23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Regarding Loan Declination Process and Customer Service Dear Fifth Third Bank Customer Service Team, I am writing to formally express my concerns regarding the handling of my recent loan application and the poor customer service I experienced while attempting to resolve the matter. 

On Monday, XX/XX/year>, I applied for a personal loan with Fifth Third Bank, which was subsequently denied. While I fully understand the decision and respect the policies in place, I encountered significant challenges obtaining proof that the loan was not funded. 

On XX/XX/year>, I was approved for a personal loan with another financial institution, but they required confirmation from Fifth Third Bank that my application had been denied and no funds were disbursed. They gave me a deadline of 7 calendar days to provide this documentation. When I reached out to your customer service team, I was informed that an adverse action notice would be mailed within 30 days, but no immediate email or other form of proof could be provided. 

Despite multiple calls to your corporate office, I was unable to resolve this issue. I spoke with at least 10 representatives, one of whom hung up on me and four others who spoke to me in a rude and dismissive manner. This experience left me feeling frustrated, undervalued as a loyal customer, and ultimately caused me to miss the opportunity to secure the loan with the other institution. 

I am requesting that you review the calls I made to your corporate office to better understand the treatment I received. While I understand that policies are in place for processing adverse action notices, I believe Fifth Third Bank could have provided better customer support and a more timely solution to my reasonable request. 

As a loyal customer of Fifth Third Bank for years, this experience has severely diminished my trust in your institution. I am now actively seeking alternative banking options due to the way this situation was handled. 

I hope this feedback serves as an opportunity for improvement. Please confirm receipt of this email and advise on any further steps or actions you are willing to take to address my concerns.
Product: Bank account or service

On or about XXXX/XXXX/2015 I opened a checking account with JP Morgan Chase Bank to wit : XXXX XXXX XXXX, XXXX XXXX, CT XXXX using cash from my profit sharing funds from a former employer. After receiving my debit card then received a letter demanding that I provide proof of residence, a utility bill and/or a cellular phone bill. I reside at XXXX XXXX in XXXX XXXX CT which is classified as a boarding house and make weekly payments which provided me with a letter of residence as no lease agreement exists and all utilities are inclusive. I then provided a copy of my cell phone bill which was provided for a nominal fee as the company I am contracted with does not mail out statements they provided on line via e-mail. Neither were accepted. I was informed if did not provide adequate proof the account would be closed. Approximately a week later I attempted to use the bank issued debit card and was informed the account had been closed. I contacted Chase Bank and was in formed that a check with the remaining funds would be sent to my address and the address was verified. I was informed that this action would take 3 to 4 weeks. Having not received the funds I contacted the bank and was informed that the check was sent a trace was needed. I then waited an additional 2 weeks and received nothing. I have made several attempts to contact the bank in question and have only been able to leave a voice mail and NO representative has responded.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/2023 from XXXX XXXX XXXX, XXXX. It stated I owe a debt of {$5000.00}. This puts XXXX XXXX XXXX, XXXX in violation the Fair Debt Collection Practices Act ( FDCPA ). I do not owe this debt. 

The Fair Debt Collection Practices Act ( FDCPA ) states debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : * The amount owed * That the person is an attorney if they are not * False threats to have you arrested * Threats to do things that can not legally be done * Threats to do things that the debt collector has no intention of doing '' XXXX XXXX XXXX, XXXX is in direct violation of the FDCPA since I do not owe this debt. They are attempting to collect a debt from a brokerage firm. I have never had an account with this firm. Even if I did have an account with the alleged firm, the customer agreement states all disputes go to arbitration and both parties waive their right to sue in court ( attached ). This is a debt I do not owe, is uncollectible, and XXXX XXXX XXXX, XXXX is making threats that legally can not be done and they don't have intent on doing. 

An additional violation of the FDCPA, on XX/XX/2023, I mailed a certified mail letter to dispute these claims to their address at XXXX XXXX XXXX as stated in the letter received on XX/XX/2023. This is well within the 30 day dispute window. However, XXXX XXXX XXXX, XXXX has refused to sign my certified mail letter after XXXX attempted deliveries so I have NOT been afforded my rights under the Fair Debt Collection Practices Act ( FDCPA ) to officially dispute this debt. 

