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

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, 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.

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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit card

I was contacted by a company called points payment management in XX/XX/year>. They offer marketing services to timeshare owners who have extra vacation time to advertise this time to corporation. Their scheme is to charge a timeshare owner a XXXX time fee for this marketing and advertising and guarantee that they will pay up to {$1600.00} per week that is booked by a corporation who wants to use the various locations and times available that timeshare owners have access to. I was charged {$1700.00} on XX/XX/year>. The agreement was that the company would market and advertise my time to these corporations and that if there were no successful offers redeemed, they would continue to market and advertise on my behalf, and that they would eat the cost. None of the offers sent to me were able to be redeemed and in XX/XX/year> they stopped communicating entirely. They refuse to return calls and emails. I could not have known that it would turn into this. I have disputed the charge on the credit card used, issued by Barclays. They did nothing to assist, simply stating that they didnt not receive notification within XXXX statement cycles. There was no reason, within XXXX cycles, for me to dispute the charge, as the company was actively communicating and sending offers. Barclays did nothing to assist. I have filed complaints with the XXXX, FTC, and NYS Attorney General regarding the company XXXX XXXX XXXX. Please assist.
Product: Debt collection

I sent a letter to XXXX  asking for : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail ' so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit card or prepaid card

I received the American Express XXXX XXXX card in XX/XX/XXXX. Part of the promotion was that I would receive a free weekend night certificate to use at any hilton hotel upon payment of the annual fee after holding the card for 1 year. At some point in XXXX Amex had a brand change where they automatically changed all Amex XXXX XXXX cards to Amex XXXX XXXX cards. This rebrand included new terms where consumers now needed to spend over {$15000.00} to receive a free weekend night at a XXXX XXXX. These WERE NOT the conditions to receive the free weekend night when I applied for the XXXX XXXX. 

I have held the ( former ) XXXX XXXX card for over 1 year and paid the annual fee. After repeated attempts to work with Amex to grant me the free weekend night certificate, I have not yet received the certificate. I have acted in good faith and fulfilled all of my obligations under the credit card agreement that I signed up for. I want Amex to honor their obligations and provide me the certificate as promised.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX and Experian has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 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 other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ XXXX, XXXX, and Experian but this company ignored my request.
Product: Debt collection

This should have never happened nor gone to collection. I had talked to XXXX and things were up to date with them.
Product: Debt collection

I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX  To XX/XX/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 please remove these hard inquiries on my report did not authorized this Thanks
Product: Credit reporting

The XXXX and equifax are reporting the XXXX debt more current and its actually a year older
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments. Please conduct a thorough investigation and take the appropriate measures. I insist that the accounts in question rectify this error by removing the late payment remark and updating it to reflect timely payments.
Product: Student loan

Navient has disabled my ability to login into my account online. I wanted to contact them to fix this issue and looked for an email to use. Their contact page only gives you phone numbers to call and no access to the email. It says " To email us, log in and access the Email Us feature in the Help Center. '' This is a sick attempt to force borrowers to have to use the phone. 

I dislike their attempts to force me to call. 

After reading about this issue that others have run into they were told by navient to make a new account. So I tried to register a new account but it brings me to a page that says I can not create a new account with one already existing and has 3 separate buttons to contact them but ALL of the buttons take me to error pages. The only pages in their sitemap not to work for me. 

Yet they still take out automated payments every month from my account. I want to pay a larger lump sum and try to negotiate a settlement over email and they won't even allow me the contact. This is very XXXX behavior.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX BB & T I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX  if you fail to comply with this request.
Product: Credit reporting or other personal consumer reports

XXXX sent status letter to credit reporting to equifax , never received a updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

I am executor of my aunt 's estate. She resided in XXXX, NY and banked at Chase. she died in XX/XX/XXXX, probate was filed and opened in XX/XX/XXXX and I was appointed executor. 

in XX/XX/XXXX, I provided copies of the letters of administration and my aunt 's death certificate to my local branch of Chase Bank as directed to close her account per my duty as executor. When I went to the branch in XX/XX/XXXX to pick up the check for the proceeds of the account, the amount was much lower than I had anticipated. When I asked to see the account statements, the rep showed me statements for XXXX XXXX XXXX showing 15-20 microwithdrawals from non-Chase ATM machines totaling between $ XXXX $ XXXXmonth. Because my aunt died in XX/XX/XXXX, these withdrawals were clearly unauthorized. The branch rep would not give me any other statements, and advised me to call Chase 's Fraud Investigtion services to report this theft. 

I contacted Chase 's fraud services. The rep who I spoke with confirmed that these micro-withdrawals in the same monthly amount went back to XX/XX/XXXX. However, he would not provide me with the statements or report the fraud because he said my name was not on the account and I needed a POA. I explained that I was executor, that Chase had approved my paperwork and that a POA can not be granted by a dead person. He then agreed to submit the report, but when I called back the next day to check the status, I XXXX told the complaint file was closed because of no POA. I asked to escalate to management but was told all I could do was write a letter. 

I reported the theft to the XXXX which is investigating. But without the bank statements, they are limited to investigating only the {$3000.00} on the statements that I was given and not the full {$30000.00} or so stolen. In addition, time is of the essence and Chase 's refusal to investigate interfered with apprehending the perpetrator. Finally, Chase must take responsibility for loss of this money while my aunt 's account was in its care.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Re : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC report.
Product: Debt collection

I contacted UT XXXX about my bill back in late 2020, and I was told that my bill had been paid by insurance and that I didnt owe anything else. Now they are claiming I owe the {$72.00}. I dont believe I owe them this. They cant tell me what service they even gave me while I was there. I dont know what Im being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from Transunion. I will below take a screen shot of the dispute and removed account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been discriminated against for exercising in good faith my rights under the Consumer Credit Protection Act.

I am the victim of false and misleading denial of my own credit.

I would like a listing all of the factors involved in this consumer transaction.
Product: Checking or savings account

I am a XXXX XXXX vereran and current member of the XXXX XXXX XXXX. I have been banking with Navy Federal Credit Union for XXXXour years without issue. This past week Navy Federal Charged me 12 NSF fees of {$29.00}. {$340.00} of fees in less than a week. I emailed them constantly about why I kept being charged with money in the account, I have overdraft protection. They took DAYS to respond to me. They refunded only three of these charges. This has destroyed me financially. The NSF notices never say who the charges are coming from only the amount. They are very very slow to respond to any messages. They are predatory and were already forced to settle a class action lawsuit for predatory overdraft fees.
Product: Credit reporting or other personal consumer reports

There are 2 Kohl 's CC showing up on my credit reports. The Kohl 's CC that was opened in XXXX is mine. The Kohl 's CC opened in XXXX is not mine.
Product: Debt collection

GM financial repo my XXXX XXXX XXXX refuse to accept negotiable instrument due to no lawful money in circulation they sold the debt now want to collect from a 3rd party also my credit has been ruined I was reported to 3 credit bureaus affecting my life and family needs. I am demanding under 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes 18 U.S. Code {$8.00} - Obligation or other security of the United States defined 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Collection Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Repossrting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2020 I downloaded the Belk.com app on my cell phone to make making payments more convenient. When I entered my information the app told me what I entered was invalid. I knew it was not because I use the same information to log into the website both on my phone and on my laptop. I clicked the 'forgot user name/ password ' option and the app asked me for my name and phone number. When I provided JUST my name and phone numnber, the app immediately logged me in and informed me that I have been approved for a Mastercard. I DID NOT apply for a new credit card. 
I am in the middle of refinancing my home and know not to open any new accounts, only pay off what I have. I tried to contact Belk Reward Credit Services at XXXX and the representative I spoke with informed me that I purposefully applied for the account because I would have had to put in a Social Security Number in order to apply. I told the customer service representative I never applied for the card, I already have a Belk credit card, and I do not want another credit card due to my pending mortgage refinance. I told the representative I wanted to cancel the card to which she informed me my credit would be effected negatively again for closing the account. The representative tried to tell me all of the perks of having this new MasterCard version of the Belk card, but I told her I was not interested so I ended the call with no solution. Since I was in the Belk store at that time I found and spoke to a manager in the department store and was told that the Belk MasterCard is pre-programmed to approve current customers without the customers approval or their knowledge until it has already been processed. The manager also informed me that the new Belk MasterCard is  supposed to automatically replace any existing Belk credit cards unless the customer calls in and specifically requests this action not take place. 

The Belk card I currently have can only be used in a Belk department store or on the Belk.com website where as the new Belk MasterCard can not only be used in any Belk department store and Belk.com, but anywhere MasterCard is accepted. I DO NOT want this credit card, I never requested a new card of any kind. This was a very deceitful action made by both Belk and MasterCard to their customers. Other customers also need to be made aware of this issue so this does not happen to others. 

I would like the Belk MasterCard to be taken off my credit entirely and my score restored to what it was before the inquiry, as if it never happened.
Product: Debt collection

consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.