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

XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween. 
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

On XX/XX/XXXX, I was charged {$160.00} by XXXX XXXX in Utah. I did not recognize this purchase as I have not visited Utah and reported it as fraud. XXXX XXXX agreed and credited the amount back to my account. A little after that I received a letter in the mail from Aldous and Associates saying I owe a debt to XXXX XXXX for {$270.00}. I disregarded it as I thought XXXX XXXX had taken care of the matter for me. However, I began receiving phone calls from Aldous and Associates. I called them back and informed them of my situation. They said to ensure I am telling the truth and to provide evidence I will need to file a police report, which I did and sent them a copy. However, I continued to receive phone calls from them asking me to pay my debt and I continued to inform them that it was fraud and to look over the police report I sent. Some time passes and I receive another letter on XX/XX/XXXX, informing me of my debt and that they have sent over my police report to XXXX XXXX. The letter also contained information of the original membership they are referring to that started on XX/XX/XXXX and is unfamiliar to me. Then on XX/XX/XXXX I received another call from Aldous and Associates asking to me to pay my debt. I again told them that this should have been taken care of already and he informed me that they still find me guilty and to pay my debt or they will inform credit bureaus of it. I said I need some time to go over the situation and he said it was in my best interest to at least make a partial payment today and I hung up. I called back trying to get some information about my case and they were not helpful so I told them I am going to get a lawyer involved and they said they cant talk to me and hung up.
Product: Credit reporting

XXXX reports my mortgage was in collection and charged off which is not correct. Equifax has not investigated this matter properly. XXXX can not show me or Equifax any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Equifax shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Equifax with loan details showing I was not in collection and there was no negativity on my account. Equifax could also review past credit files to see XXXX never reported me negative until XX/XX/XXXX/XX/XX/2015 which is one year after I paid off the loan. This is unethical.
Product: Credit card

Take a look at the documents provided. I wish for the investigative process to begin on these accounts where I am never overdue, but they are erroneously reporting me as such.
Product: Credit card

My spouse and I were coerced into signing a timeshare contract on XX/XX/year>, by XXXX. 

On XX/XX/XXXX, a rep told us that if we submitted our cancellation letter that morning, it would be honored. We did so. 

XXXX then reversed course, refusing the cancellation and attempting to hold us to the contract terms. 

This is a misrepresentation that caused financial harm. We want this on record and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX 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

Hello, I have listed all the agencies I have reached out to but was only able to put in one name in the next set of questions I have copied and pasted what exactly i said to these agencies if you can please investigate WHICH IS SOMETHING XXXX HAS NEVER DONE OR TRANSUNUION ID APPRECIATE IT I've been trying to resolve these issues for a while to no avail I have been a victim of identity theft unfortunately from my biological mom whose name is similar to mine I wasn't raised by her and need your help because XXXX especially has her name addresses etc. and so does a lot of agencies so if y'all can remove her names and addresses as well id appreciate it my name address and info is included in this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TEXAS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 




To whom this may concern, It has come to our attention that I have a charge off on my account with you and it is still yet on my credit report that has been updated since XX/XX/XXXX. That is a violation of the credit Reporting Act according to 15 USC 1692 G, 15 us code 16815-2, 15 us code 1681i, 15 us code 1681iaap Please verify the debt with PLEASE VERIFY IF THERE HAS BEEN ANY INSURANCE CLAIMS FOUND ON THIS DEBT Please verify the chain of title to collect on this debt I give you 30 days from the date this letter the date of this letter is XXXX is received to verify the above-mentioned\ request to receive a debt validation claim under and other verifying factors mentioned above according to 15 USC 1692G. If the item is not removed off my credit report i will sue for statutory damages I also ask to receive my 1099 in regard to this charge off please if this has not been executed i will be forced to take legal action for fraud Best regards, XXXX XXXX this is what i sent to the agency and collection companies
Product: Money transfer, virtual currency, or money service

My PayPal account XXXX was permanently limited due to my wrong typing word and i dont know how to edit or removed it plss help me to get back my account i used it for my business like crypto currency and sending for my family and friends ang i can't withdraw my funds.
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.

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681c ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of info. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 section A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 S-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 accurate. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. According to FCRA 605B, the 3 Credit Bureaus should revealing 100 % precise. Kindly help me correct these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently in the process of refinancing my current mortgage. My loan officer asked for 12 months of payment records from my current lender. I reached out to SLS ( loan # XXXX ) and began to go through the process of requesting a verification of mortgage and payment history. I was shocked to discover that my payment history was missing a XXXX payment. I contacted SLS to discuss my concern and request that the payment history be corrected to reflect the payments I have made. During each of the 10 conversations that I had with customer service technicians, I made them aware that two payments were lost during XXXX and XXXX or XXXX and that I provided SLS with copies of cashiers checks, stamped received by SLS, proving that payments were made. SLS reversed all late fees and contacted credit reporting companies, but failed to accurately report the missing payments Each one of the customer service representatives indicated that they had access to information confirming that I made payments during the months of XXXX through XXXX and that I had no late payments from XX/XX/XXXX to present. Unfortunately, the customer service representatives were unable to find a report containing the accurate information that I needed to continue my refinance. 
I asked for a letter listing my payment dates and explaining that I did not have any late payments, to no aviail. I now find myself in a position where I can not proceed with the refinance process, until this my payment record is corrected. I am currently losing money, as I have paid for an appraisal and other fees connected to this loan. I am hoping that you can help encourage SLS to correct my payment history.
Product: Payday loan, title loan, or personal loan

i have been travelling and had missed some payments. When i tried to catch payments up Lendingclub refused to accept online payments and made me call a toll free number which was difficult when travelling. I was finally able to reach someone and they told me that my loan was now in charge off status. 
They refused to take automatic payments, representative said that i had to call in monthly. 
Their own information says that charge off status is when they " reasonably expect no further payments to be made '' This is clearly not the case! I am trying to make payments and they are making it very difficult. 
This is clearly a way to make things more difficult for the consumer and let lending club profit at the expense of debtors and loan investors.
Product: Money transfer, virtual currency, or money service

Square 's product Cash App - would not allow me to transfer money out of the app or account via the fee less option. I checked with XXXX XXXX XXXX XXXX ( the bank the funds were going to ), they stated everything was okay on their side. Square refused to provide additional information needed to complete the transaction. 
- the only workable transfer I was left with was the fee based transfer. 
My funds were thus held and un transferable without a fee and I was unable to use the transfer option which took longer but did not charge me a fee. 
- I contacted square they refused to provide any support for the Cash App product other than directing me to a Q & A support page on the internet and within the App. 
- The feature to add a bank using the outing and account number did not work per their support page information and instructions. 
- The only option that worked was to have XXXX XXXX XXXX XXXX debit the account via phone which was limited to {$250.00} a day making it a lengthy process. 
- Cash App offers not interest on their money. 
- When I contacted Square regarding the issue I had no live person to speak to to discuss the problem via chat, phone nor e mail ... just the support page. 
- I am highly concerned as a consumer that this product holds and manages large sums of money without offering any support ( outside of a Q & A page ). They also have features that are without fees that do not work. The XXXX XXXX XXXX XXXX debit did not always work and sometimes required several calls and attempts before going through. Telling the XXXX XXXX XXXX XXXX employee that the card number was invalid despite the fact that the number was confirmed and worked on the next call? 
- Their accounting is also very unclear not giving a clear statement of your transactions and your balance in one place and in a clear manner. Pay Pal also has unclear accounting statements. 
- As a consumer I would like to see actual customer support by live people and better more clear accounting of credits, debits and balance in one place on one statement similar to banks. 
Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number 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. Account name : XXXX. XXXX  XXXX 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 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 ) ( XXXX ) 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: 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 Number : XXXX XXXX XXXX XXXX : Account # XXXX : Balance : {$31000.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$3200.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$1100.00} Account Number : XXXX XXXX  : Account # XXXX : Balance : {$31000.00} Account Number : XXXX XXXX  : Account XXXX XXXX : Balance : {$31000.00} Account Number : XXXX  : Account # XXXX : Balance : {$800.00} Account Number : XXXXXXXX XXXX XXXXXXXX : Account # XXXX : Balance XXXX {$23.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : RESIDENT VERIFY XX/XX/year> 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: Credit reporting or other personal consumer reports

A hard inquiry was done on my credit report from XXXX XXXXXXXX on the XXXX of XXXX XXXX I contacted them on the XXXX, the XXXX, the XXXX they have failed to dispute this inquiry Someone has filed for a credit card on two occasions fraurantly with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union XXXX  and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score Im this date they reported my XXXX XXXX  account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX XXXX  advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans Union my scores would of not been effected!!!!!
Product: Checking or savings account

On XX/XX/2023, I signed up for Business Checking Account with US bank under the promotion code that entitled me to ( 1 ) {$500.00} if I maintained a certain balance in my account and ( 2 ) {$600.00} if I signed up for XXXX XXXX XXXX and processed X amount of transactions. 

I fulfilled both criteria ( and customer service reps confirmed it ). However US Bank has not credited me the {$600.00} associated with ( 2 ). 

I have contacted US Bank multiple times who've opened internal tickets, but this has not resulted in any action.
Product: Money transfer, virtual currency, or money service

On today at XXXXXXXX XXXX I opened my credit karma app and accessed the money tab. Over and over again it would only say an error has occurred. I then chatted with a customer service representative and was told that the website was experiencing downtime, and it should be back to working within the hour. After trying to access my account again an hour later it was the same result. I again contacted customer service and was told that the system was down due to a system upgrade. It's been hours and I still have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: 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. 

XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 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.