23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.
Product: Credit reporting or other personal consumer reports

This company violated my privacy and per the FCRA unauthorized inquires such as these can result in statutory damages of {$1000.00} Per violation which is a violation of 15 USC 1681n. See attached documents.
Product: Checking or savings account

I was to receive my direct deposit from my employer today XX/XX/year> in the amount of {$1400.00}. My bank account never reflected this and I have been unable to use my bank account for over XXXX. I lost a day of work due to this and Capital One is not helping and I have a phone bill, rent, and daycare to pay for and I honestly have no idea how i'm picking my daughter up from school, getting home, and even feeding her.
Product: Credit reporting

There are XXXX hard inquires listed on my credit reports from Mortgage companies XX/XX/2015. I shopped for the best rate and terms for my Loan Refinance. I was told by these companies that these hard inquires should only be counted as XXXX and not be counted individually. These inquiries are as follows : XXXX XXXX, 2015 : XXXX XXXX, XXXX XXXX, 2015 : XXXX XXXX XXXX and XXXX XXXX, 2015 : XXXX XXXX Please review these hard inquires and make the necessary changes and corrections on my credit report.
Product: Mortgage

My escrow was negative and oceanside agred to spread escrow shortage over 60 months. This was approved in XXXX but did not take affect till XXXX. For the month of XXXX per their nots on XX/XX/XXXX, I was told to XXXX XXXX and my mortgage would update in XXXX. My XXXX mortgage of XXXX is wrong and does not reflect the agreement to spread escrow over 60 months. I am now considred late and this is affecting my credit. My mortgage is XXXX which I am paying. I tried to work this out to no avail. The issue is {$250.00} over charge for the month of XXXX. I should get credit for My XXXX XXXX payment. This is My second complaint
Product: Credit reporting

I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

according the Fair Credit reporting Act and XXXX accounts : 1. XXXX XXXXXXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).
Product: Bank account or service

I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX XXXX, the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Credit reporting or other personal consumer reports

Hard pull on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company never sent me notice of medical debt owed and is now using fake phone numbers to contact me. They call from phone number XXXX. They tell me to call that number back but it leads to a disconnected number for a permanently closed business by the name of patriot land title in XXXX Indiana. 

The caller refers to their company as Medical & Professional Collection Services which when you look that business up the actual phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
Product: Vehicle loan or lease

Exter financial after I contacted them about a XXXX problem in my XXXX XXXX XXXX all they did was kept placing me on hold and phone space! I research recalls on that year XXXX  after I was driving and my XXXX would not steer brake when I was coming up to a turn and stlop light at the end of XXXX XXXX XXXX .I went head on into rush hour traffic and hit a XXXX XXXX truck the driver stated to the officer he was wrenching on the steering wheel and XXXX XXXX standing up to get the truck to brake and his face told it all he looked scared and his eyes where big as saucers. I did not get a ticket but I reported it to exter financial and they just blew me off came took the vehicle and still charging me the whole loan after it being repossessed volunteering this is very unprofessional and wrong... XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Consummer Protection Board Official, Summary : Looking to my credit card account with Chase Bank ( VISA XXXX ) at chase.com, I noted that the amount of {$540.00} was debited three times to my credit card account for a total debit of {$1600.00}. However the amount of {$540.00} was credited two times to my credit card for a total credit of {$1000.00}. Thus Chase Bank debited my credit card fraudulently for the amount of {$1600.00} - {$1000.00} = {$540.00} without any parchase done. 

Facts : I tried to make an XXXX purchase on XX/XX/2020 for the amount of {$540.00}. This purchase was immediately canceled by the seller at the request of the same seller. After canceling the purchase order, the seller immediately reimbursed my credit card for the amount of {$540.00}, leaving the transaction at XXXX. However, Chase Bank debited my credit card three times and credited my card two times and now when adding and subtracting, Chase Bank appears charging or debiting my credit card fraudulently for the amount of {$540.00}, when it must be XXXX, because there was no purchase because the seller canceled the order and refund the amount of {$540.00}. 

Please review this as soon as possible and order Chase Bank to credited my account for the amount of {$540.00}. The transaction total must be XXXX because there was no purchase. 

The following are the transaction as noted in my credit card statement ... 

XXXX XXXX XXXX XXXX + {$540.00} XXXX   XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX XXXX + {$540.00} XXXX XXXX XXXX XXXX XXXX {$540.00} TOTAL IN TRANSACTIONS + {$540.00} ( SHOULD BE XXXX BECAUSE THERE WAS NOT PURCHASE. 

Thanks XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX
Product: Debt collection

I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.
Product: Checking or savings account

In  XXXX   XXXX  I lost my  Chase Bank`s  debit card. When I noticed the lose of my debit card I checked my internet banking and there were several unauthorized transactions. I called Chase Bank immediately on  XXXX   XXXX ,  XXXX  and informed that my debit card was lost and disputed all unauthorized debit card transactions with them. Chase Bank opened a claim regarding that issue. After that they issued temporary credits. Thing that surprised me that they forgot to apply full temporary credit at the beginning for all unauthorized transactions. I called them several times and only after that they put a credit for all unauthorized transactions.   After they send me some documents which I signed and send them back.   On  XXXX   XXXX  and on  XXXX   XXXX  Chase Bank reversed back all credits and denied my claim without providing me any explanation and any proof of their investigation.   I contacted them several times and requested from them written proofs of investigation but they refused to re investigate and honor my claim without providing me any grounds and documents in regards of declining my claim. It is terrifying that on  XXXX  century is not safe to keep your money in a bank and you are not fully protected even there are some laws stating that you are not liable for any unauthorized transactions. As an example Chase Bank was not able to protect my money and did not investigate the issue to help me recover my lose.   On  XXXX / XXXX / XXXX  I am submitting official request thru Consumer Financial Protection Bureau because I want to make sure that this notice will go to the Chase Bank as I noticed that all my documents regarding my claim was disappeared and I want credit for all unauthorized transactions.     Please see attached documents supporting my claim.     P.S. On  XXXX   XXXX  I have changed my first and last name.   My old first name was  XXXX  last name was  XXXX   XXXX  new first name is  XXXX  last name is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to your company about some items on my credit report. 
The following accounts XXXX XXXX XXXX shows 2 missed payments and XXXX XXXX XXXX 1 missed payments and XXXX XXXX  servicing is showing late payments I sent that letter and still have not gotten any response from your company under fcra you have to remove those late payments because you Equifax didn't do your job. under usc 1681 ( a ) ( 4 ) unfair reporting of information before consulting with me the natural person is illegal. you don't have proof that the alleged transaction took place. You are furnishing unverified information based off one sided information. and your company had a conversation with the corporation without my knowledge without my permission. 

1. ) you didn't investigate my dispute letter i sent on XX/XX/2021 it has been well over 30 days 2. ) you are reporting unverified information on my consumer report without my permission and knowledge Please remove these late payments and accounts immediately or I will be sending your company a invoice of XXXX dollars for each violation under fcra 3. ) 15 U.S. Code 1666 All supporting documents will be attached to this cfpb complaint
Product: Vehicle loan or lease

Company did not comply in the right manner according USC. This situation has happened multiple times on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, I detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review.

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported XXXX XXXX XXXX XXXXXXXX, '' variations of " XXXX XXXX XXXX XXXX - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX  Account XXXX XXXX XXXX XXXX XXXX Multiple late payments misreported. 
- XXXX XXXX ( XXXX XXXX XXXX : XXXX late payments misrepresented. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent. 
- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Fraudulent account activity. 
- XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized account and reporting errors. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/year> ). 
- XXXX XXXX  ( Date : XX/XX/year> ). 
- XXXX XXXX ( Date : XX/XX/year> ). 
- **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - Account re-aged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : ** E ---
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX ( dates-XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 resonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Upon trying to open a checking account with Bank of America, I was told that I've already had an account with them. Bank of America informed me that the account was opened in 2008, but I NEVER had a bank of America account before! Someone fraudulently used my information to open that account! I was also told that there is a debt of {$600.00}.
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 {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX12/14 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: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use, YOU VIOLATED UNITED STATES CODES
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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

In the middle of XXXX this year, I received a text from the Citicards Fraud Department. I immediately called that department to investigate what was going on. They informed me that there were some charges on my account that 'they ' suspected were fraudulent charges. When I logged into my account on line I immediately noticed that there were XXXX ( XXXX ) charges that clearly indicated that someone used my credit card to pay New Jersey XXXX. I was told by the dispute department that they closed the account and issued a new card. I was told that when my XXXX XXXX, 2016 statement would reflect that these charges would be subtracted from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified, first by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.