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

You are in Direct Violation of The Fair credit Reporting Act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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
Product: Mortgage

On Friday XX/XX/XXXX I received a letter from Wells Fargo stating that their had sold my mortgage servicing to, XXXX XXXX XXXX ( aka XXXX  ). XXXX reviews on XXXX XXXX read as a horror story. Of the 566 reviews 500 seem to be negative. Lost payments, uncredited payments, foreclosures, using your social security number as a password, lost paperwork and very poor customer service practices. It seems they are using the same tacts Wells Fargo used doing the housing melt down. Things the state of California objected to. Things they used on me when I was trying to get my HAMP approved back in XXXX through XXXX. It was a fight I do not want to repeat. 

I dont know if Wells Fargo, who was recently in the news for foreclosing on some 450 homeowners illegally, has possibly used XXXX in those instances. 

Please look into XXXX for me. It will give me peace of mind to know that California is once again watch the backs of its citizens.
Product: Credit reporting or other personal consumer reports

To give back story -- In XX/XX/XXXX I was alerted by XXXX XXXX that there was an account in collections on my credit. After contacting the collections agency connected to the account, Professional Debt Mediation ( XXXX, FL ), aka PDM, I discovered the claim was from an apartment complex outside of XXXX. I was told a line of credit had been opened in my name for a deposit on an apartment. However, I have never lived in Florida and have never opened a line of credit in Florida ; in addition, I had never been contacted by PDM for this supposed debt, which they had placed on my account without making an attempt to contact me. I called the apartment complex, and was told that I would have to get back in touch with the collections agency. I followed their instruction but PDM was very uncooperative in providing information and helping me clear the collections from my name. I filed disputes with XXXX, XXXX and XXXX ; the collection was found to be false and was subsequently removed from my credit reports. I immediately placed credit freezes on all three. Again, this was Sept 18/19, 2023. 

At some point early XXXX I began to get more calls from PDM. After my previous experience with them I refrained from answering but checked my credit reports. XXXX and XXXX were clear, but XXXX again showed a collection from PDM in the amount of {$270.00}, opened on XX/XX/XXXX. I filed a new dispute through XXXX on XXXX XXXX. But this time it was found to be accurate as of XXXX XXXX ( today ). It is not accurate and I do not owe this debt. It is supposedly from the same apartment complex, filed through the same debt collection agency, during a time I had a freeze on my account, which is still active. I suspect PDM is debt parking on my credit.
Product: Vehicle loan or lease

Please investigate this account this account belongs to XXXX XXXX
Product: Debt collection

The debt collector who purchased this debt from my original creditor ( I C System ) has attempted to re-age this debt to XXXX, when in fact the original creditor, XXXX XXXX XXXX, reflects that this account was closed in XXXX of XXXX.
Product: Checking or savings account

I AM A VICTIM OF AN IDENTITY THEFT, WHICH CLEARLY TRANSLATES THAT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE FINANCIAL INSTITUTION DID NOT VARIFY THE ACCURACY OF THE DOCUMENTATION AND NOW I AM A VCITIM AND CAN NOT OPEN ANY BANK ACCOUNTS.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Each credit bureau has XXXX different date that these unauthorizes account were opened
Product: Debt collection

XXXX XXXX XXXX has placed a collection on my credit file for the amount of {$710.00}. I am not liable for this account and they have not provided me with a contract or purchase agreement from the original creditor if any. The account is being placed as open which is clearly a violation of 1681 s2a. I am requesting immediate deletion from my credit files XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX.
Product: Credit card or prepaid card

