23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX, XXXX. company representative XXXX XXXX visited my home on XX/XX/2017 at XXXX for an in-home solar system consultation. Once I seem insterested in the solar system, XXXX XXXX requested my information to run a credit check. He then had me sign a contract but insisted there was a 3 day concellation period prior to moving forward. That evening I contacted XXXX XXXX and told him I was n't comfortable with the contract and would like to cancel it until I could get further details on the pricing. XXXX XXXX said he would call and cancel the contract, but would like come to my home on Sun XX/XX/2017 to answer any questions I had, and to possibly do another contract. I asked XXXX XXXX for detailed invoice of the items that were included in the contract, which he said he could not provide. XXXX XXXX stated it was company policy not to provide detailed invoicing. 

On Friday evening I felt like I was getting the run around, and went back through the paperwork XXXX XXXX me sign. At that time I noticed the paperwork included a Cancellation Certificate that had to be completed within 3 business days. I printed and filled out the Cancellation Certificate and took it to XXXX on the morning of XX/XX/2017 at XXXX. The Cancellation Certificate was submitted by facsimile at XXXX and notorized by the clerk at the store. On XX/XX/2017 XXXX XXXX and I could n't reach an agreement on the pricing and billing practices of XXXX, XXXX. when he came by home. XXXX XXXX once again assured me that my contract with XXXX, XXXX. had been cancelled. 

The Cancellation Certificate that was sent by facsimile stated : " To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a facsimile to XXXX by XX/XX/XXXX. '' I received a letter dated XX/XX/2017 from GreenSky, XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/2017 that stated : " Thank you for Financing your XXXX Project with GreenSky. 

When you agree to the terms of the Loan Agreement and are ready to make your purchases, give your account number, expiration date, and photo ID to your contractor. Use of the Shopping Pass or the associated Installment Loan to make a purchase constitutes acceptance of the terms of the loan. 

After your first purchase you will receive monthly statements. 

You have zero liability for transactions that you did not authorize. Please monitor your statements and contact us at XXXX to notify us of any unathorized transactions. '' Next I received a statement from GreenSky on XX/XX/2017 for the period ending XX/XX/XXXX which showed a new balance of {$22000.00}. The statement listed a purchase on XX/XX/2017 with a description of " GreenSky Direct Transaction - XXXX, XXXX ''. The statement also listed a interest charge of XXXX. 

I never authorized GreenSky send a direct payment for {$22000.00} to XXXX, XXXX. I never signed a contract with XXXX, XXXX. I cancelled the contract with XXXX with in the 3 day period. I contacted GreenSky and was told someone would contact me within 3 business days. I do n't understand why they GreenSky would send any funds to anyone without authorization.
Product: Mortgage

The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX  XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. 
That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently went to check my credit report and noticed I have a collection of {$770.00} from an company called ( FINANCIAL CREDIT NETWO ) Date opened : XX/XX/2022 Account Number : XXXX I proceeded to contact the company ( XXXX ) XXXX I spoke to one of there representatives told them I didnt recognize who they are or the debt they were asking me to pay & i ask them could they remove the Collections they told me not without paying they and they denied my request They state that my current status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX This company has responded to the above claim with the attached documents. These documents in no way show any commitment on my behalf to pay this alleged debt to this creditor. In fact, these documents do not even include the name of the creditor that is alleging this debt and reporting on my consumer report. A logo does not suffice. The documents that this company has sent via USPS do not include any contractual agreement between myself and any of their dbas in any way shape or form, as was admitted in their previous response. This reporting is causing issues with my ability to acquire essentials because of this negative reporting and defamatory remarks on my credit. Again, this company is violating several FCRA laws in addition to my consumer rights by reporting this inaccurate information and refusing to remove it.
Product: Money transfer, virtual currency, or money service

See attachment for specific details : Unauthorized charges, incorrect billing/credit to accounts, constant run around and neglect to resolve issue in reasonable time on Chases 's  part.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX
Product: Credit card

We are in the middle of a huge Identity Theft, Fraud, and Financial Exploitation case. We have contacted numerous credit cards companies to resolve these issues that have been properly reported with all departments. The are either never available to discuss the fraudulent charges, or do not communicate with us directly if they have a question. XXXXXXXX XXXX XXXX XXXX actually was dealing with a blocked number, and the phone number of the individual that we have our case against and they were removing charges off of my card. XXXXXXXX XXXXy refuses to send statements, but keeps trying to put me in collection. XXXX XXXX negatively impacted our credit scores by claiming they ran a credit check and took my available credit from {$13000.00} to {$250.00} with overdrafted my account. When did the victims become the ones that aren't being helped? Our credit scores have gone from the mid to XXXX XXXX 's to low XXXX 's in a couple of months. I don't know what to do with the credit card companies. They never ran a credit check. XXXX froze our socials. You can't pull that information, so why lie or do something to cause more harm to the victim in all of this. I am at a loss. The credit card companies are killing our credit score, and none of this is our fault. Any Assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ALL HARD INQUIRES has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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: Bank account or service

