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

There was a {$300.00} unauthorized withdrawal from my checking acocunt in XXXX. After filing my request with M and T bank, they claim they never received the mailed paperwork. So I faxed it and mailed it again in XXXX which they did receive. 

They denied my claim and said their investigation did not come up with how it happened. However, when I asked what they investigated or how they came to this conclusion, I was told nothing. 

It is impossible to speak to anyone in the fraud/unauthorized transaction department, they only use emails from customer service. I am asking again to be contacted about the denial but that has yet to happen and probably will not. 

Are there any options for me at this point as M and T bank will not allow customers to speak to the individuals doing the investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have closed this account with talking to company and settled. but its still showing i am owing amount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  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 instructions
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} 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: Debt collection

Providian Finance , out of  XXXX   XXXX  has called repeatedly, threatening charges to be filed against me, as well as being served with papers at my place of employment and at my home. They have also called my father leaving the same message under a law firm called    XXXX   XXXX   XXXX   . I have researched this company, and they are calling under false pretense.  <P/> I have not answered their calls, phone numbers include : (   XXXX    )   XXXX   (   XXXX   )  XXXX   and unknown.
Product: Credit reporting or other personal consumer reports

So I recently checked my credit report and saw accounts reporting that I do not recognize.
Product: Credit reporting or other personal consumer reports

POLICE REPORT ATTACHED. Im submitting official government documents to support my identity theft claim with XXXX. This company keeps adding loans on my consumer report and is supposed to block the information from the XXXX bureaus while its being investigated. These accounts were not opened by XXXX XXXX. I do not have a contract with this company nor have I ever attended century college. There is no contract matching my Id and signature. Im demanding a written copy of my wet ink signature for forensic investigation to support my claim. I will pursue {$1000.00} for each inaccurate violation and failure to give me a fair investigation. I have sever damages and can not attend college or get a home. These damages are in excess of {$100000.00} which I intend to sue for if this is not taken serious. Investigate delete from my student aid account immediately while you process the identity theft and police report. My signature is provided on the documents attached
Product: Debt collection

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account closed out in 2019 the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously 2 years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX ( comenity bank ) about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for two years until I inquired and 2 years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Product: Student loan

Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like with XXXX  and XXXX  I was also a victim of identity theft and alot of inquiries was made In the process I tried contacting experian about removing them but once of the representatives claim I couldn't do that even thought there was legit identity theft evidence at the moment including a hack in my email address on file but they they refused ... I even sent out a 609 letter still haven't heard anything ... just delete the inquiries made during my fraud alert time should be really simple
Product: Debt collection

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX, account # XXXX Under 15 U.S.C 1681, section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XX/XX/year>, I refinanced my student loan with SoFi, under a promotional offer that promised a {$500.00} bonus if I refinanced more than {$100000.00}. After two months of waiting and not receiving the bonus, I contacted SoFi on XX/XX/year>. At that time, SoFi confirmed in writing that I had completed all the necessary steps and that I would receive the bonus within XXXX business days. 

Despite this confirmation, I did not receive the bonus, and I contacted SoFi multiple times after that. Each time, I was given inconsistent responses, including on XX/XX/year>, when I was informed that a ticket had been submitted for my case. However, no clear resolution or bonus has been provided. 

In late XXXX, I contacted SoFi again, and this time I received a completely different response. I was told for the first time that I needed to complete a W-9 form, something that had never been mentioned in any of the previous communications. I immediately completed and submitted the form, but I have still not received the bonus. The delays, miscommunication, and failure to deliver the promised bonus have been highly frustrating. 

I am seeking immediate resolution and fulfillment of the {$500.00} bonus that was part of the original offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts
Product: Mortgage

I am XXXX and live on a fixed income. I also live in a transitional neighborhood that is rapidly gentrifying. As such, property values in my neighborhood, including mine, have skyrocketed. An organization that is partially the cause of the rapid increases, XXXX XXXX XXXX XXXX, has started a grant program for legacy residents like me that aims to help us keep our homes by paying tax increases for 10 years. 

My property taxes are paid by the mortgage company and added to my mortgage payment escrow to be paid during the calendar year. It is with this expectation that the program ( XXXX XXXX XXXX XXXX - " XXXX  '' ) pays the difference so that difference can be refunded back to me after the mortgage company has paid the tax bill -- it is not meant as partial tax payment, but rather paid with the specific intent to provide relief in the form of a refund back to me of the XXXX  's payment amount. 

For some reason, Carrington decided to make a partial payment instead of the full tax amount because the beltline had already made their XXXX  payment to the tax commissioner. In so doing, Carrington willfully and deliberately committed what I believe to be fraud by taking both my monthly escrow contributions ( which are meant for insurance and the FULL tax bill ) and only making a partial tax payment that excluded the XXXX paid for my benefit by the XXXX. 

After contacting XXXX, i was informed that i was required to provide proof of both the payment from XXXX  and from the tax commissioner. While redundant, I have uploaded both to the specified website, but was told they would take 10 business days " to research the issue '' despite having caused it and being fully aware that they did. 

I need this money -- it's the whole point of the grant ; and I feel that this horrible servicer is now trying to make me pay twice for something that they already collect in my monthly mortgage payment. 

i SHOULD NOT HAVE TO WAIT on funds that are mine and carrington  should pay me the money immediately as well as interest. This is just the latest of several complaints I have filed on this company and this organization is supposed to help. Instead, once they offer a weak excuse, you are always satisfied, and people like me, especially those of us XXXX with XXXX XXXX XXXX continue to get screwed despite this supposedly being a place to find help. 

At a mimimum, this is unethical, But they took funds that did not belong to them and if not outright burglary, it is at least embezzlement or fraud. PLEASE DO SOMETHING ABOUT THIS. I DON '' T have the luxury of 10 business days ; i need my money now and you have the power to compel them to give it to me sooner.
Product: Checking or savings account

Dear CFPB, Could you please help me on the fraudulent transaction? Yesterday morning, a facebook user, XXXX XXXX, asked to buy a sofa from my family at {$1200.00}. She asked to pay via XXXX. Then she told me that my account had limit so she would send me {$400.00} more, totaling of {$1600.00} and then I had to send her back {$400.00}. She also said she trsuted me so she would send me {$400.00} more to make my account be eligible for receiving {$1200.00}. I also received XXXX emails from XXXX XXXX ( as attached ), it made me believe they're the real ones. In addition, she said her XXXX would go to pick up soon. But after that, I felt something wrong there. I also received an email from Chase saying that my transaction was cancelled. Hence I believed the transaction was canceled. However, last night, I checked my checking account and I saw {$400.00} was charged. I tried to contact Chase but it seems like they just filed the report. I am in the middle of moving. My XXXX got high fever for the last XXXX  days. Those things made me out of control. Can you please help protect me from this transaction? {$400.00} is really big to me and my family. I would appreciate your help.
Product: Student loan

I am writing to formally register a complaint regarding the circumstances surrounding the acquisition of Navient loan number XXXX. The process through which this loan was obtained involved unethical practices, including high-pressure tactics and dissemination of false information by both the school and the lender. 

During the loan acquisition process, I was subjected to undue pressure and coercion by representatives of both the educational institution and the lending institution. Misleading information was provided, leading to the acquisition of high-interest private loans under false pretenses. Furthermore, the information provided was inaccurate, contributing to a significant financial burden that was not properly disclosed at the time of loan origination. 

Given the unethical nature of the practices employed during the acquisition of this loan, I am formally requesting a discharge of Navient loan number XXXX. I believe that the circumstances surrounding its procurement warrant relief from the financial obligations imposed by this loan. 

I kindly request that you initiate the necessary procedures to investigate this matter thoroughly and provide a timely response regarding the discharge of the aforementioned loan. Loan is currently in good standing after many years of unfair treatment and financial burden. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/22, XXXX XXXX XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Debt collection

I have an account on my credit report with XXXX XXXX XXXX  that i '' ve tried to disputed a number of times and it keeps coming back verified without a proper investigation after i provide all proper documention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, THE XXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.