23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.
Product: Credit reporting or other personal consumer reports

To whom you make concern I have contacted ALL companies : XXXX, ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : XXXX : XXXX XXXXXXXX  XXXX, 2024 INQUIRY : ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024
Product: Mortgage

The mortgage loan number XXXX was obtained in XX/XX/XXXX. I made my first payment XX/XX/XXXX. I have paid monthly until the payment I set up for XX/XX/XXXX would not be accepted at the previous address in XXXX, XXXX. The letter telling me not to send any checks to XXXX arrived on XX/XX/XXXX with a new loan number XXXX. I had to put a stop payment on that check and issued another payment to the address I was given in XXXX, NJ. I sent a payment to the new address on XX/XX/XXXX. On XX/XX/XXXX, I received notice from my bank 's Bill Pay that the payment had been rejected. After calling both the old loan processing center and the new processing center i was told the new center would not accept a payment until XX/XX/XXXX. That makes no sense and just allows them to collect more interest and more late penalties. After insisting that I needed a place to send my payment I was given a po box in LA and told to mail a hand written check with the new loan number on it to the po box . I will put a check in the mail. I have no payment coupon and it will not arrive on time. The mortgage company can then collect more interest on the outstanding balance which I am trying to reduce to 0 as soon as possible. This seems like a scam. I have tried my best and spent over 2 hours on the phone with them. It seems like they didn't have the transition in place before sending the letter to change my loan number and payment address.
Product: Consumer Loan

I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account # : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$27000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Bank account or service

On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card. 
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided. 

On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since. 

I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number XXXX ).
Product: Debt collection

This is from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX with all the relevant information they needed to verify my claims but the funny this is these fraudulent inquiries are still showing on my credit report.

please delete these erroneous inquiries from my report asap : - XXXX   XXXX XXXX XXXX  -- - pulled lastXX/XX/XXXX - XXXX XXXX -- -- pulled lastXX/XX/XXXX - XXXX XXXX -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX Pulled lastXX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX -- -- XX/XX/XXXX - XXXX XXXX XXXX XXXX- pulled last XX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX
Product: Credit card or prepaid card

I booked a round trip ticket to XXXX thru XXXX XXXX. on my Chase Amazon Visa. Hurricane Dorian struck yesterday @ XXXX XXXX XXXX S.C. doing major damage to my house. I have tried to cancel my tickets thru XXXX XXXX ... .they said that I would have to contact XXXX and XXXX airlines directly. I got the " mailbox full '' message from both airlines, leaving me with nowhere to go. When I finally contacted XXXX today, the call center representative spoke broken English which went nowhere. I have asked Chase Manhattan to charge back the airlines ( XXXX and XXXX ) on my behalf. They refused.
Product: Credit card or prepaid card

A guy called saying someone in XXXX was charging on my capitol 1 XXXX. Then he wanted to close and send new card. To do that he wanted my card info and all my credit cards. Said it was to protect all cards because someone had all my info my SS and morhers maiden name. The number he called from was from XXXX california. Said nzme was XXXX XXXX desk # XXXX XXXX XXXX emp id # XXXX. The number he called from was XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A friend send me some money through my XXXX XXXX XXXXXXXX Zelle account and I sis not get it due to the account being closed. I begged them to refund the money but the refuse to so so and still havent to this day. This is fraud
Product: Checking or savings account

I deposited a check of {$79000.00} from my personal check of XXXX  XXXX XXXX ( XXXX  ) to my XXXX account on XX/XX/XXXX. As I needed the money by XX/XX/XXXX, I asked whether it would be available in this Chase account by the date ( XX/XX/XXXX ) at a Chase bank branch, and a Chase associate said " yes '' after talking with the branch manager once I could show the balance was available by using my BOA app on next day ( XX/XX/XXXX ) ( I specifically told that I would not deposit my check if it's not available by XX/XX/XXXX ). I came to the branch on XX/XX/XXXX and showed the XXXX  app to one of the Chase associates. She said she would call me once the holding is released. I got a call in the afternoon on XX/XX/XXXX and the associate told me that the money would not be available until XX/XX/XXXX. I revisited the branch and talked with the branch manager. She told me that it happened as my account was new ( less than 60 days ). However, it's already over 60 days, and my account can't be classified as a new account. She also explained that it could happen even to customers having millions in his/her accounts or long-time customers of Chase. ( I have been a customer of Chase since XXXX, more than 20 years, but probably I'm not qualified as a long-time customer ) She took a picture of the cleared BOA check from my BOA app, and she told me that she would try to release the holding. No contact from the branch manager since then. I called Chase customer service on XX/XX/XXXX and talked in a three-way conference call among Chase, XXXX, and myself to verify that XXXX  already cleared my check from the BOA side and it is Chase bank that is not releasing my money to my account. ( The 3-way conference call was initiated by the Chase associate ) Chase associate told me that the money would be available soon on XX/XX/XXXX. Nothing happened and no contact from Chase Bank since then. I sent emails twice to Chase, and the reply asked me to contact another Chase phone number to release the holding. I called today, but no resolution yet. I have my personal Chase account since XXXX and the XXXX  account since XXXX. Can XXXX hold my check for 10 days in this case? They told me that it was holding as it was my first deposit of a check. I don't think that could be one of the reasons according to the Expedited Funds Availability Act ( EFAA ). I'm wondering how much the bank can use free money for its profit by using this type of tactic if I'm not the only one in this situation. I lost my interest from XXXX, and can't use the money for my business for 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my XXXX XXXX XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Product: Credit card

I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.
Product: Student loan

I transferred my FFELP loans serviced by NAVIENT to DIRECT LOANS serviced by XXXX XXXX. I applied for this transfer ( re-consolidation from FFELP to XXXX ) on XX/XX/2022. The estimated payoff on that date per NAVIENT was {$110000.00} in subsidized loans and {$53000.00} in unsubsidized loans. NAVIENT received payment in full on XX/XX/2022 of {$160000.00}. {$110000.00} was paid to subsidized loans and {$53000.00} was paid to unsubsidized loans serviced by NAVIENT ( more than the amount stated when the re-consolidation was applied for at XXXX on XX/XX/XXXX ). Prior to transfer of these loans to XXXX XXXX these loans were in an XXXX payment plan. The payment amount was XXXX. NAVIENT now states, after the loans were paid off and transferred, that I owe NAVIENT {$92.00} per my conversation with them on XX/XX/XXXX. This is inaccurate. The monthly payment was {$0.00} under XXXX prior to the loan transfer/re-consolidation to servicer XXXX XXXX XXXX I do not owe NAVIENT {$92.00}. The entire loan amount held by NAVIENT was requested to be transferred to XXXX XXXX. No remaining amount should be held my NAVIENT. Moreover, NAVIENT was paid more ( additional interest ) than they stated the payoff amount was for these loans. The current interest rate on these loans is XXXX percent. Please assist with having this resolved as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS RIDICULOUS!! 
I have tried to be patient with the Bureaus regarding my credit report. As a consumer I have the right to a credit report that 100 % accurate. I have sent several letters to the Bureaus and they have not only ignored my request but continue to allow inaccurate and duplicate accounts on my credit report. Today I will be showing how I have multiple duplicate account on my credit report that is damaging my score unfairly! Despite me disputing these account The bureaus allow the furnishers to report inaccurate information and duplicate information. 
For instance XXXX XXXX is account number XXXX and is currently being disputed. Instead of it being verified or removed from my Report each Bureau is allowing it to be reported AGAIN under XXXX XXXX same account number with a OBSARD amount that is over a XXXX increase and when I asked them to verify this information the response is always " they have verified the information ', if this information is being verified I shouldn't have the duplicate accounts with completely different amounts! 
This same account is added to my Transunion and XXXX account again with a slightly different account number but the same amount being reported and the original account being the XXXX XXXX, XXXX, XXXX added it again as XXXX this is the same account on my credit report 3xs with Transunion and XXXX and twice with XXXX. 
XXXX tried to hide their error by changing the account number but keeping the amount this is showed by comparing the accounts to the original on my credit report XXXX but still referencing the XXXX account number I'm attaching my most recent credit report as proof of this error. THERE IS NO EXCUSE OF THE BUREAUS NEGLIENCE CONCERING THIS ACCOUNT! I have sent letters that have been ignored. Followed up with more letter that were again IGNORED. I have submitted complaints in here that were derailed!!!! 
Again as a consumer I have the RIGHT to a credit report that is 100 % accurate! According the the FCRA the Bureaus have a duty to verify all information before it is added to a consumers credit report. This is one instance that outwardly shows that the Bureaus aren't doing their jobs. In former complaints I have made in the CFPB the bureaus have all stated that they have began a investigation. There will be NO MORE PROCRASTINATION regarding inaccurate and duplicate information on my credit report. The only response that I want to see from the Bureaus is that these duplicate and inaccurate accounts were DELETED from my report. Any other response I will be filing another complaint with the XXXX, the FTC and taking whatever measure that I legally have in my rights! It has been over now 120 days and I will NOT SIT BACK and be BULLIED AND MISREPENSTED BY FALSE INFORMATION! I am a CONSUMER and the FCRA has guideline that BUREAUS AND FURNISHERS MUST FOLLOW!! The CFPB HAS A ROLE TO PROTECT ME AS A CONSUMER! 
I have submitted my Credit report as PROOF of this MISREPRESNETATION! THIS MATTER MUST BE CORRECTED!
Product: Debt collection

XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts on my credit report. 

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