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

On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I received a call from Capital One stating that my account was flagged and audited for possible fraud. I have several authorized users. None of their cards are activated nor do they have access to their unique card numbers as I have all authorized user cards sent to my home address and not theirs. In addition I have a {$9300.00} credit limit and a {$0.00} balance on my account. I very rarely use this account with the exception of the XXXX season. 

Capital One asked me to contact my authorized users and request that they send me a copy of their social security cards, and the front and back of their drivers licenses. 

I supplied them with most of the information but was still in the process of gathering up copies for the people they named. Capital One told me there was a timeline to get this done but to understand that they could not remove the restriction off of my account until they had all of the required documentation. 

They called me today XX/XX/XXXX and told me they were closing my account because they could not verify one of the documents that I had already sent in. I asked more questions regarding which authorized user they were referring to and they said they could not share any further information with me. I don't believe that any of my user 's are suspicious, but if they are, I would like to know specifically who they are referring to. I believe I should have some sort of clarity and understanding on what's actually happening and why. 

In addition, I have had this account in good standing for over 6 years. I thought I had built a good relationship with the Capital One. I would like to be clear on what this random audit and the outcome means for me and my credit reputation going forward. I have worked hard for my credit standing. 

Also additional information is listed below. 

My XXXX # XXXX XXXX Customer XXXX XXXX XXXX Is the contact number they gave me. 

Thank you so much for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Checking or savings account

I opened a 12 month high yield cd with ally at the end of XX/XX/year>. 

I elected for monthly interest distributions to be sent to my only linked account with ally, the account I funded the CD from. 

When distribution time came they tried to issue to an account I have never seen and also that was not ever linked to my ally. 

The only information ally has given me is the bank account is in my name but the ach was rejected because it is unregistered. The ach attempt was made on XXXX to a XXXX account ending in XXXX. The first rep I spoke with said it was a typo. Every rep I speak with tried to minimize it so I dont suspect what is happening. They are afraid of a big law suit, and I would say, rightfully so. 

The fraudulent ach was rejected and I called ally when I checked the progress as I noticed no interest was deposited in my original bank account. They keep passing the baton. To me it seems obvious there are corrupt employees. Im not sure what to do. I will also contact XXXX about the other account. They keep putting me on hold so Im filing this report as they are probably trying to get their story straight.
Product: Mortgage

I have had a home equity loan with the lender since XXXX. During that time, I regularly made additional payments ( XXXX payments a month ). I had about 2 years in additional payments that had been made, understanding that these additional payments advanced my payment due date. When making a payment, the only options are " regular payment '' or " apply to principal ''. These additional payments were all marked as regular payments Paragraph 8 of my agreement says, " All regular payments will be applied to the satisfaction of scheduled payments in the order in which they become due. '' Despite this, the lender decided that they were " changing the policy '' and ending that ability. Now, a payment is required every month, regardless of whether XXXX payments were made in the previous month. This is not something to which I agreed. They are referring to these additional payments as " prepayments ''. But that is not what they are. A prepayment is when one pays a substantial amount at once -- which I sometimes also did. 

I have never missed a payment, but I make these additional payments in case of an emergency when I would not be able to make a payment ( a catastrophic illness, job loss etc. ) But PNC wants to be able to collect late fees. They insist they can change the terms of my contract at will -- though there is nothing in my contract that makes such a claim. Indeed, if there were, I would have gone to another lender. 

When I called about the issue, it took speaking to XXXX different people, over the course of XXXX days -- they had to call me back instead of transferring me to a manager. They refused to be of any assistance, treated me as if I were ignorant ( " We sent you a letter of the change '' -- as if that is enough to alter a contract ). The last person told me I would have to show where in my contract is says they CAN NOT change the terms of the agreement without my consent -- as if contracts are only binding if it says terms can not be altered.
Product: Credit card or prepaid card

I made a purchase for an ad on XXXX. The company unexpectedly did not publish my ad with my phone number and instead published their own phone number where they intercepted calls. 

I asked the company the next day to change the number listed to my direct number or cancel the ad and issue a refund. The company refused. 

I contact my Visa Signature issuing bank and filed a dispute. Supervisor XXXX at Bank of America 's disputes department informed me that since I was unable to provide a contract that they were denying the claim and would not proceed with contacting the merchants bank or the merchant XXXX
Product: Credit reporting or other personal consumer reports

I request that XXXX and EXPERIAN remove or delete from my consumer report file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. XXXX XXXX XXXX did remove the information but less than a week later they placed the item back on my consumer file. 
XXXX XX/XX/year> Attorney General File was removed. 
XXXX XX/XX/year> Attorney General File was placed back on file. 
XXXX explicitly disregards the Federal laws and my rights to remove this file from my consumer report. I sent letters stating that this account was not derived from a credit transaction nor did I authorize them to furnish any report to all three of the Consumer Agency.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers to dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian`s inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, - XXXX  XXXX : XXXX - XXXX  : XXXX -XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My neighbor has imposed continual maintenance problems on me with landscaping the drainage ditch next to my house. The area has my water pipes, a power line for the street light, and some appliances reside along that wall. My insurance agent will just raise my insurance. I believe my house is being flooded with high radio frequency ( RF ) waves, this caused the street light to go out.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, Writing about my account on Wise being closed without any specific reason. 
I have had my account since last year and i have done some transactions between me and my friends which were necessary for me and I have also provided wise with the documents needed also with the documents from the bank which I took a loan of about XXXXXXXX XXXX  and I must mention that the transactions didn't exceed more then XXXXXXXX XXXX  transaction. 
I really need the account as I work freelance sometimes and receive money and send to friends family and also my colleagues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}. 



XXXX XXXX Account # XXXX XXXX verified or different with the three credit bureaus, also the date of last activity. XXXX violations. 

XXXX XXXX XXXX XXXXXXXX Last date of activity difference on the XXXX credit bureaus also the date of opening is different. XXXX volations XXXX XXXX account # XXXX XXXX verify doesn't match the XXXX XXXX also the date of last active and the date of opening. XXXX. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. XXXX XXXX XXXX XXXX XXXXXXXX Last verified and date of last activity and date of open. 3 volations Total volations 16
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alleged accounts on my credit report that I didn't recognize. I am demanding a removal of it Pursuant FCRA XXXX XXXX Account no : XXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX  Account no : XXXX XXXX XXXX XXXX Account no : XXXX XXXX XXXX XXXX # 1 Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX XXXX Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.
Product: Checking or savings account

In XXXX, I received emails stating an account was opened through Bank of America. I did not open this account. At the time I reached out, communicated with B of A that this was a result of fraud and was able to close the account. 

Here we are in XXXX and the same thing has occurred and I have received several emails stating an account was again opened with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2022 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. 

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Product: Debt collection

They called ( XXXX AZ ) and told me they were calling on a recorded line. Asked for my DOB and SSN. I refused, asked them to explain who they are and why calling. Refused, gave company as " DELTA MANAGEMENT ASSOCIATES, INC. '' -- I asked for EIN/StateFileNumber, they refused. I asked them to validate, claimed they sent letter - never arrived. I see they are a debt collector, but never told me they are collecting debt. Simply refused to say anything but ask for my SSN/DOB. 

Collector Called From : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX. I made a payment of {$1000.00} US dollars to my car loan. About 30 days later the loan went from {$9000.00} to {$9500.00}. That is a 6.6 % per month, or 79.2 % annual percentage rate. 
I would like this loan to be review, because, since XXXX we have paid {$19000.00} onto the loan, that it was originally {$17000.00}.
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. XXXX and TransUnion are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$560.00}
Product: Debt collection

I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. 
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : XXXX  XXXX Revolving Account Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX XXXX XXXX XXXX : XX/XX/XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is charging me {$190.00} for ER services with Florida hospital that were paid by insurance. I have been trying to get it removed and every time I do, they update the dates. This was back in XXXX and now it says it is from XXXX and we have not been in the ER since XXXX. My son was covered under medicaid at the time and the insurance would have paid this. I would not have seen a bill for it. They are rude, unhelpful, discriminatory, and just plain mean in the matter when you call to discuss the issue. They will not send me the original bill or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, ND is a XXXX XXXX according to XXXX maps. 
I was told by EXperian they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. 
I believe my rights have been violated. 
I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX