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

I have been subjected to unethical practices by GreenSky that have left me deeply concerned about the financial industry 's ability to protect consumers. GreenSky, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), engaged in unfair practices that allowed unauthorized loans to be processed and serviced through their program. These loans were initiated without proper authorization from consumers, leading to unjust financial obligations and a breach of consumer trust. 

Details of My Experience : I began to notice unfamiliar charges on my billing statements and collection letters from GreenSky, accompanied by calls urging me to make payments on loans I had neither requested nor authorized. As someone who had never applied for a loan from GreenSky or even heard of the company prior to these notifications, I was baffled and concerned about the origins of these charges.

After conducting further research, I discovered that GreenSky had engaged in the unethical practice of processing and servicing unauthorized loans, allowing merchants to initiate loans on behalf of consumers without their consent. This practice resulted in at least XXXX complaints from consumers, myself included, who had experienced similar unauthorized loan applications. Investigation into these complaints revealed that the fault primarily lay with the merchants, amounting to at least XXXX instances. 

Impact and Consequences : The actions of GreenSky have had a profound impact on my financial stability and peace of mind. The unauthorized loans have created financial burdens that were never part of my financial planning, leading to unnecessary stress and anxiety. Additionally, the lack of proper merchant training and oversight, as well as the company 's failure to manage consumer complaints adequately, demonstrates a significant oversight on the part of GreenSky.

Expected Resolution : Given the extent of harm inflicted on myself and other consumers, I implore the Consumer Financial Protection Bureau ( CFPB ) to take swift and decisive action against GreenSky. I expect GreenSky to refund or cancel the unauthorized loan, as mandated by the consent order as a consequence of their unethical behavior. It is essential that GreenSky also implement robust procedures to prevent the recurrence of such fraudulent loans in the future.

Conclusion : I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to ensure that GreenSky is held accountable for its actions. The wellbeing of consumers is paramount, and it is imperative that actions are taken to rectify the financial and emotional damages caused by the company 's irresponsible and unfair practices. 

Thank you for your attention to this matter. I eagerly await a response and the resolution of this distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to log into myequifax.com since XX/XX/XXXX after an angry, rude, and incompetent Equifax employee CHANGED MY EMAIL ADDRESS ON MY ACCOUNT WITHOUT MY PERMISSION... TWICE! 

I now either get an error that I have no account, that the account is locked, that my password is wrong, or some other circle of error messages that won't let me log in. I called back the company and just got another rude agent who told me there's no issue on their end. This is my second complaint to the CFPB, I have also opened two cases with the XXXX neither of which were answered. 

HOW CAN EQUIFAX DENY ME ONLINE ACCESS TO MY CREDIT REPORT?? 

HOW IS IT NOT ILLEGAL TO CHANGE MY EMAIL ADDRESS TWICE WITHOUT MY PERMISSION?? 

Why are there rude jerks who barely speak XXXX with access to my credit report and personal information???
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX we completed the application with Chase Bank and paid the {$500.00} to XXXX   the mortgage process. The mortgage processor did absolutely nothing for over 2 weeks ; we were originally schedule to close on XX/XX/XXXX ; but since Chase did absolutely nothing for 2 weeks they fell behind and we had to extend the closing to XX/XX/XXXX. they just called me today XX/XX/XXXX and told me that they are requiring the oil tank in the house to be inspected. the cost to inspect an oil tank which includes an ultra sound will result in incurring additional cost. We are planning to exchange the oil tank ( from a 1,000 gallon tank current in the house to the standard 275 gallon tank. Appears that they are just stalling since they wasted over 2 weeks by not processing the application timely.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Student loan

I owe approximately 75k to American Education Services, I believe part of PHEAA. I've been told repeatedly that I have no repayment options left except to pay the full amount each month. I can't!!! But, I WANT TO PAY. I just need better terms. I'm an XXXX XXXX XXXX veteran, and maintaining a job is hard enough. If they will default me anyway because I can't pay what they require, why should I at all? May as well keep that money for rent, utilities, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I'm getting harassing calls from the company, which was trying to come up with a solution by working with freedom debt relief, due to a hardship of a divorce. I spoke XXXX XXXX XXXX XXXX, regarding an account they couldn't help me until i went bad than the bank got involved and they're the ones making all the harassing calls to a variety of people that I never gave the number to contact on my behalf. I call and spoke to about this matter was Mr.XXXX  an he stated to the people he spoke with that he was an Agent for me to contact with urgency. He used a variety of numbers but the last number he called from was XXXX XXXX  XXXX. He has called more than 5 people maltible times on this matter so I know with this, do not call act this is illegal.
Product: Credit card or prepaid card

In XXXX of this year, I disputed with my credit card company Capital One two charges for two trips ( for me and my partner ) a group trip to XXXX XXXX with the company Flash Pack that was cancelled two days in. I submitted all paperwork requested and after months, the credit card company denied because XXXX XXXX provided a voucher ( which I argued at that time they would not be able to fulfill ). On XX/XX/2020, XXXX XXXX notified me that they are insolvent ( bankrupt ) and all future trips are cancelled and the voucher is not valid. Capitol One refuses to do another chargeback, open a new dispute, reopen the prior dispute or help in any other way. The total for both trips is {$6100.00}. I have no other recourse for a refund except through Capital One -- trip insurance has denied and XXXX XXXX is bankrupt and can not give me a refund. I am certain Capital One could do a second chargeback using a different code. Not only were they unhelpful, they also were rude and not empathic to this situation.
Product: Credit card or prepaid card

On XX/XX/XXXX I learned that someone had hacked my Netspend pre-paid debit card and taken every cent of my Social Security monthly payment out of my account. I notified Netspend and learned that due to this my account with Netspend was now even overdrawn. 
Netspend told me that whoever did this used my card at a XXXX XXXX XXXX in XXXX XXXX, Ca. and I live ruffly XXXX miles from XXXX XXXX in XXXX, Ca. I called the manager at XXXX in XXXX XXXX and he told me that someone came into his store and purchased four ( 4 ) pre-paid XXXX cards each at a value of {$100.00} plus a {$5.00} tax for a total of {$420.00}. Netspend failed to even notify me of this going on, nor did they even consider this to be a stange transaction. There was also a purchase made at a XXXX XXXX and I've never been in a XXXX XXXX. I don't believe there is even one here in XXXX, Ca. Netspend would not tell me the amount spent at the XXXX XXXX! Netspend simply told me I had to file a dispute ( which I did ) demanding the funds be placed back into my account since this was the monthly Social Security funds I had just received as I had nothing to do with this. Netspend told me they could not do that and all I could do was file a dispute. 
I also took it upon myself to file a police report as well with the XXXX Police Department ( report # XXXX ) as well. Netspend also stated to me that someone had contacted them back on XX/XX/XXXX at XXXX claiming they were me and Netspend allowed them to change both my contact phone number as well as my email address all without confirming it was even me they were speaking with. Nor did they follow up and contact me asking if I had done this! I am XXXX XXXX XXXX and have had to go all month long with no funds since Netspend failed to replace my funds due to their negligence and failed security. Yesterday ( XX/XX/XXXX ) Netspend notified me they were NOT going to replace my funds and claimed they did an investigation. They did nothing! I spoke to the manager at XXXX again just last night and he never heard from Netspend so what investigation are they talking about? Plus the store video showed a XXXX couple making the purchases of those XXXX cards and I happen to be white and XXXX miles from XXXX XXXX! Netspend should be held responsible for customers funds yet they get away with simply doing nothing. They shouldn't even be allowed to do business as a financial institution and I hope you investigate this matter.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I found out about the new lawsuite that CFPB came out with aganist them " CFPB Sues Experian for Sham Investigation of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on my reports, Threatening consumers ' access to credit, employment and housing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  reported late payments in regards my credit card that I hold with their company to XXXX, TransUnion, and XXXX which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no late payments.
Product: Money transfer, virtual currency, or money service

I am in XXXX and I am trying to use my Cash App, since i dont have a US Number. The Cash App worked on my XXXX Cell Number and 5 months ago, it stopped working on my XXXX Number. 

When I called Cash App support today, they are asking me for a US Cell number and I dont have one since I am living in XXXX XXXX how do I access my Accounts. 

I asked for a Manager and they said no manager was available.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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: Debt collection

The company, dollar loan center, calls my personal phone and my work repeatedly around 10 times a day. I have the times and dates in my phone log if needed. They are getting me in trouble with my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX