23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank : Fifth Third Bank Type of Account : Conventional Mortgage How Acquired : Fifth Third Purchased from XXXX XXXX XXXX  on XX/XX/XXXX Fifth Third Bank purchased my loan from another lender ten weeks ago, and never sent me any welcome letter or payment information, but instead the first written communication I formally received from them ( received today, XX/XX/XXXX, mailed on XX/XX/XXXX ), threatened to foreclose on my house! 

I actually had reached out to Fifth Third by phone on Friday, XX/XX/XXXX, after receiving a message from one of their customer service reps the day before. I had no idea what the call was about as I was unaware that I had any business relationship with the bank. I did not get through to them on XX/XX/XXXX, I finally got through to a customer rep on XX/XX/XXXX. The only useful information she provided was that Fifth Third had bought my loan from XXXX and that my payment was two months overdue. I told her I would be happy to go online and make the payments immediately, however she told me that she could not provide my account number over the phone or by email, and I would have to wait for their " welcome packet '' which she promised to send out right away. However, that packet never came, but seven days later, the bank sent me this letter saying my mortgage is in default. 

Given the extreme lack of communication from this bank, my concern is that they only bought out this 3 % loan in order to try to foreclose on it as they would be able to lend at much higher interest now. And honestly, I would simply refinance right now and have the new lender pay off this crooked  bank except that I would not even be able to afford the loan at today 's rates. 

It seems it would have to be illegal for a bank to operate the way Fifth Third is doing. I would request any assistance you can provide with this bank, and also would like to know what laws specifically apply to banks with respect to notification to captive customers when they purchase a loan. I appreciate your assistance.
Product: Credit card or prepaid card

the card was in a negative balance of around {$500.00}. I was not working and was in and out of the hospital so I was not getting a full paycheck. I started to send allotments of {$100.00} and {$150.00} to repay the negative balance. On XX/XX/23, I received a full paycheck of around {$3800.00}, plus an allotment of {$150.00}. The negative was paid in full at this point and when I tried to pay a bill, I was declined because the company froze my funds. When I spoke with the customer service rep, she said that the recovery team would have to unblock the funds but I was not able to speak with anyone on that team. Normally, a bank would allow you to speak with someone on the fraud team and they are able to fix it that same day. Customer rep said that they would have to send an email to the recovery team and I would have to wait XXXX business days to get a response. Meantime, my money would be sitting there and I would not be able to pay bills. They could not accurately tell me what I owed. This is a holiday weekend and when the customer rep said she tried to speak with a XXXX, they told her it was nothing they could do. Most legitimate banks can fix those problems right away and tell you what the issue is and unblock your card the same day. This company could not and would not. I take XXXX XXXX  and I am a XXXX. I need my paycheck not only for bills but for my medication. They are keeping over {$3000.00} of my money to pay for a small negative balance which has been paid off according to the customer rep. So why are they keeping my money through a holiday weekend. This is unacceptable and should have been fixed the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX/2017. 

US Bank has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called US Bank and disputed with the credit bureaus repeatedly without their taking any action to help me. 

US BANK account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Product: Credit card

I have made sure to pay this account on time consistently, avoiding any overdue payments. I don't understand why late payment remarks are appearing on my accounts. Based on 15 USC 1666b, billing errors should be corrected.
Product: Credit card or prepaid card

I was given 2x {$25.00} Vanilla Visa Gift Cards last XXXX with expiry dates of XX/XX/23 so didn't think there was any rush to use them. I went to purchase something for {$25.00} yesterday and it was declined. I thought perhaps I had to do something with then first so went online but didn't have the info needed so rang them. They informed me that both cards are worth {$15.00} now because they have been taking fees of {$2.00} per month from the XXXX month after the purchase date. Heaps of people are being caught out by this. It is disgraceful.
Product: Credit reporting or other personal consumer reports

Recently, I did another investigation on all three credit report ( s ) which caused severe XXXX, XXXX, stress and trauma upon me and have still found unverifiable, invalidated, inaccurate, and questionable items that their agency didn't make sure was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies are still stating that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies still showing on my report? ACCOUNT ( S ) ARE AS FOLLOWS : Account name : XXXX/ DEPT OF ED Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, IN ACCORDANCE TO FCRA LAWS the above, 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 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

