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

Fifth third Bank has been completely reluctant in resolving several ongoing issues. In regards to my secured card I did not want to close, I came into the branch and spoke with Branch Manager XXXX XXXX who previously had been one of the greatest banking representative I have ever dealt with. When speaking with Ms. XXXX I expressed several concerns including XXXX XXXX who is the most informal corporate representative from fifth third I've had to deal with. I decided at that point the bank was literally forcing me to close my secured card. Ms. XXXX informed me then that she reached out to her DM and that he gave her permission to close my secured card early from the XXXX dollar deposit I originally made that opened the account. I was informed that the card would be closed immediately with a XXXX balance despite the company refusing to investigate the fraud charges on the account I was not able to dispute due to fifth third Bank making errors and providing misleading information. The bank had not closed the card but rather has left it open so they can charge extra interests and other fees. I did not want to be forced to close the card then when I was told the card would be closed the bank lied and misrepresented itself and left the card open causing me a disparate impact that has left me in a worse ongoing financial and credit standing due to the actions and lack of actions by this bank and it's employees. I am making this complaint for the record since fifth third bank will not resolve the matter I have obtained the appropriate counsel to proceed further.
Product: Bank account or service

I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Product: Debt collection

I received a credit collection notice stating I owe {$530.00} to XXXX XXXX insurance. They were the carrier for my homeowners insurance up until XX/XX/2022. My insurance was paid through my mortgage servicer ( XXXX ) for the year. I would like for them to fix this problem on their end. I switched my carrier to another insurance organization in XX/XX/2022. My insurance was current with XXXX XXXX and it is current with the carrier I am with.
Product: Debt collection

This debt is n't mines, I do n't have anything with XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under c open end consumer credit plan as late purpose. 
+ XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

ESCROW BALANCE IS WRONG, REQUEST COMPLETE BREAKDOWN OF ESCROW SINCE XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, 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 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of fraud. And this debt is not mine. I asked creditor for proof. I never received anything. I have sent in letters ( certified mail ), FTC reports, called XXXXXXXX XXXX XXXX... now their lines are busy can't get through. This account was closed. However it still remains on the report. It is violating my rights to have a fair credit score. This is not right. Please have them remove this collections ASAP!!! 
XXXX : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, cancelled my cell phone service with XXXX XXXX XXXX. They continued to bill me after the fact. I disputed the final {$100.00} that they said I owed because I did not owe it. 
On XX/XX/XXXX, I contacted my bank and disputed the charge that was automatically charged to my account by XXXX XXXX XXXX XXXX XXXX XXXXXXXX completed their research and credited my account which means they never received documentation from XXXX XXXX XXXX supporting their accusations. 
XXXX XXXX XXXX continued to call me incessantly and continued to send me a bill ordering me to pay it even after I sent them a letter in detail disputing the charges and requesting documentation and proof on their side. Towards the end of XXXX, XXXX XXXX XXXX threatened to send me to collections and ignored my letters to them. On XX/XX/XXXX, I sent XXXX XXXX XXXX another letter stating in detail that Im disputing the debt they say I owe and that if they report the debt to credit reporting agencies, its a violations of my rights under the Fair debt collections practices act. 
In XX/XX/XXXX, I received a letter and multiple calls from a debt collector named XXXX XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX. I then sent them a dispute letter that also included the dispute letter I sent to XXXX XXXX XXXX. Because I was disputing this, I received a response from them saying they would wait to hear back from XXXX XXXX XXXX. I never heard anything back from them. Then on XX/XX/XXXX, I start receiving various e-mails from XXXX XXXX who is now trying to collect the {$100.00} from me on behalf of XXXX XXXX XXXX. I notified them of the other individuals I sent dispute letters to and that XXXX XXXX XXXX just keeps switching 3rd party collectors to harass me. I told them I was disputing this and that I have since XXXX and XXXX XXXX XXXX hasnt sent any proof or documents supporting their right to collect this amount, all they have done is continue to switch collectors. The response I received back was the following : We received your notice of a dispute and paused all collection activity. We informed the account owner, XXXX XXXX XXXX XXXX. The investigation is ongoing. 
We will not resume collection activity until you have been provided with validation documentation. 
I never heard from them again. 
Fast forward to XX/XX/XXXX, I check my credit report and all of a sudden I have a debt collection reported on my credit report from a company called Radius Global Solutions for {$100.00} on behalf of XXXX XXXX XXXX. I have never received letters or any documentation from this company. I have always and continued to dispute this collection with XXXX XXXX XXXX and they have failed to provide and documents whatsoever. This report to my credit agency just made my credit score go down significantly and affect me negatively. This companies actions are illegal and in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Both XXXX XXXX XXXX and Radius Global Solutions have illegally violated my rights.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments from XXXX  on my credit card that I received during the XXXX pandemic 4 years ago. I havent been late since and XXXX has given me new additional cards because they trust me. I need to have these late payments removed because I was deathly ill in the hospital at the time fighting for my life. Thank you for your time.
Product: Credit card

