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

On XX/XX/XXXX I was approved for a loan totaling {$4700.00} for plumbing repairs. Greensky was recommended as a lending affiliate by the plumbing company, and the loan was advertised as interest free if repaid within the first 18 months. Otherwise, the loan would be subject to interest of 25.30 % APR. 

The originating transaction for {$4700.00} posted on XX/XX/XXXX, after repairs were completed. 

In XX/XX/XXXX, I began making monthly payments of {$260.00}, ensuring the principal would be paid in full within the 18-month promotional period. 

I recently logged into my Greensky account and noticed that despite being within the 18-month promotional period, I have been charged an exorbitant " Finance Charge '' each month since XXXX : XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$91.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$81.00}
Product: Credit reporting or other personal consumer reports

There are several fraudulent accounts being reported to my credit report that are not mine. I've never had accounts with these creditors, and never authorized anyone to open accounts with these creditors. I've tried multiple times to dispute these accounts to no avail. 

XXXX XXXX Date opened XX/XX/XXXX {$140.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Date opened XX/XX/XXXX {$190.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- - GRAIN XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$6900.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX {$1400.00}
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 charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX IN. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Also, under the 15 U.S. Code 1681b Permissible purposes of consumer reports, every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. This account is listed eleven times. 
XXXXXX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX CapXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and dXX/XX/XXXX XXXXFurthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

Portfolio Recovery has made repeated phone calls several times a day, sometimes after XXXX XXXX Some from portfolio recovery, sometimes from different numbers. Ive tried to answer and ask them to stop calling but then there is no one there. They have also called family members. They have not sent ANY documentation, only harassing me with phone calls. They need to stop.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

Wells fargo has decided to pay my flood insurance through my escro account, approx {$550.00}, for the last two years to an independent insurer I hired and negotiate with. Prior to that i pay the insurer who pays Wells Fargo. they also upped my mortgage payment by {$75.00}. Raising property taxes is very little and flood insurance do n't match the increase. Going through XXXX WF said they had no paper work regarding flood ins other than last two years. ( did the XXXX erase ). Prior to that they listed excuses detailing why i could n't independently pay for it, all totally bogus of course. I can prove Ive been paying an insurer for years and Wf claimed in XXXX reference they had always paid it my response was then you owe me over payment money. Have n't had an escrow balance sheet in a long time. The new payment disrupted my other payments. XXXX recommended you saying that they do n't have authority to do much. They never talked to me about this insurance or my escrow.
Product: Mortgage

I have been approved to refinance my home with a different lender than my current lender. Current lender is PNC Bank, new refinance loan lender will be XXXX XXXX XXXX. I have been told by XXXX  that PNC will not send over the 30 day payoff as they have requested multiple times. I have also personally been requesting such payoff for almost 2 months now and PNC will not send a 30 day payoff. Instead they sent one payoff by mail ( it was requested via fax ) and it was a 10 day payoff not a 30 day payoff. Every time I call PNC to request yet, another 30 day payoff I am met with brutal questioning and attempts to lead me to a refinance officer within PNC even though I am very clear of my intentions to refinance with another lender.

Since all this has been going on over the last 2 months, PNC has pulled double payment from my checking account 2 times, and they will not reverse or refund the funds they pulled from my account. My checking account credit union told me since the funds were pulled ( requested ) on  PNC side they couldn't undo the transaction. All of this leaves my account short XXXX $ and during these hard times of covid I could have used this XXXX $ for my other bills. I had zero intentions of paying an additional XXXX $ to my mortgage that I am in the mix of refinancing with another lender. I have written and called and emailed PNC but no one will solve the issues mentioned above. I am still without a payoff that is good for 30 days, even tho I requested a fax for one again yesterday. Any insight on how to get this resolved is appreciated and I just want the option to be able to refinance my home without being robbed via double mortgage payments each month. I feel as if I am being punished and robbed by PNC because they know I am refinancing my mortgage with another lender. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I was shocked! Where these accounts came from? I never used them. I dont understand why you put it on my name! I think someone hacked my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX   XXXX ( ORIG CREDITOR : 06 XXXX ), XXXXS ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX ),
Product: Credit card

On XX/XX/year>, Synchrony Bank lowered the credit limit on my Lowes credit card from {$20000.00} down to {$1500.00}. Then on XX/XX/year>, they closed my Lowes credit card. Both actions were done without any warning and in a span of just 3 days from each other. 