Tracking Number for Certified Mail Letter to Dispute Debt XXXX XXXX Number : XXXX I am seeking the following : * XXXX XXXX XXXX, LLC to immediately stop all collection efforts * Provide written proof of stopping all collection efforts Any continued pursuit of this debt not owed will be met by swift legal action to get it disassociated from my name. All necessary debt regulatory bodies will be notified and multiple complaints will be filed until collection efforts are ceased and proof is provided in writing. 

Thank You
Product: Checking or savings account

Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau. 

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts in collections with Account Resolution Corp and have been trying to get them resolved one by one. Today XX/XX/XXXX I called to make sure a payment was received for one of the accounts which I was told by one representative it was on XX/XX/XXXX. She was about to note the account & put the request to have the account removed " adjusted '' from my credit and the call was lost. Per my last call ( before the payment ) on XX/XX/XXXX, I spoke with XXXX who advised that it would be removed from my credit and they report every Friday I believe. I was disconnected from the first rep today and didn't get her name so I called back and got XXXX. I believe I spoke with him before in the past and he was very rushy and rude and at first didn't even show I had made the payment. I was also trying to pay on another account and all he seemed concerned with was the payment which was only {$89.00}. I tried advising to him I had just talked to another rep and was disconnected and asked if I could talk to her. He never transfered the call and continued on. He never gave the mini XXXX either.I explained to him I just wanted to talk to the last person since I didn't have a lot time. I just wanted to make sure the other account was taking care of before proceeding. He said he'd have to place me on hold and look into this for the adjustment. Once I told him I would just call back and look into or contact someone else he became more irate insisting payment and made a remark that contacting someone else wouldn't do me any good. I was very upset upon the end of this call and just wanted the information to get these cleared up but I feel he was very insensitive of my situation and was very unprofessional.
Product: Mortgage

I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!
Product: Money transfer, virtual currency, or money service

I opened a Pay Pal account and during the process it wanted what considered an excess amount of supporting documents with photo ID, SSN etc. I elected NOT to use pay pal. I have made NO purchase with Pay Pal. I have talked to them no less than 4 times on the phone. I have verified my email, phone and debit card it in the system with them over the phone. They continue to tell me I cant ' have the account closed unless I upload my driver license, proof of SSN and other documents. I find the need to upload these sensitive pieces of information in order to close an account that has NOT been used/has no balance no transactions is beyond stupid. I want them to close the account. Never dealt with financial institution that requires those sensitive documents to be uploaded into system. Ever day financial systems get hacked. I dont ' want to upload those documents into a system for an account that I am NOT using.
Product: Debt collection

XXXX from Lamont Hanley and associates continually calls our business for a debt we told he we do n't own. He has called my computer workers ex wife and will not stop. It is creating problems for orders coming in along with personal issues as a result of his repeated calls
Product: Checking or savings account

An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian regarding an account that I've filed a local police report regarding. This account is fraudulent and identity theft, in which, Experian has never removed the account nor blocked it from my file. I have reason to believe Experian is willfully not complying. I've gathered all evidence of me attempting to have this account removed from my consumer report and they've refused. I have reason to believe Experian has NOT taken actual measures to investigate nor comply with Federal statutes as well as the FCRA. I've been denied credit and this has been extremely harmful to my reputation and has resulted in an unfair banking perspective. Despite my requests and proof of what I've alleged to be identity theft, Experian continues to purposely LIE stating they've verified something but refuse to inform me with who they personally spoke to, when they spoke to them, what evidence were they shown, etc. These are all questions I've asked. Experian continues to state they're " reinvestigating or reverifying '' upon my request, however, I've never made that request! Instead, I've supplied them with the necessary documents to block and remove this fraudulent account from my credit file and they've refused to comply.
Product: Credit reporting or other personal consumer reports

I have not applied for any credit. 
I have several inquires on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( month and year ) I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Debt collection

