23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting 4 fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX XXXX accounts and one Pentagon Federal Credit Union account all 4 with balances reporting on my credit. I did not authorize nor did I open these accounts.The three XXXX accounts are reflecting past due balances for a total of {$1900.00} and Pentagon Federal Credit Union is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with XXXX or Pentagon Federal Credit Union. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three XXXX  accounts as well as the Pentagon Federal Credit Union account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted Pentagon Federal Credit Union and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All four accounts, 3 XXXX accounts and 1 Pentagon Federal Credit union account do not belong to me and should be closed and reported as fraudulent.
Product: Checking or savings account

Hello. I opened a checking account at HSBC using a promotion. My account number is XXXX. 

I am supposed to receive a {$450.00} sign on bonus after I direct deposit a total of {$5000.00} in 3 months. The bank is denying the bonus claiming that {$5000.00} needs to be deposited each months. I am attaching supporting documentation. 

1. Copy of promotion that I received is attached ( name of the attached file is HSBC Promotion received.pdf ). Highlighted area on pager 3 states that a total of {$5000.00} needs to be deposited. It does not say that it needs to be deposited each month. For reference, I include a current HSBC promotion that clearly states that {$5000.00} needs to be deposited each month. Clearly, HSBC recognized an oversight and corrected it. 

2. Attached is copy of my bank ledger showing deposits, {$1500.00} each 2 weeks for the total of {$9000.00} for three months. 

I contacted HSBC a few times and it appears that they are confusing current promotion with the promotion I received. My HSBC case # XXXX. 

I would like HSBC to honor the promotion I received and deposit {$450.00} into my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting personal information even though I had requested and filed a complaint to remove these inaccurate addresses that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License, SS CARD and a copy of your inaccurate credit report to this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against BMW Financial Services because they have violated my consumer rights. BMW Financial Services did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). I told BMW Financial Services that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. I have never signed any agreement allowing v to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, BMW Financial Services only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. I have instructed BMW Financial Services to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. BMW Financial Services actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had signed up with XXXX XXXX credit repair services on XX/XX/2018. I had given them from XX/XX/2018 until XXXX and to see if they had done anything for me. They had stated false claims on each and every telephone call. I had felt that I was being strung along just for them to keep collecting money from me for services not preformed. I do believe that giving them a total of four months was more than a fair amount of time. I had called to cancel and I was hung up on a total of three times. The fourth phone call I was finally able to talk with a person that had said they would send me an email conformation stating that I had cancelled my services on XX/XX/2018. I have not received this email as of yet. They had immediately charged my credit card as I was on the phone with them. I was using the home telephone and my mobile phone showed an alert from my bank that my credit card was charged {$72.00} dollars. I was paying {$89.00} per month for their services that were not rendered. So I am assuming that this {$72.00} was a prorated charge. The person I had spoken to on the phone attempted to entice me to move up to their higher level of service. That being {$100.00} and XXXX even though I had explained to them that I was cancelling service due to a financial hardship. They then had went onto stating that I could then receive the same level of service for a much lower cost. They told me that I could have the {$89.00} service level for {$24.00} per month with all the same exact features and level of service would remain the same. I felt robbed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with Experian but they did not remove the account. Experian has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, Experian must remove the account from my credit report. Note that other reporting agencies such as XXXX  has removed this account.
Product: Credit card or prepaid card

A credit was issued to my Credit Card by XXXX for a subscription, I cancelled. To give a little background information, on XX/XX/2020 I tried a trial offer for XXXX XXXX XXXX. However, I cancelled it on the same day. When I contacted XXXX, they said that I was responsible because of a previous trial I accepted in the past. Thus, {$64.00} was charged to my Capital One Account on XX/XX/2020 and I paid that amount. However, on XX/XX/2020, I was charged again for {$64.00}. I wrote an email to XXXX and spoke with Capital One regarding this matter. XXXX responded to my email stating that an credit had been issued to my Capital One account. Capital One told me that I would not be charged by this merchant again in the future. When I saw the amount on my XX/XX/2020 and XX/XX/2020 statements, I called Capital One ; they said that the charge was not fraud and that they never received a credit from XXXX regarding the XX/XX/2020 charge and that I am responsible to pay the amount. On XX/XX/2020, I spoke with a manager at Capital One and he said that I was responsible for the bill and there was nothing that Capital One could do.
Product: Student loan

I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. I previously sent certified mail requesting verification and validation of this account ; however, I have not received any response or documentation from your agency. 

I am now formally requesting clarification regarding the ownership of this account, as it appears to be pursued under different names, moving from primary ownership to trust and now to XXXX. This raises significant concerns about the legitimacy of your collection efforts and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I also request validation and a detailed description of the procedures used in your investigations along the documents completed after the investigation. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send me this documentation within 15 days. If you are unable to provide the necessary verification, I expect the account to be deleted from my credit report. 

I urge you to address this matter as soon as possible and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.
Product: Credit reporting or other personal consumer reports

These are the accounts opened on my XXXX XXXX XXXX and Equifax account which are incorrect. I did not open those accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened : XX/XX/XXXX Balance {$2000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX Date opened : XX/XX/XXXX Balance {$660.00} XXXX. XXXX XXXX XXXX MERCHANDISE XXXX XXXX XXXX, IL XXXX Date opened : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$950.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$6300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX Date opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX Balance {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance {$3400.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX XXXX, FL XXXX Date opened : XX/XX/XXXX Balance {$220.00} XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MN XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX opened : XX/XX/XXXX Balance : {$670.00} Address incorrect : XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers incorrect XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.
Product: Credit card

On XXXX2024 I was charged a {$900.00} dollar interest fee on a store card provided by XXXX XXXXSYNCHRONY BANK. The Account was closed by SYNCHRONY BANK without my consent or knowledge. I continued making monthly payments on the balance {$1000.00} as of XXXX24, however when I called to pay the XXXX bill it had escalated an additional {$900.00}. I have never been charged a high interest amount from SYNCHRONY BANK before, this particular affiliation with this store XXXX located in XXXX NC is where the issue is, and which merchant handles SYNCHRONY BANK ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XXXX XXXX and I noticed inquires I do not recognize. Additionally, I also noticed personal information that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called all 3 credit bureaus ( XXXX, equifax, XXXX ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Product: Money transfer, virtual currency, or money service

I had direct deposit for an account with checks that were supposed to be direct deposited. I was told to close this account back in XXXX by Wells Fargo because of suspicious fraud transactions. If I reopened a new acc. Will it disrupt my current deposits an will they be transferred to a new account. Wells Fargo assured me that absolutely everything will continue! I still havent been able to get any deposits since then. On XXXX a deposit of {$5500.00} had went into a closing account but Wells fargo failed to notify me, an failed rerouting to my new account. Even tho In Wells Fargo disclosures state the first 90 days Wells Fargo is responsible for anything for any transactions relating to direct deposited or issuing a check in the amount for a closing account. Ive been trying since to have Wells Fargo rectify the situation. Wells Fargo then tells me that now I have to contact the issuing company to have payment reissued. In doing just that they say to contact the bank and go around and around since. I was told to go down to the branch that opened the new account in doing so I had the Wells Fargo banker say, oops my bad I made the wrong account by accident and i was told to call Wells Fargo again an email them to have then fix it. In doing so, Most Wells Fargo employees had actually never even read their own disclosure 98 % of them had no clue about anything. Wells Fargo would just have me transfer to another employee and then at the end just tell me to go to the branch after being on the phone for 3-4 hrs every time. I have gone through all the steps and still havent received a phone call back. An each time I have to explain the situation again and again! As if Wells fargo doesnt evn have a clue about whats going on.
Product: Prepaid card

XX/XX/year> i went to my normal check cashing olace to cash my check and to put the cash on my western union pre pay card as i always have i reloaded around {$1200.00} from my cashed check to my western union card after the agent electronically put it on my card only {$300.00} was deposited but the {$900.00} was not deposited they give me the run around saying the reload for the {$900.00} was rejected saying they have a new policy that no more than {$950.00} can be reloaded per day ... long story short they have not refunded my {$900.00} dollars the y give me the run around saying netspend who is also western union did not return my {$900.00} back to western union but western union say they did not receive it from nestspend they are pointing fingers at each other even though they have admitted that my {$900.00} is in the system they have the mtc ( money transfer control ) number and so do i and the agent that sent it... it has been 9 days that they have my money they keep saying the accounting department has to review it they have the mtc to prove it is my money
Product: Credit reporting, credit repair services, or other personal consumer reports

America First Credit Union is reporting a late on my credit file and it must be removed. I recently checked my credit and noticed that America First Credit Union was reporting lates on a couple accounts when I was never late. For the months of XXXX, XXXX, and XXXX of 2019 I had made payments online. I had a few issues but didn't think anything of it as it said my payment had been received. Well at that time I looked at my credit and noticed these lates and called immediately to make sure my payment went through. The representative I talked told me that the payment had processed and I was good to go. However, I got another late and called because I was so confused. Apparently my payments did not process like I was told and I paid it off but I was under the impression that this current! This is not my fault, I did what I was supposed to do and I was never notified or called about these late payments. I need them to remove them from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX  ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. Also, on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm contacting you to report that the following accounts and inquiries are not mine and I have been a victim of identity theft. I have listed on a separate document that I will upload all of the accounts reported that do not belong to me. I need these accounts deleted from my report as soon as possible because I am not responsible for these charges. I reported the identity theft to the Federal Trade Commission FTC and have copies of the FTC Affidavit and they need to be deleted IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In 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 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 XXXX XXXX XXXX. 
has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.