When I called Lowes on XX/XX/year>, spoke with supervisor XXXX, ID # XXXX, and asked him why first slash the credit limit like that and then close the account 3 days later, he told me that : 1 ) Both decisions ( to lower credit limit and to close the account due to inactivity ) were fully automated, without any human review, decision or approval ; 2 ) These decisions can not be reversed no matter what.

I feel that the practice of lowering the credit line due to inactivity and then closing the account due to inactivity 3 days later with no warning, is highly deceptive. This is because, after I saw the credit line decrease via my own credit monitoring, I was deceived by it into thinking that the " action due to inactivity '' has already been completed, and that now I have a few weeks or months to use the card again to show activity. I was in fact planning to use the card in a few days to purchase some filters for my furnace. I could not have possibly expected that my account of 13 years with perfect payment history would be abruptly closed 3 days later. 

I also feel that it is not right to entrust such decisions that can result in damaging one 's credit history to an automated system- without any human review! - and then to advise that the decisions taken by said automated system without any human review can not be reversed no matter what.
Product: Money transfer, virtual currency, or money service

I am filling 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 to take timely and effective measures to prevent and address fraud on their platform, leaving my account voluntary and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX Is allowing XXXX companies by the names of XXXX XXXX and Investment Retrievers to report the exact same collection account, They are not complying with U.S. Code 1681 ( a ).
Product: Credit reporting or other personal consumer reports

I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of XXXX, that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent XXXX total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.
Product: Credit reporting

I mailed and faxed a complaint to Equifax back on XXXX XXXX, 2015. I have yet to receive a response and have provided them with proof that the company that I 'm disputing is no longer in business. I would like the account in question removed from my credit due to FCRA violation of not investigating within a timely manner and the fact that the account is unverifiable.
Product: Debt collection

On XX/XX/XXXX, I called in an " Early Cancellation '' to my XXXX XXXX XXXX  Account # XXXX  for our Internet/Phone/XXXX XXXX XXXX. XXXX XXXX XXXX  advised that I was to pay a {$200.00} early cancellation fee, which I accepted.

On XX/XX/XXXX, at XXXX XXXX   # XXXX, I returned all the XXXX XXXX XXXX equipment and XXXX   accepted. I have the XXXX XXXX XXXX XXXX XXXX Return Receipt w/Reference Number XXXX as proof of all equipment being returned.

I kept receiving statements with amounts due for services after my cancellation date of XX/XX/XXXX. I called XXXX XXXX XXXX XXXX Customer Service several times complaining that the account had been cancelled, therefore I saw no charges owed. One Representative stated that the statement was wrong because the entire " cancellation '' credits had not been done yet ; it was suggested that I wait for the final bill. On XX/XX/XXXX via telephone w/Rep. XXXX, Rep. # XXXX, I paid a total of {$210.00} w/confirmation # XXXX which was my total balance due. I even called to re-confirm that XXXX XXXX XXXX had received my returned equipment and that the balance was -XXXX-. Then, I continued to receive statements with a balance of {$230.00} which I argued w/XXXX XXXX XXXX that I did not owe due to the fact that all my services were cancelled on XX/XX/XXXX. I REFUSED TO PAY FOR SERVICES THAT I DID NOT HAVE.

Then the harassing calls start to come in constantly! XXXX XXXX XXXX  kept stating that I owed the amount of {$230.00} for services received and I did not agree.

