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

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX XXXX XXXX XXXX dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Product: Credit card or prepaid card

There is no way to submit a compliment so I am using this form to reach my bank. I want them to know that my TJX Reward credit card that I had for many years was the most fun credit card I have ever had. It was a bright spot in my life and I looked forward to all the coupons that I would get at the end of the month with which I would plan a little shopping spree at my favorite stores. Cash back is no fun... .it just goes somewhere to pay some bill. TJX or Synchrony Bank was also very good to me in little ways. I liked to keep my credit card limit low because if it were ever stolen the person couldn't go too crazy with voluminous spending. This was unlikely to happen because I kept it in a secure RIFD cover and tied it to my clothes instead of my purse which would be impossible for someone to take. Sometimes, however, I would unknowingly get too close to my limit and have to make a payment quickly. They were very kind to process my payment immediately which no other bank could do or was willing to do. 
I just want Synchrony Bank to know that I miss that part of my life and I am grateful for those years that we were together.
Product: Debt collection

I never received a notice of right to dispute AND This is just another TIMESHARE SCAM! THESE PEOPLE NEED TO BE STOPPED FROM XXXX PEOPLE OFF.
Product: Credit reporting

My daughter signed up on-line with Experian to look at her credit score. I gave her permission to use my credit card for the {$1.00} fee. The credit score was available for 7 days, however, if she did not call to cancel, you would then be automatically signed up for monthly monitoring at a cost of {$21.00}. I saw that charge on my credit card statement and thought it was just for the original credit score look-up. When I saw another charge the next month, I called immediately. Experian said that she did not contact them to cancel, so I was billed. Experian agreed to cancel the service and refund as a courtesy the second charge. They refused to refund the first month charge. I asked them to send me copies of exactly my daughter signed up for and copies of the terms and conditions. Experian said that they could not provide me with any printed documentation of what my daughter signed up for on line and could not provide me with any documentation of the terms and conditions when my daughter signed up.
Product: Checking or savings account

My dad has been sick in the hospital. I haven't been paying much attention to my personal chase.Checking account. I looked at the account and I noticed it was overdraft fees that were applied by chase, which made my account negative. I tried to fix the problem by paying XXXX XXXXIt was XXXX XXXX dollars overdrafted. But I accidentally press {$5.00} and they refuse open my account. I've had this account for over 14 years. I've talked to several employees and they refuse to open my account.
Product: Student loan

Navient sent me an email a few months ago stating that my payments were going to increase. I called them right away and informed them that I could n't afford higher payments. The agent assured me that my payments would remain at {$280.00} for the life of the loan. However, they took out {$370.00} today. I called in and they explained that the arrangement I was in ended in XX/XX/XXXX. I explained that was the reason I called in a few months ago because I knew it was going to end but they assured me that it was suppose to be {$280.00}. I call in and they state that I have to wait until the end of the week and see what they can do for me. This is such an inconvenience and it makes sense why there is a lawsuit against them. The agent stated that I should have received a letter in the mail explaining that my payments would increase, but I never received anything. I am so disgusted with Navient and the kind of service they provide. I have never missed a payment or been late and this is how they treat good customers. Wow!!
Product: Credit card

I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.
Product: Credit card

I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.
Product: Credit reporting

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.
Product: Debt collection

Southwest Mediation Service called about a legal action for unpaid bills from XXXX XXXX XXXX, regarding magazines that were issued but not paid for. the phone # that they called for is XXXX. One of the magazines mentioned was XXXX XXXX  I called them directly and they confirmed that I don't owe them any money.
Product: Checking or savings account

{$2500.00} Chase took money out of my bank ( not Chase ) and tried to put it into Chase.
Product: Debt collection

I received a letter in the XXXX XXXX  on XXXX  the XX/XX/2023 stating I owed {$430.00} to XXXX. The reference number they gave me is XXXX and the account number is XXXX. I check my XXXX account and it show no outstanding balance. I contacted XXXX an confirm this. I believe America Coradius International LLC is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to XXXX fraud department. This whole scenario sound like possible fraud.
Product: Credit reporting or other personal consumer reports

Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR, XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. XXXX the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Experian :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  one  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name EXPERIAN Date of reques t ( s )   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request  ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX Account name  XXXX / XXXX  Date of request  ( s  )  XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s )   XXXX / XXXX / XXXX  Account name  XXXX / XXXX /  XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  EXPERIAN  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /EXPERIAN CONSUMER  XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request  ( s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  2 Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request (  s )    XX/XX/XXXX Account name   XXXX   XXXX   Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (   XXXX   )  XX/XX/XXXX  Account name EXPERIAN Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name EXPERIAN Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX XXXX XXXX showing in which there is no money owed on this account. 

This account has been paid and XXXX XXXX XXXX XXXX owes me money back. 

