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

GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, authorized a loan for an AC Unit and air handler on XX/XX/2020. I disputed the loan amount with the company that installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, however, Greensky canceled the dispute on XX/XX/2020, although I had not received resolution from XXXX XXXX XXXX XXXX. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. 

I was promised products that have a lifetime warranty ( XXXX ) for both the condensing unit, compressor and air handler/furnace. Was advised of price difference between XXXX/XXXX, but was still charged higher amount although I didn't receive the products that have higher warranties. Condensing unit fins and coils were damaged. Model XXXX XXXX XXXX ton. I requested a new condensing unit with no damage and the company was unable to provide an undamaged unit and did not provide discount for damaged goods installed. My neighbors had a XXXX XXXX XXXX XXXX XXXX ton compressor and air handler/furnace installed for {$7200.00} with a licensed local competitor. 

Deceptive and abusive sales tactics were used. Here were some of the things said to me, " When we offer 0 % financing we have to pass along the cost to our customers. '' I have filed complaints with the XXXX XXXX XXXX  and a price gouging complaint with the Texas Attorney General which are all public record. 

Attached are the receipts for my purchase and the receipts for my neighbor that show how much they overcharged me on the same size AC System from a local competitor.
Product: Credit reporting or other personal consumer reports

L j Ross assoc {XXXX XXXX  XXXXXXXX XXXX This account is not mine, I want it removed from my history. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX inaccurate and unverifiable. I have disputed the accounts listed above with transunion and they have failed to verify the accounts. Reporting inaccurate and unverifiable accounts is a violation of my rights according to the FCRA. I would like the accounts above to removed/deleted from credit report.
Product: Debt collection

Debt collector has tarnished credit score with allegations of debt that I have not acquired. I have never opened an account with eversource or used there service personally. Radious Global has never been given my consent to have my information or permission to collect debt from me. And as a result of this misuse of information has effectively undervalued my credit score.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts/ activity on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to XXXX, Experian and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Product: Credit card

I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance
Product: Money transfer, virtual currency, or money service

Consider this an addendum, but not duplication of complaint XXXX. The company 's response misrepresents the order of events and occludes the complaint in legal jargon and indirectly related policy. This complaint centers on the misrepresentation to the cfpb of the order events in their response to my original complaint. 

In the response my transfer to my son is labeled as " Payment 1 '' when in fact it happened after the mistaken transfer, this misrepresents the order of events to shift blame to me, it should in fact be labeled " Payment 2 ''. My son needed financial aid due to income loss during the pandemic. We spoke on the phone and he gave me an email address that I was not very familiar with, leaving out one letter. 
During the personal transfer the only recipient verification I received was that the email format is valid. There was no validation of who that email represented. 
During the process of sending personal funds transfer, my son sent a request for funds to me, which I did not see until after the mistaken transaction completed. The " send personal money '' workflow I was in was not interrupted, I was not notified of the request until that mistaken transaction completed. I was not allowed to verify the identity of the actual first transaction, that resulted in a mistaken loss of {$1000.00}. This is a flaw in the workflow and as it is an complete omission from the process, could not trigger an any logical or code based error. ( as referenced in their response ) After the mistaken transaction was completed, and only after, did I send my son {$500.00} based on that request. He clearly was still in financial jeopardy, and I I still needed to provide help. This is in fact transaction # 2 and in their CFPB response they switch the order, and labeled it " Payment 1 '' to bolster their argument. This is incorrect and misrepresentation, they talk about unrelated policy on Consumer to Business transactions, I guess as filler, this is a person to person transaction. They failed to allow me to verify the recipient of the actual " Payment 1 '' to " XXXX XXXX '' ( who is not known to me ), and they do not notify you of incoming payment requests, if you are in a transfer workflow. They then point to their EULA as justification for not meeting basic transactional responsibility. I can imagine no other reputable transaction where I can not verify the recipient of funds, personal or business. This is flaw in workflow design and I should be refunded. This is a failure on their part to provide a necessary, basic mechanism for verification that companies like XXXX and XXXX XXXX provide. I feel their response is dishonest and would like the CFPB to demand an honest response. It's clear from online reviews, discussions with PayPal phone help and their fear of setting precedent of refund -- that this happens regularly. Many people are effected, and I can only imagine the amounts of money involved globally. I also wonder if misrepresenting the order of events to a governmental agency is criminal or not?
Product: Credit reporting or other personal consumer reports

