23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2018 I bought a saxophone for my son with a insurance, in XX/XX/XXXXhe started a lesson, but we discovered that the saxophone was not working, and I want to buy another one better, I call the company and they said I have to fine a claim, they said they will contact me, after several days I received another saxophone, I called them right way and said I did not want another I want to buy a diferente one they said I have to return the one I just got and then once the credit was in my account I could buy another one, but no instruction how to procede with the broken one,, in XX/XX/XXXXthey send me a email saying that o own a balance I talked with them and asked if they send me a box and label o will send back, I was so upset, they never send a return label, and then they send me to collection I called the place I bought because I never received a label, after while the company I bought the saxophone Said sorry and agree to the return, and they will take my name from debit collection. But that never happen, so I return the 2 saxophone and my name still on debit collection. This problem has been carried for almost a 18 months I have proof of email and tracking the everything f has been returned and more the company name is Caine & Weiner XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XXXX, 2019, I processed a payment of {$530.00} for my credit card ( # XXXX ) balance. Forgetting that I had done this, on XXXX XXXX, 2019, I processed another payment of {$530.00}. Both payments were posted on XXXX XXXX, 2019, making my account going into the negative as a refund of {$530.00} was due to me from Chase. I called Chase and spoke to a representative. I explained to him that thus, has never happened before, as I normally get a system prompt that I am not able to process payment because there is a pending transaction. The representative explained that Chase will issue me a check in 7 for the overpayment amount of {$530.00}. I asked for an explanation for why the system allowed me to process a duplicate transaction, and pay against a XXXX balance. The representative informed me that they will send my account for review and see what went wrong. 

The following week, I was not able to use my chase card, as every time I used it, transactions were being denied. I called Chase on XXXX XXXX, 2019, and spoke with XXXX ( Account Supervisor ) from XXXX Arizona. He explained that my account went for review, and there were several transactions that were returned back in XXXX, 2019 ( XX/XX/XXXX, XXXX, and XXXX ) ; therefore, Chase decided to close my account on XX/XX/ 2019. I was very confused about this and explained to him that I already spoke to customer service in the past about this. I have been a long standing Chase customer for over 15 years, without a single delinquent and/or outstanding payments. I have two XXXX XXXX   accounts associated to my Chase credit card, and the payments in XXXX were being posted against the wrong account, which I was confused, and called XXXX XXXX to find out. 

After discovering they were going to the wrong account, I changed the payment account in Chase and paid my balance. The three returned payments were the same transaction, as I was attempting to pay my credit card balance. When I discovered why the payments were being returned, I was able to pay off my credit card balance from the right account, and on time without any late fees. Also, keep in mind that I monitor my credit with Chase and have an excellent credit score ( over 800 score ). My credit limit with Chase was also increase last year. 
Chase refuses to reopen my account. Due to the undue hardship, and this being my longest credit account that has been closed, which have impacted my credit score.
Product: Debt collection

Omni financial personal loans is contacting my wife and daughter in attempt to collect a debt thats solely mine. The current debt I have with them is being managed by XXXX which is working on a settlement so I can settle my debt. I have no idea how they got my spouse number and my daughters number.
Product: Vehicle loan or lease

This compliant is regarding property taxes bill for a leased vehicle that was located in XXXX, TX ( XXXX County ). The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've reached out to GMs customer service team several times and several different ways since XXXX. Several times I was told someone from the property tax dept would contact me within 72 hours regarding my questions below but I have not heard back and I want this resolved so I can pay the bill. I am disputing the two property tax charges until it is corrected/my questions below are addressed. 

