23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?
Product: Bank account or service

I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.
Product: Debt collection

I have disputed the amount this company is trying to collect. I. Q. Data is reporting the same debt twice on my credit report with XXXX different amounts owed. I sent them a certified debt validation letter which they refused to investigate. If they can not satisfactory validate this debt, I demand they remove these collections from my credit file.
Product: Credit card or prepaid card

I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I made a mobile check deposit for my daughter in the amount of XXXX via cashiers check payable from my mothers account via XXXX XXXXXXXX XXXX to her ( her being XXXX ) endorsed to me ( her mother ). 

There was a ten day hold placed on the check. Standard with new accounts which was fine. 

I went into the branch later in the week to withdraw funds I deposited via a money order that same day and was told my account was restricted. 

I spoke with the department in charge and was told that they no longer have a way to verify information with XXXX  XXXX XXXX so i needed to verify that I was the intended payee of the check. I explained that I was instructed as her mother to be within my legal rights to deposit for her. They then informed me that they had no information on my daughter, of course, and that my daughter needed a phone number that would pass verification through XXXX XXXX before they would release the funds or else they would close my account in 10 days. I offered to bring my daughter in with school id and was told that would not be acceptable. The rep on the phone then followed up by saying to unrestrict my account completely I would need her birth certificate, a copy of her social security card, a current photo of her, AND a phone in her name. 

My daughter is XXXX XXXX XXXX, she is not able to obtain her own phone credit line. I personally feel this to be a violation of my daughters privacy rights. As she is a minor. I do not see why her being present is not acceptable. 

All of my funds are being held & my account will be closed within XXXX hours if this is not resolved amicably. They have not even provided a written notice giving reason for the restriction I do not even wish to bank with chase at this point
Product: Debt or credit management

I have issues with Freedom Relief debt settlement. I terminated my program with them and requested a refund. It has been XXXX days, and I have not yet received it. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report from XXXX XXXX. I've reached out to the creditor to request validation of them sending me my statement 21 days before the due date and they have not responded. I have also reached out to the credit reporting agencies to have late payment removed as I have not given any instructions to furnish this information on my credit profile. It has been months and they have not responded. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC s 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX XXXX. 

Subject : Opt-Out Request for Sharing and Selling of Personal Information Dear Evolution Financial, I am writing to formally request that you cease the sharing and selling of my personal information and data to any third parties. I understand that under various privacy laws, I have the right to opt out of such activities and protect my personal information from being disclosed without my consent. 

Please consider this letter as my official request to opt out of any and all sharing and selling of my personal information. I do not authorize XXXX XXXX to disclose or sell my data to any companies or individuals. 

I would appreciate written confirmation that my request has been processed and that my personal information will no longer be shared or sold. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX Account XXXX : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Vehicle loan or lease

I lost my job In XXXX of 2019 and could not make payments due to a Financial Hardship on my Toyota Financial Account. 
a total of 8 payments were missed ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the year 2019 ). 
Repossession of the vehicle occurred which resulted in me paying the past due amount to regain possession of the vehicle. 
I was told by a Toyota Financial Representative that if I had paid the amount in full to get the vehicle back my credit will not be affected as in Late Payments. 
I can not qualify for a home loan because of negative payments and or reporting reflecting on my FICO Score.
Product: Credit card

Recently, I discovered that an individual residing in my home, XXXX XXXX XXXX, has illegally obtained my personal information and used it to apply for a credit card without my authorization. The details of the fraudulent activity are as follows : Name of Fraudulent Applicant : XXXX XXXX XXXX Credit Card Applied for Capital One credit card Date of Application : XX/XX/2022 & XX/XX/2022 total amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a Chargeoff on my report however this is incorrect additionally I have never received information about this balance. The car was returned directly to them and I was told I was fine and didnt owe anything when I returned the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It's been well over XXXX days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, XXXX have XXXX days to respond to my dispute. 

This violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting

XXXX XXXX XXXX XXXX is reporting my auto loan that was never late and paid off in full as " inc in bankruptcy '' to Trans Union. This account was NEVER included in the bk that was discharged in 2006. I re-affirmed my vehicle choosing NOT to include in the bk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to file a dispute with a creditor via Transunion, so I called them for assistance. I was told that I have to file a dispute directly on the Transunion website, so the representative helped me establish an account. During the last step of the sign up process I was prompted for my credit card number, and verified with the representative that I wasn't going to be billed for any service. The representative told me that I was only being asked for my credit card information so my address with my bank could be verified with the address I provided them. I finished setting up my account with Transunion online and filed the dispute with the creditor after the representative disconnected, but was billed {$24.00} for setting up my account. 

I've called them several times, and every time I manage to get in touch with a representative they end up saying they're going to transfer me to billing and end up transferring me back to the automated service.
Product: Payday loan, title loan, or personal loan

I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. 
On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had four late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Debt collection

On  XXXX / XXXX / 16 , I had a   XXXX   XXXX   XXXX   XXXX   XXXX   and was billed {$210.00} from  XXXX   XXXX   XXXX   XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from  Transworld Systems Inc. Collection Agency on beha lf of  XXXX   XXXX   XXXX   XXXX  for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.
Product: Checking or savings account

Navy Federal Credit Union XXXXXXXX XXXX Checking Account # XXXX XXXX Federal allow XXXX different charges to go through with no funds in my account first XXXX was {$680.00} done around XXXX XXXX which was wrong so they adjusted it to {$300.00} I had no Job at the time so I told them once I did I would take care of the balance and when I was going to take care of it they did it again another for {$1400.00} XXXX XXXX both from XXXXXXXX XXXXXXXX XXXX When I got the Notification I disputed right away I never authorized either charge told my bank this. It was a business account to XXXX XXXX XXXX XXXX XXXX XXXX They expected me to pay this balance even though their were no funds and my account was already in the negative for the {$300.00}. 

I have seen that this is what they do to people like me and it needs to be rectified I just want my account back. 

XXXX My Business Line
Product: Credit reporting or other personal consumer reports

These are not my accounts, I need these removed. If the bureau doesn't comply with this request I want to be included in the lawsuit against them. This is unacceptable.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us, and continues to send us mail. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed them and their debt collection agency, Midland Credit Management, of this over certified mail multiple times. In the most recent complaint response, the firm did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our cease and desist to Midland Credit Management.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to the provisions of 15 USC XXXX ( a ) and FCRA XXXX ( b ). I am a victim of identity theft as a result of a data breach, and I have identified several fraudulent items on my credit file that I did not authorize. 
The details of the fraudulent accounts are as follows : XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$120.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$180.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$600.00} XXXX. Creditor Name : AFFIRM XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} The details of the fraudulent inquiries are as follows : XXXX. Creditor Name : XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : GLS o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX o Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I contracted covid XXXX while working as a XXXX with XXXX XXXX XXXX. I was seen in the XXXX  at XXXX in XXXX of XXXX. I was diagnosed XXXX  day later by my primary care provider and was off work from XXXX of XXXX  until late XXXX XXXX of XXXX  due to severe XXXX  issues. I was required to have an echocardiogram done to return to work. This is the bill for that echo which should have been covered under workmans comp. However, XXXX took the stance of cant prove you caught covid while working so Covid, according to XXXX was not covered. I contacted the Arkansas XXXX XXXX XXXX and filed a complaint as initiated to have the fee removed. I have spoke with the collection agency stating the amount should have been covered by the company I worked for which is the same company there performed the medical exam. I have had no luck to gain a resolution of having this amount removed from my credit report. I offered to make payments to XXXX at the time but they stated the would not take {$25.00} a month payments and would take it out of your check in XXXX payments as I still worked for the company. Once they refused my payment offered I tried to get it covered under workmans comp. I wont be bullied into paying for this when XXXX should have been responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are blocking me from getting my report and I do n't know why. And I have many hard inquiries from  XXXX  /  XXXX    XXXX   XXXX    XXXX  without my consent.
Product: Vehicle loan or lease

Lexus financial sold me a protection product for tire and wheel and hail damage while signing a loan doc. And they never mention anything about i need to file a claim within 30 days from the loss date. And when I call and try to file a claim I got denied and was told you should have read the contract, but I was never given the contract nor was told about the 30 days requirement when signing the protection agreement. When I send my car to their shop to get it repair. They told me again. Just file it after the car is fixed. They are very misleading and frauded their customers. All they care is all about selling products.
Product: Prepaid card

I received a Vanilla gift card with a balance of {$500.00}. I have been unable to use this card since receiving it in late XXXX as the 3 digit security code had been scratched off. My understanding is that is a typical scam and others are currently suing regarding this issue and the lack of protections. 

I started a claim through their process on XX/XX/2024. I was told by customer service to send in all relevant documentation available which I did on XX/XX/2024. I instructed the customer service agent that I did not have a receipt ( as it was a gift ) and they told me that would be fine so long as I submitted everything else ( ID, Visa Card, and packaging ). I was told to wait 30 days. 

After 30 days of no update I called again in early XXXX. It was " escalated '' and I would receive an update within 7 days. 

After more than 3 weeks I called again. I was told it would be " escalated '' again and I'd receive a response within 45-90 days. 

I just want my funds. I have wasted countless hours trying to navigate their customer service phone tree and calling them back time and time again.