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

In this  XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.
Product: Credit reporting or other personal consumer reports

Starting XX/XX/XXXX Toyota Financial has been reporting that I am delinquent on my car loan. When I call Toyota they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and Toyota says it is no longer their responsibility because they sent a letter
Product: Debt collection

For the account named above. I never signed a " HIPPA '' release form to share my medical records. According to the " Fair Credit Reporting Act '' this is a violation of my HIPPA Rights. Medical Revenue Services has obtained a copy of my medical records for services on XX/XX/19.
Product: Consumer Loan

In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. 
On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.
Product: Credit card or prepaid card

When I received notice that my AAA Financial Service 's Visa card would soon become AAA XXXX XXXX XXXX card, I thought nothing of it ; that it was merely a name change. Bank of America ( BofA ) funded this card that I had possessed more than 20 years. It had a {$22000.00} line of credit ( XXXX important factors affecting XXXX XXXX! ) XXXX XXXX XXXX  issued AAA XXXX XXXX XXXX, which I perceived as a sale of my debt to XXXX XXXX Bank ( XXXX. ) This sale took form in latter XX/XX/2022 ; the cutoff date for stopping usage of Bof A 's card would be XX/XX/2022. My son, is an authorized user of my account, and a heavy user. I had closed a couple of store credit cards that were issued by XXXX  because the high rate of interest didn't make it conducive to use their card when I had others. So, as the deadline neared I called BofA and requested they close my account and allow my son to payoff the balance which was approximately {$10000.00} at that time. Even though he was current and hadn't experienced late payments that I had been made aware of as primary holder, BofA denied the request. However, they agreed to open another account and transfer the balance of the {$22000.00} credit line to the new card. In addition, the new card offered a 0 % promotional rate for 18 months, but the new rate would be 25.99 %. The new card was mailed to me XX/XX/2022. I immediately called my son and asked him to hold off making charges on the soon-to-be old card until the balance could be transferred from XXXX, saving {$100.00}, XXXX of dollars of interest payments that would decrease the debt 's balance instead of compounding it. In, the meantime, XXXX issued and sent two of their cards with different card numbers-one with my name on it ; the other with my sons. They arrived around XX/XX/2022 ; I delivered my son 's to him and I put mine away because I knew I would never use it I know I am responsible for the debt accumulated by my authorized user if he defaults. This complaint is an attempt to ameliorate the risk. XXXX has placed all of the charges my son has on their card plus some that were charged to BofA 's old card before the cutoff date. My cards ( both new BofA 's and XXXX  's ) were not activated until XX/XX/2022 The closed BofA 's statement can not be requested in order to determine if the correct amounts of Balance of account and remaining Credit lines are transferring to the new BofA account. When I call BofA, XXXX customer care number the XXXX, XXXX account number is the only number asked for! Sounds like the accounts, new BofA 's and XXXX, XXXX, especially mine, XXXX, XXXX number, are linked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : 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 card or prepaid card

My husband, XXXX XXXX XXXX, passed away on XX/XX/2019 ; after his death I found several credit cards in that I did not sign up for - in my name. The credit card 's statements were being sent to one of my husband 's P.O. Boxes and I did not know about the credit cards. 

I have been contacting and informing the credit holders of the accounts fraudulently opened in my name ; in several instances the signature, handwriting, address, and phone number, were not mine, but were all of my late husband. Minimum payments were coming from my husbands accounts so he very well knew about it ; and evidently kept it hidden from me. 

After submitting a claim, Walmart/Synchrony Bank deduced that my husbands signature, address ( P.O. Box ), phone number are all mine, and I was an authorized employee on these accounts. I never knew I worked for my husband. Walmart/Synchrony Bank has now sent one of two accounts I did not open to debt collection.

I wish to petition the Consumer Financial Protection Agencys help in resolving this issue with Walmart/Synchrony Bank ; as their determinations are unjust. These accounts were fraudulently opened in my name, I've never seen the credit cards or statements - until my husband passed away. 

The account details are listed below : Walmart/Synchrony Bank XXXX. XXXX  XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance XXXX {$680.00} Walmart/Synchrony Bank XXXX. XXXX XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance :????
Product: Vehicle loan or lease

During the pandemic I was cut from my job causing me to be late with Chrysler capital. They didnt offer a deferment plan or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the XXXX XXXX XXXX account XXXX. I am going to provide the removal letter as well for my records. Also, I provide my credit report with the XXXX account on my report as well.
Product: Debt collection

Midland sued me to collect debt that was not mine. Failed to prove debt was mine and case was dismissed. They refuse to remove it from my credit report on XXXX. All other reporting bureaus removed it. They have told me over the phone with documentation of dismissal it will be removed, it has been submitted and they still refuse to remove it. It is also too old to continue to be reported but they keep changing the date. 

I was told by re that states manager XXXX XXXX, that even though it is past statute of limitations, and lost in court they will still continue to treat this as a collectible debt, and will continue to do so.
Product: Consumer Loan

On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is XXXX.
Product: Credit reporting or other personal consumer reports

This in regard to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). 
PURSUANT 15 USC 6802 ( B ) I XXXX XXXX, hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. How was this account verified? By who?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax. I am a Identity theft victim. I have attached my Federal Trade Commission Report along with the letter with all the fraudulent accounts on it with my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

XXXX XXXX XXXX XXXX Open Date : XXXXXXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Account Number : Former : XXXX T XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXXXXXX XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX  XXXX 12. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 18. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I had made multiple attempts with Transunion. to remove these fraudulent accounts and yet they have failed to provide me any documentations that my disputes have been received and processed. Every time i tried to communicate with someone on the phone i am transferred to a 3rd party out of the country customer services where there voices are extremely hard to understand. Transunion has not made it any easy on trying to have them remove these fraudulent accounts. 

Transunion is also breaking all the laws by sending me repeatedly letters stating that the dispute is not done by me. These are just excused they are using to prolong the real issue and thats transunion allowing any creditors to post fraudulent accounts on my creidt report that dont belong to me.
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX XXXX XXXX and noticed some things are not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to ensure the maximum possible accuracy of information concerning the individual to whom the report relates. These accounts XXXX XXXX XXXX XXXX }. 

{ XXXX XXXX XXXX } The balance is not reporting correctly, the open date is not correct, and the closed date is not correct. This account is not accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up
Product: Credit card or prepaid card

Followed AMEX directives and tried to resolve goods not received instances with the company in question. I've had a subscription with them for years but they stopped sending in XXXX of this year. I've been trying to resolve since XXXX but tried to give them time to resolve the issues when they just stopped responding to me. Then contacted AMEX as a last resort believing that they help and cover their customers ( and have seen them do so in the past, for example, refunding a co-worker of mine for accidentally booking travel insurance and other charges for an entire YEAR ). Apparently, they only do that for certain customers because I was told that I should have disputed immediately - that my charges were too old and that they could only dispute 60 days worth. I mean - WHAT???? They literally just allowed me to be scammed by telling me when I first tried to open a dispute to resolve it with the company. THEN, when I do that, suddenly my charges are too old to dispute through them. No one told me that, they literally created the situation by telling me to resolve it with the company first. I didn't even have any reason to think the company would do this since I have been receiving a subscription from them since 2014. Zero customer service, zero reliability, AND AMEX scammed me by stating that you need to resolve with the company when you try to open a dispute on your account. NO WHERE does it say there is a time limit for opening this dispute, just that you need to go resolve it with them first. That is the scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to talk to anyone at Experian. 
XXXX XXXX  just results in going into a loop with no options to talk to a person. 
They show that I owe {$510.00} dollars to XXXX XXXX XXXX Acct # XXXX I have a Bank Statement for the Month of XX/XX/2021 that shows I paid them {$520.00}. 
I think there may have been {$10.00} interest or some other extra charge.

I expect that the {$510.00} is probably showing on the other two credit reporting agencies as well.

Credit agencies seem to be making it impossible to talk to them, and when there is a problem like this that hurts ones credit in an unfair way, there ought to be a way to correct it without a major hassle. Isn't it time for the Credit agencies be shaken up and made to SERVE the Public rather than screw everyone over??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, XXXX and Transunion. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card )XXXX XXXX  has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as Transunion and XXXX. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.
Product: Debt collection

I received a letter from XXXX, XXXX, and XXXX regarding an alleged debt that I owed. I sent them a letter on XX/XX/2023 asking them for information, proof, and to dispute the alleged debt. I did not receive a response. I sent a second letter to XXXX, XXXX, and XXXX on XXXX XXXX asking them for information, proof, and to dispute the alleged debt. I again did not receive a response. I then sent letters to all three Credit Bureaus on XXXX XXXX asking them for assistance on verifying this alleged account to see how they verified this information since I was not able to reach them. On the XXXX of XXXX I then received letters from XXXX. XXXX provided statements of an alleged account that I have no idea what it is for. I still did not receive anything other than a bill to see how I was the person who owed this debt. 
Also this account is reporting inaccurately on all three credit bureaus. It is actually listed twice on my credit report as two separate accounts.
Product: Checking or savings account

I am writing to request an investigation be done about this dispute and complaint. I have four unlawful and unauthorized charges that Wells Fargo enacted on my business checking account in XXXX. The four charges are two concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$6400.00} legal order debit to the Florida Department of Revenue. The other two charges are concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$1300.00} legal order debit to the Florida Department of Revenue. All four charges were initiated by Wells Fargo claiming to be under the premise that a legal order that was filed but when checked the clerk of courts has no such order that exists. The only documentation Wells Fargo has provided is a document they received via the Florida Department of Revenue titled notice of freeze. This document does not lawfully extend any authority for Wells Fargo to remove funds without my permission. It is clear they have violated my right to due process. It is my understanding that if Wells Fargo needs to refund my funds immediately.