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

I am making a complaint against GreenSky , LLC. 

On XX/XX/2024, GreenSky allowed XXXX XXXX of XXXX to take out a loan in our name without a signature from my husband or me on any financing documents. We were not given, nor did we sign financing documents on XX/XX/2024. We did not receive the Truth in Lending Act documents laying out the initial cost, financing charge, interest rate or final cost from GreenSky, until after the XXXX cancellation period had passed. GreenSky used the XX/XX/XXXX date of the XXXX  Agreement, which meant the right to cancel passed on the midnight of XXXX XXXX received the Truth in Lending Disclosure from GreenSky on XX/XX/2024, with the total loan amount, we contacted GreenSky and XXXX the loan immediately. 

By that time, GreenSky had already paid XXXX {$21000.00}. I told them to stop and not to pay XXXX another dollar that we had not agreed to the terms imposed by the bank loan. GreenSky then grabbed back {$10000.00} of the {$21000.00} they had sent to XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian Credit has wilfully violated the Fair Credit Reporting Act ( F.C.R.A. ) by failing to comply with the following provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), 15 U.S.C. 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ), engaging in deception through unfounded claims, concealing how verification and updating were done using only their internal records, and acting in bad faith to circonvent their obligations under FCRA. these violations have resulted in the continued reporting of outdated and inaccurate information on my credit report. I request that the CFPB investigate Experian Credit non compliance and ensure accountability for these unlawful practices.
Product: Debt collection

I was just made aware that I debt had paid off with Portfolio Recovery Service previously was readded to my credit report, with the status going from " paid '' to " derogatory. '' As of XX/XX/2023, it was reopened. 

They are also reporting an old account as collections in the amount of {$300.00} as an open balance, which is illegal and a violation of my rights under the FDCPA. You can not have a bill in with a collection agency that has an outstanding balance, as per 15 US Code 1618i.

In the past, when I requested validation of this debt, they only verified it. I was never provided with the documentation of how they verified it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding a account by the name of XXXX XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.
Product: Debt collection

This complaint is against XXXX located in XXXX, TX. I was living there for 2 years. XX/XX/XXXX-XX/XX/XXXX. Few weeks after I moved out I received a phone call regarding debt collection of {$110.00}. The collector was IQ data international. I disputed the amount and I did not want to pay them a penny. The did harm my credit score, so after few month I decided to pay the just so they can close and remove the debt collection from my credit report. The promise the will, which they never did even though I paid them in full. The debt on my credit report showing under XXXX and that 's who I should come after. I was not suppose to pay at all, but even after I paid that they keep harming my credit score.
Product: Checking or savings account

Citibank has declined my application for a Checking/Savings account citing " Unable to verify information on consumer report '' as the decline reason. 

Citibank 's decline letter recommends that I contact credit reporting agency, but the letter does not say information from which agency was used in Citibank 's decision. 

Also the statement that Citibank had made about the fact that it was not able to verify information on a consumer report indicates that it was a Citibank 's lack of expertise or effort in attempts to verify the information rather than anything being wrong with my application or my consumer reporting agency credit report since all information on my credit reports at all major credit reporting agencies is verifiable. 

By stating factually false information on its letter Citibank is trying to hide the real reasons for declining my application, which can easily be assumed were based on the facts that I am a representative of a non-typical class of consumers and that I previously exercised my rights under the federal law to complain about certain Citibank 's business practices. 

Also by stating a bogus reason for declining my application Citibank employs a strategy geared towards reducing Ciitibank 's responsibility to answer to customer 's complaints. Even when Citibank responds to this complaint with a corrected reason, the customer would loose the ability to file a complaint regarding the Citibank 's wrongful decision to decline my application as any subsequent complaints would be treated by Citibank as duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : TransUnion is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is waypoint resource group account # XXXX XXXX has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Product: Mortgage

I refinanced on XX/XX/XXXX with XXXX XXXX. Their servicer is XXXX  XXXX XXXX. I made my XX/XX/XXXX payment to the money source on XX/XX/XXXX. Then received a letter that my loan had been transferred to Lakeview/XXXX XXXX as of XX/XX/XXXX. 

Around XX/XX/XXXX I started receiving threatening robo-calls from Lakeview/XXXX stating that my mortgage payment was late and threatening to report to credit bureaus. I set up an online account with Lakeview, and I can see that they have not recorded my XXXX payment that I made in XXXX. They also have my escrow account at {$0.00} even though about {$5000.00} in escrow was paid at closing. 

The robocalls have continued. I can't set up my XXXX payment because it still says XXXX is due and I am afraid if I pay the normal amount, they will try to apply it to their illegal late fees. After I complained, they locked me out of my account permanently and I can't log back in, even after requesting new password, etc. 

On XX/XX/XXXX I tried to reach a human via their automated system. After going through 30 minutes of menus, I reached a point where I could leave a callback number. Two days later, on XX/XX/XXXX they called me back WITH AN AUTOMATED VOICE telling me to go through the automated system again. Finally I reached a human after a lengthy hold. I told her to cease and desist with the illegal debt collection calls because I have paid my mortgage on time. She said the system makes calls automatically and there is nothing she can do. She tried to tell me to make my payment and eventually they would sort out the late charges and apply it to XX/XX/XXXX. I refused until I am provided an accurate statement. She couldn't answer why they have locked me out of my account. I believe it is so I don't have access to the falsified statements that they are providing me and as retaliation because I have already filed a complaint with the Texas Mortgage and Savings department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.Code 1681 ( 3 ), Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

You broke the law!!! Pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result i will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, Equifax obtained information on my consumer report under false pretenses and knowingly without a permissible purpose. I am demanding a settlement of {$2000.00} mailed to me by check within 15 days.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report involving XXXX XXXX. Despite my earlier dispute, this issue has not been resolved. XXXX XXXX is still incorrectly reporting as a factoring company, when they are in fact a debt collection agency. This misrepresentation is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and truthful information be provided on consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is misrepresented as a " factoring company, '' which is inaccurate. They are a debt collection agency. 

Previous Dispute History : I previously filed a dispute regarding this inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to misrepresent its status on my credit report. 

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to ensure accuracy in reporting. By misrepresenting themselves as a factoring company, XXXX XXXX is providing false information on my credit report. 

Requested Action : I request that you immediately remove all incorrect information related to XXXX XXXX from my credit report. Reinvestigate the dispute in compliance with the FCRA and notify me of the results. 
Provide written confirmation that the inaccurate information has been removed from my report. 

Attached are the following documents to support my dispute : A copy of my credit report with the disputed entry highlighted. 
Any relevant communications between XXXX XXXX and myself. 
A copy of my original dispute letter and any correspondence from the credit bureau acknowledging the prior dispute. 

Please investigate this matter thoroughly and provide me with a written response within 30 days, as required by the FCRA. This situation has persisted despite my previous attempts to resolve it, and I expect the CFPB to take the necessary corrective actions immediately. 

Thank you for your prompt attention to this ongoing issue.
Product: Checking or savings account

My business account was XXXX XXXX was charged {$79.00} for overnight freight charges from XXXX XXXX. I called the company to get the full amount that was to be charged and was only quoted {$180.00} which was paid. I disputed the charge with Chase because after calling the merchant they refused to credit the {$79.00} charge. This company XXXX XXXX has a history of doing this and a bunch of negative reviews on how they conduct business. Chase always debits your account and stick with whatever the merchant say even after sending all documentation because they get fees from the charges.
Product: Money transfer, virtual currency, or money service

I had money sent over to my account ( XXXX  to paypal ). Paypal, however, closed my account without warning and is now withholding the funds for ~ 180 days.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX  have all been sent legal documents about a collection account on my credit report from a bail bond agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.
Product: Vehicle loan or lease

I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I looked into Transunion 's website as it promised that I could look at my credit score once a year for free. As I made my account it asked for my credit card information and I felt a little weirded out, but I assumed they needed it to pull up my credit information and verify who I was, as that 's what the page acted like it was doing. On XXXX XXXX I was charged XXXX for Transunion 's membership service without ever being made aware that I was paying for a service. There was nothing on the page that said I would be paying anything, let alone XXXX. Today, on XXXX XXXX, I was going through my finances and looked at my credit card to realize I 'd been charged XXXX for their membership that I did not agree to. It was incredibly difficult to navigate their website and to cancel my membership, it was hidden in the FAQs, and it seems that they 've had this problem before seeing as how this year you made Transunion and XXXX pay refunds to thousands of customers who have had similar experience. There is no way to contact Transunion online and I do n't want to navigate their foreign-based customer service or send them snail-mail that is not guaranteed to get there or make it back. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, These are the dates I submitted written dispute letters to XXXX Credit Bureau regarding Summit Account Resolution reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm reaching out because of Bloomingdales/ Citi bank there is a chargeoff listed on my credit reports for {$1100.00} I don't remember this account and I created an identity theft report via the Federal Trade Commission , Citi collections refuse to accept it, I've also requested the original signed contract and all statements since the account was open and was told it would take 6 weeks plus. this is outrageous, I then even offered to settle the account to be done with it, but was told I couldn't do this. seems to be against the law under The FCRA. I have asked for an address to send my documents. and was told I can only fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite my persistent efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries continue to severely disrupt my life, causing substantial distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX suspended my account and my business account when attempting to obtain a Meta Verified account. They have associated my accounts with an unknown hackers XXXX account and will not provide any support options or contacts. 

They were able to collect my payment, but have not provided any services for this payment.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX my bank ( XXXX XXXX XXXXXXXX XXXX reviewed the invoice and sent a wire transfer {$49000.00} to a Wells Fargo Bank in care of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. XXXX # XXXX Vehicle was to be shipped on a car Hauler From XXXX XXXX  to XXXX  and delivery was planned for XXXX in the afternoon at a local XXXX. 

The XXXX hauler truck driver sent us a picture of the vehicle loaded on the XXXX. We spoke with driver on the XXXX and said he was in Nebraska and still looking like delivery on the XXXX. 

Was not able to get ahold of driver on the XXXX or XXXX. 
XXXX - call XXXX XXXX XXXX and they said the driver got into an accident and was in the hospital, We asked for them to wire the money back as well as provide a police report. They said the accident was on route XXXX in Nebraska, we could not find a route XXXX anywhere in Nebraska. 
Communication with them was no longer available, they shut down phones, website, etc. 

XXXX We called our bank to recall the wire transfer. 
XXXX We filed a police report with our local XXXX XXXX XXXX XXXX XXXX We called the Police department in New Mexico XXXX XXXX business was located to see if it was a real place/ business... they reported back and said it is XXXX We Filed an XXXX report with the FBI XXXX Wells Fargo sent us back XXXX was left of the wire transfer for a grand total of like {$45.00} today. 
XXXX We hope to hear back from an FBI XXXX to see if he is able to take this case.