I tried to pay my patientfi debt off thats when they told me my loan went to XXXX XXXX XXXX, I started contacting them for about a week starting XX/XX/XXXX. My means of contact were via phone calls. I have called numerous amounts of time and have left multiple voicemails just trying to pay my debt. No one has contacted me back. I do not know my total amount due or even my account number.
Product: Credit reporting or other personal consumer reports

Midland Credit Management is furnishing an account on my credit report that has not been validated by the original creditor. Furthermore, this debt is uncollectable, and this account is to be removed from my credit report within XXXX business days. The statute of limitations in the state of Texas is 4 years and should have been ceased as of XX/XX/year>. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.
Product: Credit card or prepaid card

Aspire is a credit card with XXXX I was laid off and I had signed up with credit protection with them. I filed my claim they told me I didnt file it right when I did it took them a long time to answer then I got a letter in the mail they dont want to pain the Clain I was to late. They have hurt my credit so t want to help have XXXX customer service everyone is XXXX XXXX and no one really to talk too. It has been a hassle and I need an advocate
Product: Mortgage

I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage payments. This is regarding XXXX XXXX XXXX XXXX WV XXXX. 

My financial hardship began on XX/XX/XXXX when the state of XXXX WV saw a huge increase of COVID-19 cases due to the nature of my work, which I work for a XXXXXX/XX/XXXXin the XXXX  XXXX  handling money and dealing with customers our Department was minimized and hours and wages were cut. Our facility ended up closing due to stay at home orders, during this time my wages stopped I was not able to pick up any shifts and was not able to work any overtime not only did my mortgage suffer but all my other bills as well I struggled just to put food on the table and keep my lights on. 
Once I returned to work hours and wages were not the same as we were still struggling with COVID-19 making the changes at work was not easy and staff was placed at 50 % occupancy with many departments including cash cage closed this limited the amount of hours available and since I am in the percentile of possibly catching the XXXXhours were given to the younger staff. 

I submitted to SPS several times trying to seek loan modification assistance but SPS continues to decline any assistance. 

Most recent I submitted on XX/XX/XXXX to SPS faxing all required documents as stated by an SPS loss mitigation officer for assistance. On XX/XX/XXXX when I called to get a status update a representative for SPS stated they will not review my documents since can not reduce the payment to an affordable amount, keep in mind I am currently on a 12.5 % rate and only owe XXXX on my home I feel that SPS has plenty of ways on assisting me to get back and current but I feel that they are only interested in my home! 

They have not stopped any foreclosure on my home while I work with them for assistance, I feel that this is in violation of my home owners bill of rights but as stated on the CFPB also Dual tracking, I've asked SPS on several occasions who is my contact there but they have never assigned any specific person to hear me our or to work with me. I need help! 

If SPS had no intention on properly reviewing my documents, then why when I called in to request help they advised me to fax in all documents just to deny me. I think SPS is trying to strech out time to allow me to fall more and more behind just to foreclose on me.
Product: Checking or savings account

Bank with PNC, at XXXX XXXX XXXX  XXXX XXXX Ca XXXX, Fraud Contact number for PNC XXXX on XX/XX/22 I logged into my on line banking to pay bills and transfer funds from one account to my checking account, my account that i use as personal savings was missing over {$4000.00}. It showed that a check for {$4000.00} cleared out of my account on XX/XX/22, when i opened the cleared check, it was a check from a woman named XXXX XXXX XXXX, where she wrote a check to herself for {$4000.00}, I call the bank the next day thinking it was a teller error, for i don't have checks on this account and I am not XXXX XXXX XXXX, the bank later called me said i was a victium of Fraud, someone made this check. The bank closed my account, open another. I went in to the bank the following day to follow up on the process, what to do next, I filed a police report. The bank manager gave me very little information, just that investigation take 120 days and that I will not have access to my money until they are done. I can't pay my bills, I can't get a hold of the Fraud Department to get a update, they provided me a fraud department phone number that only take voicemails and no one calls me back. I have taken the rest of my money out that bank, went to another bank, did not want to loose anymore money, I am having difficulty paying my bills, and have no communication with what is going on, or what the hold up is on this investigation. The bank manager was rude as I was insisting more info, says that Fraud department is taking care of it, the Fraud Department that I can't reach a person. I tried to contact Corporate, there is no contact number for them, only a customer service number, which i called all they did was noted my file. It has been 1 week, I don't have access to my money, I don't have contact person to follow up on, I feel doubly violated, want clear time line, expectation and status of my Fraud Claim. {$4000.00} is lot of money to with hold from a consumer with no contact person to have communication on status. Please help, i need a voice. Police Report Fraud # XXXX with XXXX XXXX from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX # XXXX
Product: Credit card or prepaid card

Re XXXX I have uploaded copies of credit report from XXXX and XXXX showing proof that you didnt enter consumer dispute meets FCRA requirements the law is clear you must and shall do this or this information has to be deleted. See dates at top right hand corner of each reports for both accounts chase I have more credit reports that goes back to XXXX Please see XXXX  XXXX  and XXXX XXXXeports for physical proof and violations. I dont want to take legal actions but I will because you have violated the law and I will refused for you to hold my head underneath the water any longer Im sorry but true
Product: Checking or savings account

Applied for Paycheck Protection Program loan with XXXX and PNC would not allow link to my account for deposit.
Product: Debt collection

Portfolio Recovery Associates and I have never entered into any contractual agreement. They are/and have been attempting to EXTORT me out of a FRAUDULENT debt of {$710.00}. Again I have never did business or entered into any contractual agreement with this company neither any of there associates. As a Result this company has been Bullying, Harassing and THREATENING me and my family on the phone, aswell as damaged my credit report with this FRADULANT charge.
Product: Checking or savings account

Bank of America double charged me XXXX dollars multiple times for having insufficient finds in my account. The bank increased my credit limit to XXXX dollars without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the XXXX credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

Experian first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX XXXX XXXX. I also informed the Experian reps that I was not able to reach a support person from XXXX XXXX / XXXX with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The Experian agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, Experian 's online system for submitting paperwork ( www.experian.com/upload ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND XXXX XXXX XXXX but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX Bank and they were also not able to reach a person by calling in. 

XXXX / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And XXXX XXXX CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.
Product: Credit reporting or other personal consumer reports

When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.
Product: Checking or savings account

I have XXXX  bank for both personal and business. Separate accounts but there have been multiple times where my clients have tried to send me money but the Zelle app wont let them because its a business account. Sometimes it wont let them because there bank has had problems with Zelle in the past, complaints about not getting the money and not honoring refunds. Over the years and thru many failed attempts and not wanting to hold my client for an exorbitant amount of time because we cant get the Zelle to work or the client is now scared to use this for form of payment Ive had some of them send a dollar first. Its ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is the third time in two weeks this has happened. I put a stop payment for XXXX and the funds still came out of my account for $ XXXXand I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Product: Checking or savings account

THERE WAS A BANK ACCOUNT OPEN AT XXXX BANK IN MY NAME THIS WAS NOT ME AND I SHARED THE INFORMATION WITH THE BANK BUT THEY STILL HAVE IT ON MY RECORD AND FORBIDDING ME FROM OPENING UP A BANK ACCOUNT THEY SAID IT WAS OPEN ONLINE BUT I NEVER OPENED A ACCOUNT ON LINE THIS INFORMATION IS INACCURATE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute 2 accounts I have listed that appear on my credit report that are too old and show a date of last payment as XX/XX/year>. 
The Law states the Date of First Delinquency is the date that triggers the 7 year period for an account to be removed from a credit report. 
Therefore, the Date of Last Payment showing XX/XX/year> clearly proves that the 2 accounts listed below should be removed immediately because they are too old to be reporting after the 7 year period in accordance with the Fair Credit Reporting Act. 

XXXX ) XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, in advance I am officially requesting a Description of the Procedures used to verify either one of these accounts that are cerified/ updated and are not deleted. I would need the names, addresse ( s ) and telephone numbers of the person ( s ) that you spoke with. I make this request in accordance.with FCRA 15 USC 1681/ FCRA 611. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/year>, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/year>, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/year>, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.