23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was in my Chase account where I had an auto loan, and I was looking into balance transfers. Specifically card balance transfers, due to accruing interest etc. Credit Karma said I had outstanding approval odds. When I picked out what I wanted it asked about the balance transfer about and I think it was XXXX. When I went through everything, it went to the next page with a pop up window asking if I wanted to accept the card offer. I didnt. So I exited. Instead of a balance transfer they just opened a card for XXXX limit which was not what I requested nor even close to what I needed. I promptly called the bank and was passed around 3 or 4 times. I asked them how to get rid of it because I didnt want to open the account in the first place. I believe this is fraudulent and I am reporting this to the consumer financial protection bureau as well due to this outlandish deal. There was an accept button that I did not accept. I then panicked because I didnt want to have the open card because I never wanted it in the first place and asked them to undo it. They wouldnt and said they could only close it which impacted my credit score. This is not the first time they have done this as there are multiple reports of people in similar situations as there should not be an accept button if it doesnt matter. It should be clearly stated on the website that when you apply your chances of getting a XXXX credit card with no transfer balance is 100 %. I believe this is intentional as people would rather keep the card open then have the card closed and have it impact there score. The card was opened and closed the same date within XXXX minutes. I dont want anyone else to be affected like I have as its been very frustrating trying to deal with.
Product: Debt collection

XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Money transfer, virtual currency, or money service

Zelle did not disclose that if you sent money to the wrong person you can not get it back
Product: Credit reporting or other personal consumer reports

There is an address I saw on my credit report I never live at this address before XXXX XXXX XXXX XXXX XXXX ga XXXX
Product: Checking or savings account

I filed a claim/dispute with Capital One Bank in regards to International fraudulent charges to my new checking account. It looks to have been done all over the internet from foreign countries such as XXXX and XXXX through fake sites or online portals. 
Capital One has all my information on file but yet denied my dispute and is claiming all charges were valid. I live in Hawaii and have never been or bought anything from XXXX or especially XXXX!! 
Capital One refuses to help me any further with my disputes or with getting my money back! Now I'm out XXXX!!! I've been trying desperately to get this fixed because I need my money back! They keep brushing me off or they just deny my disputes in general saying that someone confirmed some purchases via text. 
This is ridiculous and I want justice! I want my money back!! I was told you folks could help me out, if not I will need to take legal action against Capital One. 

Here are claim numbers and amounts : XXXX, XXXX If you have any questions please contact me directly.
Product: Debt collection

I was contacted on Thursday, XX/XX/XXXX, at XXXX EST, from phone number XXXX ( per caller ID ), by someone claiming to represent XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), regarding an alleged debt. I was told that I owed {$290.00} for a Bank of America account that was closed and charged off on XX/XX/XXXX. I requested substantiation of the alleged debt and questioned the validity of an alleged debt from XXXX for which no previous collection action was taken, and was told in response that I was going to be " marked as a refusal to pay '' and " placed in XXXX XXXX, so I won't be able to ever open a bank account again until I pay ''. I replied that I would take legal action, and I was hung up on. 

I called back at XXXX EST and spoke to " XXXX '' ( ext. XXXX ), who clearly stated that the alleged debt is for BoA account # XXXX, in the amount of {$290.00}. She went on to say that it was charged off on XX/XX/XXXX, and the last payment received was on XX/XX/XXXX. I asked for substantiation of the debt and provided a personal email address ( XXXX ), to which XXXX replied that she would email me the requested information in a few minutes. I never received any such information. 

I immediately went to my local BoA branch, where I spoke with a manager to review my account histories. The manager retrieved the information, and showed me that I had 2 accounts, opened in XXXX, and closed in XXXX. These accounts were closed in good standing. The manager could not locate any account in my name prior to that, and certainly not open in XXXX, nor with the account number provided by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. 

I strongly believe this claim of debt is fraudulent, and that XXXX, XXXX, XXXX XXXX attempted to commit theft by deception in pursuit of this illegitimate collection action against me. Even if legitimate, which I vehemently dispute, I believe the threat of extrajudicial punitive action is a violation of the FDCPA, and I request that the CFPB take action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the Fraud Department of XXXX in XXXX, I am a victim of identity theft for more than two of us, and they have vcarion reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, makes fraudulent reports the Experian fraud department. They are affirmed that this report is false.The accounts I am disputing are two ( 2 ) and one of them Experian is reporting double is XXXX XXXX # XXXX for an amount of {$16000.00}, and the other is from XXXX   XXXX  for an amount of # XXXX. These accounts do not belong they were not opened by me and this is why I go to the XXXX XXXX XXXX  so that you are witnesses that the department of fraud of Experian in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to Experian. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX, Experian, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX XXXX
Product: Debt collection

