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

In XX/XX/XXXX I opened a savings account with {$500.00}. I was told that as long as I keep over {$500.00} in the account, I will not be charged any account fees. Documentation such as the monthly statements support this. 

In XX/XX/XXXX Fifth Third Decided to call my account " Dormant '' and charge a {$5.00} fee each month. No communication of this change was ever made. My email notifications on their website were mysteriously turned off. No notification in through mail was made until XX/XX/XXXX. At this point I was charged {$45.00} in total without being told. Their website blocked me out from accessing the account because of security concerns. 

I visited a local branch and was told I could deposit more money to remove the dormant status, but could only refund {$15.00} of the total. As I only had {$20.00} to deposit, I am now facing a XXXX XXXX monthly account limit for having under {$500.00} in the account. 

Fifth Third Bank deliberately moved my account to " Dormant '' only to get me under the {$500.00} account limit and to continuously charge me until my account was empty without any notice. The fact that my online account was set to not notify me was not an accident. The letter sent too late was also deliberate and unfair. 

The refusal to give back any fees to get me over {$500.00} was probably done in order to continue making me pay a different account fee. 

This was not a mistake from the bank but rather done with malicious intent in order to extract all possible funds from my account. I do not believe I am not the only person that has this happened to them. 

When opening the account and in each statement, I was told there would be no fees if the account was over {$500.00}. This is not what has happened in practice. Fifth Third did not follow what I was told.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

This is intended to provide documentation on a prior complaint, # XXXX. 
The company provided false and misleading information in its response, By which it claims it was never contacted prior to issuing my complaint with the CFPB. And also I requested that Barclay cancels that credit account in which I dispute a travel plan with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURCHASED XXXX USED XXXX XXXX XXXX FROM US AUTO SALES IN XXXX GA, XXXX 2014. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO XXXX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR US AUTO SALES IN XXXX GA. I AM XXXX US XXXX AND XXXX VET. HAVING XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.
Product: Debt collection

I have 2 negative accounts from XXXX XXXX that have been sold or given to a collection agency. Holloway XXXX XXXX. One of the 2 is where we broke our lease when my husband was relocated to XXXX from XXXX. This one I knew I would owe but the other one is a the home we lived in prior to that one and we did not break the lease or damage anything. They stated they are charging us for clean up but they also kept our deposit and it should not take {$800.00} for clean up. We also upgraded light fixtures and put in ceiling fans and did not request payment for those. The lease we broke, I was charged for marks on the walls even though I did repair them. I repainted in the paint left by them but they still said it was not clean enough even though I had a professional cleaner come in. I was never notified of these bills or allowed to dispute the amounts. They suddenly appeared on my credit when I went to apply for a mortgage. I did call and ask for a settlement amount to just take care of it but they will not return my call. The collection agency said that XXXX has to approve it. XXXX XXXX knows nothing when I call them. They are not giving me any means to get this corrected or working with me on this. I called them on XXXX the XXXX and they said that XXXX had 15 days to get back to them. The 15 days would have been XX/XX/XXXX. I ask if it was just business days and they said no, just calendar days. My husband started calling back in XXXX and they gave him an amount to pay that was 50 % of the bill but when I called they said it wasn't approved and no one would have told him that. I just need a means to correct this since no one seems to be responsible for it but yet they were quick to put it on my credit negatively!
Product: Credit card or prepaid card

I OPENED THE ACCOUNT IN FALL OF 2021 AND USED THE CARD TO MAKE A PURCHASE. THE BILL CAME AND I PAID IT IN FULL ON TIME, JUST LIKE ALL OF MY OTHER CREDIT CARDS. DUE TO THE XXXX HOLIDAY, MAIL IN XXXX WAS RUNNING LATE AND MY PAYMENT WAS RECEIVED LATE. I WAS CHARGED INTEREST/LATE FEE/PENALTY. I CALLED TO COMPLAIN AND GET A ONE TIME COURTESY REMOVAL OF INTEREST/LATE FEE/PENALTY. THEY SAID THEY WOULD TAKE CARE OF IT. HOWEVER, ON MY NEXT STATEMENT, NONE OF IT WAS REMOVED AND I WAS CHARGED EVEN MORE FEES/PENALTY/INTEREST. I CALLED TO COMPLAIN AGAIN AND ALSO CANCELED THE CARD. AGAIN I WAS TOLD EVERYTHING WOULD BE ZEROED OUT. AGAIN, ON THE NEXT STATEMENT IT WASN'T. NOW THEY REPORTED ON MY CREDIT REPORT! PLEASE HELP!! I PROMISED TO NEVER SHOP THERE AGAIN!!
Product: Debt collection

I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXX finance # XXXX XXXX Consumer Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer report furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer end credit plan as late for any purpose.
Product: Debt collection

A company called XXXX XXXX XXXX is appearing on my credit report in the amount of {$660.00}. I do not have any business with this company nor do I have a contract with this company. They are not allowed to attempt to collect the {$660.00} that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling on phone and entered number for a call back and they seem to never call me back during business hours. I even called and waited on hold for over an hour and still didn't speak with no one and this was after I took the steps requested in their portal. I even sent them the proof in an email but still no response from them.
Product: Credit reporting

This information is incorrect pleas remove it asap DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years 2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$2700.00}
Product: Credit card

I have a PayPal credit account with a high credit limit of XXXX dollars and balance of XXXX. It has been paid as agreed and has had heavy activity as its li ked to my XXXX account. They closed it would not tell me why. The rep stated they would reapply to reopen and was eager to disconnect the call. I called daily and no record of application. My inquiries show one was done. However they have not sent an approval or denial letter nor do they acknowledge it. I have been a great paypal credit customer and coincidentally they closed it about the time the 26.99 APR kicks in on the outstanding balance. 

It has impacted my business I can't buy inventory and have zero communication with XXXX. They simply pass it off to a hold never pick up or say we have no record. 

I believe they as also I'm on XXXXXXXX XXXX  have violated my intent and right to fair reporting of credit activity.
Product: Student loan

I took at a private loan for XXXX XXXX University in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. I downloaded my transaction history from the website, I also asked for a transaction history to be mailed to me. Once I received both, I compared everything line for line and even double checked the payment history that I have saved. 

When reviewing the information, ever line matches with the exception of one thing, the portion of my payment labeled ( interest ) doesn't appear to be applied any where. Below is the details of the very first payment I made : Date - XX/XX/XXXX Description - Payment Principal - ( {$6.00} ) Interest - ( {$51.00} ) Fees - {$0.00} Total - ( {$58.00} ) The transaction history shows that the Disbursement amount and fees totaled - {$8700.00}. On the following dates Capitalized Interested was added to my balance XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$530.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$5.00} Bringing my balance due to {$12000.00}. Now it is my understanding that this amount includes the dispursed amount and capitalized interest. If that's the case, why after I made a payment of {$58.00}, did my balance only decrease by {$6.00}? If you remember the payment was divided into principal and interest. Where was the other {$51.00} applied? In every payment instance the amount labeled 'Interest ' isn't applied to anything. 

When I brought this to Navient 's attention, now I'm being told that I was given a complete transition history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted XXXX XXXX XXXX asked to remove unauthorized inquiry off my credit report and was told to write a letter I informed them it may be in result of fraud
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian has refused to remove the inaccurate information on my report. by law under 15usc 1681. report agencies accurate and correct information and since Experian refuses to remove the incorrect accounts. this is a violation that XXXX per account which is listed below. You will notice that the same accounts report on all three bureaus and all have different account numbers. a direct violation. I have attached copies of my reports from Experian, XXXX, and XXXX. I asked that either the items be deleted immediately or pay the XXXX per account which is inaccurate. These actions by the reporting agencies have lowered my scores and prevented me from qualifying for a VA home loan. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX
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 U.S.C 1681. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety.
Product: Mortgage

My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.
Product: Credit reporting or other personal consumer reports

REMOVE THIS ACCOUNT ITS BEING REPORTED INNACURATELY. I HAVE REQUESTED THE 1099C AND NOONE RESPONDS.

15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} {$1900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1900.00} {$0.00} {$1900.00} Credit Limit : {$1000.00} {$1000.00} {$0.00} Past Due : {$1900.00} {$1900.00} {$1900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My husband and I found a property that we wanted to rent for the month of XXXX. It was {$4000.00} for the month. We sent the initial deposit through Zelle. We were informed that they were only approved for {$1000.00} per day so we sent consecutive {$1000.00} transfers. On XX/XX/XXXX we were asked for the final {$2000.00} which was due XXXX. They said they would send the codes to open up the house. When I hadnt received those after 2 days, I questioned it. They replied I owed another {$500.00} for pool cleaning and electricity. I was very XXXX, told them I wanted to cancel the reservation. Was told okay. Expressed I wanted my money back. They informed me they couldnt send it via Zelle, since the money went to their grandsons account. As I pressed for the return of my money, they told me that I could go to the bank, get a XXXX with {$1000.00} on it and they would return it for a total of {$5000.00}. I was born at night, but not last night. At which point we realized that we were out of that money we had been scammed. Zelle made it very easy to be sucked in. 
This is where the money was sent : Zelle XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have asked this company to verify the debt with a dispute letter sent on XX/XX/2018 and they have not responded. I would like to have this deleted from my XXXX  and XXXX credit reports for lack of validity.
Product: Mortgage

I am filing this complaint against Planet Home Lending for their refusal to issue Form 1098 ( Mortgage Interest Statement ) for the tax year XXXX. As an XXXX service member in the XXXX XXXX XXXX stationed in California, I exercised my right under state and federal law to defer my mortgage payments from XX/XX/XXXX to XX/XX/XXXX due to XXXX military service. Despite paying my mortgage from XXXX to XX/XX/XXXX, and thus paying well over the {$600.00} federal reporting threshold for mortgage interest, Planet Home Lending has informed me that they will not issue my Form 1098. This refusal violates federal tax law and my rights as a service member under federal and California law.