23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX Told to apply with GreenSky via a purchase for Windows with Renewal by XXXX ( XXXX ), completed on XXXX XXXX. We paid XXXX a down payment via credit card without using any GreenSky funds or access. 
XX/XX/XXXX Purchase Window Expiration Date of GreenSky Consumer Installment Loan Agreement XX/XX/XXXX Failed Installation by XXXX, halted and documented. 
XX/XX/XXXX Email and Text Courtesy Alert notifying a payment of {$40000.00} has been made to XXXX from your loan account. XXXX XXXX, if you do not recognize this payment. 
XX/XX/XXXX Rejection of the request via email and an XXXX response via text with explanation XX/XX/XXXX GreenSky responds to rejection confirming this merchant payment requestwas NOT approved. 
XX/XX/XXXX Notification to GreenSky, no funds could be legally dispersed XX/XX/XXXX Contacted GreenSky, we had no financial relationship or obligation. A case was opened by XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX We mailed letter to GreenSky informing the Installment Loan Agreement had expired, no transaction had been approved and no verification provided, yet GreenSky allegedly provided money to a merchant, who had not performed services, for a customer who had not requested or authorized any transaction with GreenSky. 
XX/XX/XXXX GreenSky closed the case stating, As a result of our investigation, we have determined that no billing error occurred.., provided from a NO Reply email. 
XX/XX/XXXX New case opened by Case Manager XXXX # XXXX. Multiple phone calls were received and recorded, in which XXXX states, GreenSky will not alter Installment Agreement Loan dates or anything about the loan. They will work with the vendor to correct their fraud and refusal to complete. 
XX/XX/XXXX Letter and email from XXXX XXXX stating, As a result of our investigation, we have determined that no billing error occurred. 
XX/XX/XXXX Email and Certified Letter sent to GreenSky, notifying of Re : Fraudulent Debt and Erroneous Credit Reporting XX/XX/XXXX New case # XXXX is opened with XXXX assigned. 
XX/XX/XXXX Letter from XXXX XXXX with GreenSky, alleging an XXXX Document titled XXXX Form, is an impetus for providing XXXX XXXX without the XXXX  authorization or verification. 
XX/XX/XXXX Email from XXXX XXXX, As a result of our investigation, we have determined that no billing error occurred.. 
XX/XX/XXXX Notice from GreenSky, your promotional period is ending. 
XX/XX/XXXX Email and Certified Mail, notifying GreenSky Fraud - Truth In Lending and Credit Reporting Violations XX/XX/XXXX XXXX is the XXXX XXXX  Account Manager for Case XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So in the beginning of XXXX of 2022 we had planned a family trip to XXXX XXXX XXXX XXXX XXXX XXXX weekend in XXXX. I reserved the rental under my name and one of my sisters reserved the XXXX XXXX Three weeks before the trip there was a family emergency and we had to cancel. I cancelled the car reservation in well enough time to not have any issues. The rental company on their website tried to say you can't do cancelations but legally you can NOT charge a consumer for a product or service never rendered. I didn't notice this until I tried to cancel. I contacted Wells Fargo and told them the exact thing is just typed and they were willing to put in a dispute and fight the merchant for me. They were successful in getting my money back and doing the claim and everything they needed to so I would be set. However, I had a trip planned in XXXX for my birthday on XXXX XXXX and I frequently checked my account each day leading up to it to make sure my money was there because that would be my spending money for that weekend. It was there. On another card for a separate bank account I had my hotel and resort fee money to cover my room. Fast forward to when we landed we went to check our bags into the concierge until check in time because we landed early in the morning. So we went to grab a bite and planned to walk the strip for a bit thereafter to occupy our free time. Well when I went to pay for my food my WF card declined. I ended up having to use my other bank card to cover my food, putting that second account in jeopardy of not being able to cover the room. I called the bank and they said I was overdrafted by a XXXX XXXXXXXX dollars. When I asked the automated system to get me a banker, once they got on the phone they told me they needed more information from me for my claim against the rental car company so they let the merchant take the funds BACK OUT of my account anyway AFTER they had already settled it 3 weeks prior. When I told them the reason I didn't use the car A SECOND TIME they said they would put the money back in ten business days. In the meantime I'm stuck in XXXX for a weekend with no spending money because by the time they said the money would be back I would already have been back home in Texas. This meant I had to take an emergency loan. Unfortunately the amount I qualified for with one small company meant I would need to get two. So I took two loans for emergency and then the next morning Wells Fargo put the money back into my account after leading me to believe that the whole weekend i would be waiting for it so this meant I just took two loans for no reason and didn't need to. Needless to say I'm STILL being harassed by the loan companies for more money almosy a year later. The whole incident set a bit of a domino effect of me falling behind on bills for a bit due to the loan companies refusing to reverse the process since it was already submitted. A very aggravating and unnecessary experience due to Wells Fargo 's incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX  XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX  XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX  XXXX  XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX  ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXX/XX/2021XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019
Product: Debt collection

