23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX I'm now requesting you investigate and provide verified proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Capital One took {$1000.00}. 
There is no accountability for this money. 
I had done a bank transfer from to XXXX to Capital One of {$1100.00}. 
They said they gave it to Social Security. Social Security don't have the money. They said they took for my dead husband who died XXXX years ago. Social Security told me to tell them to give it back because XXXX didn't owe them any money.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. 
I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. 

I will attach the FTC report here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. 

Fraud accounts are the ff : XXXX XXXX XXXX - XXXX - XX/XX/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 

I was also not late for these accounts. I don't recognize any late payments. Please remove or update the status to 'Never Late ' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Please delete these fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

and if you can include these too, that would be helpful : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage loan servicing was sold from XXXX XXXX  to Fifth Third Bank. I made escrow payments to XXXX XXXX which covered insurance and taxes. When the loan servicing got transferred to Fifth Third Bank, they claim that the insurance portion was not included. I made several calls over a few weeks to get the payment taken care of and they asked for a variety of documents. 

Once the documents were finally transferred over, and there were no more excuses to not pay, Fifth Third transferred from XXXX in Customer Service, XXXX in the Insurance department, XXXX in the Escrow department, XXXX from Insurance - each refusing to take responsibility. 

Finally, I was transferred to XXXX from loan servicing and she says she needed more insurance documents and if they add it to my escrow, payments will need to be increased. I tried to get them to explain why my escrow payments will need to increase when the previous servicing company charged the same amount for escrow but covered both taxes and insurance. In addition, my property tax bills have decreased over time. They gave me a fluff explanation and held the line of asking for more documents. 

In the end, I paid the insurance payment out of pocket. This type of behavior and transfer of responsibility is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigation or are they just automatically verifying things without conducting a investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed two accounts on my credit report several times with Experian and they have not been able to provide closure on this matter. I've sent several letters of validation to the creditors as well and has yet to receive anything validating this date. I've disputed with XXXX  and XXXX  and both have resolved my issues. I'm requesting CFPB assistance to have Experian follow suit and delete these accounts from my credit report. 

XXXX XXXX Bank account # XXXX SCA/Rooms To Go account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trygrain.com is a digital app on XXXX  that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over 50 points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!
Product: Debt collection

I'm in debt for things I haven't done My identity was stolen from rentals, to car purchases I'm not responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, Quicken Loans , Inc. at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by Quicken Loans. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX XXXX XXXX in Maine ran my credit and used for another purpose other the one authorized and my score dropped significantly which impacts negatively my eligibilty for new credit. 

Information on my TransUnion credit report XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Requested On XX/XX/2024 Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX ACCOUNT NUMBERXXXX. 
INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited toEXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 )
Product: Vehicle loan or lease

First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX. 
Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Debt collection

I received an offer to apply for an 18 month interest free loan from Sears for any purchase of {$540.00} or more within XX/XX/XXXX and XX/XX/XXXX. The step by step offer activation guidelines provided. The offer stated that it can be done by phone or on line. The activation code was provided.I called the store and activated the offer. After that I made two purchases within the allotted time frame. I made payments on time, every month for the duration of four months. Recently, as I was going through my statements, I noticed that I have been charged an interest every month. The amount of interest is different from month to month, and is around {$45.00} - {$54.00}. I called the bank and was told that the promotion code has never been activated. The manager stated that the code can not be activated by the phone, while it is clearly stated on the offer that it can be done over the phone or on line. I seek the resolution of the problem, but was told that the only option that I have is to keep on monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$280.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Late/Closed Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Late/Open Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Through XX/XX/XXXX through XX/XX/XXXX are a handful or credit reports I never personally authorized to check my store or to know what my financial status is at that current moment. Anyone online can get information and try fraud under the radar unless you keep up on things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/2018 regarding 5 collection accounts that appear on my credit report that were either paid in full by insurance, services billed for were not actually provided and/or the acct never belonged to me ;. Today is XX/XX/2018 and the dispute remains in " pending '' status. Now there are new/updated collection accounts that do not belong to me in addition to those ALREADY disputed, however I can not dispute the newly added collection accts due to the unresolved dispute still open. It has been over 90 days since the original dispute was issued and my financial situation but is suffering as result of this inaccurate reporting and delayed corrective action on the part of TransUnion.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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'm here to report a general unfair process handled by Marcus bank. I opened quite some CD accounts in this bank. Recently, I noticed I can set how to handle the money after maturity for some accounts but not other accounts. I gave them a call and got to know I can only set it up after one year of account opening. Now, the question becomes why Marcus has this policy? This is just a setting and customers don't really withdraw money before maturity. The default setting is that CD will be renewed to the rate of that time if there is no further instruction from customers. Obviously, Marcus bank plays a game against customers. If customers like me either forget to change setting after one year or miss the maturity email from them, they can just hold the money for another term of CD. If I try to withdraw money after maturity date, they can charge the penalty. This kind of policy is designed intentionally to hurt customers and is not morally a right business practice. I report this not only for myself but also for other Marcus CD customers. Marcus bank by Goldman Sachs should stop this kind of policy and let customers decide how the money will be handled after maturity when the CD account is just opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Product: Debt collection

On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX - XX/XX/year>
Product: Credit card

Had a series of fraudulent transactions on my USAA Credit card. Unable to determine which ones were resolved in my favor and which ones were not. Charge reposted for ( {$360.00} ) on XXXX XXXX, 2016.