On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Mortgage

I have already written to you about my issues with PHH Mortgage. They claim that the wire transfer of my payoff was received by them from the home buyers attorney, XXXX XXXX, on XX/XX/XXXX without the mortgage account number, and that they sent it back in XX/XX/XXXX. Her bank says it was not received by them until XX/XX/XXXX, and even though I have repeatedly authorized them to directly communicate with both my attorney, XXXX XXXX, and attorney XXXX XXXX, they refuse to communicate with either. I want to resolve my own situation and also to warn all consumers to stay away from this company.
Product: Mortgage

I'm in the process of refinancing my home loan and my current mortgage company refuses to send me or the new loan company the payoff amount for my current home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1XXXXk XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i 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. This company 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: Debt collection

I have two store credit cards with Comenity Bank ( XXXX XXXX  and XXXX XXXX XXXX ). Lately theyve been calling 6 times a day so I assumed three calls per each card ( which is still excessive ). However, today on XX/XX/2023 they called me at XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PM, and XXXX. After they called the first three times, I started blocking the numbers and they started calling from new numbers. I have intentions on paying my bill next week. I just would like the excessive calling to cease. They also are calling from blocked phone numbers all day, but I can not prove its them because it says no caller ID.
Product: Debt collection

I am consumer XXXX XXXX, my federally protected consumer rights have been violated by AMCOL SYSTEMS. AMCOL SYSTEMS is a third party debt collector and did not have my direct written consent to contact me regarding alleged debt which is in violation of XXXX XXXX. XXXX  ( a ) of my consumer rights. AMCOL SYSTEMS, has obtained my personal information without my consent and is a breach of my individual privacy under congressional findings of XXXX XXXX. XXXX ( a ). Reporting and having my information without my consent is identity theft. AMCOL SYSTEMS can be held civilly and criminally liable for these actions. I do not owe any debt and I am the consumer under XXXX XXXX XXXX  ( XXXX ), I am not obligated to pay any debt. AMCOL SYSTEMS is in violation of XXXX XXXX XXXX  ( XXXX ), they have gained my location information and did not get permission from the consumer or anyone that is close and knows the consumer. AMCOL SYSTEMS states that the consumer owes a debt in which is a violation of XXXX XXXX XXXX  ( XXXX  ), debt collector must not state that a consumer owes such debt. The alleged debt that was sent is in a positive balance in which means you can not pay on a balance thats already paid, this is false and misleading and in violation of XXXX XXXX. XXXX ( XXXX ) ( A ). 

Cease and Desist was sent and received by AMCOL SYSTEMS with a tracking number of ( XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. Experian and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

On XX/XX/2025 I was sent some money from my sister in Venmo to pay my rent.Once I received the money and tried to transfer funds to my bank account they froze my account they amount was {$890.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 a account without my written instructions
Product: Student loan

I tried to make a loan payment and my payment was declined in error. I spent 45 minutes trying to make a call and once someone picked it up, they hung it up. The automated line even asked me to provide feedback on a customer service rep who never picked up the phone. If I can't pay my loans, I will be charged interest on loans unfairly that I'm trying to pay off. This will unnecessarily cost me money if not resolved immediately.
Product: Checking or savings account

On XX/XX/2021 my bank charged me too overdraft charges when no overdraft occurred. I have called them to ask that they credit me, which they did on the one but stated their system would not allow them to credit me the other. As you can see my balance before they charged me overdraft fees was {$270.00}. This printout ( attached ) is what I pulled from my computer. There shouldn't be two balances, what I see and what they see, there should only be one correct balance. And if they are going to use a different balance, that is what should be shown to their customers. Though not sure how there would be two balances in the first place. 

I asked them how they are even able to charge fees when no overdraft actually occurred - according to their records- which I accessed my computer ( attached ) and phone. 

They said what I can see on my phone shows a different balance than what is actually in my account? This is ridiculous, a bank that wants you to do all of your banking via your mobile, doesn't give you the correct balance information? How is one supposed to be able to accurately track their balance information if they don't show you the correct information? 

This isn't the first time they have done this, they have done it numerous times. I think this agency really needs to do more to look into Bank of America 's practices, what they seem to be doing doesn't seem legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting XXXX XXXX on my credit report this is not my account
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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  has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX