23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage with XXXX 

PERSONAL INFORMATION : Property is at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

They transferred my loan to Suntrust according to XXXX. 
Suntrust never contacted me except to send me an email saying payment is due. I tried to login to Suntrust but their system would not let me because I did not have a Suntrust account number. ( Suntrust never contacted me with an account number. ) I replied to the Suntrust email and asked for my account number yet the email to Suntrust bounced.

I called Suntrust and was on hold collectively for 1 hour and 20 minutes and no one there could tell me my account number.

I can not make payment on the mortgage to Suntrust or setup Suntrust autodebit if they will not tell me my account number.

Then Suntrust sent a form email saying they were sorry that prior email about mortgage being due was sent in error and they would soon mail us an intro letter from Suntrust. Yet 3 weeks has past and I still have not received any letter from Suntrust. I still do not know my account number so I can not make a payment on my mortgage. Thus my mortgage is likely late and Suntrust is ruining my credit score because I can not make a mortgage payment because Suntrust will not tell me my account number.
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Credit reporting or other personal consumer reports

I have been getting random emails from a company called XXXX for months, which all say that the application was sent from a different company that I have never heard of. I have not authorized a single application that has been sent to them, although when they did approve one of them after months of doing this and denying all of them for different reasons, I decided to see what would happen if I played along with them. That one was then denied. 
XX/XX/year> was the first email that I received saying that they were working on an application, which I replied to saying that I did not fill any application out. I mentioned that I have been a victim of identity theft, and sent them a notice to furnisher from the FTC. That email bounced back, as the " support @ XXXX  '' Email is a redirect to " XXXX ''. 
I have called in several times to be hung up on by an automated assistant. 
I finally did reach them today, and they stand by all of the applications that they are processing without my approval. They all say the same thing that their emails say, that they know that it is frustrating but they have their processes ( Which are largely illegal ) and can not say any more but that they are protecting themselves. 
I would say they should be protecting themselves because they are a massive fraud factory pumping out hard inquiries, XXXX a week and multiple at a time. I asked what time they received XXXX applications from over a week ago that they just emailed me about, and was given a time span of 1 minute. I said " so that is clearly not something that I would do. How are you allowing 3 applications to be processed at the same time under one account number, that I can not log into without auto submitting more applications? '' ( That is another point, every email references the same account, that is not an account. Not one that can be logged into without autosubmitting another application. ) I was told, of course, that they know that it is frustrating to have hard inquiries, but that I can trust them that they are only acting in their own best interest. Literally. I recorded it but accidentally had another program open and on mute so the recording is ruined, but they literally tell you that they are only operating in their own best interest. 

I '' ve attached every email that I '' ve received and sent since XX/XX/XXXX. I will be filing a police report for identity theft, and fraud, and am going to do my best to report this to any other agency that may be able to look into this racketeering scam that only exists for some reason as far as I can tell to run credit inquiries over and over again.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and i've asked for them to be removed and the bureau haven't did as i asked. i am providing an identity report attached to this and i am requesting the inquiries to be removed. because they are inaccurate and are not mine. 

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 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 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
Product: Student loan

this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .
Product: Credit reporting or other personal consumer reports

With guidance from the CFPB, the required documents and a letter from an advocacy group assisting me due to debt bondage XXXX XXXX XXXX XXXXXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I request that you block and delete the listed accounts from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am indeed a victim of debt XXXX XXXX XXXX and request that all listed accounts be blocked and deleted from my Equifax credit report. Delete and block these accounts from my Equifax credit 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  {$30000.00}.
Product: Consumer Loan

I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.
Product: Vehicle loan or lease

On XX/XX/XXXX, I tried to make a final payoff for the amount of {$790.00} for my XXXX XXXX truck using the Westlake phone app. The online service gave me an error, and said it " could not process the payment '', and said to call customer service. I called and made the final pay-off over the phone that day for {$790.00}. The following day, my bank notified me that I was over drafted because I was charged twice! I called Westlake immediately to try to resolve the problem, and after some horrible communication issues with agent, he said I would be refunded. Today, XX/XX/XXXX, my bank account had still had not been refunded. I called Westlake, and they said I would not receive a refund for another five to six weeks! And it would be mailed to me in the form of a bank/debit type card. This is completely unacceptable! It was a mistake due to their app. I should have been refunded, to my bank in less than one week. Horrible service! I would not recommend Westlake for any loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )
Product: Mortgage

Gregory funding are a bunch of crooks they raised my mortage XXXX dollars a month which they claimed was due to higher taxes and now i find out they are not paying my taxes and charging me they need to fix this I jave a perfect payment history
Product: Debt collection

Subject : Request for Removal of Accounts Included in Bankruptcy from Credit Report I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in 2018 and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines. 

The following accounts were discharged through the bankruptcy process : - XXXX  - XXXX XXXX  - XXXX XXXX  ( XXXX ) - XXXX  - XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Jefferson Capital Systems or XXXX XXXX  ) - XXXX  XXXX - XXXX  - XXXX  XXXX  - XXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these discharged accounts, as I am prepared to pursue legal action if necessary. 

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( 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. 16 U.S. Code 1681i ( 5 ) treatment
of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency XXXX  ) 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 : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two accounts that are not mine and invalid from XXXX for {$3100.00} & another one from XXXX for {$2000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX XXXX XXXX XXXX, so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my XXXX parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on XXXX XXXX, and was exhausted from XXXX the night before. I was under the XXXX XXXX XXXX XXXX, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on Venmo. 

