23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Chase checking account was closed by the bank and they won't tell me the reason for it. And there XXXX still around XXXX $ In my account. And chase is not returning those money back to me, and they just keep saying the money is under review. But its been 4 months and they only send me a check with the amount of XXXX . I had almost XXXX dollar they only return me XXXX $!!!
Product: Debt collection

On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by XXXX XXXXXXXX XXXX  XXXX. I was going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from Citibank & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
Product: Debt collection

I have disputed a debt with Experian 5 times with a response that the account being reported on credit report has been verified and is accurate. I called Experian today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called Experian back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to Experian and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an Experian agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that Experian hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is XXXX XXXX XXXX with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} TransUnion : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to court over the XXXX  XXXX account XXXX and showed the judge my evidence that this account was not mine and if my information was used to open it, it was done in fraud. The judge agreed with me and issued a judgment in my favor. This needs to be removed. Despite that order for the judge, XXXX and Equifax refused to remove the reporting and tradeline in fulls as ordered. They simply say the creditor verification says its mine. The courts say otherwise and yet this remains unjustly on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Lexis Nexis back in 2021 via the phone and never received anything back. Ive called several times with no help and I have emailed customer support only to get the same automated response each time. An inaccurate bankruptcy is being reported on my report and its showing on credit reports because of it being on the Lexis Nexus report.
Product: Debt collection

On XXXX I sent a cease and desist letter certified to amcol about buying or selling medical information which is fraud and identity theft per the cfpb it can not go on any credit reports they in fact said I owe a alleged debt which is not mine they are buying bad debts and reporting to credit bureau I want this harassment stopped today I do not owe someone elses debt I asked for purchase agreement and west Virginia business license they have neither and are breaking the law per fcra cfpb you must have a persons authorization to sell or transfer personal medical records to anyone its a hippo violation. Delete from my credit report today or I will take action and it wont be tolerated
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with transunion regarding authorized and fraudulent accounts activity, hard inquiries ony transunion report for the last 11 months with no success or resolution. Tranuiom refuses to delete incorrect information and accounts, inquiries that are not mine and also refuses to provide me with proof confirmed report after completing thier due diligence. I Transunion has repeatedly been asked to correct information on my credit report, such derogatories places a even gardree burden and we are desperately trying to recover from the pandemic.

In the 11 months there has been 21 hard inquiries places on transunion report and despite the orher credit agencies Removing in accurate information transunion has yet to perform new diligence and and take the necessary steps that is needed to correct this ever
Product: Credit card

I received my XXXX XXXX Reward Certifcate. It can be redeemed at XXXX or by direct deposit. In order to direct deposit I have to agree to give Citi Bank and Plaid access to 12 months of my bank statements and transactions and 2 years of bank tax statements. That seems extremely intrusive. All that should be needed is the routing and account number. 

Why is there no way to apply the reward as a simple credit to the credit card for future purchase?
Product: Checking or savings account

On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.
Product: Credit card

I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Enhanced Recovery # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

The MB FIN SVCS account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response which I have decided to seek your help to have this account be blocked.
Product: Credit card or prepaid card

On XX/XX/2020, I applied for a credit card in XXXX 's XXXX. The sales rep incorrectly inputed my social security number, which caused me be declined for the credit card due to myself being " deceased '' ; therefore creating an unnecessary and incorrect hard inquiry onto my credit report.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/22 I received a text message from what had appeared to be from my Bank that a fraudulent charge was made but declined at XXXX in the amount of {$970.00}. I quickly panicked and replied No to the text message. After that my phone rang and the person on the other line said they were from Bank of America and they were able to catch this fraudulent charge before it hit my account. However they said that a pending XXXX Transfer was scheduled to leave my bank account at XXXX XXXX and they wanted to try and reverse it. At this point I had completely questioned everything but they reassured me with confidence that they would get it straightened out. I sent a XXXX transfer in the amount of {$3400.00} to myself but it went to the scammers. I was a complete victim of a Scam that I was not aware about and didnt even realize that it was a scam until I called my Bank the following day. I filed a fraud claim with Bank of America and it is still in process. From what I have read people have had a hard time getting their money refunded back to them who have been struck by this horrific scam. I am a hardworking individual and Bank of America customer for over 16 years who certainly did not deserve to have this happen to them.
Product: Debt collection

My last attempt was made XX/XX/2023 PDM was sent a cease and desist notice in the regards of this debt. I have made many attempts to show PDM I do not owe any alleged on many different occasions. They continue to submit documents which doesnt show I owe any debt I allegedly. I have sent this company proof payments and have also uploaded them into this system as well. They can not fully verify this alleged debt. Submitting amounts isnt verification of any debt or a statement that states I owe any debt isnt a form of verification or verifying I owe any debt. Which is required for any debt collector to verify all alleged debts. Lastly, PDM isnt even licensed to act as a debt XXXX in my state. This will be my last attempt or I have to seek legal action on this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX  directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX  multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated m federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX, XXXX XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XX/XX/year> Equifax XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX other than personal XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I woke up to email and text message that I opened a chime account with all my information matching but I never opened it. I called chime and told them the issue they were able to close my account however I am worried that my social security has been leaked and out there being used
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a XXXX as of XX/XX/XXXX. I need the form XXXX immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and XXXX XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/year> Capital One did unauthorized a {$100.00} withdrawal from my personal checking account for a credit card that I did not open or have. I called Capital One customer service asking why and how Capital One withdrawal that XXXX XXXX.Captial One told me that someone open a credit card account on XXXX and that there also three other accounts with outstanding balance over {$6000.00}. I told capital one to freeze and close those accounts and that I never open those accounts. I never received any credit card, and no emailed or no mail from Capital One. I filed a identify theft and fraud police report on XX/XX/XXXX. I also called my bank about the fraud and identify theft. I pulled my credit report and found address I never lived at and phone number that I don't know. I put a freeze on my credit report and this someone try to open new credit card.