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

Fifth Third is unable to resolve credit card fraud and identity fraud. They put consumers at risk and make them go through hours of hurdles to try and get fraud resolved. It is reckless and irresponsible and shows poor fraud defenses on their end. 

I received a notification from a credit monitoring service ( XXXX ) on XX/XX/2019 that there was a hard inquiry on my TransUnion credit report from Fifth Third Bank and 2 other banks. I did not make any of those inquires for credit so realized I was a victim of identity fraud. I put in a fraud alert for the credit agencies, and then was able to call and close 2 of the fraudulent accounts that were opened under my name. It took around 30 minutes to an hour of hold time, getting transferred, and putting in my info to get those fraudulent accounts closed. This is an XXXX, but I thought 2 banks had a good customer service experience to resolve identify fraud. 

For Fifth Third, however, I have spent over 4 hours on hold and being transferred between departments but have been unable to resolve this issue. Fifth Third repeatedly says in their hold menu that I need to enter my account number of social security number to get faster service. I don't have an account number ( because it is fraud! ) and my social is not registering with them. So that means I sit on hold for 30-45 minutes since I am de-prioritized in the queue. When I finally do get a hold of someone, they say they can't access my application since my info doesn't match ( BUT OF COURSE IT DOESN'T MATCH. IT IS FRAUD. WHY WOULD THE INFO MATCH WITH FRAUD!! ). This is an awful customer experience and they are running the risk of someone receiving a credit card in my name and me being liable.
Product: Vehicle loan or lease

Our company recently leased 4 vehicles and the lease was financed by JP Morgan Chase ie. Chase Auto Finance. This was arranged by the car dealership. The bank bills our company and the lease payments are made by our company manager in a timely fashion. JP Morgan Chase for some reason has not been crediting payments appropriately ie. they get credited extra to a couple of accounts and a couple others are reported as delinquent. 

The bank representative called me on XXXX/XXXX/XXXX and it was explained to her that this was a company account. I told her that she should be calling the office as the issue will be addressed by the office manager. She mentioned that she had called and nobody answered. When questioned further as to what time she had called, as during the business hours, there is no reason why she would not be able to reach somebody there, she was unable to give me the details. It was mentioned to her that I will pass this on to the office manager and this issue will be addressed by her in a few days when she is back from her vacation. The representative was quite rude on the phone and she stated she will continue to call me. 

In a few days when the office manager was back, she called them and was told that they had made the mistake and credited some accounts extra in error. They said that it will take 20 days to resolve the issue. The office manager mentioned that, that was not appropriate as the payment had been made and the error was on their part, so they should rectify it soon. The office manager mentioned to me that the representative was rude to her also. 

In spite of everything being addressed as noted above, I continued to get repeated calls ie. 6 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 5 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX. At that point, I had to block their calls. 

Then I got a letter dated XXXX/XXXX/XXXX stating that I had fallen behind on my payment of {$480.00}. I spoke to my office manager and was told to ignore it as the matter had been addressed. Then today morning XXXX, I find that my credit score has " dropped close to 80 points '' because the bank had put in 1 late payment to my account. 

It is quite likely that this arrogant behavior of the banks and their staff is not isolated. Their attempt to bully individual customers who do not have the resources to stand up to them should not be tolerated. I would appreciate if you could look into this matter and take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to temporarily lift my credit freeze with Experian today. 

I attempted without my PIN first and it denied me. I attempted with a PIN they denied me again. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

I tried calling Experian to unlock it. I went through the IVR, re-entered my PIN. The system denied me again and told me I have to mail in documents which will take several days to do. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

They have no option to speak with a human being. 

These companies have too much power and are totally unaccountable for the damages they do.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Product: Debt collection

I tried multiple times to end my service with XXXX beginning in XX/XX/2023 because I switched providers. I continued to receive bills and called to verify that my service had been terminated in XXXX and was told it had not been terminated and that I would still have to pay the XX/XX/2023 bill, but that my service would be terminated effective XX/XX/2023. I received another bill for XX/XX/2023 and when I called back was told that would be my last bill to pay so I paid that bill. I was given a ticket number XXXX, from the person I spoke to verifying that my account was closed and that my service was terminated. This morning I received a phone call from Sunrise Debt Collector trying to collect on a debt from Spectrum for an XX/XX/2023 bill who stated that if I did not pay that it would be on credit report.
Product: Vehicle loan or lease

My vehicle was repossessed due to an inaccurate charge and a dispute that was submitted.
Product: Debt collection

I paid Home Depot to settle the day. I asked him to send me a letter stating that the debt was settled never sent it and is still reporting on my credit report
Product: Credit reporting or other personal consumer reports

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. 
I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a survivor of XXXX XXXX. I'm requesting an adverse information block per the FCRA Section 605C
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company acted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the 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 then seven years. 

US Department of Education : Debt Management and Collections System Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use and inaccuracies in credit report
Product: Mortgage

We were actively working on a short sale for this property. We were completing all our tasks on XXXX and very close to getting the short sale approval it seemed like but every time the negotiator came back to us, she would slash the fees that were being allowed. We originally had a contract much lower than the value of the house. This was the 2nd time we were going in and this new buyer had agreed to the contract sales price. Our negotiator XXXX XXXX said that we had until XX/XX/XXXX to complete the task or she would close out the file. 1, we were waiting on results from the 1st complaint we filed with the CFPB, and 2, we logged in on XX/XX/XXXX at noon and the file was already closed. We need to get the file reopen on XXXX as soon as possible with a negotiator who is willing to work with us and who does n't keep cutting the fees that are approved and who does not close out the file before the promised time. My wife is in her sick bed and we need to be able to get this out of the way to prevent a foreclosure from happening.
Product: Vehicle loan or lease

I purchase a XXXX  XXXX XXXX last year XX/XX/2021 and GM Financial was the company that was supposed tot have gave me the loan to the car. GM Financial acted as though they gave me the loan but really they violated 12 USC 1431 consumer code which states banks cant lend money because they are the borrowers. They also asked for my social security number which is also a crime according to 42 USC 408 and because there is no lawful money. According to 15 USC 1602 I am the consumer and the creditor in this transaction. I extended credit on my on behalf to GM Financial for me to obtain the vehicle.
Product: Debt collection

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to DISCOVERBANK reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Credit card or prepaid card

I was told to submit another complaint with dates involved. There was an initial transaction on XX/XX/XXXX for XXXX XXXX  with Amazon.There is repetitive charges after that for like XXXX transactions with Amazon. I didn't know or authorize this going into XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/XXXX I contacted Professional Debt Mediation, Inc to pay a debt originally owed to XXXX in XXXX, FL. The amount was for {$1000.00}, the company and I agreed to settle on the amount of {$800.00} with the promise that the debt would be paid off and this would be removed from my credit report within 60 days. Well it is 2 years later and I just got a hard copy of my credit report and what showed up? This debt! That was supposed to be taken off!!! I have attached the letter from the collector I received at the time. I also have the original e-mail and the bank statement that shows the {$800.00} dollars were withdrawing from my account. I have attached some documents for your review as well.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations XXXX To my concern, XXXX and XXXX have diligently followed this timeline and removed the aforementioned account in XXXX of XXXX. 

However, TransUnion has failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. 

I urge TransUnion to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. 

Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that TransUnion will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is overdue. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Info XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$410.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX-Repeated phone calls with a voice mail telling me to call XXXX. 
On XXXX I received a phone call from XXXX from XXXX, TX. I answered and a auto message said to call XXXX. 

I called and a woman answered saying I owed a payday loan, which I have never even visited one, in the amount of {$500.00} from Check and Go in XXXX, TX. Since it had interest, she said I owe over {$1100.00}. She had the last four digits of my SSN. I gave no information. Ive never received any phone calls or mail from any Check and Go. I doubt XXXX has one. The woman said it was going to legal. 

The woman could not give me her name nor the name of the business she was with nor could she give me any contact information. She typed in her computer that since I refuse to pay the debt, theyd be sending me something in the mail. I laughed and hung up. I blocked that number and after about 10 minutes, they called back. Same number. I blocked the number again. 

Thank you
Product: Credit card or prepaid card

I purchased a XXXX debit card -the following day XXXX was stolen from the card -my understanding is, If the vendor refuses to give the money back -I am not protected. visa, XXXX, and XXXX XXXX is giving me a runaround about refund of my money
Product: Credit reporting

I am a victim of their Inquiry issue : I have not given permission or consent for any of these inquirys XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX