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

D ear Consumer Financial Protection Bureau, I am filing a formal complaint against Fifth Third Bank for unlawfully withholding my funds without clear justification. Despite previously stating that my account would be closed, the bank kept it open without my knowledge, allowed transactions to process, and is now refusing to release my funds, citing an unspecified investigation. 

I have not been provided with a clear explanation, a timeline for resolution, or any required steps to recover my money. This action appears to violate Regulation E ( Electronic Fund Transfer Act ), the Expedited Funds Availability Act ( Regulation CC ), and the Consumer Financial Protection Act ( UDAAP ) by restricting access to my legally deposited funds. 

I request immediate assistance in compelling Fifth Third Bank to release my funds or provide a legitimate reason for the hold. Please advise on the next steps I can take to escalate this matter. 

Sincerely, XXXX XXXX can file this complaint with the CFPB here for the fastest response. Let me know if you need any modifications!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ; Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX/ XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Product: Debt collection

I contacted the leasing office at the apartment complex regarding flooding in my apartment that was due to their pressure washing service. They refused to pay for XXXX  of dollars of damage, which resulted in a loss of clothes and shoes for my clothing boutique. Because I involved my attorneys, the collection agency ( IQ Data ) assessed fines. The amount listed by the collection agency is not the amount that I was told that I owed. I made payments on the balance each month and was notified in XXXX that it had been sent to collections. 

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to fair debt collection practices and privacy and confidentially under 15 U.S.C Ch 41 Subchapter V 1692f ( IQ Data ). Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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 words 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. Companies have been contacted regarding this matter.
Product: Bank account or service

Citibank closed my bank account with a balance and is now refusing to cash the balance. They state that they can not cash a check that was issued by citibank.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I asked dividend for a breakdown of the finance charges listed on my solar & roof loan agreement. They stated that it should have possible after I have the loan finalized. The information is helpful to see how overpaying each monthly can save me. I can save interst, but paying extra won't save money on their hidden fees. 
When I pointed out that they want me to sign a document without a detailed explanation, the rep just apologizes that there is nothing him or his supervisor could do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit XX/XX/2023 with 3 creditors. Then the following day they ran 7 more creditors without my consent. 

I found out when I received a credit alert. 10 inquires is wrong.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.
Product: Credit reporting or other personal consumer reports

A negative account was added to my credit report without any proof, this is a fraudulent account.
Product: Student loan

I submitted a request for refund on XX/XX/XXXX for my loan payments for last year due to circumstances. I keep getting the run around and today was the final straw. Every single person I have talked to over the past few months has told me something different. XXXX person I spoke with before XXXX stated that it had been approved and they had all of my information from my previous lender, XXXX. That everything looks great and I should expect a deposit end of XXXX or early XXXX. I called today as it's been a few weeks and was told they are STILL processing information from XXXX and they didn't have a time frame for me. They apparently expedited my request in XXXX due to hardship. I'm a XXXXXXXX XXXX  and I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I hate being told these lies over and over about my expectations throughout this process. All they could say was " sorry ''. I pray others have a much better experience than what I am having thus far. The most current call was today XX/XX/XXXX. I have made several calls starting from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Request payment history on all credit bureau to get all late payments updated to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

They US Bank is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in XX/XX/2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!
Product: Debt collection

XX/XX/18 I received notification from my credit bureaus XXXX my credit has been changed. I viewed the debt collector asking for approximately {$2300.00}. I am concerned because that is very incorrect and false information and furthermore I never received notice of a court date for allegations of a judgement. I know my security deposit was a XXXX dollars and the XXXX XXXX apartments kept ALL of my security deposit. The day I vacated I asked the managers assistant and main manager for documentation providing I am leaving and everything as been satisfied. I was told yes and my security deposit will be sent to me by mail. I can leave now. I do have a video recording of this conversation because I am aware this apartment complex has commited fraudulent claims in the past. I also have a witness who was present during this conversation. I also have pictures to show the apartment was left as is and clean. This extremely high judgement is a false claim and detrimental to my credit history and character as a consumer. I want this information corrected immediately. I also would like to see the file of what was alleged for judgement so I can dispute in court if need be, as I have every proof needed to show this amount is false and incorrect information on my credit report.
Product: Debt collection

XX/XX/XXXX I received a notification XXXX  XXXX XXXX asking which of 3 options listed would I like to statuary my debt to Toyota Motor Credit. This is a debt I have disputed in the past due to the high amount however Toyota could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from XXXX. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a XXXX account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the Toyota loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called XXXX at XXXX XXXX ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
Product: Credit card

I had in 2013 a secured credit card from Bank of America. I had to put XXXX to open it. Two months after I opened the credit card account I moved but I called them and told the new address, they never somehow put that information on their system. As I had never used so much of my credit card and had everything else sent to my new address, I did n't notice that their bill never came to my new address. Months later I received a call from a collection company saying that I had a debit with Bank of America of XXXX and something. I paid but they put a negative report in my credit even know that they did n't send me any bill in my new address. I do n't think it is fair for me to pay for their disorganized data base. I called them about it but the negative report still there making my score down. 
I hope you can help me. 
Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time. I have provided bank statements and payment confirmation receipts as evidence, which clearly show that the payment was processed and sent before the due date. 
Despite providing these supporting documents, the late payment was inaccurately recorded on my credit report by Experian. 
Although I followed the correct dispute process as per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! 

They have spammed my file over 20 times in one month.
Product: Credit reporting

Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
Product: Vehicle loan or lease

In XX/XX/2019, I filed a complaint against Mid Atlantic Finance with CFPB. Since filing the complaint, we have not been able to communicate with anyone regarding the details of our account. Per XXXX XXXX, no one is able to speak with us, except for a specific department because we filed the complaint. When we call, we are placed on hold for extended periods of time with no response. In XX/XX/2019, I emailed Ms. XXXX   documentation requesting an extension due to financial difficulties. Ms. XXXX stated we would get a call back within one week. I have made numerous attempts to call, only to hold for extended periods and the phone call be dropped.

Mid Atlantic Finance has incorrectly charged off our account. We want to pay the account ; however, we are requesting modifications to the loan. We are requesting a loan modification due to financial difficulties with my son and my husband. Mid Atlantic is not our original lien holder. Our account was sold to them without our prior knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been 30 days and the credit bureau has failed to send my investigation back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or 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.