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

I opened a checking account with Fifth Third Bank on XX/XX/XXXX and deposited {$250.00}. The bank was running a promotional offer which would have give me {$250.00} if the money was held for a certain period of time ( 60 days XXXX. Last week XXXX on XX/XX/XXXX or XX/XX/XXXX ) I called the bank to check if I had received the {$250.00} that was promised as part of the promotional offer. To my utter shock and disbelief, the bank said that my account had been closed because it had a zero balance for too long. When I questioned the bank regarding my deposit, the bank said that there were some transactions that used the debit card. Here are some of my key points XXXX. I had never received or activated my debit card. This is a case of my money fraudulently withdrawn from my account. 
2. The bank did not have the courtesy to inform me that they were closing my account. 

If you are wondering as to why I did not approach to resolve the problem with the bank then please see this below. My adult son XXXX XXXX XXXX - same address as me ) used to have an account with Fifth Third. All of his monies were ALSO fraudulently withdrawn from his Fifth Third account without his knowledge. He too never received or activated his debit card. XXXX ( my son XXXX received a treatment from Fifth Third that was less than respectful and he had to waste several days/hours for his monies. The bank kept saying that he had withdrawn - which was highly insulting & accusatory. He had to have many conversations with the bank and also had to file a police report. The bank did not want to assume any responsibility. He too filed a CFPB report XXXX # XXXX ) - which was eventually resolved. The truth is that Fifth Third has demonstrated lack of internal controls when it comes to managing new accounts. Two accounts in the household are now victim of their negligence. I DO NOT want to go through the same awful experience that my son did and I am requesting CFPB to help me here.
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 XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

The information being reported on my consumer report is inaccurate. The account information including the balance for XXXX XXXX is incorrect. I need this updated to the correct information immediately!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, XXXX. **Account Information : ** - Account Name : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the Equifax data breach. I keep letting XXXX, XXXX, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : AR CHILD SUPPORT - XXXX XXXX XXXXXXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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: Credit reporting or other personal consumer reports

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all 3 credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Product: Debt collection

I have been receiving phone calls from 4 companies that have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Product: Money transfer, virtual currency, or money service

After discussing inconsistencies in previous communications with a PayPal representative, she reopened my case and sent me an email confirmation as requested. This action was essential due to varying responses from different representatives, where one would promise to reopen the case and another would deny such commitments were ever made. I was instructed to wait XXXX to XXXX days for XXXXXXXX XXXX to respond so that PayPal could proceed with the refund. 

Despite being entitled to a refund for a transaction involving an item I never received and was canceled, I faced further delays. PayPal suggested that the responsibility was now with XXXX XXXX, despite having received confirmation that the bank had closed the case in my favor. This ongoing issue reflects PayPals unclear transparency and unjustified decisions, indicating a potential disregard for consumer rights and a focus on financial gain from larger transactions. This situation raises serious concerns about PayPal 's integrity and requires a thorough review by the Consumer Financial Protection Bureau to ensure they adhere to proper policies for processing transactions as a financial intermediary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten in to the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I've contacted XXXX XXXX XXXX on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$470000.00}. I've never signed a contract with XXXX XXXX XXXX and I've never done business with them. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked XXXX XXXX XXXX to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature because this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Product: Credit card

On XX/XX/year>, I called in to clear my accounts balance as there was a glitch to pay my credit card. The agent on Elan Financial service calculated a lumpsum and I authorized the payment over the phone. I thought my account was cleared. But today I was checking other issues on Fidelity ( Elan was processing credit card for them ). I was shocked that my card have {$20.00} charges. After calling them, I was told that there was {$3.00} unpaid amount for my XXXX payment. But I was asked by their agen to pay about {$280.00} to clear balane on my account. The number I need to pay to clear my account was provided by the agent from Elan Financial Service, who acutally did the math WRONG. Now I have to pay for their mistakes, which growed 4 times for just 1 month. Having called them but they refused to accept their obvious mistake and blame me not looking my estatement for the past month. I did not use that credit card and thought I had a peace of mind, but Elan growed {$4.00} miscalculated payment into {$20.00} over 1 Month is astonishing. Given the amount of services they did on behalf of Fidelity etc, I realize Elan could have made a lot of money in this way by " unintentionly '' miscalculating the lumpsum balance to pay. 400 % growth over a month is really astonishing, which I thought goverment shoudl have oversight on it as well. 
I did not know this kind of company that claimed to serve over XXXX institutions according to their website info https : //www.elanfinancialservices.com/credit-card/about-elan.html
Product: Credit card

I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries unknow thief incorrect important information
Product: Debt collection

