580.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX Amount : {$1700.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Please cease and desist all calls and contact with me, immediately. 

When asking for validation from XXXX TRANSUNION and XXXX they denot that the changes are updated and has been verified when in fact XXXX XXXX XXXX XXXX and others has fraudulent reportings such as claiming to be the original creditor when I have no sign documents/agreements and therefore I owe {$0.00} to this company and have been asking for 3 years for this wrong/inaccurate information to be DELETED/REMOVE PERMANENTLY ASAP according to 15 U.S. Code 1692g and 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibit debt collectors from making false or misleading statements about debts or their role in collecting them. This includes falsely claiming to be the original creditor.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, the fraudulent entries persist, and I am growing increasingly frustrated by the lack of progress. It is disheartening to see that these fraudulent items continue to tarnish my credit report, despite my persistent efforts to have them removed. As a result, my financial credibility is being unfairly impacted, and I am experiencing significant stress and anxiety. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX Balance XXXX {$710.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  XXXX Owed : {$120.00} ; XXXX XXXX Balance Owed : {$520.00} ; 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 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 reporting or other personal consumer reports

Chexsystems XXXX  score of reason code : XXXX score XXXX. 
XXXX XXXX security frz alert I have checked with Chexsystems, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, etc There is no freeze or alerts on any of my files This causes banks to pull multiple times to try to open up a membership with them XXXX XXXX XXXX - unable to open account checked - XXXX Chex inquires XXXX XXXX - unable to open account XXXX Chexsystems inquires XXXX XXXX XXXX - XXXX inquiry XXXX XXXX  - open and closed my account due to this I can not figure out what the issue is
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a certified letter to Equifax advising that the information they were reporting on my credit report for XXXX XXXX was inaccurate and was not matching up with XXXX  or XXXX  and that I'm requesting them to remove the account from my credit report due to reporting inaccurate information ... XX/XX/2020 Equifax updated all information that I pointed out as inaccurate on my credit report and my scored dropped 30 pts XXXX because of this. I called Equifax customer service multiple time and was told they were not able to assist me since it was updated and some couldnt even tell me why my score dropped until I pointed it out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Checking or savings account

I used bill pay and instead of sending my payment electronically, they sent it by mail. I called multiple times and was finally able to get the {$4000.00} check canceled. I asked that all payments be sent electronically and they said they couldnt do that. 

My husband died 3 months ago. My name was always on the checking account. All of our payments were made electronically. This situation has something to do with his death.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.
Product: Payday loan, title loan, or personal loan

Security Finance in XXXX Al .. I have a loan with them.. I have had the loan for almost 3 years. They have changed management a couple of times during this 3 years. They have a manager there that is awful. She calls my cell phone 6 times a day.. She will call my cell phone hang up and call my work place. She call both location about the same amount of time. On XX/XX/XXXX was my breaking point with this company. I had originally told them I would be in on XX/XX/XXXX, I never gave a specific time as to what time I would arrive. I know their business ours are from XXXX-XXXX XXXX   on Friday. I work almost those same hours. I am going to provide you the times.. Please also be advised I was not working on Friday, I had taking a vacation day. I was out handle family matter with my daughter. 

1st call to my cell phone was XXXX XXXX. 
2nd call to my cell phone was XXXX XXXX 3rd call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX  5th call to my cell was XXXX XXXX 1st call to my office phone was XXXX XXXX 2nd call was XXXX XXXX  3rd call was XXXX XXXX  There were other calls made through out that day, This is the only times that showed up with a log time.. They also, have 2 numbers XXXX, or a XXXX that is registered to XXXX XXXX.. I feel like they are harassing me.. When the lady kept calling for me at my job. She was rude and demanding my cell phone number for my co workers. Due to the line of business we work in she is not allowed to give out any of my personal information. Around XXXX I asked one of my friends if she could swing by and pay Security Finance for me because they kept blowing my phone up, and calling my office a lot demanding my phone number. She did go over to pay Security Finance for me. However, when she arrived she paid and the first lady that she walked up to stated OK that she would mail the receipt to me. Then the manager of the store starting yelling at her and told her to wait a minute. She told her to tell me that I needed to handle my own business and she will not be taking any 3rd party payments from me again. My friend said she did not know what to think, so she called back and asked for the District Managers phone number, and she wanted to know who she was and why she wanted the number. She advised her because she was a customer that was just in there and she was rude and she wanted to speak with someone else. The manager told her she was not her customers and she would not give her the number. She advised she told her that's fine that she could just give them her number. She advised she would not do that either, My friend told that she was going to speak with her sup visor regardless of her help. She than started apologizing. 

I will be up front with you I get paid twice a month so sometimes they have to wait until I get paid in order to pay them, so it is not always on time. In the contract I do have a 10 day grace period to make my payments. My payments are never more than 15 days late.
Product: Debt collection

Repeatedly calling even calling my employer about a loan that I never had and isnt even in my name, in a family members name. Threatening to garnish my wages and isnt my loan, my name is no where on the loan. Leaving threatening voicemails back to back. 

XXXX XXXX with set financial is whos doing this. XXXX is his #
Product: Debt collection

Equifax sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified Equifax continuously about " Identity Theft '' on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. The fraudulent items are : XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX =XXXX XXXX XXXXXXXX Items required by law : filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service XXXX XXXX XXXXXXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. I saw more debt was not removed after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the Equifax Fraud Specialist suggested- number XXXX XXXX pages at the XXXX XXXX I federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter ( Equifax Data Breach ) and Affidavits, Also, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : XXXX XXXX XXXX  XXXX and the apartment complex. '' XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting Act Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : JPMCB CARD Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX Date Openned : XX/XX/XXXX Account XXXX : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as inaccurate XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX during the years of XXXX. The loans would eventually be consolidated by Department of Education for the program they had. I was advised that even though there was a consolidation the federal loan forgiveness for XXXX students still apply. The issue is that when the account appears on my credit its not showing XXXX it just shows an amount and Dept of Education. My fear is that it will be excluded from the federal forgiveness this school qualifies for.