23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank. 

Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint. 

The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation. 

After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place. 

I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.
Product: Money transfers

PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXL XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1600.00}
Product: Debt collection

This account has been opened numerous times by this agency for a reported past due amount of {$100.00}. Multiple times this account has been removed, as it is not valid information, nor is it linked to any current open accounts. At this point this account has been opened fraudulently and does not belong to me. The most recent date is as of XX/XX/2023. No accounts have been authorized by me by this agency.
Product: Credit card or prepaid card

This account was closed without my knowledge.I did not want it closed. I now have been notified that my limit on the card increased from {$1200.00} to now {$1700.00} which it was originally and is now open on my XXXX  report. I have attached photos of what I see.
Product: Debt collection

I've sent multiple dispute notices in good-faith instructing ABSOLUTE RESOLUTIONS INVESTMENTS to remove the inaccurate information being furnished on my consumer report ( s ) and shared to thirdparties without my consent, which have been ignored.On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX sent me a pile of statements received from the alleged creditor as proof that I owe your Company a debt but a copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account as per 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This notice is to inform you that the information being furnished on my consumer report is a result of identity theft. Any collection attempts against me without properly validating the alleged debt ( s ) constitutes as harassment and defamation of character creating a false public record by use of mails and wire communications, with intent to to obstruct lawfully communicated information, and are subject to to liability for damages, as well as statutory damages, including any and all legal costs, or fees incurred for each violation. 

Please see attachment ( s ) for further details.
Product: Mortgage

The company provided me my asset-backed security and not the Indenture Agreement with all supplements and amendments, Indenture Trustee and Trustee name and contact information to include mailing ( street address ) information. The Trust Act of 1939 requires that this information be provided if requested by a note or bondholder of an asset-backed security. They closed the complaint without providing the requested information. Please provide what I requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXX XXXX, Account name : USBK Court XXXX Georgia # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Mortgage

My loan was recently transferred from XXXX to Loan Care. But I've noticed a serious discrepancy that needs to be corrected ASAP. 
XXXX XXXX Number XXXX Loancare : Loan Number XXXX The balance that should HAVE been transferred from XXXX to Loan care should have been {$430000.00}. But Loan care shows that the transferred amount was {$440000.00}. Please fix this ASAP. I've made a payment in early XXXX XXXX to XXXX. But Loan care shows the payment date as XX/XX/16 and the current balance shown by them is not accurate. It should have been {$430000.00} from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT CERTIFIED LETTERS ON  XXXX  DIFFERENT OCCASIONS TO ALL CREDIT BUREAUS (  XXXX , EXPERIAN AND  XXXX   ) IN REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND M Y NAM EIN DIFFER ENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XXXX    , XX/XX/XXXX  THO SE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  ONE ACC OUNT FROM TEXAS BUT  LEFT ANOT HER  ONE IT  ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may co ncern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to t he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispute d information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
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 XXXX5 USC 1681. 
Account name : # 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.has violated my rights. 


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, credit repair services, or other personal consumer reports

I do not have any CONTRACT or Ties to These Companies reporting on my credit profile or The alleged DEBT that they are reporting to my credit profile. I've sent disputes after disputes to all credit. Reporting agencies as well. I hope you can understand this is violation of my rights according to the F.C.R.A 15 u.s.c 6802 15 u.s.c. 1611 15 u.s.c 1601-1602 15 u.s.c 1605 15 u.s.c 1681 15 u.s.c 1692 ( c ) ( e ) 8
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX sent a remittance back in XXXX to XXXX, where the person over there never received it, I used the SIGUE company through the agency XXXX XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and I am not the only one with this problem there are other people involved, I been going to XXXX XXXX XXXX day after day and they are the ones who said that SIGUE will send me a check through mail in 15 days and it's been over a month with no luck, I have never talked to a SIGUE clerk everything has been with someone in XXXX XXXX. All I want is my money {$1200.00} account # XXXX
Product: Debt collection

Please, send more detail information about this debt. This is the first time I have knowledge of this debt from XXXX XXXX ( {$990.00}, date XX/XX/, no action was done because no knowledge about this debt.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions.

