23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was wrongly billed XXXX by the XXXX XXXXI sent them a dispute via XXXX support and they sent an email stating they double charged me and apologized and offered me a refund XXXXXXXX. I never received the funds I filed a dispute with Chime. Chime denied the dispute and left the charges as is. I then sent Chime the email that the XXXX sent me stating they would issue the refund of XXXX and the dispute was reopened. The day after Chime received the verification of the intention of XXXX to refund me they closed the dispute again and failed to do their due diligence investigating the matter. I have given them numerous calls to review this issue with no funds refunded to me by the XXXX or Chime.
Product: Credit reporting or other personal consumer reports

Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.
Product: Student loan

I applied for IDR, thinking my payment would be lowered, but it was raised from around {$60.00} something a month to {$320.00} on XX/XX/XXXX. It took them at least 2 months to process my application, not giving me enough time to pivot to another plan. Then when I checked my loan again today, it went up to {$380.00} with no explanation, letter or notice. 

I called Nelnet after trying to email them using the form on their website, which just gave me an auto-reply saying, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : '' I had to wait over 3 hours to talk to someone, and when I did, I was put on hold 5 more times. They told me my payment was the lowest it could possibly be, even though I only make around XXXX gross a year. They said because I am married now my payment is super high. I asked if they could lower it or if there was any other option for repayment, because I can not afford it, and they could not help me at all. 

I do not have another 4 hours of my life to waste on the phone with these people. Despite multiple attempts to email them, I just keep getting auto-responses with non-answers. I can't afford this and no one is helping me!
Product: Checking or savings account

My checking account with M & T bank has been compromised by XXXX twice in less than three months. It started on XX/XX/XXXX for {$.00}, {$1.00}, and {$19.00}. I was able to report and to leave email telling them to remove the charges but I was upset because M & T had nothing on its menu or online to report fraud. 

On XX/XX/XXXX an XX/XX/XXXX, XXXX hit my account for {$.00} and {$3.00}. Again I tried to contact M & T to no avail. Because Covid, reaching customer Service was impossible. I spent hours trying to reach them for over a week! I tried continuously and was really upset because my social security check is deposited in this same checking account! 
Finally, I called my local branch and a one of the female employee returned my call and resolved the issues. I told her what had happened. 
I received my stimulus check direct deposited into this same account. The check for {$600.00} I never received. I went to the IRS website and saw that I qualified. One suggestion on the IRS website said to ask your bank if they.received the funds. 
No answer. 
My mother who is XXXX also has an account with M & T. She wrote a check to a charity in XX/XX/XXXX. It was cashed later at XXXX XXXX XXXX and changed from {$100.00} to {$7600.00} in XXXX. M & T told use because it was check fraud, it would take 90 days to return her funds. When we called back in 90 days, M & T stated their investigator was on vacation and it would be handles upon his return. Nothing happened. No money went back into my Mom 's account. 
Last week, an investigator from XXXX XXXX called and asked us about the case. M & T had lied to us. They had never done an investigation!! In two days, my mom had her money back. since XX/XX/XXXX!!!! 
Something is going on. Senor citizens are being targeted! My mom had a similar problem with XXXX XXXX XXXX for alot less money. 
I am XXXX and my mom is XXXX.
Product: Mortgage

i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked.

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit card

Capital One called me seven times today harassing me about two accounts which one was a secure credit card I deposited {$940.00} to get the credit card the other was a quick silver both were charged off/ written off and I told them on my credit reports from the three major credit bureaus that was on my accounts last year I asked Capital One for a 1099-C the told me that the two accounts were closed : Ive requested a debit validation and I asked Capital One what happened to my 360 accounts and to stop calling me with vulgar questions and tone of voice
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Credit Bureaus Removing fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Recently Checking my credit report I noticed that I've been a victim of identity theft and found credit inquiri, i have no knowledge of here is the inquiry that i've found : XXXX XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well
Product: Checking or savings account

XXXX XXXX, Bank of America since XXXX, eh received multiple overdrafts, double charges, and triples repeatedly I travel a LOT I am a baseball player, between travel, marketing, companies, interviews, being the image of important brands, my business my time is limited then the comments that people are MAKING about you ( BANK OF AMERICA ) in the world of baseball. YOU ARE 3 strikeouts a day for a full baseball season ( IRRESPONSIBLE, ) AND YOU ARE STARTING TO LOOK REALLY BAD. AND SINCE I HAVE UP TO 6 YEARS TO REPORT THESE TYPES OF CHARGES ACCORDING TO MY LAWYER AND THE FTC, I NEED MY MONEY BACK FROM OVERDRAFF, SINCE XXXX  HEY BANK OF AMERICA I DO NOT OPT AT ANY TIME PROTECTION AGAINST OVERDRAFTS AND THIS IS ILLEGAL, BUT I THINK WE CAN REACH A NEGOTIATION WITHOUT HAVING TO GO TO COURT THAT LOGICALLY SUITS ME MORE THE COURT, BUT MY GOD IS THAT THEY ARE TOO MANY EXAGGERATED CHARGES ONE BEHIND ANOTHER ANOTHER ANOTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC ETC AND A NUMBER OF CHARGES AND DOUBLE TRANSFERS, HERE I WILL LEAVE THE EVIDENCE, MY BANK STATEMENTS, I DO NOT THINK THEY NEED TO SEE MORE, BECAUSE ALL THE EVIDENCE IS THERE THEY NEVER RETURNED WHAT THEY TOOK FROM ME, AND NEVER HAPPENED ANY OF THOSE TRANSACTIONS, PHANTOM THAT BY MY BANK ACCOUNT NICIQUIERA WERE REFLECTED BUT IF THEY WERE DEBITED FROM MY ACCOUNT I NEVER HAD PROTECTION OF OVER DRAFF IN MY ACCOUNTS, never the eh authorized to have these AND IT IS SOMETHING ILLEGAL. SO FAR, I DEMAND 1-THAT YOUR RESEARCH TEAM MAKE THE ATTEMPT TO AT LEAST REVIEW THE TRANSFERS PLEASE. DO NOT LEAVE THE PAPERS THROWN INVESTIGATE INVESTIGATE BE WAITING for my money in 48 working hours or less, because as it is my money not yours!! I do not see that they have problems in proceeding my return I am sorry but if not, we will go straight to the press I ALREADY HAVE THE APPOINTMENT WITH XXXX AND XXXX, and WE ARE GOING TO GO TO TRIAL to the Court, today they did it to me tomorrow IT CAN BE TO THE Federal Trade Commission ( Federal Trade Commission, and CFPB ) is the national consumer protection agency of the United States IT SAYS THAT THE CONSUMER WHO FILES A COMPLAINT IS PROTECTED CUSTOMERS HAVE XXXX 6 YEARS IN THE UNITED STATES. 
I demand the compensation for damages and damage and fraud I demand my overdraft money I demand every double charge made I demand that you remove any credit history regarding Bank of America that for this same reason the account number XXXX is closed today did not receive money again because with you there is very little security and confidence. 
XXXX $ XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have sent a dispute to Equifax to remove the following negative accounts showing on my credit report. They have not removed any of those negative accounts after I asked them to provide me the original consumer contract for each of those accounts according to the federal fair credit reporting act. They have not done so.
Product: Checking or savings account

On XX/XX/XXXX Grain Technology changed the setting to my account to auto payment. I noticed because I signed into my Grain account to make a payment and ad soon I went to make a payment I got an email that sis thank you for submitting your payment of {$110.00}. I never even made the payment because I got the email before I could move forward and was confused. Upon checking I saw my account my on auto payment. I then took it off and notified Grain that I never made that change to my account. About a week or so went by and no response from them. I eventually went to check my XXXX account again and saw that my account was back on auto pay. I then again took it off. Auto pay is something Ive never set up so Im more than certain that Grain technology is doing that.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card account ( account XXXX XXXX ) with a XXXX limit which is only reporting to XXXX. This account is not reporting to XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instruction.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my 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 XXXX
Product: Debt collection

I had signed with XXXX XXXX for their services. After many lies from the company, I had to deal with the corporate office and they apologized and offered me services for one year at a reduced rate. After completing the year, my bill almost doubled and I contacted XXXX XXXX who was then going through XXXX XXXX XXXX. Again, apologies but never resolved. In XXXX, XXXX, I had to move as the condo I was residing in was sold and I tried to transfer my service. The new senior XXXX XXXX I moved to would not allow XXXX XXXX dishes and told me I had to go with XXXX. I transferred my services in XXXX, XXXX and was billed in XXXX, XXXX for {$54.00}. Despite numerous calls to XXXX XXXX XXXX and apologies, they continue to bill me and have now turned this account over to a collection agency, i.e. Credence Resource Management , LLC. I do not owe this bill. I was billed a month in advance and paid my bill, this bill was supposedly for XXXX, XXXX, at which time I DID NOT have XXXX XXXX  services. I did talk to a supervisor in XXXX and was told this would be taken care of, but still XXXX XXXX XXXX messages and now collection ... HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my XXXX File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recurring solicitation of Discover credit card account after numerous attempts to halt this practice.
Product: Credit reporting or other personal consumer reports

I am submitting a new complaint once again to apprise you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and lodged an identity theft report once more, in accordance with FCRA Section 605b, where Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report. Enclosed are the ATTACHED documents intended to facilitate the removal of inaccurate information currently reflected on my report. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report, I contacted the XXXX XXXX in XXXX of 2023 regarding my Auto Loan payment history. I asked them to contact XXXX to reinsert the previously deleted material. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX said they would contact the credit bureaus to solve this. This account is hurting my ability to obtain credit. 
I understand that you will investigate all parties involved to verify its accuracy : ( Account Number : XXXX & Account Name : Auto Loan )
Product: Mortgage

I was in a dispute with XXXX XXXX XXXX About {$2400.00} and some change that was sitting in a suspense account .That money was in a suspense account was for payments I continue making payments at that time my principal got paid off thats when I learned about the {$2400.00} and some change in the suspense account the next step I was getting a letter tell me my mortgage was being transferred and XXXX  XXXX XXXX was going in bankruptcy Shellpoint Mortgage Took off my mortgage been demanding me to make a {$600.00} payment I have been paying them since the day they took over I paid a {$400.00} my first payment my understanding is my principal is paid off I can not be forced to pay up for mortgage I can pay whatever I want on this loan I only had a deferment of {$5300.00} why do I still owe the same amount my insurance was paid It should have been paid when it was transferred to Shellpoint will not let me speak with a manager ldid get a lady who said  she was a manager last name XXXX she post to been getting all of this fix now I have not heard back from her I lelf several messages at XXXX they will not return calls my disputes they say theyre not going to fix it they are trying to take my property I need someone to review the account customer service told me they received the {$2400.00} At was in the suspense account What did they do with that I do not owe them {$4600.00} XXXX Thank