23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approached by a Home Depot representative in Home Depot.He offered me a special on AC cleaning for {$19.00}. My AC is 20 years old and I had to give up my AC service because of financial reasons so I accepted. The AC man came to clean the AC unit which I knew was in bad shape, he offered me a deal with NO INTEREST.Know I needed to replace the unit I accepted an appointment from a XXXX XXXX XXXX company who was working in conjunction with Home Depot. The unit was installed and inspected ... On XX/XX/XXXX I recieved a statement from GreenSky financing company who is the company XXXX XXXX had set up the financing with. There was a {$43.00} interest payment. I called XXXX and they said yes it was interest free but that was an " agragate '' payment which would be 1 % of the balance each month. That is more than interest would have been. When the salesmen was here and we were discussing the units, size and cost I made it clear I could not afford more than {$150.00} a month this added " agragate '' makes it almost 200.. I am XXXX on fixed income, my daughter had a XXXX XXXX with no insurance at the same time the economy tanked so I have no resources. This is a scam set up between Home Depot, XXXX  XXXX and Green Sky. I told them to fix the contract or come and get their equipment. I have not heard from any one so far. I would appreciate any help you can give me with this problem
Product: Credit card or prepaid card

I have an PayPal acct. I have had this acct for many years, since XXXX XXXX XXXX took over the website for PayPal has changed. It is nearly impossible to get a complete statement of your acct online let alone mailed to you. Before all the info was available to you. Now instead of it being readily available you have to call customer service, good luck. 
It is very hard to navigate the website and what little info they give isn't complete. Where is the statement with prior balances, payment info and interest accrued. Seems very deceptive and makes checking monthly balance very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report someone has gained access to my personal information and has used it to attempt to gain credit access due to this I have several inquiries reporting to Experian that were fraudulently done not authorized by me, these inquires are putting me in a financial bind and affecting my credit score. 
here are the following inquires, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was promised a mortgage loan from XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX , however, I was asked for total of XXXX in forms of wire transfer and 2 cashiers check. As of today, cashiers check for XXXX has not been cashed, I have gone to 4 different bank of America bank to ask them to please stop payment on this. I even showed them all the documentations that I have filed with The Attorney General office and Better Business Bureau, and I was told they can not do this. XXXX XXXX XXXX XXXX failed to provide me the loan that they promised. Please help me get this money back. I will send all documents to you. thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes XXXX failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I found an account that is reporting without my knowledge or consent. XX/XX/XXXXXXXX XXXX opened XX/XX/year> is a fraudulent account whom i never gave permission to run my credit or furnish my information. This is identity theft and in violation of several of my right including right to privacy and permissible purpose to furnace information. Please be aware that anyone could have stolen my personal information and made an fraudulent account. The account is also furnishing inaccurate information such as address email and phone number.I never did any business with this company nor have I ever heard of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  acount # XXXX, has violated my rights. 
15 USC 1681 section 602 states that i have a right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove old addresses and addresses where I never lived from my Experian credit report. I was told that several accounts were connected to accounts and they refuse to remove aforementioned items. The addresses are : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX 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

All XXXX credit bureau 's failed to acknowledge me of reporting anything on my report, I never gave written or verbal consent
Product: Credit card or prepaid card

my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen. 
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house. 
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report. 
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do. 
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS
Product: Student loan

Hi ... i want to get rid of this loan ..first off they are charging me ( Navient ) for something I dont work for I went to school for XXXX XXXX at XXXX College which is no longer open school got close down nowhere to be found and still charging me I just want to get rid of this so my credit can go up I been in this for the past 7 years and my credit just dont go up! I really need to get rid of this student loan ... I need help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied of a job and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

1.XXXX  2.XXXX  3.XXXX 4.XXXX XXXX XXXX  5.XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX  XXXX  XXXX 8.XXXX  XXXX XXXX 9XXXX
Product: Debt collection

