23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

Transunion Credit Reporting Agency does not allow me to unfreeze my account. I have requested a credit report as well and they were not able to comply. Their Customer Service wait over the phone is 1+ hour and then it gets disconnected. Their website has a reoccuring problem and does not allow for functions to be performed. This has been happening since XXXX Please assist. Thank you
Product: Credit card

I am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. I discovered this issue on [ XX/XX/XXXX ] when I was notified of [ unauthorized activity, e.g., new accounts, credit inquiries, ] through [ source of notification, such as a credit report, ] Date of discovery : [ XX/XX/XXXX ] What was stolen : Specify the information stolen, such as your Social Security Accounts opened : on [ XX/XX/XXXX ]. 

Name of the financial institution or company that opened the account. 
synchrony bank credit card. 

Type of account ( credit card ).
Product: Checking or savings account

hello, i became aware of a settlement by Wells Fargo Bank to customers who had accounts from XXXX XXXX XXXXXXXX i found the information through this article : XXXX XXXX XXXX 

i reached out to the bank, however, the representative wasn't aware of the settlement. she also asked me what fees i might need refunded. i don't have records of fees for that XXXX year period, and i would like to verify that the bank does not owe me any monies either through erroneous fees or as compensation as part of the settlement. 

the article instructed me to this website, saying that you could follow up with the bank on my behalf. 

thank you.
Product: Credit card

I applied for a payment plan with both my Lowe 's and Amazon cards on XX/XX/23 with the understanding that I'm all caught up on any late fees/late payments. Synchrony, the company who issues the credit cards informed me multiple times over the phone ( recorded conversations ) informed me multiple times that there are no additional payments I need to make and I'm not considered late as long as I meet the minimum for the plan they put me on. I found out on XX/XX/XXXX that this was a lie after speaking with a supervisor and requested they investigate their conversations so this wouldn't reflect poorly on my credit report. They told me this would take 30 days and I never received any correspondence from them. They've abused my credit by reporting late payments that shouldn't have been considered late as they never informed me that I was behind when setting up this plan. They never sent the findings of the investigation even though they have recorded conversations.
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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

I reached out to XXXX, XXXX and Trans Union and disputed XXXX hard inquiries that are currently on my credit profile. I NEVER authorized any of XXXX companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and Global Funding and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX XXXX XXXX to which now PORTFOLIO RECOVERY ASSOCIATES the debt buyer have been reporting the open account open and active since the purchase to which XXXX  XXXXXXXX XXXX have charged off and closed the account prior selling it to PORTFOLIO RECOVERY ASSOCIATES
Product: Checking or savings account

Ban of America is claiming that I or someone I knew authorized these transactions but its not true I dont need to remove my hair using laser I am a male
Product: Debt collection

I asked to Cease and Assist the debt with the current Creditor Razor Capital and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is 5 yrs old and I am not working XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
Product: Money transfer, virtual currency, or money service

I sold an XXXX and proceeded to get my money sent through PayPal I never received or was able to use the full amount.
Product: Debt collection

This is the nature of the complaint as written in a letter to Aargon Agency the second collection agency they sent after me. 

The Delinquency Notification sent to me by your office pertains to a medical bill from XXXX XXXX XXXX for an additional {$8800.00} of the original amount of {$16000.00}. I am disputing the additional amount due because it was deemed unreasonable and excessive in the amount charged to me by the provider using XXXX XXXX as an objective review process. The total billed amount was {$16000.00} and the reasonable amount according to the XXXX XXXX review should have been {$3400.00}. 
XXXX XXXX has already been paid {$7500.00} on this bill which is already in excess of the calculated reasonable charges for these services. 

The nature of the dispute is really the excessive charges the hospital charged me. It was a brief exam and imaging. I had fallen at home and hit my head pretty hard. The paramedics came and after evaluating my condition said that it was my decision whether or not to be transported by ambulance to the hospital since there was no one to take me. After I failed to reach my husband or sister by phone then the paramedics said that I no longer had the option to be transported and that they needed to have me transported. I really do not understand what I did or what happened to change their minds. Anyways, I was transported about 2 miles to the closest hospital for an evaluation. Thankfully, I was left with just a XXXX XXXX and a sore head but a HUGE {$20000.00} bill! The hospital bill was evaluated by a third party ( as stated above in the letter to both collection agencies. The third party evaluation showed " reasonable charges '' for a short evaluation and imaging performed was {$3400.00}. The hospital already received ( as stated ) {$7500.00} to determine I was " okay '' after my fall. I did not even need a ibuprofen!
Product: Credit card

A credit card application was submitted on my behalf without my knowledge or consent with Chase Bank for a Saphire Credit Card. I did not provide my social or any of my personal information to anyone. This is fraud.
Product: Vehicle loan or lease

In XX/XX/year> they repossessed my car. I was in contact with the auto loan department and told them I was going through a rough time and I would pay what I could but they wanted over XXXX XXXX. Pay off of my car. Im single and have no public transportation near me. I had to quit the job I love They have caused me a lot of stress and trauma. We all know this is not right. Where did the bank get the money to loan me if they are trillions in debt?
Product: Credit card or prepaid card

I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian. In early XX/XX/2021 I switched credit cards with XXXX XXXX from one card to another, and paid off and closed a visa card with a balance of {$470.00}, with a credit line of {$500.00}. And I opened a card with a {$1500.00} limit ( give or take ) with cash back rewards. In late XXXX or early XXXX both accounts were appearing as open with amounts due on Experian and so I disputed the one with the {$470.00} balance as paid and closed, believing they would just check with XXXX XXXX and report the update. 

Experian reported back that XXXX  XXXX CONFIRMED the balance and open account, which should not be the case although I am having difficulties getting XXXX XXXX to " accept '' that I REALLY DO MEAN IT THAT I DO NOT WANT THAT CARD ANYMORE because they charge an annual fee. It does still appear as an " account '' next to the card that is open, and they remind me that I can " reactivate '' it. 
But in any event I responded today to EXPERIAN, XX/XX/2021 by uploading my closing statement from XXXX  XXXX for the account, showing both the {$500.00} line of credit, the {$0.00} balance due, and the {$0.00} AVAILABLE CREDIT because the account is closed. I uploaded the statement and disputed the account again as paid and closed. 

Experian responded by reinstating the ongoing open account with {$470.00} balance due on my credit report, and updating the current status to XX/XX/2021. Clearly they have not updated it to today based on discussing it with XXXX XXXX, but only based on receiving my credit card statement and new dispute. Has Experian turned a simple misstated account status that was in no way Experian 's fault, into an intentionally false account report, intentionally misreported BY EXPERIAN, based only on my current XXXX  XXXX account statement, which I uploaded to them, and NO COUNTERVAILING EVIDENCE TO THE CONTRARY, as the basis for their CURRENT credit reporting? That's fraudulent reporting and violations the Fair Credit Reporting Act. Experian has taken what was a simple slightly out of date account notation that I was looking to update because I was credit card shopping and turned into an intentional act of XXXX FRAUD by EXPERIAN, just to XXXX with me, by making it appear that as of XX/XX/XXXX, today, XXXX XXXX states I owe them {$470.00} on this account that I paid and closed in early XXXX. So I am angry about it! 

I am trying to buy a car, and now I will have to pay a higher interest rate for FIVE YEARS, because Experian is XXXX with me, apparently out of vindictiveness for disputing this account twice. These couple of credit points of increase will push me into the next highest rating tier.
Product: Credit card or prepaid card

I applied for a Best Buy Credit card on XX/XX/19 and my application was not instantly approved. I had to unfreeze my credit report and perform additional fraud prevention verification with a representative over the phone. My application was approved and I made my purchase and also registered my account for online access. When I received my order, I tired to view my account online to confirm the total charges. The website said it was unable to see my account. I finally get my card in the mail on XXXX and I go online to try to register it to verify my account activity. It prompted me to call customer service. I get to a Fraud representative that informed me that my account is locked for further verification and I failed to respond to their contact attempts. 

Citi never called me, nor did I get any papers in the mail to reach them. She told me I would need the letter I was sent, or get ahold of my other Citi credit cards to get into the account. I explained that I was at work and didnt have access to the cards. She told me I would have to call back and refused to help. She then transferred me to XXXX in Florida with ID # XXXX. XXXX also refused to tell me what was going on, and also told me I would need the other cards. I explained they were in my car and I was unable to get them, but I do know the information she needs. She refused to take that information. She then raised her voice at me and told me to " GO GET YOUR WALLET '' while talking over me. I then told her I did appreciate her being rude and yelling at me - she told me " I am sorry that you feel that way. '' She refused to tell me my payment due date or if I had a payment due. I asked for her supervisor. XXXX told me they would tell me the same information. The new supervisor never apologized for XXXX 's behavior. She did have me verify my bank account information and was able to unlock my account and explained that they thought it was fraudulent. I asked her why XXXX couldn't ask me that - she stated she would have to provide feedback. 

Best Buy and Citi Bank made me feel like a criminal and treated me as if I was committing fraud. They clearly do not value their customers, nor do their Fraud representatives treat their customers with respect. I should not be degraded and yelled at by a CSR when calling to get help on my account. XXXX refused to help me and went out of her way to avoid the established Verification processes set forth by the bank to assist me with my account while her supervisor was able to easily assist. Citi should not also refuse to help me or provide me the information needed about the account that they did additional verification with and approved me for. Lastly, Citi also refused to verbally take a formal corportate escalated complaint via telephone and refused to provide a mailing address or fax number to Best Buy Corporate.
Product: Checking or savings account

Ive been banking with current bank for a few years now, and always had an issue with fees for using ATMs because there were none in my area not even within a XXXX mile radius. They have an ATM finder on their website until the other day my card wouldnt work at the gas station. I ran in and I had to take out money from the ATM and I noticed I shouldve had XXXX fees and I didnt have any come to find out their ATMs are XXXX  ATMs, which are at every other store in my area that did not show up on their map on their website so its a faulty map so all these years Ive been paying all these fees when I couldve just easily gone to the XXXX  ATMs this infuriated me because Ive tried so hard to get all these fees back because I cant afford to pay them and they refuse to give them back now I find out theyve ripped me off and lied to me all these years so now I really want my money back that is false advertising. They have ATMs in my area yet they dont show up on their map when they are literally at every other store, where I live, I cant believe all these years they have been lying and ripping me off that is terrible. I feel totally betrayed. Im going to add XXXX different photos of their map and XXXX different areas in my area of XXXX different places near my home, right in front of an ATM that is supported by them. I have gone out of my way to get extra money to deposit just so I could take money out of the ATM and transfer it from different places. Its been a headache beyond belief I want compensation for this and I also want my money back what a nightmare.ive been in contact with current bank several times through the years regarding these ridiculous fees and they refuse to even listen to me. I brought the issue of there faulty map on there website to them also and they shrugged me off and refused to return my funds.
Product: Prepaid card

Tried to use XXXX XXXX card twice at selected merchant. Both times the card failed. 
Contacted Blackhawk Network and requested a refund. Submitted all requested documents through email on XX/XX/2024. Case number : XXXX. Received no response. 
Reached back out to get a status update on XX/XX/2024 and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XXXX/XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XXXX 2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Product: Checking or savings account

My XXXX  claim of XX/XX/year> in the amount of {$14.00} was denied with reason " XXXX - Document missing expense amount. '' This reimbursement request was for automobile mileage + metro train + parking, as I indicated on the expense report. XXXX instructions specifically say that Optum wants healthcare services receipts, not credit card receipts and Optum has reimbursed me many times in the past for travel expenses when I included the healthcare services receipt to show that I actually had a healthcare appointment on the date for which reimbursement is requested. 

The document that I provided was the healthcare services receipt and, indeed, there was no charge listed on the receipt. There was no charge listed because the healthcare facility does not charge patients for the service that I received. However, it is an entirely legitimate medical service that includes drawing blood, extensive lab analysis and reporting the results to the patient and to the doctor so travel expenses associated with the service should be reimbursed by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 Section 602 A. States I have a right to privacy 15 u.s.c 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX. 

On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me. 

XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement. 

Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them. 

My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail. 

I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.
Product: Student loan

My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.