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

I found out that M & T Bank has been charging me absorbent fees on XXXX of my accounts with them that had low balances. 

From XX/XX/XXXX, they charged a {$10.00} a month fee on XXXX account and {$14.00} on another for a total of {$840.00}. 

I called today XX/XX/XXXX to request a refund. They agreed to refund this year 's fees in the amount of {$270.00}, but they did not refund the remaining {$570.00} they stole from me. 

The manager who talked with me was named XXXX and the reference number for my call was : XXXX I have been a customer for over 30 years, and this is shameful that they took advantage of me like this. 

I let them know I was filing a complaint with CFPB. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX XXXX  XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to XXXX XXXX XXXX and then send them a check for the amount requested, and the checks were cleared by XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from XXXX showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to XXXX, and why it wasn't turned in in a timely manner. to establish responsability. XXXX did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by XXXX on XX/XX/XXXX, with a mileage of about 17K miles ; when I turned the car at XXXX XXXX it only had about 9k miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted Transunion to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries and accounts that appear on my credit report. I believe these inquiries and accounts were either unauthorized or inaccurately reported, and I request that they be removed immediately. 

Hard Inquiries to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry and this inquiry should not be on my report. 

I am writing to dispute the following collection account that appears on my credit report. This account is inaccurately reported, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ). 

Account to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts above does not belong to me and needs to be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me should appear on my credit report. Since I did not authorize these inquiries or accounts, they must be removed immediately. 

Please find enclosed a copy of my credit report with the disputed inquiries highlighted. I request that you investigate and remove these unauthorized or inaccurate inquiries from my credit report as soon as possible. 

I expect to receive confirmation that these inquiries and accounts have been removed, as well as an updated copy of my credit report, within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a report to the FTC, then sent a complaint with the attached report through the CFPB, stating there is no money owed to the original creditors " XXXX XXXX  '' and demanded it be removed from my credit report or to send me validation of my debt to my current mailing address. 

They responded to the complaint saying " Procollect received the consumer 's account from our client XXXX  XXXX XXXX  on XX/XX/XXXX. The consumer owes a balance of {$900.00}. The consumer 's dispute has been noted and the account has been updated. I apologize for any inconvenience this may have caused. Procollect has mailed proof of the debt to the consumer 's listed address XX/XX/XXXX. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. XXXX will extend a settlement on the account of {$670.00}. The consumer may contact Procollect by XX/XX/XXXX @ XXXX to pay the balance over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. 
Thank You '' I received the said document in the mail, which had my name on it, however not my signature, and no lease start date, essentially no real validation. 

When I called the number and asked for XXXX XXXX, she told me that they don't have any documents with my signature or original debt. She just continued to put me on hold and tell me it was a true and valid debt, and had no proof. However according to 15 U.S. Code 1692g I must receive this document or it is illegal to continue reporting to my credit. 

She ignored the law and continued to tell they would not stop reporting and that without proof that it is a true and valid debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.
Product: Student loan

On XX/XX/XXXX I received an official letter via email from the XXXX XXXX XXXX for loan forgiveness and the complete discharge of all my XXXX XXXX XXXX that now totals {$17000.00}. My student loans were being services by XXXX at the time and they did not comply with the letter even after I contacted them via phone in XXXX to check on the status. Since then, the loans were moved to XXXX. I have sent them correspondence twice with the loan discharge letter attached and have received no response and my XXXX XXXX XXXX ( XXXX XXXX ) student loans are still in place. 

I demand that EdFinancial and the XXXX XXXX XXXX  comply with the student loan forgiveness/ borrowers defense letter they themselves sent/emailed to me and forgive and remove the loan balance from when I attended XXXX  XXXX XXXX XXXX XXXX XXXX ) as soon as possible. It has been over two years and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX. XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4.  XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

2 cds lost. Wells Fargo has no records. Never turned over to CA. Lost assets. The 2 cds were {$2000.00} each and opened in XX/XX/96. Auto renewal but never received any notice ever come time to renew. Yes I forgot about them but still should been notified. Talked to wells Fargo and said no records anymore so case closed. Case mgr. XXXX XXXX of executive office handled case number XXXX. Phone XXXX.
Product: Debt collection

Debt has been paid. Please remove collection from all three credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AMEX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.

Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or consent. I am requesting that all the accounts listed below be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$170.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$490.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Mortgage

I paid 6 companies to get me an affordable loan mod with ocwen. I finally fired them all and applied myself.the amlut ocwen came back with was XXXX more a month than I have and was more than any other refused offer. I ca'n't pay but XXXX with my bills and I showed that ad now I had to finance ad ac unit and XXXX Ocwen had a forclosrue hearig till I reapplied with all paperwork but they offered me XXXX more than they know I can pay and more than the house is worth. they know I am XXXX and co n't want to move. They lost the note to my house and made up documets that were untrue. they are being prejudicial to me.
Product: Checking or savings account

My banking profile was compromised and used against me. My bank disputed the transactions stating it could not have been done since I had my physical card on me. Monies I had paid out for rent, car payments and other important things have been disputed therefore the bank reversed the payments but they went to whoever is doing the fraud leaving me in dire straits. Fake checks were deposited into my account and then cashed out. I was not notified of this fraud and then my account was locked and still is. My banks claim department has been very rude towards me. They are not communicating with me like they should and Ive been a customer with them Chase Bank for years. People are getting around the system and they dont feel it can be done.
Product: Checking or savings account

I have my credit breached and a woman named XXXX XXXX has used my email and personal information to get a checking and savings account through Truist. I am adding a credit monitoring with XXXX. I did file a complaint previously in XXXX.
Product: Debt collection

Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. 
When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. 
This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. 
This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. 
Please advise. 
Thank you.
Product: Debt collection

Navient systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. Navient has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, Navient assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver - wherein the co-borrower is required to pay Navient to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy.

Navient is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because Navient has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Product: Student loan

While I was working at my past employer from XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, I called Navient known as XXXX XXXX that I was having difficulties paying my student loan debt. I asked if they have a programs on reducing payment, consolidating, etc. I was told that my situation that I should do a Forbearance. They never gave me an option on changing the amount, etc. They also did n't tell me that I would be charged on interest. Also, XXXX College I was attending from XX/XX/XXXX-XX/XX/XXXX and my company was paying for my tuition. I 'm starting to wonder if they gave back the financial aid. As of today, I have done a short forbearance and lowered my payment balance, but they assume that I can pay each month {$220.00}, which on top of that I have loans from XXXX XXXX that are {$1000.00}. I asked to go to an income based plan, because I am married. My husband will not pay for the loans. I have a daughter and I 'm currently making a year {$52000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not unfreeze my credit nor provide a one time pin for my lender to use. I have provided necessary information and they continue to tell me to resend it over and over and over. This is preventing me from obtaining a home refinance. I want charges against Experian for denying me access to my information.
Product: Debt collection

I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from Portfolio Recovery Associates, LLC collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.