Me and my mother also contacted Venmo immediately. And I was informed that I would need to contact my bank for a refund. 

Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the Venmo charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. 

The police was also contacted, and a police report was made with a case number of XXXX XXXX 

After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. 

I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went get a car loan and the company applied to several companies XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX
Product: Debt collection

This company calls repeatedly including my work. I can not receive calls of this nature at my place of employment. Futhermore, I have no idea what this debt is for or who the original owner of the debt might be.
Product: Credit reporting or other personal consumer reports

I am seeing companies being reported on my credit report that I did not open. I have sent correspondences to the credit reporting agencies but have only XXXX have removed the accounts. Experian and XXXX have not removed the accounts thus far.
Product: Money transfers

My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.
Product: Money transfer, virtual currency, or money service

I created an account on binance.us on XX/XX/2022, passed verification, provided all the necessary proof of residence. Set up a deposit from my XXXX bank using their built-in plaid.com plugin which required an XXXX confirmation to connect a third party account to binance.us. Deposited for a total amount of {$2000.00} on XX/XX/2022, which are suspended for XXXX days. On XX/XX/2022, my account was suspended without any explanation and required to provide video evidence, which I provided. I received an email on XXXX they won't let me use their services and I have XXXX hours to withdraw the funds. As of XX/XX/XXXX my account is still locked out, I can't login and their support team is not responding or helping.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : 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: Credit card or prepaid card

I opened a Raymour and Flanigan credit account under TD Bank in mid XXXX when purchasing two items of furniture. Unfortunately, when I received my first bill, I discovered by seeing the min amount due, that something went wrong and I did not get what was promised to me by the vendor, XXXX & XXXX. The particulars are not that important for this case but my min payment was not supposed to be that high ( {$120.00} ). I had specifically told the salesperson what I could afford as a min payment and it wasn't anywhere near that. I called the bank immediately and spoke to both an agent and a supervisor. The supervisor told me that the only way to get the min payment down was to get the vendor to extend the terms, i.e., to give me XXXX, instead of the XXXX. That would lower my payment. I filed an immediate dispute with the agent that day, explaining in detail, patiently what the issue was. I must have repeated myself five times. I was very thorough. The supervisor could not tell me whether or not I was responsible for the min payment or if I would be getting a late fee, under the dispute. I am not sure why. I always thought that everything is on hold during a dispute. I did not pay the min payment on time due to it being so high. I was not prepared for it did not have it. It was also not what I expected under deal I was offered from the vendor. However, in good faith I still made a payment of {$100.00} just a few days later. The dispute was opened two days after the due date. I found out when I received the letter in the mail from the bank, in triplicate, that the dispute was totally incorrect. Not one thing was right. I never claimed what they were stating. They told me I lost the dispute and it was closed. of course. No surprise there. The agent was either completely incompetent or they could care less what a customer was stating and put down whatever they wanted to hear. Whatever the case, it was wrong. No wonder I lost the dispute. I had been, in the meantime working with the vendor to change the terms. They gave me a hard time but agreed to do it and finally did, after several weeks. However, my min payment was never lowered. When I looked today, I seen that it is still $ XXXX. I got a supervisor again and was told that it is not being lowered. The correction to the 18mos has nothing to do with it. It is the vendor that has the agreement of the min payment being 3.5 % of the balance that is doing this. Not the length of the 0 % finance. What? So, they gave me erroneous info that I told the vendor? Are they kidding me? Now what? Now, I go back to the vendor again? What do I beg for now? Return one of the pieces of furniture? That is not going to happen. They are not going to take it back and frankly, I can't blame them. So how do I fix this? Not pay my bill? I can not afford a min payment of {$120.00} per month. Period. This has to be fixed and why when an amount is under dispute was I responsible for the min payment and or a late fee?
Product: Debt collection

Someone stole my identity, can you remove please? XXXX has really investigated and done so already.
Product: Credit card

I have filed multiple disputes with ELAN FINANCIAL SERVICES- for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, ELAN FINANCIAL SERVICES - respond by sending me a letter stating that they verified that this account belongs to me - ELAN FINANCIAL SERVICES - own policy Zero Liability Protection - Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, ELAN FINANCIAL SERVICES - bank act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether ELAN FINANCIAL SERVICES - does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want ELAN FINANCIAL SERVICES- to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Product: Vehicle loan or lease

I refinanced my Fifth Third loan on my XXXX XXXX XXXX through XXXX XXXX. I sent in a check for the sum of {$3500.00} to XXXX XXXX and they made a check for the remainder and sent it to Fifth Third. These checks were received and signed for by someone named XXXX at their overnight payoff address on XX/XX/XXXX. I noticed that they were still not cashed on the XXXX and have been calling for action to be taken repeatedly to no avail. I now have a payment coming up that is due on XX/XX/XXXX to Fifth Third and another for my new lender on XX/XX/XXXX. I asked Fifth Third to reimburse me for the fee to put a stop on my check that I sent and was lost by them and they refused. I also asked if they could temporarily suspend my payment being due which they said they would not. I now have {$1000.00} of payments due next month on a car that is financed for $ XXXX. During this whole process I was hung up on the better part of 4 times, dealt with multiple people in online chat that constantly asked the same question over and over and over and were generally not helpful, and have been incredibly stressed for over a week.