23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Ive already tried to contact this company, and I know they are not following the laws in my state of Kentucky. I already tried to contact them to extend my loan, which I know Im allowed to request per my state of Kentucky. 
I attempted again to contact them today, Im not able to speak with them until Monday. 
Although, I have no faith that they will work with me so I am requesting to cease with them any and all further automatic payments especially since it is now causing NSF fees with my bank. 
This company and others like them prey on people like me, take advantage, and do not follow the state laws of their customers. They also have no shame or mercy for people like me. 
The interest rate is astronomical and is not reasonable nor legal nor approved by my state laws. 
They also should be ashamed of taking advantage of me and others during this time of Covid with many are struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX XXXXXXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Checking or savings account

Santander bank allowed duplicate payment to be posted on my account that brought my account into negative balance and refused to give me a credit as of result of their negligence I will also face {$35.00} overdraft fee at the end of the day. HORRIBLE experience, horrible customer service being silly nice and helpless when it comes to an actual help!!!!!!!!!!!
Product: Checking or savings account

The incident happened on XX/XX/year>, and they have recently must come to a decision as of XX/XX/year>. I have been undergoing Identity theft since XXXX of XXXX. At the time, I first saw fraud happen across all of my bank accounts. I had mail come up missing. I was dropped off my healthcare because my account was emptied. I had to verify my identity with agencies such as the IRS again. It was a lot. I worked in conjunction with a detective. He very simply stated by the end of it, that these transactions were coming across seas by people they could not do anything about. I have had fraudulent charges probably half of the months this year. Ive seen fraud in XXXX, XXXX, XXXX, food places, online casinos, and so on. Ive seen money getting leaked out of things I casually do own or use, but I wasnt the one purchasing them. It all started back in XX/XX/year>, when I provided my mother my social security so she could make me a beneficiary on her XXXX. From that point on, I began getting scammed text messages. I began getting random phone calls. I began getting a bunch of links to click on. Each and every time moving forward it seemed like it was easier for my stuff to be compromised. Fast forward back to XX/XX/year>. I was super confident I provided PNC enough information that I did not make some of the charges that were present on my account. I gave them screen logs, time stamps, notifications from both them and the merchant of suspicious activity, I showed them the prior fraud attempts. The list goes on of what I provided them, and I kept providing them information as the investigation proceeded. Then, I come to find out on XX/XX/year>, that they plan to take out all of their provisional credit and the only reason on the sheet was because of documentation provided by the merchant, and I didnt get to see any of that. I didnt even get to plea my case. The other banks I had in the past fought for me and got me my money back. They helped me as the consumer. I have had so much difficulty in my life as a XXXX XXXX. I live on my own. I have no family who supports me. The people who know me, know Id not spend these ridiculous amounts in transactions. Ive fought so hard and so diligently, but at the end of the day it all feels like it is for nothing and there is no path forward. I can take 1 step forward but theres always going to be something that takes me 10 steps backwards. I just dont know what it takes to get by in this world because it doesnt feel like hardwork.
Product: Checking or savings account

Im writing this letter as I would formally like to appeal Bank of Americas decision on Claim ID : XXXX. 

On XX/XX/2022, four unauthorized ATM withdrawals were performed at XXXX XXXX  in XXXX XXXX from my Personal Checking Account ending in XXXX. Details on the four unauthorized charges are noted below : {$500.00} - # XXXX {$300.00} - # XXXX {$100.00} - # XXXX {$53.00} - # XXXX I noticed the unauthorized transactions that same day and called Bank of America to open the claim. I made it clear that I always had the card in my possession and shared with the agent that I was traveling in XXXX XXXX, California at the time. The investigation was opened and on XX/XX/2022, I received notice that my claim had been denied as the bank had found the charge was authorized by me or someone that has permission to use my card or account which is false. I submitted an appeal letter noting that I was in XXXX XXXX, California at the time the unauthorized transactions happened, making it impossible for these transactions to have been done by myself. There is no one else other than myself authorized to use my account. I included the following in my letter Air travel confirmation XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - Ticket # XXXX Friday XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Ticket # XXXX Hotel invoice - XXXX XXXX XXXX XXXX, CA- XX/XX/XXXX XXXX XXXX XXXX  Credit Card Statement noting transactions between XX/XX/XXXX and XXXX in XXXX XXXX XXXX CA I never received a response to this letter appeal letter even-though I requested a copy of the documentation used to make this decision and request that the case be reopened and further investigated as these transactions were unauthorized and I should not be made responsible. 

I called the bank a number of weeks after and they noted that no further actions would be taken on their side as they stood by their decision to deny my claim, stating the a card with a chip was used for the transactions. To this date they have not taken responsibility for this fraudulent activity on my account and are making me responsible. They still have not provided any proof ( i.e. pictures taken by the ATM at the moment of the transaction ) to support their position. 

If any additional information is needed please feel free to reach out.
Product: Mortgage

XXXX XXXX XXXX primary residence and mailing XXXX I am writing this complaint as a last resort. Last year with covid we were treated in disregard by XXXX I have attempted to get all documents relating to our loan since my initial complaint, have called left voicemails and sent emails with zero response from the company I have went online to make payments and not been able to or to even see my loan history or where all these fees late fees etc. I requested a forbearance which was initially supposed to be granted but due to them telling me that I didnt have fha I set up a repayment plan. I then paid on this as agreed and then we had a horrible storm come through causing damage I requested a forbearance which was granted of 6 months a rep came out and took pictures afterwards of the roof and a few other things and said they would be in contact but I have failed to get anyone with Selene to answer my home has multiple issues that need repaired and I am currently working with the office of disaster assistance /fema as directed I have asked again about forbearance payment arrangements etc all I have gotten from them is a forclosure letter stating XX/XX/XXXX as the date I even ccd the attorney office on this, XXXX XXXX requested documents as well in regard to this being fha and to distribute these per respa and they still have not : I am trying to keep my home, I am an XXXX veteran, we have been through this with them several times and I never can get answers or we are treated like we do not matter. I was informed by an attorney They still have funds left from he bailout in XXXX and received even more to help homeowners which have not been used. We need help and to be able to stay in our home and have it repaired appropriately instead of living somewhere we cant even get the mortgage company to answer a call to even get a check signed by them for repairs to be done. When I went online and checked about this numerous complaints were found with the same issues. This is very sad to be treated in this way when we have had our loan since XXXX
Product: Credit reporting or other personal consumer reports

My rights are being violated! Consumer law states by validating the account below without sending the necessary proof that its my account and that you have a right to collect on this account, this is a VIOLATION!

As I have stated before, Im keeping track of every letter that I send your company, the credit bureaus and all responses. The previous letter attached the collection agency ADMITS to not being able to verify accuracy. It has been over 30 days, which is ample time to provide evidence based of consumer law. Delete this account immediately from my credit report.

If there is no deletion within 10 days, I will be filing complaints with the XXXX, the Attorney Generals Office and seeking legal advice to explore my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF ID THEFT DUE TO XXXX DATA BREACH.
Product: Checking or savings account

On XX/XX/XXXX my account was overdrawn due to mobile deposit being returned less than 24 hours my account was blocked no reason was given however I called and explained I had no idea the payment would bounce since I was not the check issuer however I was told on XX/XX/XXXX my account was closed and blocked from depositing or any use of app or debit fast forward on XX/XX/XXXX my direct deposit which was more than the amount I was overdrawn was rejected only letter to be forced deposited words used by the bank on XX/XX/XXXX with the bank keeping not only the overdrawn amount which would have made my account positive but also my remaining balance they have since recanted that the account is closed its actually still open and I request it to be closed immediately to prevent any further charges or use on the account theyve refused while also denying me use of the account or my funds there in while telling me bank takes 30-60 to close and issue a check of available funds however this bank has chosen to wait 60 days and hold on to my government funded benefits with no letter of intent nor and authorization from me they have held my money hostage and have an account open in my name after I demanded it be closed I have no itemized list of where my money is or what Im being charged without access they since took additional money from the account and I have no idea what they are charging to this account
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report, and see inquiry on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$720.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} These are Fraudulent accounts i never open these accounts before i have called everyone and Im being ignored i have made FTC reports after FTC REPORT AND THEY STILL ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a dispute with the Early Warnig company where he kindly demanded that certain information be reviewed in my credit report, which was outdated, incomplete and even without information. 

I requested that this information be disputed with the corresponding companies so that it could be modified, corrected or removed from my report. Unfortunately, as the weeks went by, these companies reported that the information was correct and accurate. On XX/XX/XXXX, I made the dispute again detailing the information that is wrong and even the outdated or incomplete information of my report, so that it was again corrected, or removed from my report. 

On XX/XX/XXXX, I received an email notifying me that my dispute is frivolous and that I can not dispute this information because it is correct, where in the tests you can see that it is completely incorrect, but in a very unpleasant way, the agent who attended me informed me that they can not do anything that they do not have the obligation to report anything again or remove any information, where they are violating the FCRA laws that requires that all the information they present in my report must be correct and accurate or Otherwise, this information should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to XXXX, XXXX, and Transunion credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of XXXX RE : XXXX Dear ENHANCED RECOVERY CO L : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit card

Hello, I disputed the charges back in XXXX. I was credited for the amount disputed. I then was recharged months later with no notice. When contacting discover they said the case was closed and they couldnt give anymore information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists debt from NATIONAL CREDIT SYSTEMS INC with a balance of {$5700.00}, XXXXXXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX XXXX with a balance of {$6600.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was sent a letter about a debt owed in the amount of {$390.00}, dated XX/XX/XXXX, I sent a payment of {$200.00} in XX/XX/XXXX, because I had just gone back to work. After I paid the {$200.00}, I received a lawsuit stating I owed the company {$390.00}. I was not given credit for the amount I paid. I wrote the attorney that the company hired and sent in a copy of the money order that had been cashed months ago by the company. Showing that the company gave the lawyer false information. The attorney again filed false information to the courts on XX/XX/XXXX, stating that i owed {$39000.00} ignoring the facts that I only owed {$190.00} and file again false information in court which i am writing the Supreme Courts against the lawyer for filing false information to the courts and getting a judgement with false information. When i made this loan the company did not give me credit for interest when paying off another loan it was combined with this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}