I have been told on numerous occasions from XXXX XXXX XXXX that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX Equifax XXXX and XXXX to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 I have had a {$0.00} balance on my XXXX XXXX  with an available credit of {$3800.00}. I have not made any purchases since. I have n0t received any emails since saying I had anything owed, or that a statement was generated. Usually any time a statement is created I am given a statement email which I wasn't. I was notified last week by my EQUIFAX Credit Monitoring, that I had a late payment/missed payment to a CC and my Available Credit had been lowered in addition to my Credit Score being reduced by XXXX points. I have not had any missed or late payments in over 15 years, and it was because of a {$21.00} charge on my account that I did not make. I am also a member of the XXXX XXXX and was enrolled in XXXX 's XXXX benefits due to a recent activation. I sent a message via the portal they had online, and also tried to speak with someone over the phone. I was advised that " The Dept you need to speak too is not open '' and that I am unable to file a dispute on the charge because its over 60 days, but I was never given any statement notification/past due email/past due phone anything. They told me I would need to call back tomorrow. I have been calling for 5 days now, at all times during business hours, and every time I call they tell me no one is available, Dept is closed, Manager can call back. The email response I got was " Look like you called and talked to someone your matter must be resolved and they have closed my ticket '' What they have done is illegal, as 1 ) I was never given any statement notification of any balance since XX/XX/2024. I have since resumed getting emails since my 1st contact to them. They can not send me to collections, or adjust my statement balance being under XXXX protection, and in addition military members are allowed additional time to report fraud transactions. I have been asking to speak to a manager for 5 days, and kept being told no one is available
Product: Mortgage

My name is XXXX XXXX and I have a mortgage with select portfolio services since XX/XX/16 and have Never Had Any late Payments, currently Ive been paying $ XXXX {$400.00} weekly and currently my mortgage is not due until XXXX, my mortgage is currently {$990.00} Until I received a call from select portfolio escalation escrow stating that there computer did not direct the proper amount towards escrow causing a {$3000.00} deficiency, I could lose my home. I am XXXX XXXX XXXX on a fixed income and I should not be made to suffer because of there computer. XXXX XXXX offered NO RESOLUTION that would make me whole again instead of cause me a Hardship!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX XXXX ACCEPT ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX  ACCOUNT # : XXXX US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SHARE ) ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) ACCOUNT # : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX XXXX XXXX SVCS ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On the following dates Synchrony financial charge me late charges without notice and also reported me to the credit bureau for being 2 days late! 
I pay my account on their site every month. On the following dates Synchrony financial charge me late charges due on XX/XX/XXXX and cleared on XX/XX/XXXX Charged {$25.00}. due on XX/XX/XXXX and cleared on XX/XX/XXXX charged {$28.00}. and due on XX/XX/XXXX cleared on XX/XX/XXXX. Charged {$29.00}. Every time I pay more than the minimum due, and they have been charging me a late fees without notice. When I called the CSR refused to help only saying that's their policy!
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. Capital one has cited technical issues. Which may violate the electronic funds transfer act as it requires timely access to funds. 
This situation raises concerns about customer protection laws and I request your assistance in investigating this matter to ensure my right are upheld. Thank you
Product: Consumer Loan

My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.
Product: Consumer Loan

I had XXXX auto loan with Ally Financial that originated in XX/XX/XXXX. I made my payments on time every month. I filed Chapter XXXX bankruptcy XX/XX/XXXX, and payments were being made to Ally Financial through my bankruptcy plan. I surrendered the vehicle to Ally Financial XXXX to remove that debt from my bankruptcy and so I could purchase another vehicle with a different financial institution. Now, Ally Financial is reporting XXXX on my credit report when I only had XXXX loan with them. Also, on those XXXX reports from Ally Financial, are also showing delinquencies that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and delete student loan debt in full. XXXX XXXX being a third-party he now has access to my SSN and other identifying information became aware XX/XX/XXXX. He also violated the Privacy act of 1974 and higher education act which governs student loan privacy.
Product: Debt collection

Debt was paid by the department of veterans affairs, I 'm on XXXX % XXXX the VA set up and paid for this, they need to get in touch with the department of veterans affairs.
Product: Debt collection

TD Auto finance hired a third party to steal my car. After I payed my finance charge, and TD Auto Finance threatened to steal it again.
Product: Credit card or prepaid card

I mailed my payment to Emerge early a bill I mailed on the same day was cashed on the XX/XX/XXXX my Emerge bill wasnt due until the XX/XX/XXXX of the next month. They held the check and didnt cash it until the XX/XX/XXXX. They charged me a {$19.00} dollar fee on XX/XX/XXXX and negatively impacted my credit. I wrote them a letter and disputed the charge. I received a letter back today dated XX/XX/20 from XXXX # XXXX refusing to correct fraudulent charge. 

