23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.
Product: Checking or savings account

I submitted a claim on XX/XX/2021 to Bank of America on purchases that were unauthorized purchases made on my debit card. Bank of America has come back to me and said the it's resolved but the claim is not paid. I don't understand why it wouldn't be paid back to me when I didn't make these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was the victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that other Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This letter is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 


XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card or prepaid card

On XX/XX/2020 two first class tickets were purchased with the Barclay Card XXXX rewards from the XXXX XXXX XXXX from XXXX for medical reasons. Because of COVID-19, we cancelled and rescheduled the flights knowing this was going to happen. The country started opening its borders again and I tried calling and tried to get in touch with XXXX being on hold for hours on end- then just two weeks before we were to take off they cancelled our flights meaning they bumped us out. Never mind that we purchased the tickets MONTHS IN ADVANCE. We then had to purchase the tickets from XXXX XXXX and we got to our destination. Prior to leaving we notified Barclay and they gave us credit back for both tickets. When we got back, we were refunded for one of the tickets. We are now being ignored to get the other one refunded.
Product: Vehicle loan or lease

Purchased a new XXXX XXXX XXXX. Ford gives discounts/rebates if financed through Ford Motor credit. I received a loan and rebate ( {$750.00} ) from Ford Motor Credit for my purchase. The selling dealer employees as well as other Ford dealers informed me that if not at least 6 payments were timely made the rebate could or would be revoked. Being as several sale staff at several different Ford dealerships made almost the very same statement I would assume, as I would guess anyone would, Ford is aware of this and is their ( possibly un-written ) policy. After my purchase financed at an I feel exorbitant interest rate I called my personal bank and secure another loan to pay the Ford loan off. ( at less than 1/2 the rate with the very same terms as from Ford ) My concerns are : 1. As I understand it Federal law states there can not be prepayment penalties for the prepayment of loans. Is Ford in effect in violation of this law as 6 months payments apparently need be made before possible loss of rebate? Ford is most certainly aware of this issue. If personal at dealerships are stating the requirement falsey to protect sales commissions, Ford no doubt is fully aware of this matter and would be in criminal violation I would assume. This exact scenario has been going on for years. 
2. The Ford employee at closing had a 8 year, 5.59 % contract before me to sign with no indication or question in me being able to negotiate interest rates or terms. Was told rate was non-negotiable and was very difficult to get the term length reduced. Is this not predatory lending of some sort? 
I feel as Ford Motor Company colluded with Ford Credit Corporation to sidestep federal laws and practice unfair credit  practices.
Product: Vehicle loan or lease

AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken. 

Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was XXXX due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with TRANS UNION, XXXX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditor XXXX XXXX ) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and XXXX  in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX  and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report XXXX XXXX after this issue was recently resolve due to me filing complaints now I've encountered the same issue again and I'm unable to view my credit report after speaking to the company due to the first prior issue I was told to upload the self assist form through CFPB so that the CFPB could share it with the company I also sent in a copy by mail with the same document.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXXXXXX 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
Product: Debt collection

I keep getting daily phone calls from Acima and from different phone numbers. After the harassing phone calls they then send me emails with amounts due and the amount due keeps changing every day. This is concerning my accounts with Acima. Company keeps sending me emails to return the rental property. I was unaware this was considered rental property. It was a purchase from XXXX. Acima is lying to its clients. This was a purchase. Not a rental. This is not truthful on their part as a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was going through my reports and saw some inquiries on there that I have no idea why they are even on there. 
XXXX XXXX XXXX  Usa ( XX/XX/XXXX ) ~XXXX XXXX Na.., XXXX XXXX ( XX/XX/XXXX ) THESE WERE NOT AUTHORIZED
Product: Mortgage

Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.
Product: Credit card or prepaid card

I called Capital One Credit card today and attempted to re open a dispute against XXXX XXXX XXXX XXXX for {$500.00}. I submitted additional information requested however it was rejected.The representative told me that Master Card would not accept the documents submitted. I submitted a second opinion, detailed explanation of why the charges was fraudulent and quoted North Carolina regulations. If the merchant committed fraud either by misrepresentation or illegal deception as in this case I should not be bound to pay. Master Card has not provided a detailed explanation why it refused my documentation.I would also like Master Card to provide the regulation it based it decision and provided the person name who made the decision and department.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I had file Chapter XXXX Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation. 

Thanks,
Product: Credit reporting or other personal consumer reports

my information was exposed in a data breachon the dark web and I am one of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor
Product: Bank account or service

I have been charged excessive overdraft fees by BANK OF AMERICA
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
Product: Debt or credit management

XXXX  in XXXXXXXX XXXX XXXX XXXX had it for 1 year XXXX dealership didnt want to fix it I was over paying warrantys on the car I self surrendered it. 

XXXX lost my job from XXXX  I owned XXXX company XXXX XXXX purchased a phone didnt like it returned it back after 2 days charged me XXXX
Product: Money transfer, virtual currency, or money service

PAYPAL has run up {$87.00} NSF charges on my saving account which they were not authorized to use on a disputed charge. ON XXXX, XXXX and XXXX, they tried to colledct on this disputed charge at a cost to me of {$29.00} NSF each time. According to PAYPAL, I had a contract with XXXX on auto renewal and I needed to pay them. They have continued to harrass me emails to update my account to satisfy their charges all year long. the latest were XXXX, XXXX, XXXX and XXXX. I continue to block them and they just use another email address and they will not talk to me any more. 
_______________________________________________________________________ I tried an app from XXXX in XX/XX/2019, with a 10 day trial period, which I never used. My best contact with XXXX was with a robotic chat line with no success. They was no tech support or contact number. PAYPAL a year ago charged me {$69.00} and even then would not listen to me a year ago. XXXX had this on auto renewal without my knowledge or approval. PAYPAL paid again on this bogus charge.
Product: Debt collection

I received a mail to my address asking about a debt that is {$59.00} owed to spectrum internet for the period XX/XX/year>. This is not true since I had moved from my previous address that had used XXXX XXXX on XX/XX/year> and used XXXX XXXX services since XXXX was not avaliable in my area. I had also called to discontinue my service when I had moved out of the previous address and told that I would not be charged any future amounts since I did not utilize the service. The debt collector I.C. System, Inc. is charging me the said {$59.00} to spectrum internet when I did not have any service during and after XX/XX/year>.
Product: Debt collection

On or around XX/XX/2019, XXXX  XXXX placed a collection on my XXXX  credit file. Upon further research, I found out this account transferred or sold and I am is no longer responsible for the account. XXXX XXXX has failed to show details about age and of the debt from original creditor, a detailed explination of any interest added or payments and legal authorization for this interest, the date the original creditor claims this debt became delinquent. According to the FCRA, XXXX XXXX  has violated my rights as a consumer. I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Capital one is reporting false and negative information And as in properly investigating my account that is negatively impacting my credit score