This account was over paid and have filed with the FTC & CFPB I have enclosed documents showing the money paid as well as the incorrect information that Transunion has on file.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Checking or savings account

I was the victim of a scam by some unknown person who had me contact he or she through their personal phone number ( XXXX ) XXXX on XX/XX/2018. I was trying to buy these shoes from XXXX and I foolishly sent money ( {$270.00} ) to this  person that told me to contact them directly instead of going through XXXX. I sent them money through XXXX XXXX and unfortunately never received these shoes. My bank, Chase bank, said they could do nothing about it since XXXX XXXX is a money transferring service. I dont know who this person as I never got a name from them.
Product: Checking or savings account

This complaint is in addition to complaint # XXXX Wells Fargo sent me a check for {$35.00} for most recent multi-billion dollar settlement stating the check was for 1 or more overdraft fees. I filed a complaint with CFPB reference # XXXX. 
After complaint was filed a representative from Wells Fargo called to try and arbitrarily work out a settlement as I stated that their was a much more substantial amount illegally overdrafts from accounts. The representative stated she only showed 1 account for me even though I have been a customer since XXXX The representative was harsh and unfair towards the consumer and said she would give me time to try and locate additional accounts. Well I have located additional accounts as well as proof of enrollment in overdraft protection so as to not be charged enormous fees Wells Fargo did not uphold the contract and allowed for numerous overdraft fees as well as closing of both savings and deposit accounts in which the IRS as well as XXXX checks were being deposited. Wells Fargo Never transferred the funds from closed accounts as well as opened line of credits on my behalf without extending credits to the consumer. This is unjust discrimination against Native Americans and should be required to reimburse all funds plus interest dating back to XXXX for mishandling of consumer funds and fraudulent activity. 

Accounts are as follows : # XXXX # XXXX # XXXX Account ending in # XXXX # XXXX
Product: Prepaid card

I put complain in for my refund not being refunded after sending product back that is still open through this site # XXXX and on the same day PayPal issued refund that limited my account and I have been calling them every day asking to speak with a supervisor and I have been told that they found another account that was in an XXXX XXXX XXXX not for sure of how to spell. And I asked PayPal to shut down that account before I send my ID in to get services back from being limited access as some has my information and can steal my money so I will wait for supervisor to call me back and you need to close that other account down as it is an fraudulent account open up in my name without my consent or knowledge so I was told again by PayPal ( get and pull all phone recordings ) I was told the back office is investigating the other account I asked did when was this account opened up PayPal said they don't know and I asked when was the last time that other account was used PayPal said they don't know but all this did not start happening until I sent in proof that PayPal lied and said my refund request closed in favor of the merchant because the tracking number was wrong which was a lie PayPal said and told Now PayPal is telling me it is suspicious activity on my account and I AM DEMANDING TO KNOW AND SEE THIS ACTIVITY NOW OF WHAT MY ACCOUNT I HAVE BEEN USING AND JUST LOADED MY LAST {$100.00} ON TO PAY SOME BILLS THAT NOW PayPal is now going to hold my money for ( 120 ) days I NEED MY MONEY NOW THIS IS Violating my rights PAYPAL has no right to do this Show me the suspicious activity and release my MONEY NOW as PayPal have closed my account without telling me nothing and now want to hold my money for 120 days why I will be filing an lawsuit against PayPal I am demanding the address of the register agent to see lawsuit this will be filed in federal court and I am demanding proof of what did I do the real interest of the party Paypal is making me late on my bills by holding my money without a cause I put in another request to have an supervisor call me as PayPal is not telling me what is going on that is my right to know what is going on and paypal is and has caused harm to me I will be taking this matter to court as PayPal has caused harm and damages and I the real party of interest is demanding Redress for PayPal under called actions they have taken against me XXXX XXXX XXXX. Number # XXXX and New Ref. Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Product: Checking or savings account

After depositing 5 checks into the Navy Federal Credit Union Accounts... 

1 XXXX 2 XXXX 3 XXXX 4 XXXX 5 XXXX The bank is totally mislead... 

My retirement from XXXX is due to deposit on XX/XX/22 Is pending and the Navy Federal Credit Union replied that... Some guy... ( who doesn't exist will continue the access of my online account ant my access via my dell.. 

If your office can apply necessary action... reconnect the account with my XXXX XXXX account... 

Your proffessionalism would be greatly appreciated...
Product: Debt collection

In XX/XX/2015, I closed my business because I was selling my XXXX. I had called the XXXX branch of PNC bank to let them know that I was going out of business and asked if my daughter could close the account for me since I was going for XXXX  XXXX. They said I had to come in. Several days after my XXXX, my daughter brought me to the bank in XXXX to close the account. The girl in the office who could have been XXXX or one of her associates, said that they would be closed as soon as the last check came in. This obviously never happened! Someone didnt do their job! I have received a notice early on and was told it was a mistake. Over the years, I have told PNC Bank that I dont owe anything and I want them to stop calling me! They called me XXXX at night and harassing me! I finally asked my daughter to take over and talk with them because I was becoming ill and having XXXX XXXX. My daughter worked with them and found as many records and she could and brought them to the bank in XXXX, for them to do an investigation. To date, they have not given me any answers but continuously ask me other questions about names and dates I can not remember. My daughter called and told them to send our records back and that we are going to file a complaint.
Product: Debt collection

I have been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX 
XXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents.