23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to attend XXXX University with a student loan. While awaiting student loan approval, XXXX University registered me in a class and charged me tuition without my knowledge. I was unsure of the process and never completed activities beyond a survey. Some months later I was approached by a counselor who told me I was at risk for not finishing my class. I advised that I had never signed up for a class. They told me to contact the school. I did, but no resolution came from it. Some months later, when my loan was approved, I contacted my admissions counselor to begin courses. She was no longer employed by the school. I emailed the person who they told me was now responsible. That person never responded. Some time later I started getting collection notices. I have disputed every one and every one has been found to be fraud, but they just send it to a new agency.
Product: Debt collection

This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.
Product: Credit card or prepaid card

I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.
Product: Debt collection

XXXX 's debt collection agency calls nonstop every single day. They don't leave messages at all. They call my house phone and my cell phone repeatedly. I spoke with this debt collection agency about my bill on XX/XX/18 and told them that I will pay the bill when I get the money. I told them I would pay the bill early XX/XX/XXXX. The calls are as follows : Cell Phone : ( XXXX ) XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called twice House Phone : XX/XX/18 - called once = 3 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called once = 2 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called once = 1 time that day ( can't believe it ) XX/XX/18 - called once = 2 times total that day XX/XX/18 - called once = 1 time that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called three times = 5 times that day ( I spoke with them this day about paying my bill when I got the money. The supervisor on the phone continued to ask me to leave credit card information for payment arrangement after I told him, probably like 6 times that I would call them back to make the payment. After speaking with them, I got another call from them at XXXX XXXX  on my cell phone )
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND THIS IS MAKING MY ABILITY TO GET CREDIT IMPOSIBLE. IT IS SOMETHING THAT IS AGAINST THE CREDIT LAW AND I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know why this account is reported here. There are too much missing information that makes this account point to nobody. I want this removed from my report asap. This is an easy task because when you look at my report you can see how this account is reported.
Product: Bank account or service

On my online bank statement, I have a pending transaction at the top of the page, then XXXX overdraft charges, then a check that shows as cleared with a positive balance. They 're charging me an overdraft fee both for the pending transaction, and XXXX for the check that cleared ( in the past ) with a positive balance.
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 : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

This is my third complaint about Capital One. This company has been literally bullying me for five months now. 
1. The bank opened a checking account in my name without my consent. 
2. The bank reflected many fictitious transactions on my accounts despite my notifications. 
3. The bank has completely confused the ability to understand the details of using accounts and credit cards. 
4. After creating a complete mess in my accounts, the bank closed my accounts without consent or warning. 
5. The bank charged fines and penalties on the fictitious balance on my accounts. 
6. After my payment on XX/XX/XXXX, the bank closed my last account and did not notify me of this. 
7. However, after the account was closed, which I saw online with my own eyes, the bank reopened the account. The bank did not notify me of this, declared the account overdue and sent information compromising me to the credit bureau XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I filed a chapter XXXX that was Discharged on XXXX. Experian is posting all the late payments, these accts we're all XXXX and should not show this it's affecting my approval to build my credit after filing Bankruptcy.
Product: Consumer Loan

I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Product: Mortgage

We have been working with the company since XXXX trying to modify the loan. They denied us and told us the HELOC matures on XX/XX/XXXX and payment is due in full. They sent us the invoice with the amount due on XX/XX/XXXX. We sent them a check for that total amount and sent it certified mail. They received it on XX/XX/XXXX. We called to verify that they had the check and they confirmed that we did and read the check number to us. It is now XX/XX/XXXX, they have not cashed the check yet and we are calling every day to find out status. Each time we call we are told something different about why they have not cashed the check or applied it to our account. Today they said that the check was not for enough money even though we paid the amount on the bill that they sent us! Every single time we call they tell us that they will have to call us back. Nobody from that company has EVER called us back and they won't cash our check!
Product: Student loan

I took out $ XXXX in loans with XXXX ( now Navient ) to attend XXXX from XXXX. I could n't pay the full payments when I left school and I used the forbearance options for 2 years. With interest the debt is now $ XXXX even though I 've made payments for the past 8 years. I make XXXX a year and I 'll never be able to pay this off. Right now I 'm on the annually renewed rate reduction program, and they 've lowered my interest to 4.5 % but my payments are {$770.00}. This loan is taking all my money and I desperately need to find a solution. My father also co-singed the loan, but he is now retired and living on social security.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to XXXX5 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy Filing Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- XXXX XXXX XXXX
Product: Checking or savings account

TD Bank is saying that I authorized purchases in which I did for the amount of {$500.00}, however, {$1300.00} was charged by the merchant and I only used {$500.00}! Td bank is telling me an error didnt occur when I know for a fact that it did! I only authorized {$500.00}!! They dont send any proof or anything for the transactions all they do is tell me and Im supposed to be ok with that! No, I am not ok about something that I did not authorize enough is enough! I can not afford to pay for something that I did not do! I find this extremely disturbing that they have no proof but are trying to take the money out of my account! Public information is not proof of a purchase, my name and address? Come on I have a public record and you can get that information from there without any of it being redacted!
Product: Checking or savings account

PNC Bank is Manipulating Data and fraudulently reporting items incorrectly which cause consumers to have False information. This is Antitrust and Consumer Fraud by PNC Bank. 
They report and hold transactions as pending status from 1 to 4 days at times in expectation that the account would be overdrawn and charge overdraft and NSF fees which cause consumer additional Fees with the submitter of the charge. When a consumer makes a Cash deposit through an ATM it immediately becomes available. Which means the consumer can withdraw the funds a minute after since it is available. 
I strongly believe PNC is baiting consumers to a false sense of security and unconscionable deception. Here is what recently happened that leads me to this conclusion. I made Cash Deposits on XX/XX/2020 to cover items that were being presented for payment and in a pending status. I took screenshot 's with a time and date stamp showing that there wasn't a negative balance and verified the bank balance by getting an ATM receipt of the balance on the account. However, the Cash Deposits even though showing deposited on XX/XX/2020 post on XX/XX/2020 instead of XX/XX/2020 in order to cause pending transactions to Assess NSF & overdraft Fees. I'm also assessed a fee by the other party it was returned to. This is Antitrust, Consumer Fraud , Banking Double Dipping & Data Manipulation. 
I HAVE SCREENSHOT 'S WITH TIME AND DATE STAMP ( Bottom Right Corner of Screenshot ) AND BALANCE INQUIRY RECEIPT FROM ATM AS PROOF are attached. 
Thank you, XXXX
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 me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX 966049 15 U.S.C 1681 SECTION 602A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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: Checking or savings account

From XX/XX/year> to XX/XX/year> I was trying to access my account I provided the information they requested and still was unable to Access my account I called on XX/XX/XXXX and was hung up on several times they didn't let me in to my account when I explained that my money was stolen and also while I was in the hospital my money was stolen out of my account and they continued to lock me out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts were previously reported on my Experian consumer report ILLEGALLY, since then all accounts have been deleted. Per the FAIR CREDIT REPORTING ACT, all violations result in {$1000.00} per violation.

According to the FCRA, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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 ( A ) 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 ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time.
Product: Credit card

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove these accounts from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.