I have been receiving harassing phone calls from Secure Capital Management , Inc. They are calling on behalf of a pay day loan I am not able to pay back. I spoke with the loan company a couple of months ago and told them of my financial hardship. XXXX called me repeatedly back to back yesterday at XXXX, XXXX, XXXX, XXXX, called my friend and my job. He verified my contact info and address. Shortly after he threatened me saying an officer is coming to my home to serve me and I will have to appear in court. I told him ok and he asked for my address again saying he did n't have it and needed it to give to the officer. He connected me to XXXX to make payment arrangements on yesterday to begin payment on XXXX XXXX, however, XXXX XXXX, an employee of SCM, called me today at XXXX and XXXX asking for my payment info. I understand I have a debt to be paid, and if I had the money I would surely do so. I am working on reduced hours due to cut back and I simply just do n't have the money
Product: Checking or savings account

I am writing to file a formal and urgent complaint against Capital One Bank for their severe negligence in processing my direct deposit, which has led to significant financial hardship and health concerns. 

Date of XXXX : The expected deposit date was XX/XX/XXXX, but as of today, XX/XX/scrub>XXXX XXXX XXXX  the funds have not been credited to my account. With no credible timeline on when this issue will be resolved. 

Impact The failure to receive my direct deposit has resulted in : - Late payment of bills, incurring unnecessary late fees and penalties. 
- Fees for transferring money between accounts to cover essential expenses. 
- Inability to purchase basic necessities, including food, which has compromised my health. 
Medical care delay : I was unable to afford a visit to urgent care or purchase medication for the flu, exacerbating my condition. 

Steps Taken : I have contacted Capital One multiple times via phone and online chat since the expected deposit date. Each interaction has been met with vague assurances but no resolution. 
I have checked with my employer, who confirmed that the deposit was sent on time to Capital One.
Product: Debt collection

I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. Resolutions Investments LLC as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
Product: Credit reporting or other personal consumer reports

Want to complain against TransUnion and XXXX XXXX XXXX bureaus with regards of XXXX XXXX ( XXXX ) XXXX account. Both bureaus reporting my XXXX account as " XXXX '' when I or any other party try to get my credit report before my autopay date. XXXX XXXX XXXX XXXX account correctly. I did talk to XXXX representatives and there no issues on they side, tried to contact TransUnion and XXXX but no success on that issue.
Product: Checking or savings account

I dismissed my bankruptcy XXXX  XXXX. The trustee had a balance on hand of {$10000.00} from a car wreck lawsuit I won. Those funds were refunded back to me when I dismissed my case to pay my creditors. When I deposited the check I was told and emailed XXXX {$220.00} would be available, XX/XX/XXXX {$450.00}, XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4600.00} When I checked my account this morning there were no available funds. I checked my emails and no email from sofi. I called then and was notified only then that {$500.00} woukd be released XX/XX/XXXX and the remaining funds released XX/XX/XXXX. I cant wait that long, the check is from a trustees office and my car loan bank is wanting to reposess my car for no payments after the XXXX  XXXX discharge. I can see a little hold this is overkill being who it is from. Per their policy it states some will be available the next business day and the remaining no later than the XXXX business day. No one will give me a reason nor why I was not notified ahead of time on the hold dates
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told by Santander bank to pay XXXX dollars they would wait till I get my check on 4th Wednesday as usual to pay the balance they lied repo rhe car that Friday told me I can get it back if I pay the repo and storage fee 2 they knew I couldn't afford that they wanted to auction the car off and they did that Monday and got about 10,000 sent me a letter and telling me I owe the balance they are a crooked bank taking the car so they can sell it and still get the balance from me when the car was repo it was XXXX and something left to pay how they still reporting 17 after then sold it for ab9 a XXXX and this year they tried to send to my credit report I miss a payment when the account be written off inXX/XX/2016?
Product: Credit reporting or other personal consumer reports

Please ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not initiate or authorize them and have no knowledge of their origin. In line with USC 1681g, I formally request their removal within the next 15 days. Attached are the necessary documents for your review.