23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I hired XXXX XXXX XXXX ( XXXX ) to replace a sliding patio door in my living room. I took advantage of 0 % interest by applying for a credit card with GreenSky. During the following 24 months XXXX provided poor workmanship and caused substantial damage to our home. We had three major leaks from the new patio door and because of poor workmanship and incorrect advice from XXXX, it was installed and reinstalled four times. As a result, we no longer have the brand-new door XXXX agreed to provide us with. As a result of the leaks and substantial delays from XXXX, we suffered major damage and financial harm. We were unable to use our master bedroom for nine consecutive months, whilst mold testing and redecorating were carried out. At great inconvenience, we moved into our guest bedroom. During that period our daughter was unable to visit us, business colleagues were unable to stayover, and my brother, recently bereft of his fiance, had to stay in a hotel for his entire stay. 
We told GreenSky we were in dispute with the merchant several times and also told them not to post any charges to our account until the dispute was resolved. However, GreenSky ignored our complaints and paid XXXX the final payment for the door and charged our credit card. This took away any leverage we had with XXXX to complete the work and bring our home back to a livable standard in a timely manner. 
GreenSky sent an email to me on XX/XX/XXXX ( see attached ) saying that they had conducted an investigation. The rest of the email made no sense to me whatsoever. I responded to this email on XX/XX/XXXX ( see attached ) asking for clarification and also an explanation of the 10 % credit that appeared on my account. I also requested that all further communication be via email. 
After chasing GreenSky for a response to my email, they responded on XX/XX/XXXX ( see attached ) alleging that I had agreed to the 10 % credit in a phone call on XX/XX/XXXX. This is a false claim. I did not agree to anything as a resolution to my complaint and sent an email to respond on XX/XX/XXXX ( see attached ). 
Although I have requested all communication in writing they still continue to call me and only send very sparse emails without detail. 
As you will see from my emails, I have expressly disputed the entire balance of my account due to GreenSky 's mishandling of my account, which caused substantial financial harm and inconvenience.
Product: Vehicle loan or lease

On XXXX. I called and said I wanted to voluntarily surrender my car due to high repair expenses and high payment, and moving out of state and car would not make the trip.i was sent a form to fill out and send back, did that 2 weeks later was told they couldnt except that form and had to do another ( no explaination as why ) filled out second one and mailed back. 2 weeks later was told couldnt except that one, filled out another and faxed back, finally excepted. Told them car had to be picked up by XX/XX/XXXX as house sold and was closing date, I had already left for a different state. XX/XX/XXXX was called by realtor told car was still there buyer wouldnt close if car wasnt moved, had friend go get and take to his house. Explained car could be picked up any day after 5. Kept getting calls saying they couldnt pick up they refused to listen to instructions, it seems as if they were trying to stall, they then sent me a notification they were repossessing the car and went right away and grabbed it without the keys, they now listed on my credit report as repossessed and just called a few days ago asking for keys, can explain better with more space, it was a long drawn out process with many many phone calls. I also wanted to turn it in because Wells Fargo kept adding amounts to my monthly payment and I could never get an explanation, Id pay my payment and the next month Id owe a 100 more than payment and this went on until I was notified if my past due balance wasnt paid they would take action, my experience with Wells Fargo has been a serious nightmare
Product: Credit card

there is a fraudulent Account on my credit report in the name of Bank of America this is a unauthorized account and was opened without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove this account. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I sent XXXX dollars total to a sender on zelle from XXXX who stated they would send XXXX XXXX tickets. Ended up that they were not who they stated they were and never sent tickets. I have contacted zelle, XXXX XXXX, and XXXX and they have not been able to reverse the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Product: Debt collection

I XXXX am making this report in good faith and prays for the assistance from the CFPB. 
Kimball , Tirey & St. John LLP. is in violation of 40 of the FDCPA Laws as you can see in Exhibit A, B, C, D, E, F, G and H. 
I sent Kimball , Tirey & St. John LLP. As well as XXXX XXXX a debt validation letter on XX/XX/2022. 
Kimball , Tirey & St. John LLP. As well as XXXX XXXX failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Also, as you can see in Exhibit I and J the amount is reporting is different from Exhibit A & B. They are also reporting different to each credit bureau which are Violations of the FCRA. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$40000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about XXXX per experian. I had a XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers one day, the bill was roughly XXXX usd. I use XXXX but I went to a local XXXX XXXX bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use experian to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX XXXX  left on a bill. It has gone over 90 days. My credit went from XXXX to XXXX! Experian told me it was courtesy that XXXX XXXX would take care of it, I sent them a letter and they told me it would be taken care of. Experian has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. XXXX XXXX has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please Help me!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charged and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Innovus my consent to report any of my nonpublic private consumer information. This is Identity Theft and I hereby Opt-Out of any consent for Innovus to report my nonpublic private consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

I used Bluebird by American Express bill pay to pay my XXXX XXXX  Consumer loans account on XX/XX/XXXX ... .I found out 2 to 3 days later that it was sent to the wrong business. I canceled the transaction because it was the wrong business and the wrong address on XXXX XXXX XXXX. They told me it would be 10 days to investigate it. Today they told me it would be another 10 days to investigate even though I have no business with the company that " received '' the money. These people are holding my money hostage all while making my creditor wait for payment. This is damaging my credit. I WANT MY MONEY BACK NOW! They are collecting interest off my money at my expense this needs to be investigated!
Product: Debt collection

I was XXXX for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports are showing accounts being update on XXXX and XX/XX/XXXX when accounts were closed and discharged on XX/XX/XXXX 2017
Product: Prepaid card

I purchased a {$100.00} American Express eGift Card on XX/XX/XXXX via the amexgiftcard.com webite. After recieving the eGift Card, I read the American Express eGIFT Card Cardholder Agreement, activated the card, and printed it out. I have attempted to use this eGift Card numerous times online and in-store without success.I have attempted to use it at establishments such as XXXX, XXXX XXXX, XXXX, XXXX, and TXXXX XXXX XXXXXXXX to name a few. Every single transaction has been declined.I have contacted American Express Customer Care numerous times with no resolution to this issue : XXXX called the AMEX Customer Care # for Gift Cards which only gives a recorded message and no option to connect with a live agent. I continued to try to use the eGift Card at various establishments without success. 
XXXX I called other AMEX Customer Care contact numbers I found online , I was connected to a live agent who advised me to send a screen shot of my eGift Card, a copy of my purchase receipt, along with a signed letter requesting a full refund to XXXX ( along with a reference # for the case ). I did this on XX/XX/XXXX and received an email confirmation that my documents were received. 
XXXX received an email from XXXX advising me to " call customer service for an update on my eGift Card ''. I called the representative at the number listed and was told that the AMEX eGift Card refund had been rejected. When I asked why, the representative could not give me a reason. I requested to speak to a Supervisor for an explanaton. The Supervisor advised me that I am ineligible for a refund " because I bought the eGift Card online ''.

I pointed out to him that the AMEX eGIFT CARD CARDHOLDER AGREEMENT states ( in the last paragraph of the document ) that " ..prior to using the eGift Card, you may request and obtain a refund of the value of the eGift Card.. '' ... ..At this point the Supervisor said he would " escalate my call '' and I was placed on " hold '' for well over 30 minutes-there was complete silence on the other end of the line-no one ever came back on to speak to me, so I hung up. I called another Customer Care AMEX number I found on the XXXX website and s/w another agent who looked up my account and said " you are not eligible for a refund ''. When I asked for further clarification, she was unable to provide any further information. Again, I requested that my call be escalated to a Supervisor and was placed on hold for 40+ minutes. No ever came back on the line to speak with me, so at this point I hung up. 

I am requesting that American Express refund me in the amount of {$100.00} ( eGIFT Card value + the processing fee I was charged at the time of purchase ).
Product: Mortgage

My credit report shows that I have or had a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing, in the amount of XXXX and opened in XXXX 2006. I request that Homeward Residential f/k/a American Home Mortgage Servicing respond to the Debt Validation Letter and the QWR letter attached to this compalint. I have never signed a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing. I am attaching a copy of my mortgage and note for reference. 

This goes back to my original theories that no one knows who exactly owns my mortgage and note and that all documents used, i.e., Assignment of Mortgage, etc. are all fraudulent. 
I want this investigated and I want answers.
Product: Debt collection

XX/XX/2020. Spoke with XXXX XXXX XX/XX/XXXX. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian of incorrect personal information. I also have called and they do not have live representatives. Their phone system routes you in circles without resolution or live help. 

My address is not showing correctly with Experian. They show an old address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. This incorrect address prohibits me from reaching them as their system is not able to validate me. 

In addition there are aka names listed that are not mine such as XXXX XXXX. 

They are also reporting that I have no active accounts but I have XXXX XXXX for a credit card and a car loan that they do not provide the current activity for. 

Please help me resolve this. My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX***** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt or credit management

In XXXX of XXXX I received a flyer via US mail from XXXX XXXX XXXX about debt negotiation/reassignment. I was interested so I called them and they took all of my debt & current income information to determine if I qualified. I did and they scheduled a notary to meet me at my work on XX/XX/XXXX to sign the paperwork. Initially I had {$38.00}, XXXX of debt so my monthly payments would be {$670.00}. They were deducted from my bank account and held by XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be handling my account. My first payment came out on XX/XX/XXXX. In XX/XX/XXXX I added another creditor and my payments increased to {$740.00}. I was told it would take 7-9 months before my first debt was settled and I was not to make any payments to any of my creditors directly anymore. So I stopped paying, my credit score decreased significantly, and things started to go to collections. In XX/XX/XXXX I called to inquire when my debts were going to started being paid & I was told they were in settlement talks with XXXX XXXX and hoped to pay them by the end of the month. I called back at the end of XX/XX/XXXX and would be on hold for 30-60 minutes and never get to talk to anyone. I would email and I would get an automated response back that I needed to call customer service. Finally on XX/XX/XXXX I did an internet search on XXXX XXXX XXXX and discovered they were a part of a lawsuit with the United States XXXX for the Western District of New York case XXXX for deceptive business practices. From XXXX XXXX XXXX  all of my payments were being put towards monthly fees, admin fees, and retainer fees. {$4200.00} has never been used to pay off any of my debts. In XXXX XX/XX/XXXX my payments were still being taken but not applied to anything. At this point I contacted XXXX XXXX to withdrawal the money I still had in my account and sent over a cancellation letter to XXXX XXXX XXXX firm on XX/XX/XXXX. I then received and email stating they were currently under a XXXX  and could not maintenance any current accounts. I want my {$4200.00} refunded as they preyed on those already in financial distress and just made it worse for their own benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information : XXXX XXXX XXXX XXXX Balance : {$7400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts are not mine XXXX  XXXX  A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see some unauthorized inquiries on my credit report with Experian, I tried to dispute online but it cant work, when I call they put me on hold forever. 

here are the unauthorized inquiries that need to be taken off XXXX XXXX XX/XX/2019 XXXX XX/XX/2019