A credit card was opened in my name and under a business name that WAS NOT MINE and I called them to straighten it out. The Real business owner was contacted and I believe paid the balance in FULL but it is reporting on my credit currently as a " Charge off '' on one bureau and as a Paid charge off on the others. It should not be on my personal credit report, I applied form a HELOC last month and found out this was my major down fall in my credit rating. I had no idea they were holding me accountable for a credit card that I HAD NO IDEA was opened using me as a Co signor or major signer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I have been a loyal customer with Bank of America ( BofA ) for more than 10 years. I have started using their credit card approximately 3 years ago. Since the beginning, I used BofA 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on BofA 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and BofA did little to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope BofA can revert the late status on these payments on my credit report.
Product: Credit reporting or other personal consumer reports

inaccurate information being reported to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXXXXXX XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other XXXX XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXXXXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
Product: Mortgage

THIS COMPLAINT INVOLVES A HOME WHICH WE CURRENTLY VISITED WHICH IS ACTIVELY ONLINE VIA XXXX. WE TOOK IT UPON OURSELVES TO VISIT THE HOME. WE RESEARCHED THIS HOME WITH EXTREME DETAIL. WE CONTACTED A REALTOR LAST WEEK AND WAS TOLD THE HOME COULD NOT BE ENTERED DUE TO BEING PREOCCUPIED. THIS WAS A LIE. AFTER SPEAKING WITH THE NEIGHBORS THE HOME HAS SET FOR OVER 1 YEAR. INDIVIDUALS FROM XXXX XXXX COME INTO THE HOME AND STAY FOR A VERY BRIEF TIME AND LEAVE. IT APPEARS THERE HAS BEEN SO MANY LOANS ON THE HOME PROVIDED BY XXXX XXXX AND OTHER AND THE XXXX XXXX PAID OUT TO THE BANK. IT APPEARS THE HOME WAS PURCHASED APPROXIMATELY XXXX TO 6 TIMES SINCE XXXX WE ARE UNABLE TO REACH THE BANK WHICH OWNS THE HOME. AS STATED THE FOLLOWING BANKS ARE INVOLVED XXXX XXXX AMERICAN PACIFIC MORTGAGE THIS HOME IS BEING SOLD OVER AND OVER AT AN EXTREMELY HIGH PRICE POINT AND INDIVIDUALS ARE APPEARING TO BE SCAMMED OUT OF THE MONEY. 

SADLY, WE ARE INTRESTED IN THE HOME FOR A EXTREMELY LOW AMOUNT. THE HOME HAS BEEN PAID FOR OVER XXXX TIMES!
Product: Credit reporting or other personal consumer reports

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely Experian, XXXX, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed somethings are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

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.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 

Experian Dispute : According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to Diversified Consultants requesting verification of the account belonging to me. ( Ex. Documentation bearing my signature ) Response from company was an invoice which is NOT verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT AND I HAVE SENT NUMEROUS REQUEST FOR MONTHS FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I DON ; T UNDERSTAND HOW AND WHY THE OTHER 2 BUREAUS WERE ABLE TO CONFIRM THAT THE SAME ACCOUNT IS FRAUDULENT AND THE ACCOUNT HAS BEEN DELETED FOR MONTHS BUT EQUIFAX FOR MONTHS IS NOT ABLE TO VARIFY. I STRONGLY BELIEVE THEY ARE DISCRIMINATING AGAINST MY NATIONAL ORIGIN SINCE I HAVE BEEN TOLD NUMEROUS TIMES MY ENGLISH IS NOT GOOD ENOUGH FOR THEM.
Product: Vehicle loan or lease

I have been charged with a missing key on XX/XX/XXXX for {$400.00}. We have repeatedly told Toyota Financial that the 2nd key was placed with the documents and it was placed in the glove compartment. Please note that the car will not lock if it senses a key inside the car. The car was placed under the dealership from XX/XX/XXXX, until it was inspected on XX/XX/XXXX. The XXXX XXXX XXXX was left unlocked for 7 days. During this time, the key was either removed from the car and misplaced or thrown away. No one from the car dealership nor the Toyota Financial contacted us for the missing key only after I received a letter on XX/XX/XXXX, noting that I own them {$400.00} for the missing key.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER TRANSUNION UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA TRANSUNION HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.