23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX XXXX declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXXXXXX XXXX XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX. XXXX Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX on XX/XX/XXXX, {$1100.00} charge-off XXXX. XXXX  Opened on XX/XX/XXXX, {$400.00} charge-off XXXXXXXX XXXX Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXXXXXX XXXX Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX
Product: Credit card or prepaid card

I received an invite from my daughter to apply for XXXX Credit Card a product from JPMCB and I did apply on XX/XX/2020 few seconds passed and I received the Denial based on my Credit Report but I have not received my credit report and denial as today XX/XX/2020 I have called and requested the denial several times but I havent received anything and in order to request a reconsideration I need the letter.
Product: Student loan

I have switched over to an income driven program and have been making all payments on time but Navient keeps switching me back to forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account XXXX  : XXXX XXXX XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. 

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 an account without my written instruction.
Product: Prepaid card

I had purchased a REloadit pack in the amount of {$470.00}. The REloadit pack number was ( XXXX ) and when I tried to apply the pack to my REloadit account, I received the error " Invalid Pack. '' Concerned, I called REloadit and was hung up on several times before finally reaching a person. The representative told me that someone else had claimed the pack and a refund is being processed to that person! I was asked to send a selfie holding the REloadit pack with the receipt, to prove that the pack is mine, and was assured that I will get the refund instead. However, even after sending all of this in, they said the refund is being processed to the other person. They are completely unresponsive to emails and I have to call every time just to get some excuses and incompetent people telling me that I cant get my money back. There is some big fraud involved here for sure and I will not be using this service again until I receive some sort of resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I have no association with the listed creditors. Please remove them from my credit report immediately, as I strongly suspect they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
Product: Debt collection

Collection account created XX/XX/XXXX for {$150.00} cleaning fee associated with a previous rental. 
Account paid in full on XX/XX/XXXX. 
I have been on a land contract and thus unaware of this account status. 
Collection account still shows as open and unpaid as of XX/XX/XXXX. 
I am back in the market to rent and have paid three {$35.00} fees and one {$40.00} application fee. All which otherwise were accepted ( verbally confirmed by property managers ) but the Collection account appearing as open caused me to lose money and prospective rental agreements. 
I have contacted the Collection agency and was met with nothing more than an apology and request to update the credit bureau, but this does not help. This has caused unnecessary issues as I am having trouble relocating for something that was handled years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency by the name of National Credit System has reported a balance of {$3900.00} on my credit that is not valid. I have gone to the source which is XX/XX/XXXXXXXX on XXXX XX/XX/XXXX in regards to the issue and received a letter pertaining to the amount that is owed which is {$0.00}.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not Be Reported on a credit Reported I Received A XXXX ( cancellation of Debt ) For the following charged off account XXXX XXXX XXXX  listed after checking my most current Report the updated information stated this Account was still being Reported. this account can not be Reperted as a charge off on my credit report please remove account from my report.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan through XXXX. I received an approval from XXXX XXXX XXXX. I answered questions and then received the contract. I signed everything, but then I was asked for my bank statement and pays stub. Reluctantly, I supplied. I questioned it because I was already approved. I simply requested {$500.00} for one week. I was told all the details before submitted the requested documents. After submitting, I was unable to contact them after several attempts. Then I received an email that I was denied. I would not have followed through with any documentation had I know I would be denied. This all seems super, very suspicious to me. They now have my banking information and a signed contract permitting deduction of the loan from my account.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX. FL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XXXX XXXX XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is about Bank of America disclosing sensitive beneficiary information by adding it to the addressee line of mailed correspondence. 

I recently updated my bank of America checking and savings account with a designated beneficiary. Subsequently, to my shock and dismay bank account statements arrived in the mail conspicuously displaying the name of my designated beneficiary right along with mine as addressees. From my perspective this unnecessary and unwarranted disclosure of my beneficiary is an outrageous breach of confidentiality. Accordingly, I immediately lodged my objection by email addressed directly to Bank of Americas XXXX, XXXX XXXX. As a result, I was contacted by representatives from the Executive Response Team. Unfortunately, the representatives didnt seem to have a rationale or remedy for the breach. Apparently, their sole purpose for contacting me was to affirm that the beneficiary addition to the addressee line of correspondence is Bank of America policy. 

At this point, I am left with the impression that Bank of America chooses not to acknowledge the potential for harm that could ensue from their unauthorized and unwarranted disclosure of sensitive beneficiary information. For me personally, this willful disregard for beneficiary confidentiality is entirely unacceptable. However, I want to afford Bank of America ample opportunity to reassess the impact of this intrusive policy before I take further action. 

My expectation is that Bank of America will expeditiously review and adjust its operation to actively safeguard my beneficiary information. In particular, taking the necessary steps to ensure that my beneficiary information is not viewable from outside the envelope of any correspondence, and confidentiality is preserved going forward.
Product: Consumer Loan

Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit card or prepaid card

XX/XX/2022. 
2 credit cards fraudulently opened in my name. XXXX XXXX Us Bank I did not apply or open anything from them. I noticed it on my credit report and through emails. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

Chase Bank closed my checking and savings account for no reason after contacting them in regards to my deposits. Both deposits went through but still they decided to close my accounts just because. They would not reopen my account for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account XXXXXXXX XXXX  : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!
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 XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX5 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

On XXXX XXXX, I noticed several large charges authorized on my Amex account ( on my mobile app ) from a merchant I had never heard of. I immediately called American Express to report the Fraud. Several calls and several broken promises later, no one can tell me the status of these fraud cases, no one can tell me when credits will be issued, they 've been unable or unwilling to stop this merchant from charging me and they 've sent my replacement card to my former address, despite my giving them my new address several times. While I 've been assured that I wo n't be financially liable for the fraud, they refuse to put that in writing. Likewise, it appears criminal ( s ) have XXXX account numbers that they continue to charge while a replacement card is now floating around in Minnesota while I 'm Arizona. I 'm feeling very exposed to further financial damages, identity theft, and am not able to use the account I 've been using for my day-to-day expenses for several years.
Product: Checking or savings account

Not able to transfer money out of Marcus Saving Account. Tried calling but keep getting me into different person and then told me the account is under review. Then my online access got locked.
Product: Credit card or prepaid card

Called twice today XX/XX/21. And the first time I received the same Rep as I get at XXXX XXXX, none to say she was no help and neither was the next one. Neither one could explain the drastic uptick in the amount they are charging me in my minimum payment and why it's stated as interest. 
And also I would like to know why I could not use my card this month when I had available credit. And NO XXXX either. 
Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress