23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From XXXX XXXX to XXXX XXXX, I received XXXX calls from One Main Financial, placed from phone numbers XXXX, XXXX, XXXX, and XXXX. XXXX of those calls were made to me at XXXX and XXXX call at XXXX When the calls went to voice mail a message was left telling me to contact One Main Financial about an important financial matter. When I called, they wanted my loan number ( I do n't have XXXX -- I have no financial dealings with One Main Financial ) or my social security number, which I refused to provide since I do n't know if this company is legitimate. On the occasions they reached me directly, I would tell them the person they wanted was not at this number and they should stop calling me, but the calls continued. I gave them my name and phone number and they acknowledged they had no record of me in their database. From XXXX XXXX to XXXX, I called them daily telling them to stop placing calls to my phone number and was told a supervisor would take care of that, but the calls continued. Finally, on XXXX XXXX, I was told that they were calling XXXX and trying to reach XXXX XXXX or XXXX XXXX. The operator had no idea why she had incorrectly called my number, which differs by XXXX digit, but that she would report it to a supervisor. Most of the calls were received on my voice mail, and when calling the number they left, it was difficult to reach a live operator, the operator refused to direct me to a supervisor, and promised to fix the problem, which was often not done. No operator was available after hours in Texas. Calls were placed outrageously early and interrupted my sleep. No one ever apologized for the disruption of having debt collectors unjustifiably calling my number several times daily, filling up my voice mail, and possibly conducting fraud by asking for my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name XXXX XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit card or prepaid card

I received a XXXX XXXX  from XXXX XXXX  on XX/XX/22. I never applied for a credit card with this company. Upon contacting them I was notified that my name, social security number, address, and birthdate were all used to apply for this card. I have all 3 credit agencies credit frozen and I have XXXX. I had to call XXXX 3 times just to get the account closed and they were not very cooperative. In total I spent half a day just trying to get the account closed and they directed me to report to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The lease with honda finance was terminated under the Servicemembers ' Civil Relief Act of 2003 in XXXX and the only directions that they gave me was to turn in the car, which I did as requested. They still are posting my account being delinquent wen this is not the case at the payments were always on time.
Product: Checking or savings account

A fraudulent copy of my debit card was somehow made at the Chase XXXX XXXX Bank through my use of the ATM there once in XXXX of XXXX. This fraudulent copy of my debit card or the card information was subsequently used three times - once on XX/XX/XXXX for {$130.00}, XX/XX/XXXX for {$160.00} and XX/XX/XXXX for {$98.00}, all at the XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX IL. I've never used this ATM. I filed a claim immediately with Chase Bank and they rejected the claim because it was an exact copy of my chip. The chip copy was entirely fraudulent, as I am the only individual in possession of an issued debit card. The bank customer service upon contacting them reiterated they only do a surface financial investigation and will not investigate further unless subpoenaed. I filed a police report on XX/XX/XXXX, report # - XXXX, and have heard nothing still as of XX/XX/XXXX.
Product: Debt collection

Diaz and associates contacted my place of employment without ever notifying me by mail or my private number on XX/XX/31 and XXXX. Theyve called there several times. When I called on XXXX to verify why they was calling for an unknown debt and asked why I was being harassed at my employer I was transferred to a manager ( XXXX XXXX ). He became angry on the phone and threatening that I need to pay debt of {$3200.00}. I then called the payday loan and it was accurate I owed a debt but my debt was given to XXXX XXXX. I called them there and my account is still open with them, not Diaz and associates and my amount asked is actually {$2300.00} per XXXX XXXX. Another person called me from Diaz and associates and again tried to say I owed this debt, wanted me to give him my current address and other information and demanding i pay them. When I said I was filing a complaint and calling my attorney general he became angry and was saying I owed this debt and needed to pay. I explained several times Ive spoke with XXXX XXXX XXXX and I will be going through XXXX XXXX the debt collection XXXX XXXX XXXX   sent my debt to. I tried to tell him to stop calling my employer and he hung up. I called back because he would not let me get the words out and kept hanging up on me so I could not state not to call anymore.
Product: Credit reporting or other personal consumer reports

Here is the email I reported to XXXX. This is a very sophisticated phishing scam. 

To whom it may concern : I received the email below, and called into XXXX directly. A XXXX representative confirmed this email as legitimate. So I clicked the link and logged into XXXX site. In the XXXX XXXX XXXX alerts, there was a new alert. The new alert contained a phone number for XXXX XXXX. 

Unfortunately, I confirmed with XXXX XXXX the number listed is not theirs only after calling the number. When I called the number before confirming XXXX XXXX XXXX, they asked for my Social Security number, my address, and my phone number. Which I gave them because I had gotten the phone number from XXXX website. 

It seems someone has figured out how to give fraudulent information to the XXXX XXXX XXXX product. Which is certainly not what I signed up for. 

