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

In accordance with the Fair Credit Reporting Act Key XXXX XXXX XXXX ( in the amount of {$3000.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act First Federal Credit Control ( in the amount of {$220.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 an account without my written instructions.
Product: Checking or savings account

I had {$800.00} taken by Huntington bank from my XXXX XXXX account using a debit card that was issued by Huntington bank but frozen and not able to be used by me sin e they closed all of my accounts with Huntington bank. I have showed them proof that XXXX XXXX XXXX has sent me my bank statement showing the withdrawal from my account on to my debit card thst wasn't any good anymore and a statement from. XXXX XXXX XXXX which states thst it was XXXX that demanded the cash from XXXX XXXX transferred over to XXXX
Product: Credit card or prepaid card

This complaint is a follow up to 2 previous complaints ( XXXX and XXXX ). 
Ive done my best to try to resolve my issue with American Express Serve. My last effort was to speak to law enforcement about how to solve this kind of crime. I am asking the investigators from American Express Serve to go back to the 2 XXXX restaurants to get video of the 2 days the money was taken from my account. I would like for them to try to identify the person or persons who used my card number to take money from my account. I didnt give anyone permission to use my card, nor did I give anyone my pin. The card has always been in my possession.Law enforcement also described a device called a skimmer that thieves use to copy card information and PIN numbers.They also showed me a camera that can be attached to an ATM to steal information from cards. I would like American Express to take into consideration that any of these devices could have been used to get my information.So far, American Express has not really given me reason to not return my money. They just say that based on their investigation, the transactions in question were authorized. I say how did they investigate, and what did they find out? Please tell me how you determined the transactions were authorized! I dont have any further documentation to submit. Ive submitted all dates and amounts of the funds that were stolen.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX  These accounts need to removed. 
I sent XXXX, Transunion and XXXX a letter opting out of all Authorizations I may have given them. I gave them time and they have not complied. They are in violation. 

Attached below is the letter sent
Product: Credit card or prepaid card

On XX/XX/2021, due to a massive last-minute airline-perpetrated disruption of my flight that was beyond my control, I cancelled the flight to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX , booked with my Chase Sapphire XXXX XXXX XXXX Upon calling the credit card company, I was advised to file a claim in order to receive a refund for the nonrefundable expenses associated with this trip -- one of the purported benefits of this card. 

I filed Claim # XXXX with eclaimsline.com ( as instructed by Chase ) on XX/XX/XXXX. I submitted appropriate documentation of the nonrefundable expenses I was seeking reimbursement for and updated my case when I received a refund from the airline and the rental car company. My stay at the XXXX XXXX XXXX, however, remains nonrefundable and I continue to seek reimbursement for this. I submitted an email from the XXXX XXXX XXXX confirming both my same-day cancellation and their policy regarding this cancellation, indicating that I would be billed for the entirety of my stay. Weeks dragged on, and I have received numerous emails from the XXXX XXXX XXXX XXXX citing insufficient documentation of this nonrefundable expense. I resubmitted the XXXX XXXX XXXX, originally sent as an attachment with the original claim, by forwarding it to XXXX. 

Although this email -- an acceptable format for documentation, according to the XXXX XXXX XXXX XXXX -- conveys all the required information, they continue to insist it does not and I find myself in a perpetual stalemate with them. I can only conclude, in light of this, that either no one handling this claim is literate, or -- more likely -- they are rendering this process unnecessarily antagonistic and user-hostile so as to avoid paying out this claim for a nonrefundable travel expense Chase purports to offer reimbursement for to its Chase Sapphire XXXX XXXX XXXX 

In light of this unacceptable customer service ( and a slew of other ordeals involving this credit card ), I have subsequently closed the account, but I continue to seek reimbursement for my cancelled stay at the XXXX XXXX XXXX in the amount of {$980.00}, booked with my Chase Sapphire XXXX card. I can supply the same unequivocal documentation supporting this claim to you as I did to the XXXX XXXX Claims XXXX. 

Thank you, XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Equifax Credit Report on XXXX XXXX and noticed things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are supposed to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Velocity investment LLC trying to collect on a wrong debt. The debt is suppose to be {$8200.00} and they are reporting on {$13000.00} and I wrote them letters for deletion! They failed to do so.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used XXXX to transfer XXXX dollars from my US account to my account in The XXXX ( XXXX ). Because there was a lack of funds in my US account, there was a chargeback that occurred after the transfer was completed. This left me owing XXXX XXXX dollars but I did not notice it. 

On XXXX, I noticed the amount owed from the transfer and contacted XXXX 's customer service line. The agent explained to me the situation. I asked if I could use my XXXX account to pay the XXXX dollars in Eur. The agent told me that this was not possible. I explained that I had to move a large amount of money from my XXXX account to my US account to service a US-based debt, with a payment date of XXXX, not related to this transaction. I asked the agent if I could transfer XXXX Eur from my XXXX account to my US account using their service then pay them in dollars. She stated that this would be an acceptable way of paying. I initiated the transfer on XXXX. 

I was then contacted by their debt collections team on XXXX stating that the transfer had been placed on hold due to the outstanding debt that I owed them. I attempted to contact their team via their customer service chat. Each day I was told that they could not contact the team directly and I had to wait for them to process my complaint. On XX/XX/XXXX I was contacted via email from their debt department stating they could take the XXXX dollars in equivalent Eur from the transfer. I contacted their customer service team stating that this was fine however I needed the transfer expedited as I was already past due on my US-based loan. I did not hear from them until XX/XX/XXXX stating that I needed to create an additional transfer request in the amount of XXXX Eur. on XX/XX/XXXX I contacted the customer support team as I was going to be charged an additional XXXX Eur in transfer fees from doing it this way. The agent stonewalled me and stated that they didn't have any answers for me. I requested to speak with a higher-up customer support manager but was denied. 

