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

MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I have an account at the US Bank. Im XXXX, living in XXXX XXXX in an elderly care home. Im physically only able to travel very short distances ( few XXXX meters ) by using a wheel chair. Money from my pension-plan is coming in on my US Bank account on a monthly basis. Since XXXX I have been trying to get money transferred from this US Bank account to my account in the XXXX. The US Bank is refusing to make this possible. They claim the only procedure is a wire-transfer which requires a visit to a branch in person in the US. Clearly this is no option. My son might be able to do this on my behalf, although it clearly is ridiculous to travel to the US for such a procedure. But that would require him to become a signee on my account. I was told adding him as a signee also requires me to visit a branch in person in the US. I have tried to make him signee by sending official paperwork, such as an existing notary statement. All legally translated and authenticated by a court in the XXXX. This should be legally accepted according to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XXXX which states that documents verified in this way should be accepted as official documents in de USA for private law. XXXX entered into force for the USA in XXXX. The US Bank refused to accept these documents. They claim it to be policy not to accept foreign documents. XXXX I stopped calling and emailing and sent a letter. The US Bank has still not answered. Not even a confirmation that they are working on the issue. The letter simply asks which procedure to follow to wire money and which procedure to follow to make my son a signee without having to travel to the US. If required can provide copies of emails and letters and official document if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exprian has disregarded my attempts to correct my report, ive paid off all of my credit cards in full and spoke with the company an verified that they have reported it to exprian, upon opening a dispute i called an was hastly told there is nothing i can do and that it will update when it updates, this was extremely unprofessional and rude. 
The same day i received a email saying the accounts were verified with my card company and that the reports will stay the same that is simple not yhe truth.
Product: Debt collection

At this point I feel like the company is just harassing me they continued to request the same information over and over again I provide the information every time I don't honestly know what the company hopes to accomplish by doing this I complied with every request but it's getting a little tiresome my checking the bank account information is not going to change from month to month requesting the information each month in my opinion is just turning into harassment
Product: Vehicle loan or lease

I am following up on my earlier requests to obtain credits for two line items on Retail Purchase Agreement dated XX/XX/2020 ( deal XXXX XXXX ). As mentioned previously, the blind spot monitor system installed by XXXX XXXX did not work properly, so XXXX XXXX removed the system in XXXX. Secondly, I had waived the Vin Mark Protection at the closing. Please provide documentation and a check for the return of the blind monitor system and waiver of the Vin Mark Protection. 

The amount of {$1500.00} was listed on the Itemization of Amount Financed sheet as Other Charges Paid to Others on Your Behalf. Please provide a breakdown of the items in this category. 

Since I had not received responses to my XXXX e-mails on this subject, I contacted Toyota Financial to determine if there were credits to apply to the loan balance. According to Toyota Financial, there are no credits from the Toyota of XXXX  to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s  ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s )  to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

Disputed this company twice ( XX/XX/XXXX and XX/XX/XXXX ) online. Failed to receive validation of debt only received collection bills all for {$200.00} ( starting after 1st dispute ). 3rd dispute was a Debt Validation letter dated XX/XX/XXXX, mailed out late XX/XX/XXXX. The letter includes my needs and the federal law in tact on debt validation before reporting an account to the credit bureau. This account has been reported to my name since XXXX. All disputes went through credit bureaus and as I dispute accounts, collection agencies would send just bills. I received a bill in the mail on XX/XX/XXXX from this specific agency and I called them and on a recorded line as they told me it was, I asked to speak with manager or debt collection dept to see if my letter was received. The agent tried to verify my identity and I stated to him I didnt feel comfortable because of previous attempts of calling in to handle this matter, I felt nothing was resolved and my information was just being taken to continuous attach this debt to me. He claimed he got the manager and when I asked about the letter I was told we dont have that ... I cant access that information ... .now I see there was a letter received but I cant access the letter. I continuously read off my letter I mailed in, continuously asked to speak to the dispute department, which at one point he told me they did not have that dept. I continued to asked for a manager and then I was told they were not available and in the beginning a manager did come on the phone and I had a conversation with two people. I ask to speak with the division  manager, as his name is on the bottom of the letter with an attached bill, the agent said the division manager will not talk to me. It got out of hand for me because I felt like I was being lied to with incorrect dates, I was told my letter was received and then it wasnt received. I was told there was no dispute dept and then if I wanted them to review my letter I needed to mail it in to them and someone who does disputes will review it. They have no connection with the bureaus but Ive received a bill everytime I dispute with the bureau. This is effecting my credit horribly and no one seems to want to provide me with the necessary information of the original signed contract from this consumer. As I have told them it is not my account and I have never had an account with that company and if there is fraud taking place, I need to be provided with something besides a bill to take to my local police dept for a fraud report if there is someone using my name. This has greatly affected me as Im a single mom trying to buy a house and start a business and I cant receive a line of credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. 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 in 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. 