I noticed a collections account on my report. I have disputed it multiple times and it has been removed from all but one bureau. I sent a Debt Verification letter directly to this company on XX/XX/year> and only received a response that I would need a lawyer to receive that information. This is illegal!!!!
Product: Vehicle loan or lease

The company Prestige Financial is the company in whom I have a vehicle loan with. The loan is due on the XXXX of each month with a 10day grace period, which then will accrue a late fee after the XXXX of each month. I get text messages from them 2 days prior to the due day and every day 2 and sometimes 3 text  message a day inquiring about when can they expect payment. If I have ever been in a financial situations I have always communicated with them but to send message after message and say things like I don't know why you will not communicate and I have not even completed the grace period. I has just become overwhelming at this point.
Product: Checking or savings account

Opened Citi checking account on the XXXX. Deposited {$15000.00} from my XXXX account and additional funds from my XXXX XXXX account. I made several payments, which were pending, and suddenly the day after scheduling and making payments, Citi closed my account. I was locked out of my account, could not obtain any information, and could not access my funds. Rather than allowing me the decency of knowing why it was closed and allowing me to withdraw the funds, Citi 's " back office '' closed the account without notification. I called customer service and spoke to account supervisors. None could describe the reason, nor answer questions about pending payments. Just that I would receive a letter in 30 - 60 days and a separate check in the mail of the remaining funds, which I can not verify or crosscheck the information due to being locked out. This is not only an unfair business practice to withhold funds, but it is egregious. I can not pay my bills, access my own money, and I feel helpless to do anything. It is unacceptable.
Product: Credit reporting or other personal consumer reports

I have found mistakes on my credit report that fall under 15 USC 1681c-2. These hard inquiries were made without my authorization and are affecting my credit score. Please remove them promptly.
Product: Credit reporting

As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX bought a charged off account from XXXX XXXX XXXX and contacted me and offered me to " pay to delete '' the account. I paid it and the account was never deleted, XXXX XXXX XXXX stated that XXXX XXXX XXXX did not update the information with Experian Credit Bureau and so they do not have the ownership necessary to delete it, the previous owner of the account XXXX XXXX XXXX stated that there is nothing they can do about it. 
XXXX XXXX XXXX provided me a letter stating that the debit is pad and the account should be deleted. 
I submitted this letter to the XXXX credit bureau and they deleted the account in two days. 
Please find the letter attached
Product: Debt collection

The company contacted me to say I had a past-due balance, although they would not state to what company the amount was owed. I requested a copy of any invoice or contract. The documentation they provided was a contract for credit card processing services for my business, however, neither company on the form handles my payment processing. I have no business relationship with either business on the form. They also provided invoices from a processing company which show no transactions occurred with this company, thus the company did not process any transactions for my business. 

The contract is dated XX/XX/year>, which is significant in that I had just experienced check check fraud prior to that date. A check was stolen, washed, and someone attempted to deposit it fraudulently. The contract provided by Caine Weiner has the same bank account number as the stolen check, however, I had closed this account a couple of weeks prior to the contract, due to the fraud ( at the bank 's request ). If I were truly signing a contract for new credit card processing services, wouldn't I use my new, current bank account number? Further, the signature on the contract is not mine and looks to be a poorly attempted forgery. I did not complete or sign this contract, it is a complete fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : 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

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

I purchased an XXXX XXXX XXXX XXXX service in XX/XX/2018 I was told it was much better than my current service I was told I would get free installation and it was to be way cheaper and faster than my current service. Come to find out it was slower so I canceled I used the service for about 30 mins they told me I may receive a bill for the service which I was aware of I received a bill for XXXX $ I called the company they told me not to worry about it because they were going to credit the account since I canceled service within the writing amount of time for cancellation. I was told to disregard the bill. I did just that. Months down the line I moved and I received a new bill at my new address I called again they told me the same thing disregard the bill that there was a credit places on the account. A few more months I got another bill I called again they sent me to a credit service n told me to email them that they didnt know why Im still getting a bill I spoke with sunrise credit emailed them and was told to wait 6 weeks and I never heard anything back. I want to complain that Im being harassed by XXXX XXXX XXXX  for a bill I should have never received. So now my credit score has gone down a significant amount Because they have places a collection on my credit report and it is getting in the way of me buying a home
Product: Credit reporting or other personal consumer reports

I was impacted by the XXXX data breach, these items do not belong to me and have negatively impacted my credit. 

1. XXXX XXXX XXXX- Opened : XX/XX/2018, asked both the company and XXXX to investigate and remove the account with no response from either. 
2. COMENITY BANK/EXPRESS Opened : XX/XX/2018, asked both the company and XXXX to investigate and remove the account with no response from either.