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

There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the XXXX XXXX XXXX, service my loan ( XXXX ), and, if necessary, locate me and report on my loan ( XXXX ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my XXXX ( Cancellation of XXXX ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.
Product: Checking or savings account

I want to access my account by means of another acct however I'm being blocked. Please allow access. This is delaying the management of my financial life. So disappointed, second attempt with no response!
Product: Checking or savings account

I have been a Chime account holder for over a year with no problems. I have been a huge fan and promoted this company to many. 

However, since my last direct deposit my account was suspended. After seeing it was it was suspented I went through my emails and found two emails from Chime in my spam folder. 

I promptly replied to those emails ( on Monday ). They asked for a copy of my ID front and back, and a utility bill. Just to be safe I sent them a picture of my SS card, a selfie with my ID/note, and in one my email replies I also sent an explanation of a few transactions ( inbound and outbound investment sells/purchases ) they had asked questions about. Those transactions were part of me diversifing investments. I sold some investments and rebought some new investments, pretty straight forward. 

I understand it takes time to review documents, but I have sent them EVERYTHING and more than they requested 7 days ago and currently have {$4000.00} of direct deposits from my employer stuck in the suspended account. 

At this point I am desperate to access my funds so I can pay bills. I have called Chime 10+ times and told I will get a response from the review team within 2 hours which has never happened. 

I don't know where else to go or what else to do, all of my information is accurate and matches my profile when I opened my account. Everything matches my ID, address, be and utility bill. MY FINDS ARE BEING HELD XXXX and I can't get a reply from the " right '' department that doesn't take phone calls. When I do call the reps that answer are nice, but they say they can't do anything. They verify that all of the info/Docs have been recieved and look good but they can't unlock the account only the other department can, and the only way to access them is through email. 

I have sent tons of emails to many departments with no replies Please provide me with access to my money via chime or a check to my address you have on file that matches my ID and utility bill. XXXX Chime... this is my money to pay my bills, you can just take it and not reply. This isn't fair and I don't know who else to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never filed a XXXX XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have reached out to the number on file for the account on my report. I have been unsuccessful in reaching someone that is able to assist me in getting this resolved. I have no knowledge of signing up for anything at ULTA. I'm in fear that someone has stolen my identity as I am seeing even more accounts opened in relatively the same time frame that I have no knowledge of.
Product: Credit card or prepaid card

I saw a charge for {$1000.00} on my card that I did not make. I immediately called the CC company and told them about the charge. I canceled that card and got a replacement. A few days later I found on my porch a box of strange pneumatic tools. The packing slip said that they were sent from a company in Florida, and sold to a company in XXXX, DE but for some reason shipped to and billed to me. When I called the company in XXXX, they said it was part of a scam using stolen credit cards. I immediately contacted my CC provider and asked them : What should I do?. They never responded, but a short time later they emailed me refusing my dispute. The reason they gave was that I received these weird pneumatic tools. I told them it was a drop ship scam and the other company involved, in XXXX, had already been reimbursed on their end, and were willing to talk to my CC investigators, but they reuse to talk to me any further about it. My CC provider could NOT have investigated this at all since one of the two parties on the packing list from the shipment said it was a scam. ( I did send a copy of the packing list to my CC provider when these tools came. I work three jobs, six to seven days a week, I can afford to be ripped off for {$1000.00}!! Can you please, please help me out? Thanks very much, XXXX
Product: Credit card

XXXX is issuing credit cards without proper disclosure and is not informing customers about APR. I visited their store on XXXX in XXXX VA and the associate submitted a credit card application without informing me about the terms and conditions of the card and i thought i was getting a store XXXX card and not a credit card,
Product: Credit reporting, credit repair services, or other personal consumer reports

account was included in BK account is being reported past due and with balance which is a violation under FCRA account is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and has previously been removed and reinserted in violation to FCRA. 

XX/XX/2017, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations confirmed with the State of Maryland Division of Financial Regulation, Ms. XXXX XXXX as well as Consumer Protection Bureau via complaint filed, the tradeline, XXXX XXXX XXXX Acct # XXXX removed. 

Since this tradeline has been reinserted with additional fraudulent information in violation of FCRA. Moreover, the reinserted tradeline dates have been changed for the purpose of extension of retention and asserted delinquency. 

Consumer asserts this has been a systematic behavior and violation of consumer 's FCRA rights. This appears to remain an oppressive irresponsible tactic targeted towards consumers, derogating their financial face of consumers and limiting job opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.
Product: Checking or savings account

Capital XXXX received mine and my spouses direct deposit on Wednesday XX/XX/XXXX. As now now 51 hours have passed and no resolution. No word from capital one except they are working on a resolution. Meanwhile my {$3600.00} of deposits are not in my acct. instead it shows only XXXX. I have bills posting or cancelling for no funds. This is XXXX on Friday of a banking holiday weekend. This will leave me 6+ days without any funds. Meanwhile my employer has paid me. I just cant get to the money due to capital one not properly finding my account after the direct deposit on Wednesday.
Product: Payday loan, title loan, personal loan, or advance loan

My debit card was hacked. It was the card I used to mnt in that way. I process and make my ocoucess to my acake payments on my line of credit. When I removed the problem card. I tried to add my new card. The system would not allow me to add it. I called customer service. They would not add my card unless I allowed them to make the payment for me. I do notgive any financial institution access to my account in that fashion. I tried several times, asking for supervisors. The same everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor
Product: Student loan

XXXX  edLoan never provided any documentation of loan repayment information. We were unaware that FedLoan  was our provider as we received no contact from them. Had been paying other student loans with  XXXX  for months as they had been in communication from the time before I was even graduated from college. Have been making those separate loans on time with no proble m. FedLoan has now destroyed my credit rating for delinquency and now they   say I owe all this accrued interest when I did n't even know FedLoan wa s my provider until today, they sent no communication-no letters, no phone calls. An email was on file that they said they were using, however, I do not communicate via e-mail and prefer to not to  do my bills electronically therefore I can not for the life of me seem to understand how they will tell me that I selected e-banking when I would most certainly never do that. In addition, all the several phone calls they insisted they made. Not one of   them did I receive, not a single message. Did not receive any letter notifications telling me my account was delinquent as I had n't been paying. I do not mind paying my l oans, whatsoever, in fact have been paying other ones with no problem. However, how can I pay my loan if I have no loan information and do n't even know who am I am expected to pay? It was n't until I ran a credit report that I realized FedLoan was destroying my credit for these payments I was given no information about. Now it is just their word against mine. FedLoan has several complaints open about them and clea rly I am not alone in thinking their business practices are fraudulent.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XX/XX/2021 I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX/Experian/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXX/Experian/XXXX  lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This account was opened fraudulently. I have submitted all documentation notarized, Including identity theft report, police reports, and dispute packet from this agency. I don't understand how can you prove an account belongs to me that I never opened. As a result this is my attempt to have this debt remove before I pursue legal action. This is clear violation of the law. I have all documentation and correspondences between me and this creditor. I also have documentation for third parties where I have receive several letters that my information was included in several data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.
Product: Credit card

I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. 

FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. 

My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. 

I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. 

I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. 

ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. 

So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. 


I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. 


STILL CANT BELIEVE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained. 

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.
Product: Vehicle loan or lease

I paid off my car over 2 years ago Honda Financial refuses to send my title. I have repeatedly requested via phone, mail and email and I continue to be send in circles. I have sent in the odometer form on 5 different occasions, and was told that the title had been sent only to find out months later that Honda Financial has no record of the odometer statement. XXXX XXXX XXXX XXXX XXXX also shared that they do not see where Honda Financial has requested a Title Transfer.