1. Per my contract, the value of my vehicle is {$27000.00} ( See page 2 of GM Chat pdf date : XX/XX/XXXX ) but the property tax bill reflects an assessed value from GM of {$70000.00} for XXXX ( See XXXX XXXX png email and attachments XXXX************* and XXXX********* pdfs from the XXXX XXXX team ( date XX/XX/XXXX ). That needs to be corrected and rebilled at the contracted/correct rate. When will this be corrected? 
2. Why are previous years listed on the property tax invoice? My vehicle is a XXXX. ( See XXXX pdf from the XXXX XXXX team received on XX/XX/XXXX ) 3. Why do I have multiple property tax charges : one for {$300.00} and one for {$190.00}. GMs XXXX XXXX team sent a copy of an invoice for {$190.00} ( which is billed incorrectly because of the value listed ) but did not send one for {$300.00}. ( See GM invoice pdf dated XXXX XXXX, XXXX ) Contacted customers service via text : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) Contacted customers service via phone : XX/XX/XXXX Contacted customers service via email : XX/XX/XXXX Contacted customers service via chat : Possibly XX/XX/XXXX did not take screen shots so I am not sure, but that is one of the days I called XXXX County. I was told I needed to contact my local tax office. 
XX/XX/XXXX I contacted the XXXX XXXX Tax office ( for the City of XXXX ) twice and both times told the taxable value is determined by the leasing company who sends the info to the appraisal district. They bill they send to the leasing company is based on the value they receive from the leasing company so there is nothing they can do. Reference XXXX XXXX XXXX XXXX regarding property tax for leased vehicles in the City of XXXX County. 

Additionally, I submitted questions and a complaint regarding the lack of response to my questions to GM Financials complaint department via their online form on their website. Exact date unknown it was between XXXX and XXXX.
Product: Checking or savings account

I file disputes with cash app back on XX/XX/XXXX where someone stole my cash app card my house key my driver license my ssn card and my bank card and also I reported on XX/XX/XXXX my truck was broken into and my phone was stolen with some more information my truck was XXXX XXXX and money is being taking from my account and cash app is avoiding me by denying these unauthorized transaction I reported I have the transaction in my transaction history with cash app from XXXX {$16.00} {$45.00} and many more its like 7 transaction that was taking from my cash app I reported then soon as they start coming in after my family and XXXX  was sending me money thru cash app and cash app is denying these disputes the transaction for {$18.00} I do not know where this location is at
Product: Credit reporting or other personal consumer reports

Took a loan of XXXX lac rupees in XXXX FROM XXXX and foreclosd the account by paying the outstanding. now when i accessed my report in XXXX for some loan purpose i was shocked to see that Transunion XXXX has been reporting this foreclosing as " XXXX '' thus damaging my credit status. 

When i reported this matter to TRANSUNION XXXX in XX/XX/XXXX they said no information is avilable with them. and since no information is available with them ( which is their fault ) that why they can not amend the status from " Settled '' to " Foreclose '' and they are trying to find out the and clarify from the XXXX. 

Now after a passage of XXXX years On XXXX XX/XX/XXXX I Recieved a mail wherein they stated that SINCE THE COMPANY IS NOT EXISTING ANYMORE SO THEY CAN NOT GET IT CROSS VERIFIED FROM THEM AND HENCE IN ABSENCE OF ANY INFORMATION WE ARE NOT ABLE TO GET SO WE CAN NOT CHAGE THE STATUS '' this truely deplorable that they dont repsond on time and giving the vague logic and for their faut of not maintainng the records they are not updating the status hence spoiling my credut history.
Product: Checking or savings account

On the morning of XX/XX/2019 a man by the name of XXXX XXXX hacked into my account and stole an amount of {$600.00}. The man began by trying to take out $ XXXX dollars out of my account using XXXX, which is M and T Banks system for sending money to anyone you wish. The bank had caught this and sent me an email that they stopped these transactions and marked them as fraud. However, later that day the same person began taking smaller amounts of money ranging from $ XXXX dollars. I had called the bank as this man was taking the money to cancel my account as fast as possible. While waiting the man continued to take money. By the end of the phone call the man stole {$600.00}. The bank had told me that they would start an investigation and I should see my money returned within 3-10 business days. As day 10 passed I called the bank to see what the hold up was. I talked to a woman who was the farthest thing from helpful and could care less that I was a client with her bank. She had said that the bank did an investigation and I wasn't going to see my money and that it was my fault and that I sent the money. I began to plea my case stating facts like why would I cancel my own account in the middle of sending these transactions, also why would I sent such small and numerous amounts to this man. Lastly I even got a police report to prove that I wasn't lying but non of this was good enough to get my {$600.00} dollars back. The next coming days I called again because this is absurd that im not getting a dime back. I talked to a gentleman and he proposed taking this man to small claims court, now between court costs and a lawyer I would be well over my {$600.00} lost already, but seeing as this money was sent to this man the bank should have an account number or something as to where the money went but nope, no information is what they said they had on the man.
Product: Debt collection

I have a Federal student loan with Navient dba XXXX, and I have been paying them. There was a time that I fell behind, however, XXXX began to accept my monthly payments again. On XX/XX/2020 I began to receive phone calls and voice messages from someone named XXXX XXXX ( the spelling may not be accurate ) who claims that she represents Pioneer Recovery Services and she is looking to discuss a debt owed.

First, I am making monthly payments to the loan servicer and I do not feel comfortable with paying an entity that I have never received any written or electronic communication from while I am currently paying the monthly fee to XXXX. 
Secondly, I explained this the representative from Pioneer Recovery and she ( this company ) have continued to harass me and those that I know and/or are familiar with. I advised this representative to contact Navient and/or XXXX, as they are accepting my monthly payments. I asked that she, and her company, no longer contact me or anyone that is associated with me. I also requested that she and her company refrain from calling my employer as debt collection calls are not allowed and are grounds for termination. These requests have not been honored ; Ms. XXXX has continued to contact my employer and they have also continued to leave voice messages. My employer has requested that she, and her company, no longer contact them as debt collection calls are not allowed at all for any employee. Unfortunately, the phone calls and voice messages from Ms. XXXX and Pioneer have persisted. 
Ms. XXXX and her company have ignored the adamant requests made, not only by my employer, but by my personal acquaintances which they have located via social media and reached out to via phone. This representative and company have asked that my employer provide them with personal information and details regarding me -- -this is illegal on several fronts. It is also illegal to inform an employer about an employees ' personal economic issues. 
I am filing this complaint to alert your organization about the tactics of XXXX XXXX, a representative of Pioneer Recovery, and Pioneer Recovery as a whole, and how my personal data and information have been compromised and shared with others who were not entitled to this information. 
Please let me know what additional details may be needed in order to cease the harassing phone calls and voice messages that I continue to receive. I would also like to know how best to proceed with filing an official complaint against XXXX XXXX and Pioneer Recovery as they have shared personal, confidential, and sensitive information about me and to third parties that were not privy to this information. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection on my credit report by the name of AWA Collections for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXXXXXX  I have no knowledge of this debt and XXXX investigation came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX  to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXXXXXX  that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.
Product: Mortgage

My original complaint on XX/XX/XXXX ( # XXXX ) was closed yet the issue is still not resolved so I am opening a second complaint for the same issue. This was my first complaint : There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX XXXX As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/XXXX. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure! 

This is the response by New Rex to my complaint stated on XX/XX/XXXX : Ms. XXXX, On behalf of NewRez Processing Management Team, we apologize for the delay and oversight in sending your {$200.00} courtesy gift card. As you have requested, we have mailed your gift card on XX/XX/XXXX. Our offering of the gift card was due to your unsatisfactory experience with delays in closing your loan. 

It has been well over a month now and I still have not received the promised {$200.00} gift card. What is going on? This is beyond ridiculous now
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX Amt {$6700.00} XXXX BANK USA -Acct # XXXX OPened XX/XX/XXXX Amt {$340.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX  XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

Accounts said I owe company I did not get loans from and they been placed on all XXXX credit reports. Information is false
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance : {$5900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with  a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
COLLECTON ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.