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

I have requested for a duct cleaning service with XXXX duct cleaning service, they came and connected with Greensky to pay the amount, they told me if I pay in a year there wont be any additional charges. The person called from his mobile and I have provided all the information requested and accepted that I am going to use their services. 
Very next day I have visited and looked the cleaning service vendor has provided and I came to know they didnt do any services and I have called greensky to dispute the charges. After couple of weeks I didnt hear anything I called Greensky again, they told me who was investigating was on vacation and once they back they get back to me however they lift dispute without informing us. When they follow up they told me they dont have my information that is the reason why the didnt contact me. And they forced me to pay all the amount what I didnt get the service. 
When I called and requested for support they told me that they dont do anything and I am responsible for all the amount
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX  bal. {$380.00} XXXX XXXX bal. {$22000.00} XXXX XXXX XXXX XXXX. {$3800.00} XXXX XXXX. {$2400.00} XXXX XXXX. {$1600.00} XXXX XXXX. {$2300.00} XXXX XXXX. {$2600.00} XXXX XXXX. {$1700.00} XXXX XXXX. {$6400.00} XXXX XXXX. {$870.00} XXXX XXXX. {$2000.00} XXXX XXXX. {$4000.00} XXXX XXXX. {$4200.00} XXXX XXXX. {$2400.00} XXXX XXXX. {$220.00} XXXX XXXX. {$5500.00} XXXX XXXX. {$3300.00} XXXX XXXX. {$2200.00} XXXX XXXX. {$2100.00} XXXX XXXX. {$5300.00} XXXX XXXX. {$1800.00} XXXX XXXX. {$4100.00} XXXX XXXX. {$6000.00} XXXX XXXX  bal. {$5200.00} XXXX XXXX. {$6100.00} XXXX XXXX. {$1500.00} XXXX XXXX. {$2400.00} XXXX  bal. {$1600.00} XXXX XXXX bal. {$870.00} XXXX XXXX  bal. {$710.00} XXXX XXXX bal. {$1100.00} XXXX XXXX bal. {$410.00} XXXX  bal. {$52.00} XXXX XXXX. {$1700.00} XXXX XXXX XXXX bal. {$170.00} XXXX XXXX bal. {$750.00} XXXX XXXX XXXX. {$610.00} XXXX bal. {$3100.00} XXXX XXXX XXXX bal. {$1600.00}
Product: Payday loan, title loan, or personal loan

I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few letters to XXXX and also a few letters to the credit reporting agencies, XXXX, XXXX and Transunion because they violate my fcra right even made a complaint againts the company, they don't even answer to the CFPB complaint.
Product: Debt collection

ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper account on my Equifax still shows a balance of {$5000.00}. This prosper account has been paid in full and should show a balance of {$0.00}. Please correct this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 XXXX XXXX Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.
Product: Payday loan, title loan, or personal loan

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. 

I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. 

I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... 
My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. 
Rise has also threatened to sue me and refused to work with me. 
I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. 
Rise refused to work with us in regards to our documented finacial hardship. 

Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. 

I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
Product: Debt collection

The City of XXXX collection on my credit report being collected on by Penn Credit # XXXX needs to be removed from my credit. Penn Credit is attempting to collect on a debt that is not owed and was paid directly to the City of XXXX. Attached you will find a copy of the paid in full plus fees letter from the City of XXXX. Due to this being paid directy to the City of XXXX, this collection on my credit report is no longer valid and is illegal to be on my credit per the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XXXX XXXX  when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 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 have caused significant inconvenience and financial loss and, I seek appropriate redress for thee violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX XXXX acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX collection acct # XXXX, XXXX collection acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the in information is inaccurate.

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 wich antedates the report by more than seven years.
Product: Debt collection

Resurgent capital services continues to send me threatening emails advising that " I'm on the XXXXl track '' stating that my information will be forwarded to an attorney to sue unless I reach out to pay them. I have stated to them in the past that I have no written agreement with my signature that states I have a financial obligation with resurgent capital services.
Product: Checking or savings account

I've been writing checks from this account which I had signatory power for over 7 years. My Dad passed away on XX/XX/21. On or about XX/XX/21, WITHOUT ANY NOTICE OR WARNING, Bank of America, ( BOA ), withdrew all the funds from the account leaving a zero balance, and froze the account. When I called to find out what was going on, they said I could no longer access the account until a bunch of legal steps take place which only a lawyer could institute, and that my Dad 's death certificate and his will naming me as the Successor, ( after my Mom 's passing ), was insufficient. What is the purpose of a will? They also refused to honor any checks that were previously written and not yet cashed from that date, causing the situation of possible bounced checks and a lot of aggravation. I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX, but they said they had no jurisdiction over BOA and referred my complaint to you. I believe their 'stealing ' of funds, and not allowing me access to these funds to take care of my Dad 's financial affairs, even with a will, is excessive use of their authority.
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on January 23, 2000 From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my Transunion credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Product: Credit card

