23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i called and complained about Greentree Services taking my name off the account to push it thru from XXXX. When I called they told me XXXX merged with Greentree and they took all the accounts. They took my name off and put my cousin who was the original cosigner when we initially purchased the home. I paid for years to find out the 3 bedroom mobile home was in my cosigner 's name only after paying over 11 years. He never paid XXXX. Greentree took my money and sent the bills to me for years. I complained about them in XXXX trying to settle why my name was off the paperwork. Reps called harassing about the payments when I was late but I kept paying. Im a XXXX year old lady that paid for this home all these years and was told a settlement check was going to be paid to the person name on the account and refused to talk to me. I have receipts and billing statements they sent to me in my name and his. When I asked the cosigner if he recd a settlement check he refused to say. I have my proof and taking him to court but was advised to complain online to CFPB. Please assist. CI really need my owed money Greentree from me. Feel free to XXXX. I have the cosigner 's address and phone number and will supply when need be to resolve this situation
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX  and I would like to be able to pay for my international manufacturing expenses XXXX through my business bank account but the transparency for what the total cost is lacking ( including any upfront fees and charges in XXXXhe exchange rate ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, ACCOUNT # XXXX, Account # 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 reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$280000.00}
Product: Debt collection

There is no physical proof or documentation ( contractual agreement signed by myself ) showing that this debt is owed to the company requesting it.
Product: Debt collection

I called and asked Portfolio Recovery to stop calling my number for a debt that is not mine. However, the company continues to repeatedly call almost every day, before XXXX XXXX and after XXXX XXXX. I have made it clear that I have no debts to collect and that they are calling the wrong number.
Product: Debt collection

Discover Bank Open date XXXX Account number XXXX Amount {$1500.00} High balance of {$1000.00} Contacted Discover also in regards to their part of damaging my credit. They've investigated it and found that it was associated with me in any way. I provided my information and I was informed that they will be contacting the credit bureau to remove this account out my credit. My only problem is how did it get in m y credit? How do you make a mistake that way without double checking the person information.
Product: Debt collection

I received a letter from NPAS Solutions after being robocalled by them for over a month now with no messages being left. The letter claims that I owe them for a hospital bill from XXXX XXXX.. This is the fifth company to be sold this falsified debt from the hospital that had already received its payment and tried to hold me XXXX with a XXXX against my will and the police forced them to discharge me and they didn't properly discharge me. My insurange covered the payment and they're still selling a supposed debt that I don't owe them I want to take action against XXXX XXXX for illegally selling my information to debt collectors.

Look at all my previous cases reported to CFPB its the same debt being resold by XXXX Florida and harassing me all cause an elderly nurse refused to discharge me! I haven't been to this hospital in years!
Product: Debt collection

Bay Area Credit Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Labled as debt buyer All of these accounts has inaccuracies across the three credit companies XXXX XXXX XXXX XXXX XXXX These debt companies constantly calls me numerous times a day and gives vague information regarding the accounts. I tried to verify these accounts with these companies directly however no information were provided to me once I cited the fair credit reporting act.
Product: Vehicle loan or lease

My brother got financed by the company for a XXXX  XXXX XXXX. He decided to trade in the car and refinance with the same company for a XXXX XXXX. Regional Acceptance is the company. They have yet to take the XXXX XXXX off my credit. I have proof, but the file is too large to send. My brother has tried numerate of times to contact them and take it off my credit but they have yet to and do not want to cooperate l.
Product: Credit card or prepaid card

I was a valued member of Chase Bank for over ten years. I have excellent credit with a credit score near XXXX. In XXXX, I was out of the country with limited access to internet, and Chase Bank allowed me to spend more than {$1000.00} over my credit limit because I was a " valued member ''. Because I was out of the country, I had no idea, and my monthly interest and " over-the-credit-limit '' fees raised through the roof. It was so high and so out of control by the time I returned home that I repeatedly asked Chase employees if ANY HELPFUL PROGRAMS existed to help pay down the credit card. It was not until I broke down into tears at a Chase branch before someone finally offered me the number to a third party loan-repayment program. This program that I entered shows on my credit report, limiting my opportunities and causing emotional stress, AND it costs me a monthly fee. I have since closed ALL Chase accounts. If Chase bank stopped my card once I reached the LIMIT that I had agreed to and been allowed, this would not be the current situation.
Product: Debt collection

Received letter from North Shore Agency that says it's collecting for XXXX XXXX XXXX. Number provided for North Shore Agency never lets you speak to a real person. I tried contacting XXXX XXXX XXXX directly and they say they don't have access to the information about such debts. We don't recognize the company name and the XXXX  listing for North Shore Agency makes me think this is just a scam they use to target people into paying money on debts that aren't theirs.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records falsely reflect several payments as late, despite the fact that they were made on time. These errors have remained on my credit report, unfairly damaging my credit score and causing unnecessary frustration.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Transunion violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion to reinvestigate this inquiry and verify on my consumer report if I have an account with them. 

TransUnion Case # : XXXX ( Remove False Inquiry ) Inquiry name : XXXX XXXX XXXX However, they stated everything was complete and accurate. So instead of them actually reviewing the actual consumer report they have on me they reached out to the XXXX XXXX XXXX to ask is " someone '' inquired to them. But how is that possible if I do not have any listed accounts ( credit card, installment, or anything ) with XXXX XXXX  XXXX. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructions15 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

After the flood  of   XXXX   2016 i n  Louisiana, W  ells Fargo  is refusing to release insurance money after completing 50 % inspection with a 65 % completion rating. They will only release funds to m y contractor who is responsible for labor only. I have submitted paid invoices showing credit card payment in the borrow 's name for cabinets and flooring. Still the mortgage company refuses to pay and says will only   release the funds after a 100 % inspection to borrow for the remaining amount that is over the general contractors estimate. This policy is not documented or explained but enforced internally in the mortgage company. This is a bad policy that harms the borrower who is with good faith upfront and transparent and  has complied with all request from the mortgage company. The mortgage company employee 's have three times submitted requests for funds to be released and somewhere in the management chain the request is d enied and borrower is not allowed to speak with the people that are making the decisions. Again this unwritten policy is harmful causing the borrow financial hardship.  I have paid out of pocket. 1 ) for flooring {$3700.00} 2 ) for cabinets {$14000.00}. I should have to wait months for 100 % completion to be made whole for the expenses that are paid out of pocket.
Product: Checking or savings account

Four days ago I received a text messaging -Regions : XXXX XXXX welcome to Regions! Your first message is waiting. XXXX XXXX XXXXXXXX Text help or stop. Msg & DataRatesMayApply Which I thought it was weird but I didnt pay mind. The day before yesterday I got mail to my house from the same bank regions saying that I cant take money from the atm yet because something was missing. So, I called regions today and one of the ladies asked for my ss and my name which I provided all the information. She told me there was an account opened with this information but there wasnt money there yet. They transferred me to their fraud department where they submitted a report. But when I asked them what kind of account the person opened the guy said he didnt see nothing opened. So I told him if nothing is opened how the previos person told me that it was and why is he doing a report. He just said that he couldnt speak for the previos person because he didnt know what he told me. Anyway, he told me to report it with you guys too because someone else is trying to commit identity theft with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Product: Credit card or prepaid card

Capital One is allowing a restaurant in XXXX, XXXX to charge me {$2700.00} USD for a transaction that was supposed to be in XXXX ( Pesos ), which would have roughly been {$130.00}. This restaurant ( XXXX XXXX ) also attempted to charge me {$4700.00} USD the same night. Additionally, XXXX XXXX attempted to charge my cousin over {$10000.00} USD on his credit cards and his company XXXX XXXX XXXX ) rightfully denied the charges. The restaurant does not have a signed receipt from me and never provided me an invoice or receipt. The restaurant in XXXX has many reviews stating they overcharge and double charge people. Capital One is refusing to address my concern and reimburse me the money that was fraudulently taken from me. Capital One is telling me I have to resolve the issue with the restaurant ( which is in a foreign country and has not responded to any of my attempts to contact them ). This is unacceptable that an American company is allowing a restaurant in a foreign company to steal thousands of dollars from an American citizen.
Product: Payday loan, title loan, or personal loan

I try to apply for a loan and they will not fix my profile so I can sign the loan documents.Customer service keeps hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Product: Bank account or service

Dear officer, First of all, thank you for your time on this issue. I got a mail-in offer from Citi bank XX/XX/XXXX with a promo code " XXXX '' to get XXXX XXXX XXXX miles. Then I went to one of the Citi local branch to open a Citi gold checking and saving account with that mail-in offer presented to the banker, but I am still having issue to get the promotional XXXX XXXX XXXX miles. 