Please look into this, Begin forwarded message : From : XXXX XXXX XXXX XXXX Date : XX/XX/year> at XXXX PDT To : XXXX Subject : Review new activity on a dormant account See details about your credit report activity XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT ACTIVITY It looks like you have new activity on one of your accounts You haven't used this account in more than 6 months. Head over to XXXX XXXX to make sure you recognize this activity, and if you don't, see how we can help. 
Get the details XXXX XXXX XXXX XXXX provided by Experian. If you have questions, please visit our Help & support page for more information. 

ABOUT THIS MESSAGE XXXX XXXX XXXX is available for select mobile devices. Message and data rates may apply. 

This service email was sent based on your alert settings. Use the XXXX XXXX XXXX  or visit chase.com/alerts to view or manage your settings. 

XXXX can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check XXXX  or the XXXX XXXX app for the status of your accounts including your latest account balances and transaction details. 

To protect your personal information, please don't reply to this message. XXXX won't ask for confidential information in an email. 

If you have concerns about the authenticity of this message or have questions about your account visit XXXX for ways to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a Capital One credit card holder since XXXX. On XX/XX/XXXX, I made a {$3000.00} deposit into my recently opened Capital One 360 Checking account. I was subsequently informed that I would have to go into a Capital One branch or XXXX to complete the identification process. I live in XXXX, NC, and there is no Capital One facility within XXXX miles. Since Capital One is unwilling to open the account, I requested closure of the account and return of my deposit. 

I have called four times and sent a letter and still have no firm answer on when my funds will be returned to me. Since I have had to pull funds from my money market account to make up for this shortfall, I expect both for my original {$3000.00} to be returned, and to receive interest for the time Capital One has withheld my funds from me.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) allows victims of identity theft to request that credit bureaus block fraudulent information from their credit reports.

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX bankruptcy XXXX Filed on XX/XX/year> Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I recei
ved from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans XXXX my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX law firm and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
Product: Student loan

After defaulting on XXXX private loans provided by Navient, formerly XXXX XXXX, my loans were handed to XXXX XXXX, XXXX to attempt and collect the balance owed. In XXXX of 2014 I entered into a zero-interest reduction repayment plan with monthly payments of {$250.00} and an interest rate of 0.01 % on all XXXX loans. Two months ago after filing my taxes I realized my balance seemed significantly higher than it should being on this type of interest reduction plan. 

I called and spoke with XXXX XXXX, XXXX who verified I was on the correct reduction plan, but that only XXXX of my loans actually had the plan applied to it and this had been the case for the nearly three years I have been paying ; as such I am being wrongfully charged interest. I have been fighting with the company for nearly two months to correct the issue and I continue to be told that it is being taken care of, but then nothing happens. I 've now been told by XXXX representatives and their respective managers that the process is being started to request a correction to my interest rates as well as a balance adjustment, retroactively reflecting the correct interest charges dating back to XXXX of 2014. 

This seems like a direct violation of our contractual agreement regarding repayment - what, if any, course of actions can I take? I continue to be charged wrongfully on my debt - which is a significant amount of money based on the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax - from my understanding complied with the terms of my dispute and updated my credit file. The issue has now become I do not have access to my updated credit score, nor my updated report showing the new report after the completed disputes. Every time I call in to get an updated score or have a report sent to me they try to sell me credit monitoring and other services to show me my report. Due to the nature of the dispute I should be able to see updated information using their free login once everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Exeter XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights 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 1668b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information
Product: Student loan

Navient has lost my payments on several occasions, then taken away the benefits that I should get for paying on time. I 've had to fight them multiple times because this keeps increasing my loan balance. I 'm also on an income based repayment plan. Every year, they miscalculate my income, and they try to force me to pay more than I should. I spent three months this year getting that straightened out and called several times a week. I was literally in tears thinking I had to pay over {$700.00} in loan payments instead of {$78.00} a month all because multiple people did n't know how to calculate a loan payment, kept doubling or tripling my income, and refused to listen when I explained to them what they were doing wrong. On top of this, I live overseas, so they 've made it incredibly difficult for me to resolve issues. I 've had to get up in the middle of the night more times than I can count to call about one issue or another. It placed undue stress on me. This last fiasco happened the month I delivered my baby and went on for two more months. Instead of sleeping a XXXX, I was staying up late and dealing with their mistakes. Right after they fixed this one, they went on to lose two of my payments that were made on time. Furthermore, they have called and harassed my grandparents about my loans even though I 've repeatedly asked them not to. I 've put in several complaints and asked them to remove their telephone numbers and contact info, but they refuse to. My grandparents are in their XXXX 's! The worst part of this was that they were calling to say my payments were late even though I 'd called several times, letting them know the payments had been made earlier than required but they 'd lost it, or, in one case, misallocated it. So, they had their money and still continued to call for months ...
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Financial never billed us, or send emails ... nothing. Apparently, we paid them with an auto withdrawal for months. Then when our account was hacked we closed and reopened a new one. When were notified on our credit we were 30 days late we called. We paid them immediately and the employee checked with his supervisor to ask for the late remarks to be removed. They agreed they would take them off after the payment process. We called back a week later, This is in XXXX of XXXX Monterey then said they would not remove the late remark. At that point, we paid off the account in full because they were dishonest, and never send bills in the mail or in any other form.