23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a scam and Identity victim. Two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA  office.     There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX . There are  six peop le that have filed police reports on thes e two a nd we are all working together toward getting justice.     Now, I have disputed the charges on the Ban k of America CC. T HESE CHARGES ARE FRAUDULENT.     Ban k Of America ca me back with a statement and a copy of  XXXX  transaction telling me that this is my signature. Its very clear ... that its not my signature. I explained that to BOA and I was told they would reopen the investigation. That has never happened.     Since them I have been harassed to pay this since  XXXX     2016. (  10 months ) Despite the numerous letter and attempts to resolve this issue.     I will repeat myself, these are fraudulent charges on these  XXXX  accounts. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that BOA remove all fraudulent charges.     PS : I can provide witnesses and police report upon request.
Product: Checking or savings account

On XX/XX/2020 {$3800.00} XXXX was transferred from XXXX XXXX XXXX checking ) to TD bank ( checking ). A review of my account on Monday XX/XX/2020 and observed the {$3800.00} in my checking account. On Tuesday XX/XX/2020 the {$3800.00} was removed from my account. Subsequent telephone calls with TD bank representatives indicated no transfer or a deposit of {$3800.00} was debited to my TD bank account. XXXX XXXX  provided a transaction number and verified the TD bank account number. I have spent several days inquiring about this issue.
Product: Credit reporting or other personal consumer reports

I just noticed XXXX JPMCB card services on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is Chase putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with chase ever.

Partial account # s from my credit report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a XXXX XXXX  student and XXXX XXXX XXXX XXXX ran a branch in the lunchroom of my school. They lured me into applying for this credit card, which is still haunting me TWELVE years later. Not too long after I obtained the credit card, in mid XXXX, I hit hard times and was unable to make my payments. XXXX XXXX XXXX XXXX charged off my account and also entered a judgment against me in XX/XX/XXXX. I paid the judgment in full in XXXX with my tax refund. They do show that on my credit report as the last payment on XX/XX/XXXX. They also show the account as " paid and closed. '' Yet, in XXXX & XXXX they have the account reported as charged off. This is inaccurate as it was paid in XXXX and first became delinquent in XXXX. Per XXXX, a chargeoff should only remain on the credit report for 7 years after the first missed payment, which was in XXXX and it is now XXXX. I do not have a copy, but I sent them a certified check from my credit union, XXXX XXXX for {$460.00}. I have reached out to them many times about this account and they NEVER respond. I have also disputed this account through the credit bureau in XXXX and I thought the inaccurate and negative information was removed. But I checked my credit report today and here it is again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts
Product: Checking or savings account

I deposited a check to chase for {$5000.00} and when i logged online to check to see if it cleared, there were hundreds of unauthorized charges, when i called the bank they said i had to gather all the charges and call them back, so i did that, the lady that i spoke disputed the wrong charges and did not dispute all the charges that were not ours, then more charges came through after the claim and we got new debit cards. so i been on the phone with chase getting no resolution or help from chase, they told me they are not giving me back any money for this claim, this happened right after i made this deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan debt is being illegally re-aged by the company that bought the debt, ascendium education solutions. They bought the debt in XX/XX/XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been reaching out to XXXX customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of XXXX representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations. 

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to Experian and Experian said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. 

I applied at the XXXX XXXX branch of US Bank. 

US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. 

I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. 

I called the bankers in XXXX talked to them. They asked for the District Manager to  request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX  is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. 

This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. 

I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX  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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Product: Checking or savings account

I made a cash deposit on XX/XX/30 and the ATM went out of service during the deposit. The machine kicked my card back out but not my {$120.00}. I immediately filed a claim with their customer service and have heard nothing yet. There is no reason for it to take this long. I called customer service again on XXXX and after waiting in the queue for 30 min. they could tell me nothing but in process then transferred me to the claims department who never answered my call. I sent the same information as above to their XXXX XXXX and they responded with the following : Hi XXXX, thank you for reaching out. We're sorry to see the ATM malfunctioned and did not deposit your funds like anticipated. Our ATM dispute claims can take 10 business days to complete from the time of filing. For more information about the claims process please contact our 24 Hour Customer Service team at XXXX. Kindly, XXXX You can't tell me that they don't balance the ATM 's daily. Again, there is no reason for it to take this long to credit my account with my {$120.00}. I want my money now!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT 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 INSTRUCTIONS.
Product: Debt collection

I have noticed I was getting mail from a company by the name of XXXX XXXX XXXX that kept getting forwarded to my current address from an address I have not lived at for 4 years. I recently received a letter of a debt a company, that was trying to collect. I have never opened a business, I do not own a business and have already reported this business being open to the Federal Trade Commisions. I will be filing a police report as well as this is not my debt. They are stating that I owe {$12000.00} and the creditor is from a XXXX XXXX, which I also do not own. I have locked my credit and when reviewing I have not noticed anything flag on my credit report nor does it show this collection on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the XXXX XXXX XXXX XXXX XXXX  ) regarding this identity theft and am now requesting the immediate removal of these fraudulent items from my credit report.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, we purchased a house with an expensive air conditioning system. On the first hot day of the summer of XXXX, we turned on the AC to find that it did not work. It had to be replaced on XX/XX/XXXX. We signed up for a one year same as cash agreement with EnerBank USA, and I began making payments. The amount owed was {$8400.00}. I paid {$2000.00} on XX/XX/XXXX, {$430.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, and {$750.00} on XX/XX/XXXX. I have now paid the entire amount, but EnerBank does not acknowledge that I have made all of the payments. 
I have had long phone conversations with 3 different employees on 3 different dates, and each of them has given me different information about payments that were not received. One of them even sent me an invoice that indicated that EnerBank owed me money ; some of my payments had been doubled. 
From the beginning there were problems with making payments. Twice I was able to make payments online. Other times when I tried, I could not. I asked for payment coupons and occasionally received one, but some of my payments were made without coupons because I did not have them. The amount that I owed was never accurate on the statements that I received. One statement indicated that I owed interest when the agreement was that there would be no interest owed if all of the debt was paid within 1 year. Statements received indicated that my first payment of {$170.00} is due XXXX, XXXX, more than 3 months after the year end due date. 
I have sent verification of a payment that one EnerBank employee said they did not receive. My verification was not acknowledged. On XX/XX/XXXX, with my final check payment, I sent EnerBank a letter detailing each payment that I have made, whether it was online or by check, the amount of the payment and the check number. When I phoned today to double check my final payment of the loan, I was told that they did not receive that verification and that I still owe {$1500.00}. I asked to speak with someone in management and was told that management only takes emails ; I was told that someone from Customer Service Management would call me back but there is no direct number so I can not call them.
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 : DPT EDXXXX Account Number : XXXX Account Name : 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

on XX/XX/2021, I applied for a 48-month loan for {$2000.00} and an estimated monthly payment of {$73.00} as advertised on XXXX. Additionally, I uploaded the required documentation ( copy of my earnings statement, social security benefit verification ) as proof of income. I received an email congratulating me on the approval of the loan and confirming receipt of the requested documentation. On XX/XX/2021 at XXXX XXXX  XXXX ( Onemain Financial ) called to review my loan application to finalize the loan request. Our call was lost. I called back and another agent answered and stated he was attending another customer and that he would give XXXX the message to call me. I did not receive a call so I called at XXXXXXXX XXXX. to speak to XXXX. He answered and said he would call me back in 10 or 15 minutes because he was helping a customer. XXXX called me back at XXXXXXXX XXXX he began reviewing my application with me and indicated that I was approved for {$9200.00} unsecured and {$13000.00} secured. I told him I wish to stick with the {$2000.00} loan request. At that point, his conversation changed with me. He showed a lack of wanting to continue working with me because I did not want the additional money. He was curt and unprofessional, so I withdrew my application, and he could not be happier with my decision. These are not ethical and good lending practices. My loan request was turned down because I did not want the additional money at their high-interest rate.
Product: Mortgage

I paid off my mortgage with Bank of America in XX/XX/XXXX. Bank of America failed to provide me with the original note and deed of trust. I mailed a Notice of Error to Bank of America in XX/XX/XXXX asking for the original note and deed of trust. Bank of America still has not provided me with the original note and deed of trust.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}