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

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Checking or savings account

Summary : Capital One quietly " deprecated '' my savings account at some unknown date and froze the interest rates at 0.3 %. They gave no notice that the type of savings account I had was being " deprecated '' or even what that meant. When I raised the issue with them, they tried to pretend I was just unhappy about the interest rate, and told me I was negligent for not checking interest rates regularly, and it was my fault for not opening a new savings account. THAT IS NOT THE ISSUE. The issue is that my savings account was effectively converted to an Certificate of Deposit with a permanent fixed rate, with zero notice given to me. 

Background : I originally opened this savings account with ING Direct in XXXX. In XXXX it was bought out by Capital One, and the account was converted to " Capital One 360 ''. I continued to receive all the same service and updates to the account as I had before. Interest rates updated, I could transfer money in and out, and I received regular notices. 

At some point in XXXX  Capital One " deprecated '' every single previous Capital One 360 Savings account with ( apparently ) no notice to clients [ XXXX, XXXX ]. This unannounced change froze savings interest rates in place, preventing Capital One from having to pay out more interest on this large number of accounts. There was no effective notice -- I received no email or mail that I could find -- and current interest rates for this this specific type of savings accounts are hidden behind a small pop-up button on the website. 

My complaint is not about the interest rates. My complaint is about this stupid shell game that Capital One is forcing on its customers. Every so often they " deprecate '' a certain type of savings account and lock everyone into horrible interest rates. They don't give any notice, or if they do give notice it's behind a wall of fine print. If a customer wants to keep getting market-standard interest rates, they have to CLOSE OUT EVERY SAVINGS ACCOUNT and then OPEN UP A TON OF NEW SAVINGS ACCOUNTS. There's no legitimate reason for this. 

I filed a complaint with Capital One, and they basically said " we see you don't like your interest rate and if you don't like your interest rate just open a new savings account. '' But that's not the problem. The problem is I DON'T WANT TO HAVE TO KEEP OPENING NEW SAVINGS ACCOUNTS just to prevent Capital One from scamming me out of money. My savings account still works in every way EXCEPT updating interest rates. They didn't force me to close it or say that I had to move my money out. Capital One is completely happy to let my money sit with them, they just defraud me out of hundreds of dollars of interest each month because they can. 

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

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my Chase business card. Chase 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at Chase, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to Chase. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from Chase during the month of XXXX. I told Chase, I had begun working with a credit counseling agency. As I received more calls from Chase, I contacted XXXX XXXX in regards to my account with Chase. XXXX XXXX first stated, They were waiting for Chase to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from Chase. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to Chase. They instructed me to disregard correspondence from Chase. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and Chase hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with Chase and was going to end the relationship. On XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to Chase canceled. The first payment was made from XXXX XXXX to Chase on XX/XX/XXXX. 
This resulted in Chase reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with Chase and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for Chase to accept the proposal.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Advance Financial in XX/XX/XXXX and put up my car title as collateral. I was going through a rough patch and got laid off from work and could not complete the payments. I ended up filing XXXX XXXX  bankruptcy to try to get back on track. The loan was included in the bankruptcy that I filed in XX/XX/XXXX. They took the car for the balance of the loan. I never heard anything else about the loan until now. I got sent papers to go to court suing me for {$5000.00} for the balance of the loan {$6700.00} with lawyer fees. I don't understand how they can come back on me after taking my car and claiming them on my bankruptcy. I also checked this has been over XXXX years ago. In the state of Tennessee this is beyond the statue of limitations for this kind of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an auto loan with JP Morgan Chase. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX & XXXX  as well as JP Morgan Chase, with no resolution!!!
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 Account Number:XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : 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: Money transfer, virtual currency, or money service

My account was compromised a couple years ago with Zelle. Money was sent out my accounts with transactions. I had no knowledge of.
Product: Mortgage

I have been in arrears on my mortgage for the past three years. Every time that I sent in a partial payment to catch up, it was returned to me with a letter stating that they wanted the entire amount. This happened multiple times. 
In XXXX of this year, I decided to try and sell the home to pay them off. I found a buyer and the house was set to close in XXXX of this year. The closing was then rescheduled to XXXX. 
On Tuesday, XX/XX/XXXX of this year, XXXX XXXX XXXX, the attorney for Rocket Mortgage sent an email to my attorney requesting that I make one months payment. The email was forwarded to me, and I purchased a money order in the amount of {$560.00} and mailed it to the address he provided. 
On Friday, XX/XX/XXXX, the payment was mailed back to me stating that they wanted the full amount. 
The closing date was then rescheduled to XXXX, but we did not close because the buyer did not have funding in place. 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$15000.00}. The payment was due by XX/XX/2023. 
The closing was then rescheduled for Friday, XX/XX/XXXX at XXXX XXXX. A few hours before closing I received an email from the Buyers attorney stating that she did not have all the funding in place, but they still wanted to proceed. We did not close that date. 
On Monday, XX/XX/2023, I withdrew {$16000.00} from my savings account and purchased a certified check in the amount of {$16000.00} payable to Rocket Mortgage. I mailed the check priority mail through XXXX. Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the check was scheduled to be delivered on Wednesday, XX/XX/XXXX, records show it was delivered on Thursday, XX/XX/XXXX at XXXXXXXX XXXX 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$16000.00}. 
On Friday I checked my Rocket Mortgage Online Account to see if the payment had been posted and it had not. On Monday, XX/XX/XXXX, I called Rocket Mortgage and spoke to XXXX. He verified that the payment was received on Friday, XX/XX/XXXX, and that it had not been applied to my account. On Tuesday, XX/XX/XXXX, I called Rocket Mortgage and spoke with XXXX. She too verified the payment was received but stated that she could not apply the money to my account. 
I am filing this complaint because Rocket Mortgage has been requesting payments this entire time and now that they have received it, they refuse to apply it to my account or return it. They are pursuing foreclosure instead. How is it legal to bill someone and then keep the money after theyve paid without applying it to their account? This is theft. 
I would like the back payment applied to my account or returned to me immediately.
Product: Credit card or prepaid card

On XX/XX/2019, American Express customer service sent me multiple simultaneous emails. All the emails were entitled : Important information about your account. '' In those emails, American Express said they were, effective immediately, closing ALL of my credit card account. They closed about 6 cards in one day! I lost personal and business credit cards that I had used for many years and have been a loyal American Express customer for over 20 years. The MOST devastating thing about this was that I lost XXXX membership reward points, at a cash value of XXXX dollars. There was no explanation. We called American Express over the phone on XX/XX/XXXX and XXXX  trying to get the cards open. They denied this and didn't know why the cards were closed What is absolutely maddening about this is that they also said that all of the XXXX membership reward points, points that we had earned by using american express credit cards for ALL of our personal and business purchases, ALL of it was taken by american express and wiped to XXXX. We tried to reach out on XXXX. No luck. We have also sent letter mail to american express at this address : XXXX  XXXX XXXX XXXX XXXX, TX XXXX. No luck. I understand American Express can close cards, but I believe they should give me a chance to use my membership reward points or cash them out, just like EVERY other credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

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

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Product: Vehicle loan or lease

Mega Auto is continuing to illegally report this alleged debt on my consumer reports. I spoke to their company and was told that this vehicle was sold a long time ago yet they are still reflecting this as a debt due with the entire balance. I have requested documents reflecting the original contract and bill of sale, the audit trail of the account as well as any documents supporting the re-sale of the vehicle after repo. Mega Auto has failed to send me any documents that were requested as proof to what is actually owed if anything on this alleged debt. Mega Auto continues to violate my consumer rights with their fraudulent reporting and neglecting my requests for legal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Product: Debt collection

So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I received a credit report from XXXX because I had a question about our XXXX score. Our XXXX  score dropped from in the XXXX to almost XXXX. So when I received the report it showed a credit card from Chase showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called Chase right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to Chase, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call XXXX, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and XXXX unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if XXXX had all my info could they not get ahold of her? Especially, her name was on my report or Chase if they had her name and XXXX addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so very much!
Product: Debt collection

I am receiving letters from XXXX XXXX XXXX XXXX XXXX XXXX for the current creditor " LVNV Funding LL '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXX Discovers agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out about this issue multiple times. They keep reporting old information that is more than ten years old to my credit report. XXXX XXXX XXXX was paid this new company added it to the report as open again I have not banked with XXXX XXXX XXXX since 2016. I also have seen many Many inquiries of which I havent personally done. My late grandmother had the same exact first and last name, I believe this is fraudulent. I dont have a vehicle or a home, Ive never had the credit to own a home, yet it shows inquired or having such. In the credit report, it says it is open, but it is not. The older reports I saved over many years, demonstrates that it was from 2016 and is over seven years ago. My credit score hasnt been near the XXXX or close to XXXX, its so frustrated since Ive started building credit Ive been denied housing, loans, cars, and much more because all three credit bureau cant handle reporting and following the law. XXXX, TransUnion, and XXXX havent been reporting or updating their data and my file for many years and its demonstrating how incredibly negligent they have been with my information. I was also part of a data breach from XXXX and XXXX and I was supposed to be give 2-3 years of free credit monitoring and assistance with fraud and I never received ANY response or free monitoring ; I have been paying for XXXX monitoring services. Im really disappointed, if they arent doing their jobs correctly what is the point of consumer credit? Just the basics is hard for all three bureaus.
Product: Checking or savings account

PNC is preventing me from connecting my checking account to apps like XXXX XXXX  XXXX.
Product: Debt collection

I have been trying to get National Credit Systems Inc to send verified information that they said they used to verify the debt on my credit report! 

Ive looked on the NMLS consumer website and they arent registered to collect in my state either. 

When i called them they were rude and wouldnt answer my questions. 

Theyre located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA
Product: Checking or savings account

On XX/XX/XXXX I lost my wallet and on XX/XX/XXXX someone made two purchases for a total of {$910.00}. I immediately called the bank and was advised that because the funds were pending and had not posted, they couldnt do anything. I called on Monday and they said because of the Holiday ( XXXX XXXX ) the funds still hadnt posted. The funds didnt post until Wednesday XX/XX/XXXX and by then my account was already - {$72.00} due to bills and a {$35.00} negative funds fee. By this time I had called 5 times and had spoken to multiple representatives that I did not intend to get an immediate resolution to my issue, but I did NEED my funds due to bills and being able to care for my family. On their website they have a XXXX liability policy which they did not adhere to claiming that they had to abide to their claim timeframes. Its now Friday XX/XX/XXXX, my account is - {$570.00} due to bills and I have yet to receive any temporary funds. It is unfair that my card was stollen and I am being held liable. I am working class and I can not wait 10 business days for my account to be credited.
Product: Mortgage

US Bank Home Mortgage stated that the payment in XXXX of XXXX  was not supposed to be counted as a late payment due to COVID-19. Furthermore, in compliance with the Fair Credit Reporting Act, this creditor has infringed upon my rights as outlined in 15 USC 1681 section 602, emphasizing my right to privacy. Additionally, according to 15 USC 1681 ( section 604a, section 2 ), it specifies that a consumer reporting agency can not provide an account without my written instructions.