Emerge XXXX XXXX XXXX XXXX, GA. XXXX
Product: Credit reporting or other personal consumer reports

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. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX  : 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 XXXX 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

Transunion has not responded to my FTC in well over 3 months. This ia violation of the FCRA. I have also contacted the BBB about these illegal business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The company reported to my credit the same account at separate time with ( 2 ) separate amounts thats owed ( 1 ) amount stated XXXX and the 2nd amount stated XXXX ( for the same account ), It impacted my credit score lowering it dramatically in which case caused a loan I was applying for to be denied. Ive contacted the company explaining this issue only to be placed on hold and then hung up on. Ive recently reached out again in XX/XX/2021 and still havent had any luck.
Product: Bank account or service

In XXXX 2016, my computer crashed and deleted all my business ' financial data for the previous year. I asked my bank BBT to provide me with my banking history in electronic format for that period. However, they have stated that they can not provide me with the historical data prior to XXXX 2016 when BBT purchased XXXX XXXX bank. The data *MUST* be somewhere accessible electronically, but they will not provide me with the information to access my financial history.
Product: Debt collection

collection agency is not licensed in the State of AZ did not know that XXXX XXXX had sent to collection no notices
Product: Checking or savings account

On XX/XX/XXXX, I had XXXX {$200.00} charges to my debit card from multiple XXXX locations. My bank app says these charges were made in person, and Chase stated that they looked like legitimate charges because none of my account info changed. Chase told me an XXXX XXXX account was added to my bank account, even though i havent owned an XXXX  in many years. I recently received a letter from XXXX stating that they had a data breach and some of my personal info, including card info, had been accessed by an unauthorized person. So clearly someone used my card info to make these charges, I believe they opened an XXXX  XXXX  account in my name and used my card info to make these charges. 

The charges were all made in XXXX day, from stores in Missouri, Pennsylvania, Virginia, and Ohio. I live in XXXX Illinois and dont own a car, so there was no way for me to go to all of these stores in XXXX day. 

The store locations are : # XXXX, XXXX, MO. {$200.00} # XXXX XXXX, PA. {$200.00} # XXXX XXXX XXXX, OH. {$200.00} # # XXXX XXXX, PA {$200.00} # XXXX XXXX XXXX, PA {$200.00} # XXXX XXXX, PA {$200.00} # XXXX XXXX, VA {$200.00} I called XXXX on XX/XX/XXXX to file a complaint of fraud charges and have not heard from them since.
Product: Checking or savings account

I am a long-time US Bank customer . Over the summer, my debit card was compromised, and US Bank issued a replacement card, which I activated in XXXX XXXX. Since then, I have been unable to add this card to XXXX XXXX through any available channels. After a month of back-and-forth with the Fraud Department and Customer Service , no one could explain the issue. On XX/XX/XXXX, I opened a case with US Bank to investigate what I initially thought was a glitch. The response I received informed me of a 90-day wait policy on new debit card holders, despite having received new debit cards in the past without this restriction. 

Seeking clarity, I escalated my case through multiple channels, including the local branch manager and customer support, but have received no response or further clarification. I have been dealing with this issue for over two months now and it still has not been resolved. I feel they are stringing me along until that 90 day wait is over. The last email communication on this case was back on XX/XX/XXXXXXXX  advising my concern would be escalated to a manager. I have received zero response since then, leading me to feel as though I am being ghosted. This lack of transparency and communication has left me with unresolved security concerns about my account. US Bank claims this limitation is working as designed, but no one at the bankwhether customer service, the fraud department, my local branch, managers, or online publication resourcesseems to be aware of this policy. 

I also reached out to the XXXX community, other US Bank customers confirmed they had no issues adding new debit cards to XXXX XXXX  on new or old accounts, which makes me question why I am being singled out when Im simply trying to protect my account with an additional layer of security. This policy not only limits my options but feels counterproductive to the very goal of security US Bank promotes. With no further responses from the escalation team or my branch manager, I am left with no other option than to escalate through this channel for assistance.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX since XX/XX/XXXX and crypto currency trading since XX/XX/XXXX. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX. 
For Identity verification, I attached my Valid ID. Please see attachment
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) US DEPT OF EDXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home upon doing so I had 12 hard inquires.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name  : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 through XXXX XXXX I had XXXX hard inquiries on my XXXX where they were unauthorized. I do not have any open accounts under those XXXX. The hard inquires are the following. XXXX XXXX XXXX, XXXX federal credit, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, capital one auto finance, XXXX XXXX XXXX chr, ally XXXX XXXX XXXX XXXX and XXXX. These were unauthorized and i wish to have them removed off my credit report immediately!