23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Please note. This debt that is attributed to me, is over {$70000.00}. I deny that I ever applied for or acquired these funds. Please provide the original note that shows my wet signature agreeing to this amount. Please provide the information regrading the educational institution who received these funds. The documents provided in response to my inquiry, by the company, may have been fraudulent constructed. The documents submitted in response to my complaint, by the company, does not show that this is a loan I used nor authorized, or used. Please provide the paper trail of the funds used, when the funds were used/dispersed, which institution were the funds disbursed to. I am also asking that this entry be removed from my credit report immediately. I used pell grants to fund the majority of my education...
Product: Debt collection

XXXX XXXX XXXX  was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX XXXX XXXX because XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to XXXX XXXX XXXX. XXXX XXXX XXXX, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my credit bureau accounts. XXXX XXXX XXXX then sold my account to another Diversified Adjustment, who marked my credit bureau accounts without any notification whatsoever. This is a phantom debt, and I am being harassed, and I believe that XXXX, XXXX and Diversified, all of whom I will sue, are all working together and in contact with each other, and I cite the following example : Diversified originally had my account on XXXX but waited until a week ago to mark my credit bureaus, XXXX, XXXX, and XXXX. I originally disputed the debt with XXXX on XXXX  and XXXX, but, not XXXX. A weeks ago XXXX withdrew it from my XXXX  report on their own, mind boggling!!! ... 3 days later Diversified Adjustment marked my XXXX  account ... Im going to sue these people as well as whatever ever Consumer Finance does to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I obtained and printed a credit report from XXXX and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.
Product: Debt collection

A XXXX XXXX credit card account was opened in my name in XXXX. I had no clue about this account until recently last month. In XXXX I graduated from XXXX XXXX " XXXX University '' and then I moved to XXXX, Virginia to attend XXXX XXXX XXXX, and I wa sliving there for 3 years up unto XXXX. I have recently found out that my indentity was stolen by one of my family members, my sister. We currently have a scheduled court day because I have filed a report on her on our court date is set for XX/XX/XXXX. 
I disputed this acocunt and I told the debt collectors that the account was not mines, and I asked them tp provide me with forms to verify my signature but no one has. This account was opened fraudulently with XXXX XXXX and then sent to collections, and I do not know when it was sent to collections until this year when I pulled my credit. I have since been dispting, but now I have a lawyer who has filed charges against XXXX XXXX, who happens to be my older sister. 
XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, at about XXXX, after branch hours. I put my debit card in the ATM next to the M & T branch which is inside the XXXX XXXX XXXX XXXX in XXXX, CT ( XXXX XXXX XXXX, XXXX, CT XXXX ). At that point I started a deposit transaction on the ATM. The machine prompted me to put my cash into the receiver, which I did ( a total of {$500.00} in XXXX - {$20.00} bills ). At that point, the machine was counting the bills, shown on the screen. During that processing portion, the screen stopped moving, as if it froze, and the ATM shut down. It took about 20 minutes for the machine to reboot, and after about 10 '' of the screen showing, " temporarily out of service '' the typical home screen popped up, however, my card and cash were still in the machine. There was a not a teller at the branch to make this complaint in person at the time it happened. 

I called the phone number for customer service with M & T Bank, and opened up a transaction dispute for the issue I had just experienced. At that point I needed the cash back, or deposited into my checking account, as well as my debit card back from the ATM. When I spoke with a representative, they opened the dispute and a {$500.00} provisional credit was entered into my account. 

I didn't hear back from M & T Bank until XX/XX/year>, via mail, which was received a few days later via USPS, that, " after a review of your account and thorough investigation, we have determined that the transaction ( s ) in question were processed correctly and no error has occurred. Therefore, we are denying your claim. '' The note said the provisional credit of {$500.00} would be reversed on XX/XX/year>. However, the {$500.00} deposit transaction they claim was processed correctly, did not, and has not, showed up in my checking account as of XX/XX/year>, despite being physically put in the machine by myself on XX/XX/year>. 

Today, XX/XX/year>, I went to speak with the branch team about this dispute, and they got on the phone with the claims department, which said, " the investigation did not find an overage in the ATM when the audit was completed. '' At this time I have requested the claim be reopened, and the security footage of me physically putting the cash in the machine be examined.
Product: Debt collection

On XX/XX/ I began noticing fraudulent activity on my Capital One account ending in XXXX. The fraudulent activity was from XXXX XXXX XXXX XXXX XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called XXXX XXXX XXXX XXXX XXXX  for the fraudulent debt that was caused by identity theft.
Product: Student loan

I made a payment with Nelnet through the online portal on XX/XX/2023 for {$1000.00} toward my student loan balance. I received a confirmation email for this payment from Nelnet on XX/XX/2023 at XXXX ET. This email contained a confirmation number and a payment effective date of XX/XX/2023 as well as an assurance that the payment would be posted to my account within 48 business hours of the payment effective date. At this time the payment was listed as " scheduled '' in my Nelnet online account. 

On XX/XX/2023 the amount of {$1000.00} was withdrawn from my checking account by Nelnet. 

On XX/XX/2023 I went to confirm that the payment had been posted and it no longer existed in my Nelnet online account. It did not show up as scheduled, pending, posted, or cancelled. It was as if the payment had never existed. I attempted to resolve this issue by reaching out to Nelnet by email on XX/XX/2023, but their reply email at XXXX said that they would not respond to my request via email and I would need to call instead. I did reach out via phone that day. The agent on the phone could not provide any information about why my money was not appearing and on his end it also looked like the payment never existed. I provided the confirmation number I had received and he forwarded that on to another department. He assured me it was just a delay in their system and I should have the money posted to my account soon. 

On XX/XX/2023 the money has still not been posted to my account and still does not appear as existing in my online account. I called again at this time and the agent I spoke to this time said there was nothing that could be done and it would sort itself out eventually. He said that the company does not know where the money they withdrew from my account is and that he could provide no guidance as to when it will be posted. I asked for a ticket number for my inquiry and he said there was none.
Product: Credit card or prepaid card

Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you assistance.
Product: Debt collection

The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.
Product: Checking or savings account

Friday XX/XX/XXXX, my subscription XXXX had taken their weekly payments of {$18.00} and {$9.00}. Right after the bank charged a overdraft fee for both pending transactions. My balance was - $ XXXX. That night at XXXX I made 2 deposits. One deposit was an atm cash deposit of {$240.00}, 2nd was a check deposit at the same Atm of $ XXXX. Saturday I spoke with a representative, My balance was $ XXXX by the time I gotten everything situated on the phone. Today I check my account and XXXX returned the payments the bank said they paid and charged me the overdraft fees in the first place. My balance was suppose to be $ XXXX. I shouldnt be charged a returned fee for payments I already paid a overdraft fee for.
Product: Credit card or prepaid card

Capital one charged me over {$140.00} in interest on the last statement, despite i had paid them over {$6800.00} in payment during the billing cycle. Their average daily balance used to calculated interest rate was based on balances over {$9000.00} per their supervisory representative. I had at any time came close to averaging that type of balance. I requested supervisor to include me work out of their calculations and she refused. I requested to escalate the issue to a supervisor above her and she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Experian permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of XXXX. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Product: Credit reporting 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. 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 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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 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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Product: Credit reporting 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 - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXXXXXX XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Hard inquiries : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX- XXXX XXXX - Equifax XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXX/XX/XXXX- XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX  - Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX - XXXX - Equifax XX/XX/XXXX- XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - Equifax XX/XX/XXXX XXXX DEPT OF ED - XXXX XX/XX/XXXX - DEPT OF ED - Equifax XX/XX/XXXX - XXXX XXXX XXXX - Experian 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 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 reports 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: Debt collection

Affirm Inc added a derogatory mark on my credit report for {$170.00}. 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. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with XXXX Affirm Inc ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( XXXX ) ( XXXX ) - Permissible purpose, of consumer reports. ( XXXX  ) in general Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( XXXX ) 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} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the XXXX
Product: Credit card or prepaid card

On Wednesday XX/XX/2018 at around XXXX I got a text alert and an email from Citibank informing me about fraud attempt charges on my credit card ( one for {$100.00} and a second charge for {$480.00} ) made at a Credit Union . I contacted the Citibank fraud department through the phone and denied both charges since they were unknown to me. My credit card was cancelled at the moment and a new one was issued to prevent future fraud charges from the two existing ones. Both charges were dismissed from my old credit card with an email from Citibank stating As a Citi cardmember, youre also protected with {$0.00} liability on unauthorized charges, which means youre not responsible for charges you didnt authorize. However, even though the second charge for {$480.00} was dismissed from my old credit card, it still shows on my new credit card. Several attempts have been made to dispute this charge and they have been denied stating by the Citibank representative that is impossible for someone to misuse my credit card information without my consent and things such as card cloning and skimming are impossible and do not exist. The conversation was recorded by the representative on Monday XX/XX/2018 at XXXX. As of now, Citibank expects me to pay for a fraudulent charge I never did which I believe is unfair.