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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

Account name : jpmcb Date opened : XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I received a loan from this lender on XX/XX/2021 for {$1000.00} at an annual interest rate of 392.58 %. After I make all payments I will have paid {$2900.00}. I needed the loan at the time to pay urgent housing-related bills to maintain my family 's health and safety, and in my desperation agreed to an usurious interest rate that should be illegal. I have made six biweekly payments of {$160.00} for a total of {$980.00}. On XX/XX/2021 I will make another payment of {$160.00}, bringing my total paid toward this loan to {$1100.00}. After I make the payment on XX/XX/2021, this lender should close my account as paid in full. {$1100.00} would be the total principal paid back plus {$140.00} in interest, which would be a 50 % annual interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX  I logged into my account to see the charges to make an extra payment on and above the monthly auto recurring payment and noticed that three disputed charges including two {$29.00} and XXXX cents from an unknown merchant were reposed to my account by Capital One I contacted Capital one and was told that on XX/XX/XXXX   a notice was sent to my capital one account dashboard to which I failed to respond. I was logged in while speaking with the representative and told her that I don't see any notices, did not receive any emails, no phone calls nor received any letters requesting more information. 

Please see 3 attached snap shots of my dashboard I asked the representative why don ' they send a simple encrypted email or a letter or just call my cellular? then she hung up on me. 
I called again & spoke with another rep who told me the same story and again I stated that there was nothing in my dashboard and asked to be connected to a supervisor. 
XXXX, a supervisor also insisted that a notice or letter was sent to my capital one dashboard on XX/XX/XXXX  and refused to give me her last name, office telephone, extension or employee ID nor her supervisors name.
Product: Debt collection

Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.
Product: Debt collection

Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.
Product: Checking or savings account

I opened an account with Wells Fargo and then I went to XXXX. While in XXXX money was withdrawn from my account and it was overdrawn without my knowledge. Wells Fargo did not help or try to get my account back in good standing. My account was closed while I was in XXXX in XXXX.
Product: Credit card or prepaid card

on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX  gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX  store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX  to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern on XX/XX/2016 I made a police report and FTC Affidavit and some documents supporting my claim explaining the Identity Theft that occurred on my credit report. All companies followed the law and removed the Fraudulent accounts from my credit report except Grant Mercantile Collection Agency.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX XXXX XXXX I have a right to opt out of getting my nonpublic personal information shared with non affiliated party Transunion, XXXX, XXXX. They violated my rights by not providing me with the opt out disclosure because as a consumer I have the right to privacy and I also have the right to opt out getting my nonpublic personal to information to non affiliated third party
Product: Debt collection

National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. 

Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. 

Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. 

Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again their message included " Reply STOP to end. '' I replied STOP today in response. 

I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. 

I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.
Product: Student loan

I am employed by a 501 ( c ) ( 3 ). Currently 108 periods of payment have been qualified for PSLF, and a further 11 show as eligible with employment certification. XXXX would have made my 120th eligible payment period, but MOHELA 's processing delays have potentially prevented that. Moreover, MOHELA changed my repayment plan from PAYE to Level without my permission, dramatically increasing the monthly payment amount listed on my account from {$280.00} to {$2500.00}, though no payment has been due yet, and potentially impacting my ability to get back onto PAYE, SAVE, or another IDR plan. 

On XX/XX/XXXX, I submitted a request to change plans from PAYE to SAVE through studentaid.gov. I allowed studentaid.gov to access my tax history electronically to verify my income for the application. 

MOHELA received my application on XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic message on my MOHELA account with a letter post-dated to XX/XX/XXXX saying that 4 of my 5 loan sequences ( 3,4,7, and 8 ) were being put into a processing forbearance. The 5th sequence ( 2 ) still showed a payment due under the PAYE plan. 

On XX/XX/XXXX, I sent a secure message to MOHELA asking : 1 ) Why loan sequence 2 was not placed into a processing forbearance and whether it was still being considered for my SAVE application, 2 ) the status of my SAVE application and whether any further information was required, and 3 ) whether pay periods that pass while in processing forbearance would count towards PSLF forgiveness. I have received no response to this message. 

On XX/XX/XXXX, a payment under the PAYE plan amount was made for loan sequence 2 ( not in forbearance ) via auto-debit. No other loan sequences had a payment made as they were in processing forbearance. This payment was my 120th PSLF-eligible payment for loan sequence 2, and XXXX would have been the 120th eligible payment for every other sequence. 

On XX/XX/XXXX, I received an electronic message on my MOHELA account with a letter post-dated to XX/XX/XXXX saying that loan sequence 2 was being placed into a processing forbearance. There was no reply to my XX/XX/XXXX message or any explanation offered as to why loan sequence 2 was originally excluded. 

On XX/XX/XXXX, I received an electronic message on my MOHELA account with a letter post-dated to XX/XX/XXXX putting all of my loan sequences onto the Level repayment plan. I STILL have not had any communication about the status of my SAVE application. 

On XX/XX/XXXX, I sent a secure message to MOHELA requesting information about why my account was placed on Level and about the status of my SAVE application. My SAVE application is still listed as " processing '' in the documents received portion of my account, and " in review '' on the studentaid.gov website. I have not yet received any reply from MOHELA. 

I have been unable to call MOHELA. Often my work as a teacher makes it impossible to call during MOHELA 's phone hours. I need MOHELA to reply to my secure messages and explain why they have potentially delayed my PSLF by months or more by preventing me from making a payment while my loans are in processing forbearance.
Product: Checking or savings account

I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

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 angency can not furnish a account without my written instructions.
Product: Credit reporting

Late XX/XX/XXXX I was checking my credit often and my score would slowly be going up although I really do n't have much good or bad. I went to XXXX in XX/XX/XXXX and when I got out I had multiple more hard checks and credit karma would n't even tell me my score. Also I have a delinquent account on there that say it was closed in XX/XX/XXXX. They do n't even have info right. XXXX I signed up for a pre paid card and they never sent it. I asked again once I did n't receive it then they hard checked my account again! Annual credit report would n't give my score online they wanted to mail it. I think I 'm being done wrong if they do n't even trust online. I 'm not sure something 's up and its hurting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
TransUnion and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by XXXX, they are the same accounts still being listed by TransUnion and XXXX so they should be removed from Transunion and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.
Product: Credit reporting or other personal consumer reports

TransUnion has put a lot of inquiries on my credit that I did not authorize. XXXX XXXX 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: Mortgage

I was never provided via mail or email options for my escrow increase. AT ALL. I want the option to pay the one-time lump sum. By them uploading the statement to my previous complaint with CFPB does not constitute them providing it to me. They claim on that statement there is a {$620.00} shortage to be collected over 12 months that would be about {$54.00} increase ... yet my mortgage increased over {$300.00}! Overnight with no letter no explanation as to where this money is going. I DEMAND an option to pay my one-time lump sum. My mortgage has increased over {$300.00} with NO NOTIFICATIONS or NOTICES. 

Secondly, again my additional payments are not being applied to my principal balance the DAY they are recieved.
Product: Consumer Loan

On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is being generated by XXXX and XXXX except Experian. I have tried to verify my information over dedicated phone number and online portal of Experian but could not successful. 
When other two credit reporting agency are getting my credit information then which thing restrict this company to get my information? 
My expectation is that this company would come forward to resolve the issue.
Product: Prepaid card

I ordered an electronic American Express Gift Card on XXXX XX/XX/XXXX for the amount of {$320.00}, paid a total of {$320.00}, order number XXXX. I received the email that's supposed to contain the card information ( number, expiration dates, etc ) within a few hours, but there was no card number in there. There was a link to View and Print this Card, but when I clicked on it, it only took me to the Check Balance page of the AMEX gift card website, where I was supposed to enter the card information, which I don't have. I've requested the eGiftCard email to be sent to me multiple times after, including to different email addresses, but the same thing happened every time. I called customer service on XXXX XX/XX/XXXX, and they were not helpful at all, kept giving me different ways to receive the same email that doesn't contain the card information I need. I then requested that they just give me the card info over the phone, but their procedure does not allow them to do that. After a long phone call, I requested a refund, but they refused to refund, telling me that I need to wait XXXX hours to try to request another email. I've been receiving the same email for the last several weeks, and they never included the info I need.
Product: Credit reporting or other personal consumer reports

noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian and submitted Legal documents that my XXXX XXXX account should not be reported on my credit. The property is owned by a Trust and I no longer have ownership. I requested that they remove the account from my credit report.