23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX/Navient Accepted promissory notes that were fraudulently filled out, one of which had the student name incorrect. They also applied payments in a manner to ensure that loans would enter into default, as well as " finding '' an additional payment in XX/XX/XXXX and back dating it to XX/XX/XXXX without any adjustment towards any interest or payments that the payment would impact regarding current debt.
Product: Debt collection

I've contacted I.C. SYSTEM, INC regarding a ATT U-verse debt that is showing up on my credit report. They informed me that the service ( I assume XXXX XXXX  ) was setup at an address in Illinois. For what it is worth, I've had XXXX XXXX  Stream service ( another ATT XXXX  ) for five years, which should make one question why I would open an account for a second cable service. 

I informed I.C. System, INC that I've lived in XXXX my entire life, and there is no scenario that any service should have been setup at an address in XXXX. This must be a fraudulent account. I made no progress with this company. In fact, they used the opportunity, when I called to dispute the debt, to get my home address in XXXX and update their records instead of doing anything to determine if this was fraudulent. I disputed the debt on the XXXX credit report two times. With both disputes, the results came back within 24 hours with no change. 

This is impacting my credit score. Please note it is the only delinquency on my credit.. 

Seeking help because I've exhausted other means of getting this corrected.
Product: Credit card or prepaid card

I've attached supporting documents. this will be my third complaint against Comenity Bank which handles my XXXX XXXX account. This bank purchased my account from another lender without notifying me and has continued to force late fees and late interest throughout the entire term. When I found out about the purchase I immediately closed the account and notified them in writing that I don not agree to any new terms. I recently paid the remaining balance in full on the due date and the bank still charged me a late fee and interest which is not in my cardholder agreement. The late payment warning under the account summary does not specify a cut-off time for payments, it merely states that the payment must be made on the XXXX of every month. Later in the statement there is a cut-off time mentioned, however their policies and procedures are not consistent. I've attached a copy of the statement with the late payment warning visible and not displaying a cut-off time. I've also attached my emailed receipt dated XX/XX/XXXX, reflecting that I made the payment on XX/XX/XXXX.
Product: Checking or savings account

Marcus Bank is commiting fraud. 

Despite storing a down payment on a home for several months earning their acclaimed high interest rates, when it came time to purchase a home they took 2 business days of persistent phone calls to ultimately reject the wire transfer without a reason citing policy of " case by case '' as justification. 

Money that was deposited to the bank, money that was marked available for several months, was inaccessible at a critical time of need. The phone operators were unable to help because the structure of the company prohibited them from understanding the rejection, prohibited them from contacting the right person, and ultimately made each person who I can talk to repeat the same line of being unable to help get the money I left with the bank. 

Marcus Bank is commiting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX Credit Cards XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XXXXXX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

When I checked again my credit report, I found that some of the information was inaccurate. The 3 credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian XXXX XXXX XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022 I filed a complaint via Consumer Financial Protection Bureau, that consumer reporting agencies reported many of my accounts without my permission. All three credit bureaus have resolved my complaint but have not removed my accounts.
Product: Mortgage

On or about XX/XX/XXXX, I recognized that New Rez paid another home owner insurance company without my knowledge, then applied it to my escrow. Making a XXXX negative escrow account. Unpon further investigation, I found out that I have been paying two ( 2 ) home owners insurance for almost a year. New Rez then charged me a premium stating that I did not have home owner insurance for two ( 2 ) months in the beginning of the year 2024 stating that I had no insurnace on file while scolding me for not telling them of the changes when I have made no verbal or written changes.

Without any formal communication New Rez paid another insurance company without any formal notification and refuses to rectif.ty their error and address the overage
Product: Checking or savings account

around the time of XXXX XXXX of 2017 i noticed that someone was writing fraudulent checks on my WELLSFARGO bank account and a check was being deposited that sent my account to negative XXXX dollars and when i noticed that my account was in the negative and i have n't done anything to cause my account to over draft i called to dispute the transaction they told me to take my claim number and they will get back to me they called 2 months after they called saying they denied my claim because the person that deposited has made deposits to my account prior to this transaction but i told them that was n't possible because i am in south Carolina and the deposit was made in new jersey. customer service really didnt try to help me defuse the problem just sent my account into a collection
Product: Credit reporting, credit repair services, or other personal consumer reports

on or  XXXX   XXXX   XXXX   XXXX , transunion and  XXXX  took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX 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 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.A 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 which antedates the report by more than seven years. 15 U.S.C1681s-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

I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to Upstart regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with Upstart Consumer Leading was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with Upstart. After almost eight months, of informing Upstart that this account is not mine and that someone used my identity to open this account. Upstart continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX   XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Payday loan, title loan, or personal loan

Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. 

I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. 

The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. 

However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. 

I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. 

No phone call was received. I made do with my credit card. 

I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. 

She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. 

XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. 

I sent an email to explain that I would be contacting you. 

XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

XXXX XXXX XXXX XXXX XXXX : {$6100.00}
Product: Consumer Loan

I recently took out a HELOC on my house and used part of the loan to payoff my installment loan with Prosper. The payoff was overpaid by {$110.00} to Prosper.com, so I asked Prosper for a refund. Prosper says I still owe them {$130.00} and will not close my account and is continuing to charge me interest. I 'm afraid Prosper is going to charge me late fees and ruin my credit because they wo n't honor the payoff statement they sent me. 

I almost lost my rate lock because Prosper would n't provide a payoff statement to the new lender. I had to call repeatedly over a few weeks, and was always promised a statement would follow in 2-3 days from their finance department. It was n't until I filed a complaint with the BBB that I finally received my payoff statement. 

Now that I am having issues again with their customer service it has fallen back into the same cycle of them saying they need to send the issue to their finance department and will be in touch in 2-3 days. I filed another complaint with the BBB, but no response this time. 

They are ignoring my issue and trying to bully me into submission by holding my money and credit hostage! It is n't right! I 'm on hold for hours with their customer service and having to dig for viable remedies to get them to act.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX XXXX to look at cars. Before I asked to test drive a car, they ran my credit & asked to hold any card with my name on it. I gave them my debit card to hold but did not authorize any funds. The dealership was very pushy and it was a bad car deal so I ended up not buying the car. I checked my bank account the next day and {$2000.00} was taken out of my account. I never signed a contract authorizing them to take money out of my account or keep a deposit. They were deceptive about everything and took advantage of a young woman who was new to buying cars. I called Wells Fargo and explained to them what happened, they reversed the money temporarily. On XX/XX/XXXX, I got an email saying the investigation for the claim was completed. On XXXX, they took the money back out of my account and would not open up a new claim. XXXX XXXX XXXX will not explain why they took the money out of my account and says I need to work it out with my bank.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$16000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$18000.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$400.00}