I requested a copy of my credit report and I found a collection account being reported by this company. I have never received any communication from said company about any debts so I proceeded and mailed a debt validation request to the address they had provided to the credit bureau. They refused to respond to the letter which is a clear violation of the Fair Credit Reporting Act and the Florida law regarding debt collection practices. I request they remove the account from my credit report no latter than XX/XX/2022 per the guidelines of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan with Mohela Department on XX/XX/2010, as well as US Department AFSA on XX/XX/2010, my loans have been closed and I 'm still seeing this loan on my credit report and I would these to be removed, the company tells me I ca n't have them removed unless the government removes them.
Product: Credit reporting, credit repair services, or other personal consumer reports

account information inaccurate which in is violation in FCRA XXXX XX/XX/XXXX : account XXXX XXXX XXXX date opened XXXX 2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
TRANSUNION : reports that i was current with payment XXXX 2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies
Product: Student loan

Hi, I contacted Edfinancial on XX/XX/XXXX about getting my refund for the payments I made on my student loans during the covid pause and my balance updated but was told some vague information about it taking up to 150 days to receive my refund and see the balance update on the loans. I've contacted them about updates on the matter and all they tell me is that I have asked for my refund but nothing seems to be getting done about it. I have not received any confirmation or any guarantee that they are actually refunding me for my payments going back to payment pause in XXXX or XXXX of XXXX. I would just like to make sure it gets processed before I apply for student loan forgiveness. I'd really appreciate any help I can get. I know a lot of people have been having this same issue with Edfinancial and this seems to be a serious problem at the moment.
Product: Credit reporting or other personal consumer reports

I have tried to view my report on line so i can dispute online, and i have never been able to get my report online, it's ridiculous. EVER! They always have some kind of excuse. The system is down call back in an hour, this excuse was given on XX/XX/23. I called and talked to someone and requested a new password and i got it, and it still didn't work. I tried the, " forgot password '' online and it asks me my security question and i answer it and it still states, " we are unable to provide the information you are requesting ''. 
Years, years... I have tried to review my report online with them and i have never had the trouble i have with transunion with either of the other credit bureaus. I want to dispute online an i want to see my info online. I do not want a mailed report! This is the XXXX  century! I do not want to dispute in writing!
Product: Credit reporting or other personal consumer reports

TRANSUNION SIMPLY REFUSES TO FOLLOW THE LAW. THE UNITED STATES CODE 1681 SEQ ET AL, AKA THE FCRA HAS SPECIFIC GUIDELINES AND MEASURES IN PLACE TO PROTECT CONSUMERS FROM CORPORATE ABUSE AND ILLICIT TACTICS THAT ULTIMATELY RESULT IN CONSUMERS PAYING HIGHER INTEREST RATES DUE TO INCORRECT OR ERRONEOUS INFORMATION SOMETIMES FRAUDULENT LIKE IN MY CASE. I HAVE SENT IN DISPUTE PACKETS MULTIPLE TIMES MULTIPLE TIMES. I AM PREPARED TO SUE. THIS IS RIDICULOUS, CFPB SEEMS LIKE IT HAS NO AUTHORITY NO POSTURE TO EVEN INSINUATE TRANSUNION LLC TO PROPERLY FOLLOW THE PROCEDURES AND OR EVEN THE LAW IN THIS CASE I HAVE PROVIDED ALL DOCUMENTATION I HAVE BEEN A REPEAT VICTIM OF THEFT, IT IS KNOWN, IT IS DOCUMENTED, I HAD SOMEONE OPEN CARDS IN MY NAME BEFORE XXXX XXXX XXXX THIS IS NOT NEW, THIS ENTITIES ( TRANSUNION, XXXX, XXXX ) THEY KNOW THIS, THEY HAVE THIS FILES!!! SO WHY ARE THEY NOT FOLLOWING THE CODE OF THE LAW? WHY? AM I HAVING TO PUT MULTIPLE COMPLAINTS IN THRU SYSTEMS THAT HAVE LITERALLY PUT IN PLACE FOR THIS EXACT REASON!
Product: Vehicle loan or lease

I have an existing auto loan through Bridgecrest LLC who finances on behalf of XXXX. I began the process of refinancing with XXXX XXXX XX/XX/XXXX. Bridgecrest charges daily interest and they have failed to send a copy of the title to XXXX XXXX despite repeated phone calls I have made and caused to be made regarding this issue. I have sent the new financier everything they need and thats all theyre waiting on, approval is subject to expiration by XX/XX/XXXX. Im being told that Im past due and in collections regarding the loan, which would not be the case had they honored my request in the first place so theyre now reporting a past due status and jeopardizing my ability to refinance entirely all to charge daily interest on the loan by delaying. 

XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  ( 18 Minutes, ) was told theyd send a copy of the title to the new financier. 

Prior to these calls, I called XXXX customer service department to procure copy of the title and they reached out to their lender as proxy. I was sent a copy of the title of another persons vehicle divulging their personal information and not mine, further delaying. 

The new financier has reached out on XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX, they called Bridgecrest and sent me this message : the rep I spoke with on the XXXX submitted the request then. Not sure what happened to your requests but it should be here tomorrow. This morning, XX/XX/XXXX, I received an email from XXXX XXXX saying, Hi XXXX, If you get the title please send it over today. Once we have it we can go ahead and re-pull the credit to proceed. So Ill take another credit inquiry hit! 

Attached, please find the documents and personal information they sent me instead of the documents that pertained to my vehicle loan. Theyve disclosed someone elses protected information to me negligently.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from Receivable Management Group XXXX XXXX XXXX XXXX. The later indicated I had the right to dispute the debt within XXXX days. On XX/XX/XXXX I mailed a response to the letter disputing the debt and requesting XXXX verify the debt by providing information such as the original age of the debt and delinquency date, their license to collect in the state of XXXX XXXX, and an itemization of the amount owed. The next communication I received from XXXX was a demand for payment in full on XX/XX/XXXX, and it did not contain information I had requested via letter in XXXX.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I submitted a wire transfer request to pay for a short term rental in XXXX XXXX XXXX. {$7400.00} was to be sent to XXXX XXXX XXXXXXXX XXXX XXXX  XXXX account, and it covered the deposit and fees, and the first month 's rent. I submitted the request, with as much information as I could provide in the XXXX field on the form, and shortly thereafter a representative from the bank called me to verify the submission. About a half an hour later, I saw an email that my account had been suspended and the wire transfer was rejected. I called the bank to get more information, and to provide more information. I was told that suspicious activity and red flags on my account caused the suspension, and the bank needed to investigate. I informed them that by withholding this money, I would not have any place for my dog and I to go, and nowhere to put my belongings. I inquired about which transaction was deemed suspicious, but was not given any information. I provided the explanation for the wire transfer, and then I followed up via email with the invoice for the rental and a written explanation. Going through my accounts, I tried to determine any other suspicious transactions, but nearly all of my transactions would fall within the normal banking that most people conduct every day. Most deposits to the account come from my own accounts at XXXX or XXXX, where I am usually paid because I work for myself. The other deposit to the account was from another rental agency, The XXXX, for a rental that fell through the week prior, but for which they took the payment at the time of booking rather than after the rental was confirmed. The XXXX was instructed to direct the payment to my Upgrade account, where I would be able to use the preferred method of payment of wire transfer, for the new rental company, XXXX XXXX. I provided all of this information in writing, and supplied Upgrade with as much information as possible, none of which has been given to the team investigating the account. Because this matter is really time sensitive, and the consequences dire for me, I have continued following up with Upgrade every day since XXXX, and have not been given any timeline or additional information. If I'm unable to gain access to my account and funds by tomorrow, I will not have a place to go with my belongings, and because I transferred all of my funds to this account just prior to it being suspended, I don't even have the money to get my car out of the parking garage. In researching this issue, I've found that many other Upgrade customers have had this exact issue happen to them, and some of them have waited more than 30 days to get their money back, if they ever get it back at all. Losing access to more than {$7500.00} of my own money will ruin my livelihood, leave me homeless, and have irreparable repercussions, and I feel the suspension is unjust because I have provided all the necessary information to verify the payment, but it's not being used in the investigation or verified otherwise.
Product: Credit reporting or other personal consumer reports

In XXXX I asked Equifax and XXXX to investigate and verify my public record listed on my credit report. They responded saying this information is accurate and still remains on my credit. I requested an investigation report and have not received this, now I would this information removed from my Equifax and XXXX report it is hindering my future financial stability.
Product: Credit reporting

After submitting the request information at annualcreditreport.com, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Portfolio Recovery Associates , LLC [ Portfolio Recovery Address ] [ City, State, ZIP Code ] Subject : Notice of Potential Identity Theft Dear Portfolio Recovery Associates, I am writing to inform you that I believe I am a victim of identity theft. I recently discovered that an account in my name has been placed with your agency for collection. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I have already reported this incident to the Federal Trade Commission ( FTC ) and have filled out the necessary forms on IdentityTheft.gov. Enclosed with this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Affidavit. 

In light of this situation, I request that you : Cease all collection activities related to this account. 
Remove any negative information associated with this account from my credit report. 
Provide me with any information you have regarding this account, including the original creditor, account number, and any transactions made. 
Please confirm in writing that you have received this letter and that you will take the necessary actions to resolve this matter. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX are reporting incorrect information on the consumer report they are furnishing. My name is XXXX XXXX and my address is po box XXXX XXXX XXXX MI XXXX there should be no other personal information being release failure to address concerns I will pursue legal action.