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

I am disputing an inaccurate item on my credit report, which is attributed to Fifth Third Bank. Over the last 45 days, I have made multiple attempts to resolve this issue directly with Fifth Third Bank. I escalated the matter and was put in contact with the Office of the President. However, for the past 3 weeks, I have received no resolution or meaningful response. I have called multiple times and sent follow-up emails, yet I have been ignored. 

Efforts to Resolve : 1.I contacted Fifth Third Bank on XX/XX/XXXX to dispute the credit report error. 
2.I was referred to the Office of the President with XXXX as my direct point of contact. yet no one has provided me with updates or actions to resolve my dispute. 
3.I followed up via phone from XX/XX/XXXX - present XX/XX/XXXX and sent emails on XX/XX/XXXX - present XX/XX/XXXX but I received no responses to my requests. 

The inaccurate credit reporting is causing severe financial hardship. It has prevented me from : 1.Securing financing to purchase a vehicle since my current vehicle is inoperable.

2.Qualifying for a home mortgage, which has delayed my plans to purchase a property.

This situation is directly impacting my ability to move forward financially and personally.I am requesting the CFPB to : 1.Compel Fifth Third Bank to investigate and respond to my credit dispute. 2.Take corrective action to resolve the inaccurate reporting or provide evidence of its validity. 3.Ensure that Fifth Third communicates directly with me and resolves this matter promptly.

Attached are documents from my credit report showing Ive made my payments on time with 5th 3rd, Ive never received a late payment letter or phone call from them and my payment where auto drafted most of the time. I spoke with a representative from 5th 3rd where I took the loan out and they stated it was incorrect on their end but shed have to forward it to the office of presidents.
Product: Debt collection

I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX while attempting to withdraw funds using my ATM linked on my XXXX XXXX app ( i've done this before multiple times ). I got a message saying my that ATM card had been cancelled and that the replacement has been activated. I tried a few times more. Then went int to speak to a teller. The teller verified that the card linked to my XXXX account was the current and valid one. I asked how we can fix it. The teller said I would have to call the phone number. I said I want to fix it now and here. He claimed he couldn't fix it. I insisted it be fixed. The teller then said the manager could help me. I said I'll wait here, the teller went and got the manager and the manager said he could help me in 2 minutes. I said fine and stated I would wait here. The manager and teller then proceeded to count money for a client a process that took longer than 2 minutes. Then the teller moved windows, I moved with him. The teller than said he had to help customers I said you're helping me. He then went and got the manager who said, " if he ( the teller ) doesn't help you, you're not getting help ''. The teller already said he couldn't help me. He's denying my access to my funds and the service Chase charges me for. I reminded him that he said it would be 2 minutes. He then lied and said he never said such a thing. He then told the teller to call XXXX. The teller called XXXX lied claiming I was harassing customers and being " aggressive ''. I was neither. This all happened at the Chase bank located at XXXX XXXX XXXX, XXXX CA XXXX. The bank Manager name was XXXX XXXX. The first office to respond from the XXXX XXXX XXXX XXXX badge # XXXX. I reached out to Chase via the in-app chat. They have yet to respond, besides a generic Chat Bot response. 

Is this wire fraud? How are they allowed to deny me access to my money and services I pay for?
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting I was late every month for an entire year. XXXXXXXX However, on Experian site it shows the payment legend/history and it shows a payment was made each month. I spoke to a rep at XXXX XXXX  name XXXX on XX/XX/XXXX or XXXX XXXX. He said XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. I will take ownership for XXXX and XXXX but I was not late for the rest of the month and Experian site shows payments made in each month. This information is being reported inaccurately.
Product: Credit card or prepaid card

I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX XXXX XXXXXXXX ) is reporting a balance of ( {$490.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$490.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Checking or savings account

On XX/XX/2023 I was replying back to a work from home company called XXXX XXXX which is a very creditable company. I was contacted via text, and this person stated that I was selected for an interview for the job. This interview was held on an app called XXXX. The person I was talking to was impersonating as an employee from this company. They gave me sets of interview questions that seemed legit and once I was done they told me that they would get back to me the next day to let me know if I got the job or not. On XX/XX/2023 I was giving the news that I got the job. I was given an offer letter with the actual companys logo on it and everything. The impersonator went on to explain what the job entails. They told me that the equipment I was going to need would be paid for but I would have to cash a check provided by XXXX XXXX to buy the equipment. They sent the check of {$3100.00} and once I tried to deposit this check my account at Huntington Bank closed. I ended up calling Huntington and ask them what the problem was. Apparently, the check turned out to be fraud. The account was then overdraft of the {$3100.00} and once I told the impersonator if they were scamming me they tried to plead it wasnt a scam. The impersonator also asked how much money could I pay out of MY pocket also since my account closed. I stopped talking to them after. I know Huntington has a strict policy but I need them to understand that this was not to my knowledge all this was a scam. It seemed to good to be true but as a XXXX XXXX XXXX XXXX who is desperately looking for a job in these times it was an honest mistake.
Product: Credit card or prepaid card

Hello, I have a Chase XXXX XXXX Visa credit card that had a promotional offer stating if I made a purchase at a retailer, XXXX, I would receive 10 % cash back on my credit card, up to {$17.00}. I activated this offer, then proceeded to make a {$260.00} on XX/XX/2019 ( see Attachment 1 ). I checked online and was only credited {$9.00}. Chase stated because XXXX broke up my SINGLE transaction into two separate charges ( not sure why they processed this transaction this way, see Attachment 2 ), I was only eligible for {$9.00} instead of {$17.00}. I feel like this is an unfair business practice as the consumer does not control how the merchant processes and ultimately charges customers. I contacted Chase two times, and the first individual said they would refer my complaint to card services. I received notification via mail ( see Attachment 3 ), that I would only be credited {$9.00}. I offered to send my receipt to the credit card company and they did not care. They said I would need to contact XXXX. This offer was made to me through Chase, so I don't understand how XXXX would be responsible for crediting me the remaining {$8.00}. I feel that if this is a standard practice, there are likely other consumers that are also being treated unfairly after spending the required amounts of money to qualify for these offers. This seems like an unfair business practice. I upheld my end of the agreement, used this card for this reason, and was told I would not receive the promised amount. While the amount is arbitrary ( {$8.00} ), it's the practice that I feel is abusive, and as I mentioned earlier, other consumers are likely impacted by this practice. In aggregate, who knows -- XXXX has a large customer base and Chase is probably gaining a large amount of XXXX XXXX Credit Card holders through this relationship. If customers are not actively checking their accounts for credits, they would not know that they were losing money promised to them by the creditor. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent at least three letters to XXXX, XXXX, and Transunion in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Product: Credit card or prepaid card

I received a promotional letter from American Express to apply for the Delta Gold SkyMiles Credit Card that promised XXXX bonus miles if I spent {$3000.00} within a certain time frame. I opened the account on XX/XX/2018, and spent {$3000.00} right away, and then didn't receive the bonus miles. 
The offer also included a {$50.00} statement credit if I made a XXXX purchase which I did on XX/XX/XXXX. Alas, I received no {$50.00} statement credit from American Express, though I met the terms. 
I printed out the Skymiles XXXX offer which said I had til XX/XX/XXXX to take advantage of this bonus offer, and I applied and was approved for the credit card on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX, and the customer service agent said I might not get the bonus offer because I've had another American Express card in the distant past. However, there is no lifetime language on the offer terms regarding the bonus. 
The customer support person wanted to know what the RSVP code was, but I can't find it since I applied for the card, was approved, I assumed that American Express would honor their promise for the bonus. 
The customer service agent gave me a Case number, XXXX. 
The customer service agent said American Express won't let me know the results of their investigation, and if I call up maybe they'll have results for me, or maybe they won't. And maybe they'll give me the bonus, or maybe they won't. 
So American Express knows I've had a card in the past a few years ago, but they can't find out what my RSVP code was for the letter I received promoting the credit card and the bonus? American Express sent me multiple letters for this Delta Gold Skymiles Credit card with the bonus promotion. I only finally relented in XX/XX/2018 to take advantage of it. How could American Express have this selective information, that would benefit them only?
Product: Credit reporting, credit repair services, or other personal consumer reports

there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXXXXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success
Product: Debt collection

I received a call from a debt collector, XXXX, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from XXXX years ago. I contacted the original creditor, Citibank/Citicard and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over 20 years old and was settled over 15 years ago. 

Amount : {$1500.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Negatives XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation
E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX XXXX XXXX XXXX or XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I received two different credit cards from Bank of America that I did not apply for nor request, account numbers XXXX and XXXX. 

They refused my request for details on the source of these applications. 

I am presently a BofA customer, although that might end without this being resolved with that information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State  does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXXA copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Product: Debt collection

Was informed by XXXX that the I C System account was verified and remaining on my report. I have not had any open accounts in over 11 years, and have never had an account with XXXX XXXX of any kind. This negative report has an open as of date of XX/XX/2019. This is not my account I have not open an account and more than 11 years. This account is not reported on any of my other credit reports. This account is not mine and should be removed from my credit report as false and untrue.
Product: Debt collection

The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.
Product: Debt collection

XX/XX/2019 " XXXX, '' of world finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX, called for pmt on my loan. I returned her call. She refused to accept less than full payment and said it was company policy to refuse partial payment. I heard this in XX/XX/2019 from another employee. As I could not make full payment then or now and they were refusing partial payment, I went to the Corp website to verify their claims. I was able to submit a partial payment. Then I hear that XXXX called a pending employee twice. Once to garnish my wages ( I haven't started yet ) and again, to verify employment. The debt : {$290.00}, maybe 6/7 weeks ( WEEKS ) in arrears
Product: Credit reporting or other personal consumer reports

XXXX accessed my Trans Union Credit report XX/XX/year>. 

FTC XXXX Theft Report attached.