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

Account has been closing due to a new address changed since XX/XX/XXXX for fax or send they received one on XX/XX/XXXX I have been calling every day. The one they received on the XXXX they said it was not valid and I was not informed until I called on the XXXX Of XXXX that the fax I sent in on XXXX XXXX was not valid I sent a fax on the ninth or the XXXX the XXXX if youAnd the first my card is not active and I keep getting different time frames nothing has been done
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX my ex spouse was contacted and given private information regarding my debt. Once again on XX/XX/XXXX my XXXX XXXX was contacted at XXXX XXXX  local time about my debt
Product: Credit card or prepaid card

I paid my last XX/XX/XXXX statement balance of {$9600.00} IN FULL on XX/XX/XXXX with Capital One.
My account is listed as closed yet they issued a {$15.00} interest charge " on purchases '' on XX/XX/XXXX. My last purchase was XX/XX/XXXX, a full three statements/months ago.
When I spoke with the rep, he could not give me a valid explanation on what the interest charge was specifically for. He told me that in order to close the account I have to pay " two full statements in full ''... How am I supposed to pay two full statements in full if there is a XXXX balance? Oh I know, they arbitrarily assign a {$15.00} " interest charge on purchases '' even though I have n't made any purchases in months, and the last statement was paid in full, and the account is listed as closed. This makes no sense and I 'm not paying another dime.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CREDIT SOLUTIONS CORP was reporting to be negative on XXXX  and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

The company XXXX  also offers cards for XXXX  stores. I reported the theft of my card and fraudulent charges to both XXXX  and XXXX aka XXXX bank and they wiped out the card with XXXX  but have pursued me even after many requests for proof it was me and never providing it and me telling them it was theft and not me and now they've sold the debt to a Third party who is suing me for it.
Product: Credit card or prepaid card

In XX/XX/XXXX, I accepted a transfer offer from Juniper  ( Barclays ) to pay off my XXXX XXXX card and asked for {$1200.00} to be sent to XXXX  / XXXX to pay against my balance. 

On XX/XX/XXXX I contacted Juniper as the transfer to XXXX had not been made. A web response from Juniper claimed the transfer of {$1200.00} was " completed. '' and that it could take 7-10 days to show up. 

I called Juniper numerous times, only to be put on hold for 20-30 minutes, and the phone cut off. 

In XX/XX/XXXX, the transfer still not made, I spoke to a representative who said the account number for the XXXX card was incorrect, so payment could not be made! Why did no one notify me? If the money was sent back due to a wrong account, why didn't Barclays correct this. They did NOTHING. I was told a " special team '' would investigate and get back with me, and Case ID XXXX was assigned. 

When no response was received, I called on XX/XX/XXXX, and with insistence, I was finally put through to a " specialist '' who then put me on hold for over 20 minutes, and the phone cut off. Note - each time I called, and was hung up on, no one ever called me back. 

I web messaged Juniper on XX/XX/XXXX, gave the above facts, and received a web reply saying the investigation could take up to 25 days. 

In a letter dated XX/XX/XXXX ( over one month since the transfer had be completed as Barclays told me ), Barclays now tells me the investigation can be up to 60 days, and maybe resolved in my " favor '' or not in my " favor. '' What does this mean? Where did the money go? 

I implored Juniper to pay off XXXX while they were investigating, but that request was ignored. So, as I explained to each representative I spoke with, I am paying now for TWO credit cards, incurring a fee from Barclay 's that never occurred, and paying interest on the XXXX card that should have been paid off by Barclays. 

I deserve to know why, when the transfer did not go through, did Juniper not take action to correct that and pay off XXXX? Where did the money go, and why wouldn't Juniper  account for that. 

I want Juniper  to refund my transfer fee and the interest I have incurred from paying XXXX balance fees during this time, and mainly I want them to immediately transfer the money to XXXX to have it paid off. 

I am a lawyer, and I want answers, something is wrong at Juniper, and I am entitled to know what they know. 

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

I had traded in my car for a XXXX truck. I had called Santander to advise car was traded in and if payment still needed to be made. They stated no since they would receive a check from dealership and would be paid in full. Month later they show account closed and add remarks saying 30 to 60 days late payment. This all happened in XXXX of 2019. I submitted disputes with creditor, never got back to me.
Product: Debt collection

Medical bill from ex wife is showing up on my record multiple times yet we didnt even share medical insurance at all and XXXX XXXX  through the collection agency americollect keeps trying to have me pay for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UT XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I was told verbally by Navy Federal Loan officer XXXX after he viewed my credit report that I would qualify for a HELOC/refinance I applied for with Navy Federal . As such I did not go to other lenders during the two week period when multiple credit pulls from mortgage lenders do NOT affect your credit. 

I have a credit score of XXXX, been at my job for 22 years, and have no debt except for my mortgage, my income was XXXX and I still received notification that I did not qualify because of " excessive obligation in relation to income ''. Yet according to XXXX my debt to Income ratio was acceptable and within guidelines of a loan I was applying for with Navy Federal. This is contradictory by nature and leads me to believe there are other reasons for the denial. 