I am writing to formally dispute a debt reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. These laws protect consumers from inaccurate, incomplete, or unverified information being reported on their credit, and ensure that debt collectors follow proper procedures in notifying consumers of their rights. The debt in question is reported as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : SOURCE RECEIVABLES MNG Date of Discrepancy : XX/XX/year>2024 I am disputing this debt for the following reasons : 1. Lack of Notice of Right to Dispute : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to be notified of my right to dispute the debt within 5 days of initial contact by the debt collector. To date, I have never received proper notification regarding my right to dispute this debt. Without this notice, I have not been fully informed of my rights as a consumer, and I believe this violates the law. 

2. Harassment by Debt Collectors : Additionally, I have been repeatedly harassed by collection agency representatives regarding this debt. Despite my attempts to resolve the matter, I have received numerous phone calls, some of which are at unreasonable hours and have been persistent in nature. The repeated communication has caused me undue stress and anxiety, and I believe this behavior violates the Fair Debt Collection Practices Act. 

Request for Dispute : Given the lack of proper notice and the continued harassment, I request that you initiate a formal investigation into this debt. I am asking that this debt be disputed and removed from my credit report unless proper validation and notice of the debt are provided in accordance with the law.
Product: Debt collection

I received a notification today XX/XX/17 from XXXX Credit Alert that my credit store had taken a big hit. Upon further investigation I found that a company called Credence Resource Management had put me in for collection for an amount of {$1300.00} with XXXX. I do not have and never have had an account with XXXX and this is complete fraud. I find this very interesting since this is the exact same issue, amount and vendor that I had last year while being pursued by XXXX XXXX which was later resolved. If you check my records you can see the complaint I filed on this also. 
This is just another scam and it would not surprise me if both these companies/ XXXX XXXX XXXX are in collusion to commit fraud on as many unsuspecting individuals as they can. So far this is only showing up on XXXX, not XXXX or XXXX I need this resolved asap and hopefully you will take the appropriate action against these scammers Credence
Product: Credit card

CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/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
Product: Credit card

I manage XXXX synchrony accounts from the same portal. One is a XXXX XXXX account and the other is a Car Care card account. This is the third time that they have decreased my credit limit on the Car Care account even though I have maintained good status with the payments. I recently paid off a XXXX XXXX account that has over {$7000.00} available on it. Why did they not reduce that balance instead of the one that I am using? 

They are still acting in a retaliatory manner for past complaints and trying to maliciously to compromise my credit with the negative reporting even though my performance on the account has been good. There was absolutely no reason for the credit decrease on the account and the malicious harassment should stop. They are a public company, and should not have this type of personal engagement harassing consumers and projecting toxic narratives on their credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electric fraud transfer act. ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Hello, After contacting the XXXX XXXX XXXX XXXX XXXX, they helped us identify that we are potential victims of mortgage fraud and insurance fraud/bait and switch on our original FHA XXXX mortgage. However they say they do not have funding or attorney availability to assist us. 
I was charged for $ XXXX in homeowners insurance for a number of years. After a recent incident that was estimated & gt ; $ XXXX in damages, it was found they only provided approx. $ XXXX total in coverage. I cant get work done because the mortgage company holding the insurance money and now trying to foreclose ( CVE XXXX ) despite the fact we have been following their instructions and they have nothing filed at the local courthouse to identify a lawful foreclosure. We have all copies of all documentation to include the {$90000.00} of insurance and inter-office instructions from Bank of America telling their inspector to lower repair estimates. 
We do n't know what to do and are tired of living like this. Any advise or help you could provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX reference XXXX
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX reported a 30 days delinquent in the amount of {$9.00} in my XXXX, TransUnion credit bureaus. Negative reporting impacted my credit by reducing my credit score down to over XXXX points. 

During XX/XX/XXXX, I made a payment of {$50.00} based on the banks new online portal. The new online portal was down for several weeks and when it was back up, it did not indicate a past due amount nor did it provide a statement that reflected an outstanding balance. 

During the week of XX/XX/XXXX, I notified the company regarding this and was informed that I had to go online and print out a dispute form, fill it out and mail it in which will take up to 30 days for a response. Why was the dispute not accepted by the Representative who should have opened this on my behalf, like other creditors. 

I paid {$100.00} during the week of XX/XX/XXXX to prevent any further issues, but I am requesting the negative reporting on my credit to be removed and a letter of apology from XXXX XXXX XXXX. I have never had a no negative reporting on my credit report. 

Thank you
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CBNA/XXXX XXXX XXXX Account ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) XXXXl XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovery and Determination of Alleged Student Loan Debt Letter and Response. 

This is notice that on or about XX/XX/XXXX, a call was placed to the XXXXS Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of XXXX. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence resource management shows on my XXXX XXXX that I failed to make a payment. I have never opened an account with credence resource management.
Product: Debt collection

National Credit Systems and XXXX has violated my rights and this is my last go round with them before going to court. Not only were dates altered by XXXX and the leasing office according to XXXX  website and XXXX attorneys, XXXX  was supposed to send me a bill directly from Its company XXXX  before sending over my personal information to National Credit System. XXXX  has allowed this company to be rude and nasty to me over the phone. I will not stand for it anymore both companies will be liable for punitive damages. I have attached documents showing XXXX responsibilities and protocol. This protocol was not followed at all and for this reason I will personally filing a lawsuit against XXXX and National Credit systems. XXXX  was supposed to send me a statement not a collection agency. XXXX  was suppose to give me the opportunity to dispute and correct it with them prior to sending my personal information to National Credit Systems.
Product: Credit card

American Express has charged me {$180.00} for one day of allegedly being late on my payment and a {$27.00} late fee. I was not late on the payment. The payment was postmarked XX/XX/2017 the due date is XX/XX/XXXX, they say they received it on XX/XX/XXXX. This is nothing but pure greed. I have spent tens of thousands of dollars with American Express and pay my bill in full every month and never have been late. What a way to treat a good customer. Oh, and do n't send me their policies and interest rate dirty math, got all that from their drone reps who can only recite what they are spoon feed. This needs to be looked at by someone who understands customer service that can actually do the right thing.
Product: Credit reporting

I have disputed erroneous information on my credit report to which Experian responded that the information was " verified ''. Since then, I have sued a few of these creditors for refusing proper verification and they have been removed by the creditor. Experian continues to report erroneous information and the remaining creditors will not respond with appropriate debt validation. Additionally, Experian is letting unauthorized people check my credit and is reporting addresses that do not belong to me. Due to the fact that I have evidence that XXXX or more account they were reporting was in fact, not mine, this calls for a re-investigation and deletion of the incorrect data.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA XXXX obliges us to expunge any incorrect accounts from my credit report. Would you mind examining the documents? Certain accounts listed are inaccurately reported.