23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My Zelle was blocked in XXXX due to fraud, however my phone was stolen by an ex boyfriend who hacked into my account and was using my phone to send and receive fraudulent zelles. I had nothing to do with the fraud he was committing it was out of my reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. TransUnion and XXXX  had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. TransUnion has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. XXXX  is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX XXXX in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.
Product: Credit reporting or other personal consumer reports

This complaint is being submitted with full certainty and seriousness. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant XXXX and XXXX
Product: Credit card

My credit score has been XXXX for decades. This month, my credit score dropped by XXXX points. When I investigated why this occurred, it was because my credit card company, Capital One, failed to report my account information with the credit agencies. Both XXXX and XXXX show that I don't have a credit card and also show that I don't have any credit. All of my bills with every creditor, including Capital One, have been paid on time. I am a customer in good standing with Capital One and have a {$32000.00} credit limit. As a result of Capital One 's mistake, I can not even attempt to go to another card because my credit score is too low. I recently attempted to get a card from XXXX XXXX and was rejected. Capital One 's dereliction of duty has had a direct impact on my credit and has had a clear detrimental impact on my financial well being. In addition, there error has forced me to remain as their customer because my reduced credit prevents me from going elsewhere. It has been over a week since I contacted them about this issue and while they acknowledge the problem, they have failed to address it.
Product: Credit reporting

cros ref XXXX this is what the cr bur saying XXXX {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could dispute
Product: Money transfer, virtual currency, or money service

Threatening Email sent to me from someone I have no idea who they are, who the company is, what they are referring to, they never use my name, never gotten a formal legal letter or served papers, & I don't even live in the state of Kansas. 

XXXX XXXX XXXX XXXX XX/XX/2021, XXXX ( 3 days ago ) XXXX XXXX, The nature of this email is to ascertain your attorneys information. 

Attention My name is XXXX XXXX. 

I AM FROM XXXX XXXX XXXX XXXX FIRM and the reason for this email is to inform you that you are listed as the primary subject in a question regarding a case being downloaded. 



Case Id. XXXX Customer XXXX Debt amount - {$840.00} We regret to inform you that if we do not obtain the payment of {$840.00} in full before today ( deadline ), we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our client. 

We still trust court actions will not be necessary and look forward to receiving payment by return. 

Let me relay all the informations from the affidavit first, Our client is pressing charges against your name regarding three allegations : 1. Violation of Federal banking regulation 2. Collateral check fraud 3. Theft by deception =============================================== The affidavit states that your name was monitored online using an email address in order to solicit funds from a website owned and operated by XXXX XXXX XXXX  ( Ace Cash Express ). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for an Electronic Funds transfer. 

When they attempted to extract the funds back as repayments the EFT was returned constituting a worthless electronic check. As of now rather than chasing you for money they have simply decided to write this money as loss and declare it to be stolen as well as press charges against you in the state For you this means TWO things. 

1. If you are on any state supervised probation on payroll you will need to contact the officer and make them aware of what you have done. 

2. If you have any prior convictions including but not limited to worthless checks, grand theft or money laundering please be aware they will handle your case as that of an habitual offender as your state is a zero tolerance state. 

This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded The entire cost incurred to execute the legal charges against you is {$7400.00} which will be levied on you please beware this excluding your bail charges, attorney charges and the due amount. 

Finally you do have a right to an attorney. If you dont have one or you can not afford one then one will be appointed to you. Please make sure that you have someone to get out when the judge hears your case. 

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : XXXX Regards XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, KS XXXX
Product: Checking or savings account

I asked how to transfer money to my XXXX  account. They told me I can pay a third party to transfer my money or I can wait on my debit card because without an active debit card Im not allowed to external transfer. Then the representative threatened to sue me because I started recording. The representative then stated that she has no contract with me and she will be during me if I post it on line and chime would be contacting me with a take down order. 

Case numbers from chime for the report of there agents are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax well over 30 days ago. The dispute was regarding a collection account with XXXX  for the amount of {$1400.00} in addition to the following collections : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I still have not received an update nor had the fraudulent account and hard inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 someone opened a Discover credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and Discover Financial on multiple times and they still have not removed item from my credit report.
Product: Credit reporting

I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.
Product: Credit reporting

I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX  XXXX is violating my consumer rights. by trying to collect a debt. 
PLEASE SEE ATTACHMENTS I XXXX  XXXX, the Principal and Authorized Representative for all accounts created by my seal/signature, I am the Original Creditor Federally, Protected Consumer, I am declaring that my right to Privacy as a federally protected consumer is violated. stated in FCRA USC 1681 and the FDCPA USC 1692. The accounts listed her has chosen to disregard or ignore my ID Theft Report. LVNV FUNDING LLC violated 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i According to the statute these companies had plenty of times to Validate/ Verify the account. 
They have far exceeded the 5 business day reply 30 day investigation to verify/ validate the alleged debt, even the 15 day extension to investigate this debt. 

Is it a Fact, XXXX XXXX XXXX has accessed my OPEN-ENDED CONSUMER CREDIT PLAN. I demand verifiable WRITTEN & NOTARIZED proof that they have not done so, in a statement of fact.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX Account number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit card or prepaid card

Capital One offered a credit card & I accepted. I had a good history for several months & then I moved. Notifying them online of my new address. I received a call from a toll free number. I was told it was Capital One & they needed to verify personal information over the phone. I refused & asked to speak to a supervisor . In that process I was disconnected. I tried calling back a couple times BOTH TIMES being disconnected.  <P/> My account was locked out as under possible FRAUD because I refused to give personal information to someone calling me claiming to be from the credit card company & I had no way of verifying that. I finally moved ag ain, back to my original address on file when I opened the acct. I chatted via the cap one website, they asked a few questions to verify me. THe chat box said verfied but I had to contact another dept to unlo ck my card. After some time I connected & was told provide photo ID with the address that matched my acct. I did that days ago! I am still locked out & they claim FRAUD!  <P/> They were trying to force me to share private information in a dangerous setting and I want everyone to know how stupid such actions are! They lost all this business because another bank provided a better card & I just use them!
Product: Credit card

back in XX/XX/XXXX  I closed my account with ASPIRE CREDIT CARD because I couldn't keep up with the fees and interest I was making payments, but my balance was not going down, no difference in my balance, I continued making payment until now, but my balance does not seem to come down, Aspire credit card decided to add a new charge to my card in XX/XX/XXXX  : is call maintenance fee {$12.00} a month, plus annual fee {$49.00}. 
even though I have close my account, no longer using this credit card. 
My question is, this credit card company can start new fees at any time? 
Charge for annual fees even though I'm not using the account? 
I'm still making payments, but I'm not using this credit card any more is a rip off.
Product: Credit card

Hi again... I am a senior and getting blindsided by my XXXXXXXX XXXX XXXX XXXX XXXX. I just looked at my statement and they are charging me an annual fee of {$39.00}. I never received a notice that they were going to do this. And I just closed the account because they would not help me. I have been with them for several years in good standing. Can they do this to people? 
The statement is dated XX/XX/year>. 
Please help because I am getting too old for these problems and I am low income and deaf. I gave you my captioned phone number if you call me. Also my previous complaint with XXXXXXXX XXXX XXXX  had offered a payment plan for $ XXXX 6 % interest .which I accepted. I made XXXX payments and when I tried to pay for XXXX, they said ( all of a sudden ) that I had to use my savings, which I do not have. I was paying by phone with my debit bank card. I am really frustrated sir or madam and I just am not paying them another penny..they can put me in jail! 
Sorry about long complaint Yours truly, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Round Point mortgage servicing refuses to acknowledge two inaccurate late payment marks on my credit report. I have been trying to get information and resolution for over a month. I have filed disputes with all three bureaus as well. Most recently I spoke with XXXX and was bounced around a call center for an hour. Still, nobody is able to help me. This is fraud on the part of Roundpoint mortgage servicing, and some quick research shows that they are a cut rate institution, and I am not alone in my complaint. 

I am under contract on a home, and their inaccurate and disingenuous practices are preventing me from obtaining a loan.
Product: Debt collection

Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.
Product: Credit card or prepaid card

XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  is my day job. 

https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not. 

As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows. 

I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran? 

I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard. 

Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.
Product: Mortgage

This is a follow-up to your recent email to me on my complaint # XXXX, stating that J P Morgan Chase is working on the complaint and will provide feedback to me within 60 days. Oh, they are working on it, all right ; just " running out the clock. '' This matter could easily be researched and resolved in just one day 's time, but they clearly do not intend to do so, now or ever. They have just notified me of their intent to escalate my mortgage to the stage of foreclosure, which could likely be achieved in less than 60 days, thus confirming the fear I have had all along that they intentionally put me in an illegal, unaffordable loan situation to drive me into foreclosure so they could destroy me and be done with the mortgage forever. Unless you demand from them an equitable resolution as soon as possible, I shall be irretrievably ruined financially, with no home and no hope.whatever. Thank you for your attention to my case, and, please come to my rescue. I am fighting for my home, my life, and I am confronted by an adversary with nearly unlimited resources, and who is as unscrupulous and corrupt as they are bureaucratic and inefficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have neve
r incurred debt with these creditors. I do not know where they came from.
Product: Credit reporting or other personal consumer reports

I filed XXXX  that has been XXXX since XX/XX/year> and I have contacted XXXX, XXXX since XXXX  and I have disputed this for years and it keeps coming back verified Ive contacted the is XXXX  court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately
Product: Credit reporting

I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - **************** ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.
Product: Credit card or prepaid card

XX/XX/XXXX signed up for a Chase Freedom XXXX card with a promotion of XXXX ( total of XXXX ) points per dollar on grocery spending for 12 months. Worked fine until XX/XX/XXXX then stopped crediting properly. 
In late XXXX I contacted Customer Service and was told all is fine. In XXXX I contacted again and in XXXX I got a letter stating my purchases don't qualify as they are not XXXX or XXXX purchases which is a separate quarterly promotion the card had. 
XX/XX/XXXX I contacted the XXXX XXXX and representative XXXX told all is fine and points will be credited within a few cycles. Didn't happen. 
XX/XX/XXXX I used Chase 's XXXX XXXX system to request a detailed report of all XXXX earning for this card. Went back and forth with reps who weren't reading my request to be told by one that they don't have access to that information and only I can view the past 3 months worth online. 
XX/XX/XXXX I contacted the Executive Offices again providing a detailed spreadsheet of each transaction on the card with missing points earning and where the bonus would be coming from. 
Heard back on XX/XX/XXXX from representative XXXX leaves voicemail confirming receipt and opening a review. 
On XX/XX/XXXX, XXXX & XX/XX/XXXX I called representative XXXX leaving voicemail requesting update. No responses received.