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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXccount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

Kay Jewelers are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Prepaid card

I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....
Product: Credit reporting or other personal consumer reports

XXXX is showing a a duplicate inquiry on XX/XX/XXXX and XX/XX/XXXX. There should only be the first inquiry on XX/XX/XXXX. 


Also VW credit is showing on my account and that account does not belong to me. That account belonged to my sister XXXX XXXX who signed for that vehicle & was responsible for the payment. In addition, that account is old & was opened in XXXX.
Product: Credit card or prepaid card

Called CapitalOne today and spoke with a Rep name XXXX ID # XXXX and asked for any proof that this is my account. Stated that I need to fill out another fraud form ( which I have done on three different times over the 4years been dealing with these issues. In their last letter which I have attached stated that they investigated, ( The contact information used to open the account ( listed below ), has been linked to you by public records : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) Which I never lived there and never had this phone number.
Product: Mortgage

In the process of obtaining a mortgage through NAVY FEDERAL CREDIT UNION. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. 

On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either NFCU or XXXX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Product: Bank account or service

my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX  XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
Product: Debt collection

PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO CREDIT REPORT.
Product: Mortgage

I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.
Product: Debt collection

I recently review my credit report and noticed that this account does not belong to me.
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 crime
s 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency Name ] TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 605B Dispute of Fraudulent Information Dear Representative I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and should be removed from my credit report immediately.

1. Creditors Name : XXXX XXXX. Account Number : XXXX according to FCRA section 605B its is illegal to report information on the consumer report without permission from the consumer. Can you please remove this negative information. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 
This account was removed from other credit agencies please removed this account Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX  accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.
Product: Credit card or prepaid card

I had my federal tax refund added to the American Express Serve card through XXXX XXXX website. They said it was faster and easier, in addition I felt more comfortable having a card sent to me than putting my banking information on a website. I was supposed to receive the card on XX/XX/2019 however I never received it. 

I received my federal refund to my Serve account on XX/XX/2019 and called to see where my card was. At that point I was informed that I should wait longer as USPS can be delayed. I spoke to a rep for 5 min 33 sec. I called again XX/XX/XXXX and spoke to a rep for 4 min 39 sec and again was advised the card should be there, that they recommend I wait a little longer as if I requested another card it would cancel the first one if it finally came. I called again on XX/XX/XXXX and spoke to a rep and supervisor for 11 min 54 sec requesting a new card be shipped. I requested they send me a new one Express, however, they advised it would charge {$20.00} to my account for that and they had no way of waiving that. They shipped the new card out regular mail. I received the card on XX/XX/XXXX, I tried to activate it however the 4 digit security code on the front required for activation was double stamped making it impossible to see what numbers are required by their system. I called again and spoke to a rep and supervisor who tried several combinations for 25 minutes 54 seconds. They told me their was nothing they could do about it and would have to send another card out. They gave no resolution or accommodation for their system or machinery problem. I have funds I can not use because of their issues. They give no resolution to make it better. Please assist.
Product: Credit card or prepaid card

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts.

Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. 

Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.
Product: Credit card

Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.
Product: Credit card or prepaid card

Just tried to change from the Platinum Rewards card to the Cash Back Rewards card, and was also told it is " not possible. '' I told the customer service member that XXXX XXXX XXXX had already changed my cards in the past and she seemed to brush it off like it was n't their problem. When I tried to explain why I did n't want to cancel my card outright after applying to the new Cash Rewards card ( as many people have stated previously, he life of my credit is still short and canceling one of my oldest cards would negativity impact my score ), she acted like she did n't understand what I was talking about and that I would need to " take it up with the credit bureau. '' This obviously is not a solution, as a credit bureau ca n't do anything to force continuity of a line of credit. However, EVERY OTHER BANK willingly does this for it 's customers. This policy USAA has adopted to refuse to allow you to change cards blatantly takes advantage of their customers by forcing them to keep old accounts open, take unnecessary hits to their credit for applying for a new card, and intentionally damaging their customers credit scores in the likely ( and logical ) event the consumer wishes to close the old card ( multiple cards open for no reason is a liability ). 

There are numerous threads on USAAs forums from customers in my shoes, to which USAA continues to give " cookie cutter '' responses stating they " take our suggestions seriously '' and " will bring them up with management. '' The company continues to attempt to use the Card act of 2009 as a shield to deflect customer complaints, despite customers directly calling them out over the incorrect nature of their claims.
Product: Student loan

Lender advised us to do a spousal consolidation loan. We do not qualify for any type of forgiveness due to the spousal consolidation. We both work in XXXX and are unable to qualify for the XXXX  forgiveness as well.
Product: Checking or savings account

On XX/XX/XXXX I reported fraudulent charges on my Citi Bank Debit Card between XX/XX/XXXX and XX/XX/XXXX for the total amount of {$1600.00}. On XX/XX/XXXX Citi Bank denied my claim # XXXX. I received a letter stating that I am responsible for the {$1600.00}. 

In addition, on XX/XX/XXXX Citi Bank blocked me from accessing my checking account and is closing my account. Citibank is not releasing my balance in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : Syncb/tjx Dc Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information Syncb/tjx XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

a third-party collection agency is attempting to collect a debt that does not belong to me and is potential a result from identity theft. I have requested from Experian and the collection agency to provide me with a copy of the contract and all documents on file that verifies my identity such as proof that I provided a government issued driver 's license, social security card as well as my signed legal signature. None in which has been provided to certain that the claimed debt belongs to me. Instead, I was provided with a bill that does not validate claimed debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportingS with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit card or prepaid card

To whom this may concern, This company charged my credit card multiple late fees though my card was always paid before the due date. I was charged a late fee during three separate months. If you review the account, payments were made between the due dates ( 2nd of every month ), and even multiple payments were made at times, but still charged. After calling ( FYI, they have no live option or messaging services to assist. ), I continue to be told that nothing can be done. I have proof, even from Capital One, that my payments were before my due dates yet they still would not refund my fees. 

Since around XXXX, I also reached out to the BBB but to no avail. I have stopped paying my two credit cards in hopes that someone will assist with the unjust fees, yet they have not cared to reach out until recently. I was provided with " New Settlement Offer '' emails yet when I called XX/XX/XXXX it wasn't an option. 

On XX/XX/XXXX I called to get a total of all late fees and interest on the cards and pay off both accounts but was only able to settle the XXXX account. I called on XX/XX/XXXX to speak to a different department about the XXXX card for the same results, yet they could not use my Capital One 360 account for payment, so it remains unsettled. I also have been hit with well over a XXXX point dip in my XXXX XXXX and now the threat of collections. 

I do not have access to all statements at this time ( Capital One has blocked access ) but to date this is the closest estimate of unjust charges : XXXX card : Total late fees : {$220.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) $ XXXX Savor card : Total late fees : {$100.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) {$230.00} Grand Total ( rounding ) : {$610.00} FYI Grand total at the time of my initial request was around {$80.00} ( this was before my 3rd unknown late fee of XX/XX/XXXX ). 

I can attach documentation upon request.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS has reported a collection account to XXXX without my expressed written consent pursuant to 15 USC 1692c ( b ). This is fraud. It is also a direct violation of 15 USC 1692e - False or Misleading Representations under 15 USC 1692e ( 8 ) because credit information that is known to be false is being communicated to consumer reporting agencies. This company violates 15 USC 1692g - Validation of Debts, as well for the reason that I was never never sent a written notice to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX-XXXX-TRANSUNION DATE : XX/XX/XXXX XXXX have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.