My Ex opened multiple credit cards without my knowledge 

XXXXCOMENITY/VICTORIA
Account number XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Checking or savings account

This complaint is in response to the bank denying my case three times when I am not to blame. they openly blamed me for the lack of security that was provided to me. I lost everything my family had and all I had saved up. the amount of {$10000.00} was taken from me and not a single thing was done by the bank to prevent it even though I told them the very second it happened and before the transaction had even gone through. their lack of diligence cause the whole problem. I will not stop my complaints until I have all that I'm owed returned. this is ridiculous after 4 months of scraping by paycheck to paycheck and having the bank basically spit in my face over what is their fault in the first place. Enough is enough. I need your company to go to bat for me and the countless others who I'm sure file claims on here that have been screwed by Wells Fargo. I have been a valued and loyal customer of wellsfargo for 20 years and this is the treatment I get. please get this turned around and don't just resubmit it to the claims department where they'll just deny it again. someone has to hold the to account for the unprofessionalism and lack of care for those who pay their salaries. I am pleading with CFPB to help me hold them to account for their actions. our lives have been put on hold because of this unacceptable situation. 
for account info please refer to my first complaint on here that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing a complaint on ChexSystems for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. 
They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXX XXXX XXXX is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to ChexSystems XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.
Product: Mortgage

Filed for a loan modification XX/XX/year>. Never got a written response other than how much we would be paying. They have the absolute worse communication. Never received a verification other than telling us what our new payment would be. Then, months later start getting billing statements saying we are behind and not making payment. We started sending the XXXX per month as that was what the paperwork showed our new amount as of XX/XX/year>. Started getting past due notices for the old amount saying we were monts past due. I asked here the monies we've been sending all along going. Got no response, worse communication ever. It seems the left hand doesn't know what the right is doing either. We've called numerous times asking what is going on. We never missed a payment so how are we behind? No explanation. Made a recent payment for XXXX and finally got XXXX, who we now know is our POC. Asked him what is going on and he explained they've been putting our monies in a reserve account. I asked why. He wasn't sure. I told him to move every bit of it to the mortgage. That is one reason why they were showing us behind then to top it off they never prospered the first loan modification paperwork. Guess it got lost in their offices. We filed another one recently and have continued to pay {$1800.00} even though our payments suppose to be XXXX plus XXXX for our Taxes and insurance that is included in thr payment, at our request. Was also told now they are working on the loan modification and it would be good to keep paying that amount. This has been very stressful on my wife, as she's the one who handles the bills. I had her added to the account a long while back but they still haven't done that either! None the less she has recently had to go see her doctor due to a stressful breakdown. Dealing with all this has her too stressed. This company is the worse. If they hadn't messed up our account so bad at this point I would have refinanced with another company. Thanks to MSF, I can't do that now either,.
Product: Vehicle loan or lease

in XX/XX/2018 i bought a XXXX XXXX  month ago started gave me problems i went a mechanic shop with the warranty and the dealer and bank no give me answer with the warranty the people of the shop where i left the car chargere me {$410.00} what i paid with my pocket some months ago starter again give me electrical problem i called a lot time the bank and dealer and no body help me to change to another car or fix the car im tire with the situation decided release the car bcs the car not working good the bank said the status is reposition but is wrong status bcs i called significant time and no recive answerd right now this affecting my credit XXXX  XXXX and XXXX  bcs i disputed in XXXX  and they accepted and deleted itry to get help for this situation with your
Product: Vehicle loan or lease

Ive asked Santander to please remove the collection/charge off on my credit. They have been reporting inaccurate information to the credit bureau causing me to have derogatory remarks on my credit report. None of the dates being reported on my XXXX XXXX, XXXX, and XXXX score matchup they all say something different. The loan amount reported for all three scores are totally different. Ive asked Santander to provide me with the original contract, and to validate the debt they have failed to do either. 
XXXX XXXX : Date open : XX/XX/XXXX Credit amount : {$15000.00} Last reported : XX/XX/XXXX Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : XX/XX/XXXX Credit amount : {$17000.00} Last reported : XX/XX/XXXX Date last active : XX/XX/XXXX Date of last payment XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under XXXX XXXX. I told Experian, XXXX, and XXXX to reinvestigate these accountsEhanced Recovery COL # XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( XXXX ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Debt collection

The debt collection company is Calvary Portfolio and they took out a judgement on me for {$28000.00} I know nothing about. I have disputed their false claims about owing this debt. They have harrassed me repeatedly at all hours and were calling family members. I was never served papers. It even states on my credit report the account is open which is illegal along with everything else. Ive asked them to remove this and done everything possible and they will not help me with the situation at all. Again I was never served papers for court or I would have went to prove this wasnt my debt. I researched this company and they are known for these fraudulent actions and harassment. I want this taken off my credit immediately.