I have communicated back and forth to more than XXXX different customer service reps at Citi bank, all of them confirmed that I will receive it by XX/XX/XXXX statement billing cycle, and I even got charged the monthly fee for waiting this long. Meanwhile, XXXX of the reps helped me to do a promotional investigation. On the first investigation on XXXX/XXXX/2016, it says " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. '' Which will get me the XXXX XXXX XXXX miles. But the XXXX investigation on XXXX/XXXX/2016 says " After reviewing the account records, we have confirmed your account is eligible for Promotion XXXX. A credit of XXXX ThankYou ( R ) Points will be applied directly to your ThankYou ( R ) Member account within 30 days. '' It was very unprofessional of Citi Bank and disappointed to see the XXXX research have a different promotion code other than the one " XXXX '', which I presented the promotion mail offer to the banker when I first opened the account. 

Then I contacted Citi back and forth for another 3 or 4 times and the case is still not resolved. I did see there is a XXXX thank you points deposited into my account. BUT, this is not my problem, my problem is I used the mailed in promo code " XXXX '' I got from Citi in my mailbox to open my Citi gold account in order to get XXXX XXXX XXXX miles. It was very unprofessional of Citi Bank to use the wrong promo code. The first research result I got on XXXX/XXXX/2016 and several customer service reps ' notes on my account confirm that I use promo code " XXXX '' to open the account and has met all the requirement. 

I have been waiting for Citi to give me results as the customer service rep filed another internal case for me. But somehow, my entire checking account got closed on XX/XX/XXXX without any notice from Citi bank. I found it out because that I have a foreign wire came in but got returned, I got a call from the sender to let me know the wire was got rejected due to the account was closed. Then I called Citi bank to ask why my account was closed, the rep told me it was inactive and got closed, which does n't make any sense. I even got charged for the return wire fee. 

And I am running out of patience to wait for another investigation since I really need to use the XXXX XXXX miles to book a family trip. I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. 

Thanks again for your time and have a great day! 
XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : 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, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit card

My name is XXXX XXXX XXXX. I opened a Discover Credit Card Account in the Fall of XXXX. I made my payments ON TIME and never missed a payment and NEVER LATE. Discover told me in XXXX of XXXX, that they wanted my permission to get access to my IRS Tax Files. That if I DID NOT grant them this permission, Discover would CLOSE my Credit Card Account without my permission or consent. I refused to give Discover my permission, and in Retaliation, Discover closed my account in XX/XX/XXXX. I DID NOT Close this account, nor gave Discover permission to do so. I believe that Discover has broken some kind of FEDERAL, STATE, or Consumer Laws with their closing of my account, not to mention that this has caused me PAIN and SUFFERING, Defamation of Character, hurt my credit and credit scores.I wonder what Other credit card companies will think of me as they see this action on-line through all 3 Credit Reporting Agencies ? I've found out that Discover has done this to numerous other people also. What can people like me ( I'm a 68 year ( XX/XX/XXXX ) old retiree and also a XXXX XXXX HONORABLE Veteran ) do about this, and who do we turn to for remedy and to keep GIANTS like Discover from HURTING Responsible people who pay their bills ON TIME and struggle to make ends meet? I recently heard on TV that XXXX XXXX and Discover plan to merge to make them the Biggest credit card company in XXXX for about XXXX XXXX Dollars. Discover isn't hurting at all, in fact they are THRIVING!!! I myself and my wife live on Social Security and other Retirement benefits from month to month to make ends meet. I've also have had to work Part Time and self employed just to get food on the table. What can people like me and others do to keep the XXXX in line? Who is out there to help us all??? Please HELP!!!