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

On Sunday XX/XX/XXXX I woke up to multiple unauthorized transactions via cashapp for a sum of about {$7000.00}. Most of the money was withdrawn from my XXXX account as my debit card and my bank account is linked to my cashapp. I immediately contacted their support team to raise awareness of the activities. However I was told to wait XXXX business days for an answer. I also made a police report. A few days a later I was emailed back that my case was denied due to compared transactions history that was similar. I immediately disagreed and asked for documentations that shows comparisons. The document that I received does not show any similarities with my account history. I called them back and ask them to explain however I was told to file another claim. I went ahead and did as told and again my claim was denied and I was informed no further action will be taken.
Product: Debt collection

Midland Credit Management purchased a debt from XXXX XXXX. They allege that this debt belongs to me. 
I never had an account with XXXX XXXX. 
Any accounts with XXXX XXXX  were the result of fraud. 
The debt that was purchased was the result of fraud. 
I only discovered that this account existed when I went to buy a new car and my credit score was low.

Upon ordering my credit reports, I discovered this account and filed a dispute with all 3 credit bureaus. 
Midland Credit Management informed the credit bureaus that the debt was mine. 
Once I received that information, I called Midland Credit Management. 
I informed them that this was not me. 
They claimed that this was under investigation. I asked them who was investigating this, so I could speak with them. 
Midland stated that they could not tell me or give me the fraud investigator 's contact information as the investigation was not complete, and that could take up to 90 days. They did give me the number of their legal department but said it would not be helpful with the fraud investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the Equifax Data Breach.
Product: Debt collection

In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX of XXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from Arcon Credit Solutions LLC that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from Acron Credit Solutions about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.
Product: Checking or savings account

I am writing to formally lodge a claim regarding the misleading marketing and misrepresentation of the interest rates associated with the 360 High Yield Savings account. Upon opening this account, I was led to believe that the interest rate offered would be among the highest in the market, as prominently advertised on your website and in promotional materials.

However, after further research and comparison with other financial institutions, I have found that Capital Ones 360 High Yield Savings account does not offer one of the highest interest rates available, contrary to the claims made in your marketing materials. At the time I opened the account, your website and promotional communications represented the interest rate as being highly competitive, yet I have discovered that several other banks and online financial institutions consistently offer higher yields on similar savings products.

This misrepresentation of the interest rate led me to make a financial decision based on inaccurate information. I believe this constitutes a violation of fair advertising practices, as the claims made were misleading and led to an unfair advantage over consumers who trusted your representation of the account 's benefits.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report with Experian and couldnt believe what I saw, I was in complete shock! I found a collections account with an incorrect address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the company to provide me with original contract and the lady said they can not provide it. 
Please delete this collections account from my credit report as the address linked to the account is not my address and it is inaccurate. Thank you very much
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting an inaccurate payment history. XXXX is showing payments that Experian is not.
Product: Student loan

I have several loans with Wells Fargo. When I set up paying about XXXX years ago they arranged it to be made under 1 payment. For the first several months payment was not dispersed by them to all loans. They the claimed I failed to make all payments and listed about XXXX accounts a month delinquent for XXXX months. I was in conversation with them about this the entire time. This lowered my credit score. They refused to reverse the delinquent reports even though it was they who did not distribute payment made. Additionally they refuse to refinance a consigned student loan less than XXXX
Product: Debt collection

Moneylion has reported a alleged collection to the credit buraus for a alleged debt that I do not owe or have any knowledge of as I have been the victim of identity theft. I have sent a letter for validation of this alleged debt and have not received a response. Moneylion is violation of the Fair Debt Reporting Laws and the Fair Debt collection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a very vague response, almosrt two months later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA.
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was removed from my credit report because it was fraudulent but they added it back it shouldn't be on my credit report it's fraudulent
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I RECIVED A CALL FROM MY SISTER, ( WITH WHOM I DONT HAVE A RELATIONSHIP ) ASKING ME WHY MY CREDITORS AND ALL MY PERAONAL INFORMATION WAS SHOWING UP ON HER ACCOUNT. I HAD NO IDEA. SO I TRIED PULLING A COPY OF MY REPORT, ONLY TO FIND THAT IT SAID I WAS " UNSCORABLE '' AND THAT THEY WERE UNABLE TO SHOW MY CREDIT REPORT. 
I CALLED EXPERIAN TO SEE EXACTLY WHY THEY WOULD SHARE ALL OF MY ACCOUNTS AND ALL.OF MY PERSONAL INFORMATION WITH MY SISTER. I KNOW THIS IS ILLEGAL AND UNETHICAL. IT WAS AS IF THEY DELETED ME AND MADE US XXXX PERSON. I ASSURE YOU, WE ARE XXXX DIFFERENT PEOPLE, WITH DIFFERENT NAMES, ADDRESSES, BIRTHDATES AND SOCIALS, SO I'M NOT UNDERSTANDING THIS AT ALL. WHEN I CALLED, AT FIRST, THEY PUT ME ON HOLD SO THEY COULD " CATCH UP '' THEN I WAS TOLD THAT THEY CANT PULL UP MY CREDIT REPORT, AND THERES NOTHING THEY CAN DO. I THEN ASKED FOR THEIR LEGAL DEPARTMENT. I WAS PUT ON HOLD AGAIN, FOR OVER AN HOUR!! SUPPOSEDLY TO SPEAK TO A SUPERVISOR, WHO NEVER CAME ON THE LINE AND I WAS DISCONNECTED. I AM TRULY UPSET AND NEED THIS ISSUE FIXED ASAP.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, my Identity was stolen & 2 fraudulent accounts were opened in my name. I have no clue how this could of happened ( original creditor names ) XXXX & XXXX XXXX. It is my understanding that according to the fair credit reporting act, it is my right that my information XXXX reported fairly and accurately. 

