23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them. 
A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below. 
VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).
Product: Debt collection

haven't sent any paperwork that shows I owe the debt or provide anything with my signature.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX through American credit acceptance and I was told at the dealership my monthly payment with my credit score would XXXX but offered a credit protection on maintenance which made the total monthly XXXX a month. After the maintenance protection fall off my payment should have been XXXX but they said I have to now pay the XXXX for the remainder of the 72 month loan. 
The car was XXXX I was charged XXXX for 72 months at 28 %. I paid XXXX towards the car. I then asked to refinance I was told no. They had me trapped in this bad loan and I asked if I can voluntarily return vehicle because I can no longer afford this rate. They came repossessed the car for non payment. This is fraud.
Product: Checking or savings account

Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, DC XXXX Dear Friend ; It has been approximately 45 days since I requested Bank of America to close my account due to expected fraud. A contact with a Bank of America customer service representation concluded with a promise that Bank America would contact me and establish a new account and transfer my banking relationship to that account. This had not occurred. In fact, I have been denied transaction use of the account since. However, I continue to receive low account balances and other info for an account that I can not access. 

I am also requesting the review of the long wait time for Bank Of America Customer Service. 
Recently I was on hold for approximate 90 minutes before giving up. Hi was after two other waits and a called. 

I would also like to bring to your attention to XXXX XXXX. After my XXXX mortgage was transferred to XXXX, I am required to pay $ XXXX for each online monthly payment by phone. 
XXXX states that they will remove the cost if I open a XXXX bank account. As a former Federal Reserve Bank examiner, I know that the bank account would generate hidden balance cost and other undesired inconveniences. This practice is a violation of fair access nad any life based minimum service. 

My third concern is with XXXX XXXX. After applying for an auto loans, I was informed that I was required to purchase an auto from a XXXX XXXX recommended auto dealer. This type of bank tie-in appears to be a conflict of interest for XXXX XXXX which I assume is receiving economic benefits from the dealers. I consider this a form of predatory lending and a violation of fair credit. 



Sincerely, XXXX XXXX, XXXX
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
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 : Account NumberXXXX Account NameXXXXXXXX XXXX XXXX  : Account NumberXXXX Account Name : XXXX : Account NumbeXXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

On XX/XX/year>, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XXXX I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this account is not showing up late on my XXXX report, just my Equifax and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's poor security practices lead to the public disclosure of my personal information as part of a security breach that affected millions of people. Equifax failed to properly notify me of this breach ; after waiting approximately a month they only reported the breach through a press release and made no attempts to notify affected persons directly. Equifax is offering a credit monitoring service to affected persons, however acceptance of that offer affects your future legal rights.
Product: Checking or savings account

Was running a little low going into the week of XX/XX/XXXX. Knowing pay day was coming XX/XX/XXXX, we logged into Truist app and turned overdraft protection on for our Checking account. The Truist Credit card used for this protection had {$900.00} credit available and in good standing. Just paid an {$89.00} annual fee on it. Next day, we get hit with an overdraft fee as the electric bill auto drafted. Next day the phone bill drafted and insurance payment so two more overdraft fees posted. Went by the XXXX, VA branch and the teller XXXX apologized and fixed it in their system. Next day we get hit with two more overdraft fees for more bills being auto drafted. We were paid and now have a good margin in account but called Truist today to ask they fix the issue and credit 5 overdraft fees of {$36.00} dollars. You can request the recording of the phone conversation today at XXXX XXXX  - XXXX XXXX XXXX. The representative today on the phone offered a courtesy of {$72.00} dollars as the credit card team told her theres a 7-10 day wait period to tie accounts to each other. She could not credit the entire {$180.00} after I asked several times. I let her know we would file with the CFPB but I was willing to speak to a manger. Im not sure she understood what I was asking. The app did not disclose this wait time to us, neither did the teller at the bank. Both accounts in good standing. We ask Truist to credit these 5 fees immediately. We will be looking for a new bank if not. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! This was my fourth complaint to follow up the items I requested to be investigated and corrected from my previous filing dated XX/XX/2023. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts needed to be investigate and corrected for erroneous reporting in my file and are listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. The accounts I reported as inaccurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In XX/XX/XXXX, a Bank of America account was opened using my identification without my knowledge or permission with a credit limit of {$3500.00}. This occurred in the State of Maryland, and in the county of XXXX XXXX 's. During this time I was in graduate school in XXXX, Massachusetts and was unaware of the account or its existence. Based on my credit report, the account was positive until XX/XX/XXXX. On XX/XX/XXXX, I received an alert that a " new '' account was added to my XXXX report. When I checked my report, I noticed this Bank of America account. I immediately contacted XXXX to dispute the matter. I submitted a police report and an FTC Affidavit ( notarized ) report. I noticed the account was removed in XX/XX/XXXX and placed back on my credit report in XX/XX/XXXX with a balance of {$6200.00}. 