I bought this car never registered the car under my name. I then sold this car to a unknown person I cant remember the name. This happened 3 years ago. Its been a long time I 've did my part by releasing liability to DMV but for some reason they have no record. i send out for XXXX inquiry witch I paid {$20.00} for but when it came back my release of liability was not on their, I know I did it online for some reason it did not save under the DMV system. The collection agency told me if i forgot to enter millage or any little thing it would not accept it I 'm not sure if a did an error on my behalf but I 'm 100 % sure I did it. DMV never rejected my application. I did file the release of liability but like i side they have no proof. I 'm the kind of person that takes care of her responsibilities but at this time i find my self very upset because I 'm being charged for something that i know in took care of 3 years ago. I tried talking to the collection agency and letting them know what happened but they do n't seem want to dismiss the case they keep asking me for money. I actually gave them a {$25.00} dollar payment to keep them away. I do n't find it fair to have to pay for something that i do n't have and sold 3 years ago and knowing I did the release of liability. I have in closed copies of a new release of liability that DMV had me redo but the collection agency will not accept it. DMV said they should accept it but they want the date to be a date before it got towed away.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX2 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX  was the original creditor which sold this account to XXXX this account was paid but wasn't updated as paid
Product: Money transfer, virtual currency, or money service

I PURCHASED AN XXXX XXXX XXXX ON XX/XX/year>. IT WAS ADVERTISED AS LIKE NEW. I RECEIVED IT IT WAS BROKEN AND MISSING PARTS. I FILED A COMPLAINT AND XXXX REQUESTED THAT I RETURN THE ITEM BY XX/XX/year>. I RETURNED THE ITEM ON XX/XX/year>. 

XXXX STATED THE RETURN WAS INVALID. I CALLED ON XX/XX/year> AND SPOKE WITH XXXX SHE TRANSFERRED ME TO HER SUPERVISOR XXXX AND I WAS ADVISED THAT THE TRACKING NUMBER I PROVIDED MATCHED THE SELLERS TRACKING NUMBER. I EXPLAINED THAT A XXXX EMPLOYEE ENTERED MY RETURN TRACKING NUMBER AS THE SELLERS TRACKING INFORMATION AND THE TRACKING NUMBERS ARE NOT THE SAME. 

SHE CHECKED THE INFORMATION AND ENTERED THE CORRECTION AND TOLD ME THAT I WOULD RECEIVED A FULL REFUND FOR THE RETURNED ITEM. SINCE THE SELLER DID RECEIVE THE ITEM. I HAVE NOT RECEIVED THE REFUND AND I STILL OWE THE {$110.00} ON MY XXXX ACCOUNT AND THAT SHOULD HAVE BEEN CREDITED OFF AND I SHOULD NO LONGER OWE IT SINCE I RETURNED THE ITEM.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently is XX/XX/year> I opened my credit report, I see that I had a debt collection on report. I did not know nor did I receive any documentation about the collection.
Product: Debt collection

I have reached out numerous times that this account does not belong to me. I have been called a plethora amount of times yet the account is still on my credit report.
Product: Debt collection

This company has engaged in abusive unfair and deceptive practice of the fair debt collection practice act. The furnished an account that we have not agreed upon or did i have knowledge of. I have never signed an agreement with them. A legal contract insist of two parties and I did not agree or praticipate. Even more so they didnt follow the proper 5 step validation procedure which makes it unfair practice according to the FDCPA.
Product: Credit card or prepaid card

I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter regarding the Fair Credit Reporting Act ( FCRA ) and the egregious violations committed by XXXX, XXXX XXXX, and XXXX XXXX. It is with great concern that I highlight the protracted delay in resolving these issues, particularly in relation to my Equifax credit report. 

Under 15 USC 1681 section 602, my right to privacy has been unequivocally breached by these creditors. The severity of this situation is further emphasized by 15 USC 1681 section 604a section 2, which explicitly outlines the imperative of safeguarding consumer privacy.

Additionally, as per 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, these creditors are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. 

I am disappointed by the lack of expedited attention to this issue specifically on my Equifax report. 

I urgently request Equifax to prioritize this dispute, conduct a thorough investigation, and promptly rectify my Equifax credit report. 

Your immediate and decisive action in resolving this matter is both expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy.

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