I understand that the original issue was because of me. However, due to XXXX XXXX customer service agent 's incorrect information, this transfer was placed on hold and I am now overdue on my loan. I have incurred additional financial harm via late fees and now an additional XXXX Eur in additional transfer fees due to their customer service agent 's incorrect information.
Product: Debt collection

XX/XX/XXXX, Navy Federal Credit Union was notified by phone of my desire to rescind the alleged debt. In XXXX my desire to rescind the consumer credit transaction was faxed to Navy Federal 's dispute office. 

I asked for this consumer credit transaction to rescinded pursuant 15 USC 1635 of the Truth in Lending Act. My request has been denied numerous times by Navy Federal Credit Union without explanation. 

Navy Federal Credit Union has never responded to my affidavits in regards too this alleged account. 

Navy Federal has mailed 4 promissory notes that do not hold my wet signature. Those promissory note were mailed to me the natural person after I request debt validation pursuant 15 USC 1692g I demand Navy Federal Credit Union produce the actual promissory note or remove themselves from all consumer reports, and zero out my balance while removing all negative remarks form my consumer reports immediately. 

Navy Federal is attempting to ruin my credit, by refusing my request to rescind this transaction. NFCU I demand a copy of the promissory note. 

As a debt collector NFCU is attempting to violate 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ).
Product: Checking or savings account

On XX/XX/24 I tried to make a purchase and my Chase debit card was declined. After checking my online account I saw that unauthorized charge was made on my account in the amount of XXXX by XXXX XXXX. I called the bank immediately to advise this was a fraudulent charge at that time the funds were put back into my account. On XX/XX/24 my account became overdrawn after checking why Chase decided to reverse charges from my fraudulent claim stating after review of transaction they found that my card was used with pin and they decided I owe the money. I advised numerous times that we did not make this purchase, the merchant in question does not exist I could not find any information online about this merchant to call and dispute directly with them. I asked Chase did they have any other details they could provide me about purchase, about the merchant to help me get my money back and each time they refused to provide any assistance. All they want to do is tell me I made the charge. Finally I spoke to a manager by the name of XXXX, during our conversation she told me that at the time of the so called purchase they attempted using sliding the card over 8 times before being successful. At no time has Chase send any alerts to warn me of this purchase, nor did they block all the attempts from a unknown merchant or even my card being slide over and over. While speaking with XXXX she decided to help me remove a lot of digital wallets that my card was stored in, stated she will try to push this claim along again to have it looked at again considering the information she saw where the card was being used or how many attempts was made during transaction. My problem is, at the time she found this information the money should have been put back into my account immediately, which I still have a negative balance as of today which will start to accrue fees, my money was stolen from me and Chase is holding me responsible each representative I spoke with kept accusing me of making purchase or i allowed someone to use my card etc. I would like for chase to give me my funds and remove any associated fees, I have never had any problems in the past like this, I have never used XXXX XXXX  and never had any issues being overdrawn while being a customer with Chase and that alone should speak volumes. At this point they are calling me a liar, after speaking with XXXX it's clear that the merchant doesn't exist, and the amount of attempts made on this transaction Chase failed to protect me and now they refuse to help me.
Product: Credit reporting or other personal consumer reports

Im noticing that youre furnishing an alleged debt that I have noknowledge of. I hereby am disputing this debt and requesting proof of this alleged debt according to 15 usc 1692g this account is severely effecting my credit score negatively and impacting me from receiving new credit products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX XXXX and TransUnion onXXXX XXXXXXXX XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Debt collection

I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Product: Debt collection

Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative. 

Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit. 
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't. 
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you. 
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them. 

I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated. 

Thank you
Product: Debt collection

Re : XXXX I currently have a car loan with Honda Financial that is currently due on the XXXX of every month. If I go one day beyond the due date they will call my house from 20 to 50 times a week. I have even made a promise when they can expect to get the payment and the automated still continues to call me. 

I have asked the representative to not contact me at phone at all. I have asked to only be contacted by mail several times and they continue to call me. Today again the rep told me she would remove me from automatic calls but I will continue to get calls. 

I do not want any calls from this company to my cell phone, home phone or my kids phones. I will continue to make my payment until the car is paid. But they need to respect my request. 


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

I did not give Equifax Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still showing a charged off amount of {$2200.00}. The total owed to XXXX was {$1100.00} and was paid at the store ( see uploaded receipt. ) According to 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

I have uploaded proof of contract that the amount of the loan is {$1100.00}, the store receipt showing that the subtotal of the purchase was {$2200.00} and {$1800.00} was paid at the store. The balance after payment was {$590.00} owed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a loan application email of a credit card company, I filled out the application but at last second I decided dropping off the application, and I didn't submitted it at all. But I don't know why the credit card company ACHed the loan to my bank account. I at once contacted loan department of the credit card company asking them to take the loan money back. And the following day they took back exactly the loan amount they had sent to my account. I thought the whole thing was over but it is not. the loan department of credit card company ACHED my bank account {$300.00} on monthly basis and I immediately contacted them to stop taking my bank money illegally out of my bank account. The loan department of credit card company said " they took back all the money they had sent to me, '' " it is because I want them to, '' " But the loan still in effective though I don't receive any money. '' And they also said the loan term is not 60 months any more. it is indefinitely. 

I contacted my bank stop paying them every month but the loan department of the credit card company don't care at all. And still ACH my bank account every month. Please stop them swindling people 's money.
Product: Debt collection

XXXX XXXX XXXX has recently transferred the debt to another debt collection agency XXXX XXXX and XXXX and failed to report this to the credit bureaus. they also failed to respond to my request for debt validation. XXXX, XXXX, and XXXX failed to give notice of how dispute was verified.