23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am a car loan customer with Fifth Third Bank and have been experiencing significant issues with their services that have affected my ability to manage my loan properly. 

1. **Failure to Provide Statements** : I have not been receiving regular car loan statements, which are essential for tracking my payment history, remaining balance, and due dates. This has caused confusion and inconvenience in managing my loan.

2. **Technical Issues with Payment System** : The banks mobile app and online account system have technical problems that prevent me from making direct payments to my loan account. Every time I try, the system either fails or does not process the payment successfully. As a result, I am forced to call or chat online with their representatives to make payments, which is time-consuming and frustrating.

3. **Impact on Me** : These issues have disrupted my ability to make timely payments conveniently and added unnecessary stress to my financial management. I am concerned about potential late fees, credit score damage, and the overall inconvenience caused by the bank 's failure to provide proper services.

**Actions Taken by Me** : - I have reached out to Fifth Third Bank multiple times to report these issues and request solutions, but the problems persist. 
- I have made payments through alternative methods ( phone calls or online chat ), but these are not convenient or efficient solutions. 

**Actions by the Bank** XXXX - The bank has not resolved the technical issues or provided a long-term fix. 
- They have also failed to send loan statements regularly. 

**Dates and Amounts** : - These issues have been ongoing for several months. Specific dates and amounts of payments can be provided if necessary. 

I am requesting that Fifth Third Bank : 1. Immediately provide all statements for my car loan.

2. Fix their technical issues to ensure that I can make payments directly and without difficulty.

3. Address any fees, charges, or negative credit reporting that may have resulted from these issues.
Product: Debt collection

Having thoroughly reviewed my most recent credit report, I noticed a number of accounts that I did not authorize and were added without my knowledge.
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. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by SPRING OAKS CAPITAL LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : 1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. 
Specifically, I am seeking : XXXX. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
XXXX. Detailed list of payments I made on this debt XXXX. Insurance claims claim filed on this debt XXXX. Signature I put on contract guaranteeing that I will pay Spring Oak Capital, LLC XXXX. Proof of chain of title to collect on this debt XXXX Requesting a purchase agreement between the collection agency, the original creditor myself, requested information needed within 15 days. Still have not received it. Proof of chain of title to collect on this debt
Product: Credit reporting or other personal consumer reports

Inaccurate balance reporting on my credit. The balance with this creditor is {$0.00}. I will attach the statement and screenshots to support this fact. I have tried to get this handled directly several times with the XXXX company and the credit companies. Still NO RESULTS.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX number : 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 right to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/22 around XXXX. I received a call from a man. He introduced himself and stated he was calling form XXXX, He said, I am going to make this quick. I am calling about your account you have with us, I said I am sorry I dont have an account with you he said yes you do I said no I do not have an account with XXXXXXXX XXXX He yelled check your credit report lady and hung up. I then called back, and he answered the phone now irate if you dont have an account then why are you calling and hung up again. I then called back several times to attempt to resolve this but he kept answering the phone and putting me on hold.

So I did check my credit report and to my avail, this company has checked my credit as if I applied for credit with them as a hard inquiry, which means I AUTHORIZED this request which I did not. 

My rights have been violated under the FRCA with these aggressive and outlandish collection tactics.
Product: Credit card or prepaid card

Citibank reduces credit limit from {$8500.00} to {$0.00} over the existing balance of about {$1400.00} on an account ending in XXXX. When I called XX/XX/2023, the three customer service representative took 15 minutes to verify who I was. Then told me I had to call XXXX for the reason why credit limit was reduced. Citbank runs this card under the Costco Anywhere Visa.

The only email notification of a change on my account was an email. This email didn't provide details, and the link was broken. Meaning I received a notice, but the notice didn't provide any reason why the credit limit was reduced.

In the banking industry this is called fee farming. Because if the account goes over the limit I'll get a fee, plus they can increase the interest rate. This is an unethical practice. Citibank didn't provide details to the customer service to respond to my inquiry. They pushed me off to someone else. 