XXXX 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 recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX  direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for  reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : XXXX XXXXXXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX Credit acceptance co account number XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit card or prepaid card

Hi, I was a XXXX 's cardholder sinceXX/XX/XXXX..I reached out to the bank concerning the disaster we had Hurricane Erma.I spoke to the bank on XX/XX/XXXX..the reps were giving me a hard time with the issue with me being a disaster victim..I reach out higher to the Corporate level with XXXX and I spoke to XXXX XXXX about the situation and he got sick.I spoke with XXXX XX/XX/XXXX..I was advised that the collection calls would stop being that the account was in the care of Corporate and I told her I didn't have my card it was lost ... XXXX   told me that I would receive a new card since XX/XX/XXXX.I didn't receive a card..I also told her about a check that the bank sent me and I never received the credit balance refund check.I was emailed a affidavit that I signed and send back to XXXX..she stated I need to fax it to the number on the paperwork after she told me to sign it and sent it back to her to forward to the correct department.I was trying to get my account on track with having a new card sent to me.I was told by XXXX that I needed to pay {$54.00} onXX/XX/XXXX I gave her my routing and account number to post the payment to my account..this is the same account I use to make payments with no issues..XXXX  advised me on XX/XX/XXXX that she was working with Citi about my account and this was since XX/XX/XXXX..I told her about charges I didnt authorized on the account and that I didn't have a XXXX 's card..on XX/XX/XXXX my account was closed..I was wondering why she told me about a payment five days before the closing of the account ... after she stopped the collections calls and fees..I started asking for her manager XXXX XXXX..I spoke to her a week ago and was advised that she would contact back early this week about having the XXXX 's account reopened with Citi..I called XXXX today and she was very rude and unprofessional with me ... XXXX stated to me rudely that I should've paid the account I told her I gave my banking info to XXXX to submit the payment and that with XXXX XXXX stopping the collections calls that she should've informed me at earlier time about a payment and about the account being closed onXX/XX/XXXX ... I was dealing with XXXX 's Corparate since XX/XX/XXXX and I didn't get no response from XXXX XXXX ... I hanged up and call her back again because I was expecting a call back from her since the phone got quiet on her end..I never received a call and I call back and no answer XXXX left her a voicemail..XXXX XXXX   demeanor was totally different from our conversation last week Tuesday.I been a cardholder sinceXX/XX/XXXX and I expected that level of XXXX 's to be more professional..I was patient sinceXX/XX/XXXX..the issue should've been resolve with my account still being opened.I emailed XXXX on XX/XX/XXXX concerning me speaking with the collection agency XXXX XXXX concerning the situation and the manager advised me that the calling would stop and that they got the account XX/XX/XXXX and that he will forward it back to XXXX 's XXXX since its dealing with a hardship due to a disaster and they won't call me anymore.Thanks
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 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: Checking or savings account

I had received a promotion in the mail from Chase offering {$500.00} to open a checking and savings account with the exception of having XXXX in savings and direct deposit in checking ( {$25.00} ) in which i followed through and provided a check in the amount of {$15000.00}. ( XX/XX/2018 ) The account was set up at Chase ( XXXX XXXX ) XXXX Texas location and was given a direct deposit slip to provide to my employer. A few days later I receive a letter stating they would be closing my accounts so I went to the branch office and spoke with the branch manager ( XXXX XXXX. XXXX XXXX he called Chase to see the reasoning behind the issue and stated they do not have to give an explanation or reason as to why they have chosen to close the account. This has made me very upset and feel as if they have provided false advertisement and misleading.