please help me in any way you can.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681cXXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The annual fee of {$99.00} for next year posted on XX/XX/XXXX, requested to cancel the account and refund the annual fee via phone on XX/XX/XXXX. FNBO refused to refund the annual fee says there was a new purchase after that. They can not revert the charge of annual fee no matter if I keep or close the account. They refused to refund the annual fee for the same reason in XXXX as well.
Product: Credit reporting or other personal consumer reports

I am writing this letter to the fraudulent inquiry on my credit report. This inquiry is fraudulent and I need this inquiry removed from my credit report. Here is inquiry listed below. 
XXXX XXXX XX/XX/2023
Product: Credit card

I was the victim of identity theft and a fraudulent GS Apple Card was opened in my name. In a previous CFPB complaint # XXXX from last year Apple Card admitted the account was fraudulent and agreed to remove the tradeline from my credit report. The account is still showing in my XXXX credit report.
Product: Debt collection

I received a letter from convergent regarding a possible debt that I owed. I file a dispute of this debt in XX/XX/2019 asking for debt verification and validation. I did not receive any notification via mail or any information to validate the debt and they decided to place an invalid account on my credit report without validating the debt.
Product: Payday loan, title loan, personal loan, or advance loan

THIS COMPANY HAS NO CONCEPT OF WHAT MEANS FOR DEBT FORGIVENESS, I HAVE EXPLAINED TO THEM SEVERAL TIMES THAT I AM UNEMPLOYED, BROKE, NO CAR, NO JOB, NO FINANCIAL SUPPORT NOR ASSISTANCE AND CONTINUED TO CALL AND EMAIL WITH PROPOSED PAYMENT PLANS KNOWING THAT I AM FLAT BROKE AND HOMELESS!!!! I WANT {$1500.00} AND DEBT FORGIVENESS NO QUESTIONS ASKED OR I WILL SUE FOR $ XXXX UPFRONT!!! EVEN WITH SECURE EMPLOYMENT I AM UNABLE TO PAY ANYTHING AS I WILL BE FILING BANKRUPTCY DUE TO MY CIRCUMSTANCES!!!!!
Product: Credit card

I had applied for a Chase XXXX Visa Platinum credit card online on XXXX/XXXX/XX/XX/2015. Due to lack of verifications reasons to further evaluate my application, their fraud department had mailed me a letter stating they needed some personal information sent in verifying my date of birth/current billing address. I provided exactly that by their fax ( copy of my drivers license and current XXXX utility bill ) to speed up the process given by XXXX of their representatives at this telephone number, XXXX XXXX. They confirmed receiving my items 72 hours after. Since then, I contacted them now over XXXX times to discuss and resolve this issue, but their requested contact, Supervisor XXXX XXXX has not returned my call since all the messages that were left by me still. In my last telephone call, I was told from XXXX of their representatives at this number that they had declined my application due to this same reason, but still received no letter. I am even more unhappy that their telephone representative gave me the final decision before they even contacted me. I am extremely concerned about my credit report showing any negativity against other potential creditors to review my account for this unsatisfactory reason. I work very hard to maintain a good credit rating and need find a resolution for this. It has now been on going for over a month now and no matter how proactive I am, they are not responding. I am open to any assistance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in prison so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Equifax has not and now they have stopped me from submitting further disputes on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent two Certificate Letters to LexisNexis ( XXXX ) and ( XXXX ) in order to validate the accuracy of the accounts which reported by US Bankruptcy Court negative information : US BANKRUPTCY XXXX. # XXXX and Bk # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent by USPS. Please, resolve this matter as soon as possible and thanks for your time and consideration. Sincerely, XXXX XXXX
Product: Mortgage

I am very disappointed of Ditech I submitted all my documents since   XXXX   /2017   . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am  XXXX   XXXX   XXXX  and is getting harder for me to move around do to my  XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of  XXXX  and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some  Agent  tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in  Lieu  request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in  Lieu  documentation.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws. 

There has been a police report for XXXX and XXXX XXXX 

There is also Account name XXXX Account # XXXX This account was paid off in full and they marked it as charged off as bad debt and purchased by another lender. I have sent multiple letters to reach them and the bureaus but have not received a response back. Which also goes against the FDCPA, Please advise.
Product: Debt collection

Constant phone calling. Multiple times a day, multiples times in 7 days. In some days like below the debt collector called twice every hour for a couple hours. Here is the call log within the last two days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am literally being reprimanded at my place of employment due to these calls. I have attached call logs for your reference. This is a violation of the law. Please help.
Product: Credit reporting or other personal consumer reports

Transunion dropped my credit score by XXXX for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on XXXX credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX