23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SUMMARY OF EVENTS ( Please see Appendix for more detail. )   XXXX   XXXX   XXXX   was hired to replace  5  double hung windows and  1 pic ture window.  XXXX  installed the 5 double hung windows however the correct picture window was ordered incorrectly by the company. The company scheduled an install date for the correct picture window however  XXXX  went bankrupt before the installation took place.  Green Sky  financed the job and is trying to collect the full debt although the job was never complete. I 've gone through the proper steps to dispute this debt ( twice,  Green Sky  lost it once  ) with Green Sky  because they are aware of  XXXX  's closure. They " reviewed '' the dispute and denied any correction. They never provided verification to proof the debt and they are reporting my debt to collections even though it is under dispute and they have been notified by my lawyer of their representation.  <P/> As you can see in the attached References - the total cost of the window installation was {$7200.00}  (  REF 'A ' ).  Reference 'B '  illustrates the upcoming planned transactions outlined by  XXXX   .  The plan was followed correctly and the down payment of {$720.00}  ( 1 0 % of  XXXX  ) was made on  XX/XX/XXXX  ( as shown on  REF 'C ' ). T he first GreenSky transaction was to take place at the time of " Scheduling '' ( as shown on REF 'B ' ).   As you can see, the transaction took place on  XX/XX/XXXX  ( REF 'E ' ).   The final transaction of {$2800.00} was to take place upon " Installation '' ( as shown on REF 'B ' ). As you can see, the final transaction was {$1600.00}  ( not {$2800.00} )  and took place on  XX/XX/XXXX  ( REF 'F ' ).  XXXX   XXXX , Supervisor at  XXXX , negotiated {$1000.00} off of the total purchase price as a result of the FIRST failed attempt on ordering and installing the correct picture window. There was an additional {$200.00} reduction ( total of {$1200.00}  )  because we opted not to wrap our window sills in aluminum.   {$2800.00} - {$1200.00} = {$1600.00}  (  REF 'F ' ). This is the final obligation of funds even though the work was not completed again on  XX/XX/XXXX  on the second attempt of installation ( REF Eve nt 7 ).  The third installation attempt was scheduled for  XX/XX/XXXX  ( REF 'G ' ). This event never took place and we were notified on  XX/XX/XXXX  of  XXXX  's apparent closure. The correct picture window was never installed by   XXXX   XXXX   XXXX   because the company went bankrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion file number XXXX date XX/XX/XXXX shows XXXX on page 10 of 11 XXXX XXXX XXXX 0n XX/XX/XXXX i have ever applied or requested no car loan or no home equity loan or Mortgage. XXXX XXXX need to show documents or where these suppose to be loans was inquired or requested by me with documents or my signature for a loan. I have also filed with the US Attorney as well as DOJ on this company with no documents on there half to show proof of me requsting anything or services from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with XXXX, XXXX, and TransUnion, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, TransUnion, and XXXX remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.
Product: Credit card or prepaid card

I received a TD Bank/Target XXXX credit card on XX/XX/22 which I did not apply for. Called Target 's fraud department and informed them of the situation. They are cancelling the account which had {$550.00} of charges on it. 

They stated that the application had my correct name, address, SS # and birthdate. Incorrect information were my phone # and drivers license #.
Product: Credit card or prepaid card

I have been an XXXX XXXX card member for 20 years when XXXX was using XXXX  XXXX XXXX as their finical bank for their credit card. I never had a problem and thing always worked just find in receiving my money for Cash Back points earn on purchases, etc. Recently, XXXX change banks ( About a little on a month ago ) they now use Comenity Capital Bank to manage their XXXX XXXX XXXX credit Card without any notice given to the consumers. How I found out was when I went to login my account and I couldnt get in. I had to call to find out why. They gave me a number to call and said, everything including my points earned, outstanding balances, payments made online, etc. were transferred to the new bank called Comenity Capital Bank. On XX/XX/XXXX, I transferred some of my points form Comenity Capital Bank to receive {$190.00} wired to my checking account ( Information they have on file ). After not seeing the money transferred into my checking account. I called them inquiring about the transaction of {$190.00} not showing up in my checking account. But it shows on my credit card statement that the transaction was made, and the points were deducted from my account. Credit. But no money was transferred to checking account. In the first call, they said, it takes a few days to show up in your account. So, I gave it a couple of weeks. I still didnt see it there. I called again. That person said, it takes about 10 days for the wire transfer to get to your bank and with the holiday being on Friday the XXXX it should be there on the XXXX of XXXX. I checked again, and sure enough it wasnt there. So, I decided to wait a few more days to give it some time. I called again today for the third time. This person said, you need to contact your bank and asked them, we wired the payment out on XX/XX/XXXX, and it should have transferred over on the XXXX. I asked him for some information like transfer # or something I could provide the bank. He replied, I dont have that information. Your bank should know. So, I contacted my bank and they looked into this and even sent me an email follow up stating there is no transaction from Comenity Capital Bank to me for the {$190.00}. I called again, and the person on the phone said, i will open a depute and someone will call you in XXXX hours. It was Wednesday the XXXX and XXXX being the next day I waited for the call on Friday the XXXX of XXXX. No phone call. I called the next day Saturday the XXXX and this person who answered the phone said, I don't see any depute on this account. I will do it for you now, I asked how long it would take to resolve this issue. He replied, anywhere from 30 to 90 days. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion on XX/XX/year>, and was marked as verified on XX/XX/year>. Additionally, I request the immediate removal of this account if the process cannnot be validate based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601.

Disputed Account Information : Account Name XXXX XXXX XXXX Account Number : XXXX File Number : XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or DELETED promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 
*Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information
Product: Vehicle loan or lease

I obtained a loan from XXXX XXXX XXXX for the purchase of a car from Carmax on XXXX XXXX XXXX within the three day cancellation period, I cancelled the {$680.00} GAP Insurance. 

The {$680.00} has just now, on XXXX  been processed by XXXX as a payment instead of a refund or cancellation, which charging me {$19.00} finance charge for money that I did not borrow. 

I have contacted XXXX requesting the finance charges be refunded, but they refused. 

Carmax and XXXX are taking advantage of customers.
Product: Money transfer, virtual currency, or money service

I opened a merchant processing account on XX/XX/XXXX with XXXX  XXXX ( part of Fiserv ). I have provided all the personal and business information they asked for, for their due diligence and approval process. According to the agreement they would transfer funds within 48-72 hours. They randomly and sporadically transferred small batches of funds to my account. Emails from their " risk department '' were very unprofessional and suspicious to a point that I though it was fraud. I supplied additional information they requested showing prior transaction history with other companies, showing low risk profile evident by no chargebacks or disputes. Customer service was the worst with wait times over 30 minutes every time I called. Sometimes they would not answer at all and no calls back received. I closed the account on XX/XX/XXXX. They processed a total of {$110000.00} for me. It has been 2 months since transactions occurred and no chargebacks or disputes were received for the amount they processed for me, as of today. They are holding the remaining {$31000.00} without any explanation. The only explanation I received was they are holding money for " risk purposes ''. Numerous attempts to reach customer service or salesperson were unsuccessful. No one returns call or emails and its impossible to reach anyone as wait times every time I call is over 30 min and then it just goes to voicemails. 
This company is part of Fiserv, a XXXX and payments company with solutions for banking, XXXX XXXX
Product: Debt collection

Two items have has been placed on my credit report by LVNV Funding LLC, that is fraudulent and that I had no prior knowledge of. This matter didn't arise until myself and my expecting fiancee were denied housing because of this matter. I have now retained legal representation in regard to this damaging issue and am seeking a removal of these item ( s ) from my credit report, while this matter is being pursued further. If these items are not removed or deleted from my credit report while being investigated and reviewed, action will be taken by legal counsel against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX - I did not give this company permission to make a hard pull on my credit. 
XXXX  XXXX This company did not have permission to make a hard pull inquiry. 
XXXX XXXX This company completely fraudulently made a hard pull on my credit. 
XXXX XX/XX/XXXX- I am completely unaware who this company is and they did not have permission to pull my credit. 
XXXX XXXX  XX/XX/XXXX XXXX I am completely unaware of this company and they did not have permission to pull my credit. 
XXXX XXXX XXXX  XXXX I am completely unaware of this company and did not give them permission to pull my credit.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Credit card or prepaid card

I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019. 
I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account. 
On XX/XX/2019 I received balance transfer checks in the mail. 

However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result. 
I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ). 
Absolutely no response. 

Why is this bank allowed to commit this kind of deception in the US?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX/XXXX  XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILYXXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In around XX/XX/XXXX I submitted an identity theft report to TransUnion and XXXX via upload service, to block and remove fraudulent accounts as a result of identity theft, as identified in USCS 15 SECTION 1681c-2 BLOCKING INFORMATION. I provided a social security card and Driver 's License. Although after calling both reporting agencies the following week of XXXX of XX/XX/XXXX. 1st TRANSUNION. " Specialized Fraud Team in which I was told that we reviewed your Fraud Dispute and determine that my FTC report does not meet our requirements and was not blocked, I was also told that contact the furnisher of the information to resolve it. So On XXXX Side I was advised that it will take 30 days to removed which is our policy but keep in mind XXXX disregarded 15 SECTION 1681c-2. Nevertheless, I tired of going back and forward TransUnion should have learned it's lesson in a Case in 2021 TRANSUNION V. RAMIREZ IN A SIMULATOR SITUATION. I WANT JUSTICE AND I WHAT THESE ACCOUNTS REMOVE AS REQUIRED BY LAW IN THE TIME FRAME BOTH I WAST TRANSUNION AND XXXX TO HAVE FINES AND PENALTIES APPOSED BECAUSE I HAVE ALL THE EVIDENCE ATTACHED
Product: Debt collection

Midland Credit Management went to an address and served a woman who is a stranger papers for me. The lady had all of my information and found me on XXXX and sent me a message. I then gave her a phone call and she let me know that some lady rang the doorbell and made her sign the papers telling her she was served and the woman is not here legally so she was freaking out I had to calm her down. I called the courts and told them what happened as I also live in XXXX now so they dropped the case. 

They served someone else papers meant for me! They made her sign these papers that had ALL of my person information on it! 

Not only is this completely unprofessional but completely illegal. The lady sent me ring footage of the encounter as well and I let the lady know she has every right to seek counsel and sue. 

I need this taken off my credit immediately before they pull something like this again.
Product: Credit reporting or other personal consumer reports

I have tried endlessly to speak with a human on multiple occasions to contest the XXXX inquiries that have adversely impacted my XXXX score on multiple occasions, the most recent being XX/XX/XXXX decrease of XXXX points and I am going to report XXXX to my politician, local news, XXXX the White House, CFPB, and whoever else I have to until they repair my credit score for these two instances. I was the victim of identity theft which is why I have a fraud alert on my credit report and on top of that original injustice I am now repeatedly adversely affected when I try to take out credit cards from aggressive yet uninformed salespeople ( Macys XXXXXX/XX/XXXX and XXXX XXXX Citi Credit Card in XXXX ). I want to take out a mortgage for the first time in my life next year and XXXX will cost me tens of thousands of dollars in my interest rate after hard fought work to improve my credit score. As a slap in the face, there is nobody to talk to or even email concerns - rather a XXXX  designed to obfuscate. XXXX must be held accountable and justice will be served against them and to increase my credit score and hold them accountable in their policies and customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my XXXX XXXX was pulled at least once by the XXXX XXXX at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.
Product: Checking or savings account

Through XXXX Several People XXXX monies totaling XXXX out my account. I do not even know how to XXXX and I do not know any of the people that received the money. 

When I contacted Wells Fargo several times they told me it was nothing they could do. One teller called me from the bank on her personal phone and threaten me saying that since I had said I would get a attorney I had threaten her, and she went on to say I would never get my money back. 

It was not until I spoke with my XXXX XXXX XXXX that some listen to me and I start the process to getting my money back with their aide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.
Product: Credit reporting or other personal consumer reports

I have recently downloaded a copy of my credit report and upon reviewing my report I have discovered several discrepancies, inaccuracies, unauthorized accounts and misinformation reporting to my report. I have addressed this situation with the creditors and no resolution was resolved. This has caused stress and financial hardships that have been detrimental to my credit health and has effected my day to day life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under USC 1681.Equifax is governed by USC 1681 and they violated my rights numerous times, I demand that the accounts listed below be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to 15 USC 1681 I have the right to privacy and did not give XXXX permission to furnish these accounts, thereby inhibiting my afforded fair credit reporting.
Product: Vehicle loan or lease

I have an account showing on my credit report from Porsch Financial Account # XXXX to which it states I am a joint on. I have several issues with the account and what is reporting. This was my ex husbands account. I have never been notified of any issues with this vehicle and the past due status and the impact it would have on me. Therefore I am requesting the original contract along with any communication which was made to me to advise me of the accounting becoming delinquent etc. I am also requesting the full payment history on the account.
Product: Credit reporting or other personal consumer reports

This complaint goes with complaint number XXXX. I just wanted to add a few key points in here. XXXX. Equifax XXXX XXXX XXXX nor Equifax itself has not even tried reaching out to me they ignored me when I sent them a total cost of {$8000.00} with a break down of how and why it cost {$8000.00} to reverse the impact it had on me so far their databreach. I had to dispute with XXXX companies accounts that weren't mine. Inquires that weren't mine. I had to have conversations with these companies hire a lawyer to write these companies file reports. Furthermore it has been nothing easy. They can say what they want but their data breach caused this. So for them to over me {$17.00} when they got a bill and a breakdown of cost on that bill awhile back mailed in by myself is a XXXX XXXX XXXX XXXX However after I file a complaint with cfpb they still yet to contact me but reatgar send me an email offering me I think XXXX dollars more. See screenshot this is beyond a XXXX XXXX XXXX XXXX it's a mockery and I will be filing my own lawsuit against Equifax for the {$8000.00} dollars i am out because of them plus any attorney and court fees for doing so. They will soon get an intent to sue letter certified mailed to them. They just don't care.