Thank you for your immediate attention to this serious issue.
Product: Credit card or prepaid card

On hold in excess of an hour only to be hung up on every time. Has happened ten plus times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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.

This same account is also reporting inaccurate information. Both credit agencies are reporting different account opening dates. Different months in which the account was paid. There is a discrepancy in the account status between one agency and the other. This violates my rights and this is inaccurate information. Also, my husband 's report for the same account has totally different information.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information :
Product: Credit card or prepaid card

I have contacted Chase XXXX first asked them to opt me out of increase of APR from increasing. They denied me. Then I asked them to help me decreasing my APR, while I try to save my mom 's life from XXXX, and they are not able to assist me. Chase wants me to go past due before they will help me. I told chase I am going to XXXX to say good bye to my mom, and coming back to refinance my house to pay them off, and they can care less. They want dings on my credit, so I can be denied my refinance. They are going to force me to file for bankruptcy and I DO NOT want to do this. Please help me during this struggling time. 


XXXX XXXX
Product: Credit card or prepaid card

I made a XXXX dollar payment on XX/XX/2020 and a XXXX dollar payment on XX/XX/2020 to my Capital One Credit Card to allow for more spending on my limit for a planned trip. The Payments was made from a Capital One Checking Account and was withdrawn on the same day as the added documents will show. I called the customer service number and even spoke to the supervisor and they said it does not matter if they have received the funds or not there is a 8 day hold on my payment. So they took the money from my Checking Account that same day and credit my Credit Card account with the same funds and they have an 8 day hold to make sure the withdraw is cleared? I pointed out it was already cleared according to the Capital One online account dashboard and transaction listing. He said he can not over ride it. So where is my money? What are they doing with my funds if I can not have access to the funds? Where is the interest on my checking account for those eight days if they are holding my funds. Capital One is unlike any other bank I have worked with where they put a hold on funds they have already received and deny the customer access to those funds even thou their own system shows it has cleared. I have a {$500.00} dollar credit limit or supposed to. As noted in the provided documents you will see I have a balance on my card of {$270.00} and yet my limit is still XXXX dollars that shows indeed they received the payments.
Product: Credit card

I applied for the U.S. Bank XXXX XXXX XXXX XXXX because of the XXXX bonus offer, which required spending {$5000.00} within 90 days. I carefully tracked my spending and spent {$5000.00} by the deadline. However, my bonus miles were not awarded. 

On XX/XX/year>2025, I contacted customer service to inquire about the missing bonus. I was then informed that two transactions were excluded from the spending total because they are considered as a refund : 1. A {$120.00} Global Entry application fee, which was reimbursed as a statement credit under the cards benefits.

2. A {$45.00} partial refund, which I unexpectedly received due to an event cancellation.

Regarding the {$120.00} Global Entry fee, this was not a refund but rather a benefit reimbursement, which was applied later as a statement credit. Since this credit did not reduce my out-of-pocket spending, I had no reason to believe it would be excluded from the spending requirement. The terms did not clearly state that a statement credit reimbursement would not count toward the spending threshold.

Regarding the {$45.00} refund, I had booked an activity event, but due to weather issues, the event could not proceed as planned. The company later apologized and issued me a {$45.00} partial refund as compensation. This refund was completely unexpected and out of my control.

There was no clear disclosure in the terms that a statement credit reimbursement or an unforeseen refund would be excluded from the spending calculation. If I had been aware of these exclusions, I would have adjusted my spending accordingly.

Additionally, I learned that some cardholders in similar situations have received exceptions and still received their bonuses. However, when I contacted customer service, they told me that no exception could be made in my case.

I find this policy misleading and unfair, as I technically met the spending requirement but was denied the bonus due to unclear exclusions. I would like U.S. Bank to reconsider awarding the XXXX bonus, as I applied for this card based on this advertised promotion.
Product: Mortgage

Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.