I received a letter from Franklin Collection Service , Inc. dated XX/XX/XXXX. I called Franklin Collection Service on XX/XX/XXXX and specifically told the Agent that I did not owe XXXX XXXX XXXX any such sum. I explained that if they could prove that I owed a charge that I would gladly pay it but that I would not pay for service charges after my cancellation date ofXX/XX/XXXX. That's when I was told that the amount owed was due to XXXX XXXX XXXX receiving a piece of damaged equipment which was {$150.00} + services in the amount of XXXX, which totals to {$230.00}. THIS IS THE VERY FIRST TIME THAT I WAS NOTIFIED OF A DAMAGED PIECE OF EQUIPMENT. All the harassing calls from XXXX XXXX XXXX   were for {$230.00} for services received. If in fact, XXXX XXXX XXXX   received a damaged piece of equipment they should have taken that to XXXX because I handed all my equipment and XXXX  accepted it without stating any damages.

XXXX XXXX XXXX XXXX   Billing Department kept increasing the monthly amount owed without a satisfied explanation. This is the main reason why I cancelled my account with XXXX XXXX XXXX.

The fact that XXXX XXXX XXXX kept sending statements with a balance due of {$230.00} after the cancellation date and now they claim that the amount of {$230.00} is for receiving damaged equipment, is not acceptable. If in fact, XXXX XXXX XXXX received 1 damaged piece of equipment, why was I never notified? XXXX XXXX XXXX has been over-billing and incorrectly billing customers for many years, it is time for that to stop.
Product: Debt collection

paid off debt for XXXX sent me to collection for paid bill wo n't remove item.
Product: Credit card

Us bank. 
XXXX  months ago I already bought in XXXX for XXXX , I pay all bills in time, but I can't use my card, I always have declined, the bank doesn't say anything ; they promise to call me back and that's all.
Product: Mortgage

Our mortgage company refuses to drop our PMI, even though our " Automatic termination date '' has come and gone on XX/XX/XXXX. After we sent verbal and formal written requests for it to get removed, we received a letter asking us to either pay down the principal by over {$36000.00} or pay them directly for a new appraisal. We have always been current with our payment, and our property has experienced significant appreciation in value since we bought it in XXXX. 

The Automatic Termination Date has the following conditions, all of which we fully satisfy : - submit a formal request - be current on payments - certify that the property has not DECLINED below the original value and there are no additional liens.
Product: Credit card or prepaid card

On XX/XX/XXXX I was given a {$150.00} Vanilla Visa Gift card for my Birthday. I went to use the card on XX/XX/XXXX and the purchase was declined. I called the number on the back of the card and learned that the card was used at a XXXX store in XXXX, CA on XX/XX/XXXX for {$110.00}. I live in the state of CT. The card was purchased in CT. I was trying to use the card in CT. I filed a dispute with Vanilla Visa Gift Card Co on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX at XXXX ( Parent Company ) that they would not be refunding my money at all since supposedly the card was physically presented at the XXXX store at the time of purchase. Thereby, absolving them of any responsibility. I can prove I was not in California on the dates in question. Again, I have the card in my possession. 
Additionally, per their automated message, as soon as a complaint is filed, any balance left on the card is frozen while the complaint is investigated. The card was used AGAIN well after the complaint was filed. This time in XXXX XXXX, CA on XX/XX/XXXX at another XXXX for the remainder of the card balance- {$35.00}. Somehow this money is getting refunded to me per XXXX. Small consolation in the grand scheme. 
I want a refund of the {$110.00}. I have filed a complaint with the XXXX XXXXn Georgia, where the XXXX headquarters are. Last I saw the company has yet to respond to this complaint. This is outrageous that I should be penalized in any way for fraudulent activity they allowed. Whether the card was duplicated, the numbers were stolen, whatever, the company should be responsible.
Product: Debt collection

For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.
Product: Money transfer, virtual currency, or money service

A man created a fake ID on XXXX and offered to sell me something. He told me I had to use PayPal to send him {$160.00}. PayPal sent a notification that the recipient would receive the funds on XX/XX/XXXX. Then the recipient told me I had to send another {$100.00} for insurance. I declined and asked for my {$160.00} back. It was then I realized that the user ID was fake. On PayPal I could see that the user was not who he said he was on XXXX, but rather a foreign agent. He then disappeared from XXXX and blocked me. I asked PayPal to cancel the transaction and they refused. Transaction ID : XXXX I recommend that people do NOT use PayPal because it is not secure and they perpetuate fraud. They enable foreign agents to perpetrate fraud on American citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>