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

I started banking with Key Bank a little over two years ago. I have had no problems with the bank until XXXX. I have been charged {$2000.00} ( {$890.00} on 37 fees in the last 90 days - that is insane ) dollars in bank fees by Key Bank in XXXX. I was informed when I opened my account that the account would deny any transaction if there were insufficient funds. I have asked about this over the course of XXXX because it continually would allow for my account to authorize purchases/ payments even when the account had insufficient funds. It was recently brought to my attention by XXXX ( XXXX XXXX, OR location - she is awesome and has been a huge help ) that in XXXX of XXXX an employee ( I do not remember her name ) changed my authorization to allow for overdrafts ( this was without my consent ). Prior to this incident I had no problems with overdraft fees. After finding this error, XXXX and I have worked together with several of the other branches and their managers to try to refund some of the fees. It has now been several months and there has been zero change or anything fixed. I am frustrated as a consumer that I was mislead, stressed, and treated the way I have been by this institution. This has negatively affected my overall health, my credit score, and my ability to live comfortably. I have tried to contact corporate about this situation only to consistently be hung up on by customer service and continually told to go to my branch to figure it out. When I get to the branch they tell me to call customer service. It has been a living XXXX to be honest. When the regional manager (? ) XXXX, found out that my main location ( this was in XXXX, OR and the manager was XXXX ) had shut down ( I wonder why ) she said " well, it isn't fair for the other branches to pay for that locations mistake '' - are you kidding me? I do not believe I should pay for the company 's mistake. I have done my best to work through this with them calmly and professionally but I am at the end of my rope and have lost all faith. Lastly, my account has a freeze placed on it ( XXXX recommended that I freeze it until we figure everything out to avoid more fees ).  This has worked great until I received several letters in the mail this week from Key Bank, threatening to close my account permanently and send the negative balance to collections. I called about this today and was told that there is nothing the branch level can do about it and I am not allowed to speak to the higher ups to figure out what happened. I was simply told that my direct deposit check would be taken in, the balance set back to XXXX, and that they would mail me a check for the difference after my account was closed permanently. I do not and will not ever recommend Key Bank to anyone and will do anything in my power to have anyone that banks there switch banks. I will share my story with everyone I encounter moving forward that mentions ANY bank.
Product: Debt collection

Kick off account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. 
I have printed proof that the account is closed as XXXX keeps verifying the {$16.00} as open and its closed with the next due date in 1970!! XXXX doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On X/XX/2017 I discovered a negative credit item and account number from Commonwealth Financial had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit card or prepaid card

I recently received a discover credit card and I've had nothing but problems with it. When I have to dispute a transaction, they XXXX everything up and give all the wrong information and say one thing for another. This is becoming a very frustrating experience and they should not be treating their customers with such disrespect. They have been incompetent and giving me the wrong information repeatedly. This is unacceptable as their calls are recorded. I have spent an inordinate amount of time on the phone trying to reach somebody in an effort to straighten out these disputes but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit company deceptive marketing practice deceives customers by requesting credit credit information with no description specifically as to way the credit card information is needed. My assumption was that my credit card information was needed as part of Transunion identification process and not for some type of " membership '' charge of {$24.00}. Apparently Transunion and mulitiple websites e.g. Transunion.com and XXXX. In order to established an account with Transunion for monitoring and obtained a " free report '', no information is listed for consumers that they will be charged {$24.00}. On XX/XX/2021, I went through the website Transunion process to establish an account and as I was going through their website process from identification, I was charged the {$24.00}, for a " membership '' fee. The website is set up in a way to provide the preception of steps of identity, no consumer information within credit credit information to note a charge of {$24.00} will be applied once information is provided. Truly disappointing and deceptive for a credit card company trick and deceive consumers to increase profit margins in an unethical way. Now I have to go through process of credit credit canceling, etc. due to unfortunate situation with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor, has violated my rights. 
Under 15 USC 1681 Section 602 States I have the right to privacy.

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

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

In accordance with the fair credit reporting act. Pursuant to XXXX8 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX 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.

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

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

Account ending in XXXX with Citibank is showing a balance due, this is pass statue of limitations and reporting incorrect
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX
Product: Checking or savings account

I received email from bank of America to inform me that an online account has been opened in my name and to bring identification into the office to finish opening account
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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: Debt collection

I HAVE NOT CONTRACT ANY SERVICES WITH THIS COMPANY. I DON NOT KNOW THEY RECEIVED MY INFORMATION. 
I C SYSTEMS INC BALANCE REPORTED : {$660.00} REPORTED ON CREDIT BUREAUS : XX/XX/2023
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. 


Account - XXXX XXXXXXXX Account - XXXX  XXXX XXXX Account - XXXX  XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A 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 an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Money transfer, virtual currency, or money service

The company is CashApp. I have been using them since 2018 and this is the first time with a problem. 

On XX/XX/XXXX my daughter sent me {$1400.00}. She does this monthly for rent. Usually I will get a text message that she sent the money, go to my CashApp app, the money is there, and I cash out to send the funds to my bank. 

This time when I went to my CashApp app the balance in my account said XXXX. At first I thought maybe sometimes the transfer is not instant. But by the next day the balance still was XXXX. 
I called my daughter to confirm she sent the money. She sent a me a verification that was sent from CashApp that the money was received. She also confirmed that the {$1400.00} was taken from her account. 

i then spoke with CashApp 's customer service department numerous times trying to resolve the issue. They always told me that the funds where in my account. my complaint was that I had no access to the money and my account balance says XXXX. 

I escalated up to a manager who e-mailed back stating they were working on the problem but that the money was in my account. Still no access. 

I have called several times since then. I was finally provided with a reference number. 

That number is XXXX. However as of today XX/XX/XXXX, XXXX days later, my funds are still not available to me
Product: Checking or savings account

On Tuesday XX/XX/2022 I was alerted that my debit card was compromised. There were transactions totaling nearly {$1300.00}. The funds were not credited back to my account even though I told the bank the transactions were not mine. The bank is refusing to credit me back the funds and my account is now overdrawn. I can not buy food or pay my bills. I need my money back.
Product: Credit reporting or other personal consumer reports

I have filed a number of disputes with experian regarding the negative info in my credit report. I at first filed disputes say this is not my account and I don't owe these third party collections anything as I have no signed contact with them. No one has asked or supplied proof. Also the original accounts they clam I owe have been over the 7 years drop off time and they refuse to remove then info from my report.
Product: Credit card or prepaid card

WELLS FARGO HEALTH ADVANTAGE CREDIT CARD On XX/XX/XXXX at approx. XXXX XXXX EST I made a call to pay my bill via phone as I do every month. While on the call there appeared to be numerous stops or delays in the prompts. I gave verbal orders for a payment of {$100.00}, it did not go through. I entered {$100.00}, it did not go through. At this time the prompts were asking to confirm a payment of {$780.00}. I verbalized NO, STOP, Cancel. Thinking this would cancel and I could start over the process them moved to confirmation. Again I said NO, STOP, CANCEL. I should have hung up but the prompt moved into confirming I payed {$780.00}. I DID NOT! That was my whole paycheck. 
I called Wells Fargo Health Advantage at shortly after XXXX XXXX EST. Spoke to a representative who had me on hold shortly and returned citing they can not stop the payment. WHY? The response was " We can't do that anymore ''. I told the representative that it states it's a recorded line and I did not give authorization to my bank account for {$780.00}. I wanted to pay {$100.00} only. At that time I was told that Wells Fargo will attempt to access my account 3 X. I had to withdraw my money from my bank account so they wouldn't take my whole check. Thus causing overdrafts for funds that were already coming out legitimately. The first hit occurred on XX/XX/XXXX for an amount of - {$32.00} overdraft for Wells Fargo. There was a second attempt to to withdraw from my bank account on XX/XX/XXXX. Why is this okay? I never authorized the first attempt, now 9 days later they are trying again. Resulting in another {$32.00} overdraft. Now I'm just talking about what my bank charged. Wells Fargo felt obliged to help themselves to more charges on their end. I called a second time at this point and spoke with a representative named XXXX. XXXX was not so helpful. At this time I had received another bill stating that I had a balance of {$850.00} and only owed {$27.00}. The representative states that there was a payment of {$850.00}. That may have been possible because the XXXX  office sends back any payments that were not used at the end of treatment. I told the representative the situation and she said they will send out a form for me to fill out for the return of the money I paid since I was only trying to pay {$100.00} but it would take several weeks. I didn't pay them anything from that transaction of XX/XX/XXXX. I pay ahead so there was no money due at the time. Now it's time to pay the bill but nobody can tell me what to pay. Then I got hit a 3rd time on XX/XX/XXXX for another {$32.00} attempt to access my bank account for {$780.00}. WHAT?? This can't be legal! It most certainly is scandalous and corrupt. So today I will make another attempt to work with these people but I'm not sure where it will lead. At any rate this needs to be reported. 

Contact number - XXXX for customer service M_F XXXX - XXXX CT
Product: Mortgage

Good Day Everyone, I had a forbearance for my mortage during the pandemic because my health was compromised and could not work.

However, when the forbearance ended, Freedom mortage waited until the interest rates went up before they removed me from the foreberance. 

My forbearance ended in XX/XX/XXXX, they waited till XX/XX/XXXX before they finalized me back into the system with the highest interest rates ever. 

I was supposed to be paying between {$1200.00} to {$1400.00} with low interest rates but they waited until it went up to {$1600.00} before they brought the paperwork for me to sign. They purposely withheld the low interest rates paperwork for about 7 months. 

I called every XXXX weeks and they kept giving me the run around saying my name was incorrect on a paper work to sign. 

They stated that the low interest paperwork was handled by a XXXX party company and they can not do anything about it. That was almost 7 months of waiting. 

However, when the mortage interest rates skyrocketed by XXXX XXXX, in less than a week of them calling me about it, they delivered the paperwork via XXXX  to my door and sent in their own payed XXXX XXXX come to house to ensure I sign their high interest rates.

I believe this was done on purpose to make sure they keep me on high interest paying rates.

2. Another thing they did was that they refused to grant me access to my mortage equity. 
My equity grew during the pandemic, and I wanted to acess it, the mortage officer assigned to me stopped answering my calls and emails and never gave me a reason why I could not acess it. 



XXXX. The XXXX thing is that they they have a negative missed payment ( XX/XX/XXXX ) on my credit history. That single act have kept my for my credit scores low since XXXX. I have never missed a payment but they have that on there. 

This company called XXXX XXXX have done this things to me and made my life hard. 

Thank you. 

XXXX.
Product: Credit reporting or other personal consumer reports

THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX  )