My claim is that this is a programmatic model that maximizes fees and interest charged. Good payment performance with this bank is being overlooked.
Product: Credit card or prepaid card

I have no negative items on my credit and dont owe anyone I make XXXX a year on average and only gotten approved for XXXX dollar card limit Meanwhile my best friend who has a lower score than me gets approved for XXXX card limit I served my country I dont know if its XXXX descremination because I am XXXX but this is truly unfair I love navy federaXXXX and all of the credit unions benefits and all I ask is to be treated fair I served my country and still am serving my country I had close friends die in combat next to me so please I have been through a lot so can you please increase my limit
Product: Credit reporting or other personal consumer reports

Money wasnt available when promised. This is fraud and Im concerned.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan for {$4500.00} almost two years ago at lendmark financial about XX/XX/XXXX of XXXX  and I have been making steady payments of the amount they set per month and I STILL owe {$4500.00}. Is that even legal? After almost two years of paying on time!! And I still owe {$1.00} more then my initial loan, AGAIN after almost two years of paying as of XX/XX/XXXX I still oew the same plus {$1.00}. This is absurd to be honest.
Product: Debt collection

I was not given the chance to dispute XXXX XXXX XXXX XXXX account # XXXX civil warrant # XXXX in XXXX County TN, due me not receiving the court date. Also this is not mine account in which my wages are being garnished still has not been verified. I am a XXXX military veteran that is fighting XXXX ( XXXX ) and a family I am trying to take care of. The garnishment has caused me to lose the XXXX XXXX XXXX XXXX I had. I have tried to file a complaint at the county, I get the run the rounds and no lawyers will take it. I am very stressed out with this situation that has me mentally, financially and physically.
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted my identity theft affidavit to Equifax using their online portal. On this affidavit, I explicitly stated that I did not authorize a good number of inquiries on my credit report, and that they should have been removed immediately per 605 ( b ) of the FCRA. The inquiries that are unauthorized are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Vehicle loan or lease

I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. 


Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. 


Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. 


I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. 


No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. 


Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX  and real liability.
Product: Bank account or service

I would like to submit a formal complaint related to Citibank 's refusal to honor the CitiGold checking account promotion for XXXX XXXX XXXX miles after I had met all terms of the promotion. Upon enrolling in the CitiGold checking account under this promotion, I contacted Citibank directly via Secure Message to confirm my eligibility and ensure the promotion had been properly attached to my account. A Citibank representative replied ( see attachment for full documentation of my conversation with this representative ) and confirmed that the promotion had been properly applied to my account, my XXXX XXXX number had been linked, and I would receive the XXXX XXXX XXXX miles after meeting the promotion 's spending and bill pay requirements. Additionally, I also received hard-copy documents in the mail with my CitiGold welcome package that explicitly stated my enrollment in this promotion, and in no unclear terms also stated that the XXXX XXXX XXXX miles would be awarded upon meeting the promotion 's debit purchase and bill pay requirements. 

After meeting all of the promotional requirements in XX/XX/XXXX, I contacted Citibank again to get a time estimate of when I could expect to receive my promotional award of XXXX XXXX XXXX miles. Another Citibank representative responded and directly contradicted earlier communications from Citibank by stating the promotion could not be applied to my account, and the points would not be awarded. As a result, XX/XX/XXXX of requested an investigation be opened with CitiBank to escalate this issue. It has now been over a month, and I have still not received a response from CitiBank regarding the outcome of this investigation. As such, I have no choice but to escalate this to the CFPB to request their assistence in resolving this matter. 

To summarize, Citibank, through both physical and electronic communication ( see attachments ) has previously confirmed my enrollment in their Citigold promotion for XXXX XXXX XXXX miles. Upon completing all promotion requirements, Citibank has failed to fulfil their end of the promotional agreement, and has failed to respond in a timely manner to my attempts at resolving this issue directly with them.