I looked into doing a balance transfer because of the interest. I researched on a few websites that compared different credit cards, looking into 0 % balance transfer offers. I went with Capital One & that was a horrible decision!! It says on their own website & 3rd party websites that they have 0 % APR on purchases & balance transfers for 15 mths. I signed up, got approved, & transferred my balance from my old CC to the Quicksilver card. I realized later on my monthly statements I'm being charged 21.74 % interest! That is much higher than my previous interest rate and I have a great credit score. Capital One tells me I agreed to these terms and there is nothing I can do & they refuse to refund me for the interest charges. Why would anyone switch over to a higher interest rate?! Then they even tried to tell me I do have an offer of {$150.00} cash back if I spend {$300.00} ... why would I make more purchases if you already took my money?! THIS IS A BAIT & SWITCH SALES TACTIC & FALSE ADVERTISEMENT!! They do not even care that I am going to close this account & let people know that they are a horrible company ( maybe because they already scammed me out of a few hundred dollars for nothing ).
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX collection that is not mine. XXXX and XXXX  has removed this collection due to failure to verify it was mine. Equifax has not complied.
Product: Debt collection

This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID
Product: Credit card

I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. 
The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person. 
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person. 
The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address. 
The Credit Reporting companies effect an erroneous change of address for two people. 
There is a potential for ID theft!
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I am a XXXX XXXX here in the US. I worked as a XXXX. An XXXX XXXX from other country. 

I was having a hard time with finances this year because my salary is too low, my rentals and other expenses here in the US is too high that is why I tried applying a personal loan at opploans online, I was surprised that the interest is huge but I still applied for it, resulting to difficulty of budget. I send half of my salary to my family back home, because my XXXX children are XXXX and no one will take care of their finances except me. I started a {$500.00} loan and the interest is over 160 %, I refinanced it due to financial problems and I was approved for {$1500.00}. 

They take away electronically on my account the amount of {$130.00} twice a month, starting XX/XX/XXXX until now. I am really confused with the scheduled payment specially the month of XX/XX/XXXX, I saw that they schedule XXXX autopays on my card. The loan will end on XX/XX/XXXX. This is too much. I am having an XXXX because of this. 

Please advise me. I want to be free from their incredible interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX and Transunion dropped my credit score by 44 points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is falsely reporting inaccurate information from XXXX XXXX XXXX XXXX, XXXX in the amount of {$240.00} XXXX XXXX XXXX XXXX, XXXX in the amount of {$100.00} on my credit report. I've asked that this information be validated by the contract, note, or other instrument bearing my wet signature or that this item be removed XXXX Conf. # XXXX XXXX Conf. # XXXX XXXX Conf. # XXXX No information has been provided to me, nor has these items been removed. These accounts do not appear on any of my XXXX or XXXX reports and they do not belong to me! This is extremely detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

According to the FCRA code 15 U.S.C 1681a2, states that I must give written permission to have these accounts furnished on my credit report. I did not give written permission to have these accounts report, as they do not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also list these laws for your convenience.
Product: Credit card or prepaid card

Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}
Product: Credit card or prepaid card

Around XX/XX/XXXX, I had lost my wallet and cellphone at the same time. My phone did not have a passcode lock on it, therefore information on my phone was easily accessible. I had sensitive information pertaining to my identity, email access, and even phone access. Who ever did the charges below had my phone too, because they were able to confirm a 6-digit passcode sent by chase to me VIA email/text. 

Since Chase is assuming it me who confirmed my identity, they are denying my claim. 

These are the fraudulent transactions below in which Chase is denying my claim. 
The specialist assisted payments are not made by me. I asked chase to see if they can pull up the call log records on that day to check the voice of whom was speaking. 

XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX  XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA -XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX I filed a police report regarding this matter. 
All of these transactions are reflected on my account and credit report. I am not liable for ANY fraudulent transactions, and Chase states in their policy that there is a zero-liability for fraudulent transaction. This is significantly affecting my credit score due to a high utilization. 

I had them escalate the claim to another agent so another set of eyes can go over my claim. 

I am very frustrated from this situation and can not believe how Chase is treating my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent and duplicate student loans on my credit report. Experian failed to investigate or consider my personal statement. Problem has not be rectified.
Product: Debt collection

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block 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 Account name : XXXX XXXX XX/XX/XXXXount number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.