The loan XXXX XXXX did state to me that the loan package that he put in the first time was not complete due to his part, however he assured me he would put the loan package through again. I am left with a lower credit score because of the credit pull performed by Navy Federal due to a incomplete loan package or other reason I would like to be determined by this agency or court appointed agency.
Product: Credit reporting or other personal consumer reports

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer. 

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer. 

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer. 

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality. 

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer. 

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account. 

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the the fraudulent items several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit card or prepaid card

On XX/XX/XXXX after multiple attempts to contact American Express Serve I was able to reach them. I notified them of Several fraudulent transactions on my account. I advised that I myself took out {$200.00} at an ATM on XX/XX/XXXX and that I hadn't realized my card was gone or used until XX/XX/XXXX. During that time may transactions took place and I didn't authorize nor make these transactions. The lady I spoke with said on the call " This definitely appears to be fraud on minute after your transaction was complete someone attempted a withdrawal at the same ATM and entered your pin incorrectly. '' Apparently they attempted it again and got the PIN correct. In the next 2 days they stole near {$3000.00} from my account. I filled out all the forms and sent them back in as requested. Only to be told that they are denying my claim. I went to the XXXX website to realize this is what they do with any suspected Fraud case they deny your claim then close your account on you. Even though they clearly advertise Zero Fraud Liability. I sent in and requested any and all documentation to prove it was me. If they can't provide a picture of the Suspect that stole my money how can they deny my claim. They are unable to provide any information that would warrant denying the claim. They also refused to even provide me the written documentation they claim they used to determine the fraud. With COVID-19 going on and the amount of money stolen I can't and won't just let this go!
Product: Debt collection

I called, Credit Management.LP at XXXX XXXX XXXX, XXXX XXXX in XXXX Tx, XXXX. Phone number XXXX. I requested my information using my last name and last 4 but they were unable to find me in their system. However, when I provided my full name and full social security they were able to find me but my name was spelled wrong. I told them, they had the wrong person because of the name they listed. They said, the social matches so it has to be you. I told them I never received my dispute letter and the lady said, we already sent it. But how can that be, you do not have the right name. I told them I want to dispute the debt by phone and she said, we dont do that here. I told the lady according to the FCRA you are suppose to dispute the debt, if the consumer said it is error. She told me to go to the website. The FCRA says I can dispute immediately by phone. When I asked about my letter for dispute again, she ignored the question. I reported them to the XXXX XXXX XXXX and they admit in their comments they didnt send me my dispute letter and that it was on its way, after about 120 days latter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 2 loans on my credit thats not mines, XXXX  XXXX XXXX  has a closed account on my account thats not mines, XXXX  is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill  for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help
Product: Checking or savings account

In XX/XX/XXXX Moneylion ( XXXX XX/XX/XXXX) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ 500+ 3. Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached SCREENSHOT ) and maintained direct deposit of {$3200.00} ( XX/XX/2019 ), {$3100.00} ( XXXX ), {$3100.00} ( XX/XX/XXXX ) and  {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of {$550.00}
Product: Checking or savings account

case # XXXX To whom it concerns ; My account was hacked or somehow compromised on XXXX XXXX for the amount of XXXX to pay a apple card last XXXX ending XXXX, the next day XXXX 2023 the amount of XXXX was paid to an apple card last XXXX ending in XXXX... I have never owned a apple card in my life or had a XXXX sacks account, been a gold member of your bank for approximately 38 years. I have contacted fraud division of bank of america several times and was told they will review it again immediately, yesterday received a letter stating it was denied, so I called back and was told that's not the way the do that I have to submit this in e mail, was told this 1 week later..My account was left with XXXX dollars which was not enough to pay my own bills, I am a senior citizen, XXXX vet on a small pension, I had a major XXXX XXXX 5 years ago and this is not helping, too much stress from this. XXXX things, my phone was stolen 6 months ago in XXXX. XXXX XXXX XXXX XXXX ago I opened a cd from the hermit branch and after that my account was violated.Ive repeatedly asked to be notified immediately, and received a letter in the mail 2 weeks later. I have contacted the police and have a file number of # XXXX out of the perris sheriff station. Also contacted the Consumer Financial Protection Bureau with a complaint number XXXX. Have been into the branch manger in XXXX for help, to no avail. I have also contacted the XXXX XXXX I at XXXX. This is a hardship for me i am pleading for help Please contact me asap my phone is XXXX, you have my email XXXX. I have also contacted XXXX XXXX and they verified no account, then contacted XXXX card and verified no account in my name in my name. I am desperate and please need your help Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Product: Debt collection

Debt is {$2000.00} and I have no idea what its for but I don't have any money for that and its just a matter of what is going on in my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I filed several certified mailed in disputes and have called multiple times but received no response from XXXX, Equifax, and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the financial burden you caused me. My information was also impacted by the multiple data breaches and may have got into the hands of the wrong person. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the accounts, they failed to provide evidence to support ownership of the accounts, they did not furnish the paperwork required to show 100 % proof that I own the accounts.