Since this account reappeared on my credit report, I contacted Bank of America to inform them that I did not open the account and that I was a fraud victim. The transferred me to so XX/XX/XXXX departments, that I am unable to state what specific department was handling the matter. When I did eventually speak to someone, I was told to go into one of their branches to prove my identity, and submit a dispute with the branch. Therefore, I followed their directions and went into the branch, just to be told that they are unable to process a dispute for the account. The branch manager contacted the BOA fraud department to inform them of the matter, but the fraud department did not provide them with any guidance. Thereafter, I submitted another dispute with XXXX ( as it was already removed from the other bureaus ). I received a notification in less than 30 days that Bank of America " Verified '' that the account was mine. I am not sure how they were able to do this since they never contacted me, I was never sent any proof of how the account was open, as I requested the application with the original signature. Additionally, they are basing it off that the account was paid at some point by a XXXX XXXX account ( I've never held a XXXX XXXX account ) and I never made a payment to an account I never opened. 

In XX/XX/XXXX, I once again contacted BOA to inform them that the fraudulent account is still appearing of my credit report and I needed to submit a formal dispute with their fraud department. I was once again transferred to several departments ; I was put on hold for a maximum of 3 hours ; I was then told that they already " investigated the matter, And I have furnished no information to prove who and where the account was opened. Bank of America refuses to conduct a thorough investigation in this matter, and thus causing myself and my family more harm and at a financial risk based on fraudulent use of my identification. 

I asked that your agency conduct an investigation into BOA and their lack of support to resolve this matter and remove the fraudulent account from my name and credit report. I will comply and cooperate/furnish with any information you may need from me to investigate this account with Bank of America. Thank you!
Product: Payday loan, title loan, or personal loan

To Whom it may concern : My first complaint was filed on XX/XX/XXXX. 

This is my second complaint ; about Iberiabank, in XXXX XXXX, Arkansas .Branch Manager : XXXX XXXX I fully cooperated with all the banks requests and conditions to receive the rest of my flood insurance money. On XX/XX/XXXX, my wife and I went to Iberiabank in XXXX XXXX. We gave XXXX XXXX alittle over {$12000.00} in receipts to XXXX XXXX. She then made copies of them and the proceeded to tell us that we should hear something within 24 to 48 hrs. It is now Wednesday XX/XX/XXXX. and I still have n't heard anything. On XX/XX/XXXX I Spoke with XXXX XXXX and she told me that she was waiting for her Inspector to come out and look at the house, and he would n't be able to make it for another week. Which has already caused a two week delay. And still have no word yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX and XXXX credit report but not the Equifax report. I'm certain all the verification information I provided was accurate. The fact that i got the other two is indicative of that. Equifax is putting unnecessary roadblocks to stop consumers from accessing their credit report. Equifax asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format. 

Below is the message I received : Print and complete the Annual Credit Report Request Form. You'll need to mail the completed Annual Credit Report Request Form and a copy of the required documents described below to verify your identity Mail in a copy of one item in each of the categories described below. 
The item you include from the Identity category MUST contain your Social Security number, and the item you include from the Address category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) Please enlarge photo copies of any documents that have small print, such as your driver 's license. Also, make sure the documents are easy to read and do not have highlighting. To avoid delays, keep in mind that if the photo copies are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Mail to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX