23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!
Product: Credit card

I made a payment of XXXX to my Kohl 's charge and I was still reported late. I have hard some hard time financially. I have experienced a house fire and ID theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian and XXXX several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.
Product: Credit reporting or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX  XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX & XXXX XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$120.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5200.00}
Product: Credit card or prepaid card

I did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally resolved.
Product: Debt collection

XX/XX/XXXX portfolio recovery called me in regards to a debt that is past statue of limitations. I had kindly asked the company to stop calling me at my number for their start period of time the company allows. After the lady from portfolio recovery stated that I will no longer get calls for a month from the cell number that she had repeated back to was clearly mine. 
XX/XX/XXXX portfolio recovery called my number in regards to a different account from another person, that supposedly my spouse that lady from portfolio recovery had stated very clearly. I havent been married for going on 4 years and changed my number from my ex wife. Portfolio recovery never stated or clarify I had supposedly had someone else linked to my named or my number doesn't mean anything being flagged by portfolio recovery to still call knowing that promised on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed an account from my report because it was fraudulent, and they illegally inserted this same account back onto my report.
Product: Debt collection

Synchrony Bank was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX  Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from Synchrony Bank Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. Synchrony Bank informed that they sent electronic letters to both XXXX and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from Synchrony Bank it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by Synchrony Bank was dated XX/XX/XXXX.
Product: Credit card

I made a payment of XXXX XXXX XXXX XXXX Paypal took the money out of my checking account on XX/XX/XXXX. They will not release my available credit until XXXX XXXX I need to make an emergency house repair and they will not allow me use my available credit. They said they put a 21 day hold on my payment because it was higher than normal and gave me no ability to have the hold overridden even though I could prove the money was taken out of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX  reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.
Product: Credit card or prepaid card

I recently logged into my Chase.com account and noticed a section for " Chase Offers '' at certain merchants. One offer was for " 10 % back '' at XXXX XXXX. Since I was looking to buy a new television, I decided to use my Chase issued United Explorer card to make this purchase- a card I rarely use otherwise. On XX/XX/2021 I made the TV purchase on XXXX for a total of {$690.00}. Based on the offer, I should've received {$35.00} back from Chase as the offer is capped at that maximum. 

On XX/XX/2021 I received my monthly credit card statement with the full amount of {$690.00} as the balance. I waited until today, XX/XX/2021, to see if that {$35.00} credit would somehow be posted ( which it wasn't ) before calling into Chase customer service. I explained the situation to the customer service agent, but she indicated that I am not eligible for that offer. I asked how that was possible, given that I was logged into my Chase account at that very moment and still saw the offer in my account with a green check mark indicating it was active. She double-checked and continued to insist that I'm not eligible for that offer.

Since the only reason I used my Chase United Explorer card to make this purchase was for the expected {$35.00} credit, this seems like a definite case of misleading marketing or abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?
Product: Vehicle loan or lease

On Thursday   XXXX   XXXX   XXXX     I contacted Bank of America ( " the bank '' ) to find out why my principal balance differed from what I was told it was going to be when I signed the documents at the dealership because all the guy could see was what was entered into the system. I was told to contact the dealer to find out. I called the dealer, but was unable to reach anyone. Then, I called the bank back to see if I could get a better response.  Low  and behold I was able to reach a nice lady who took time out of her busy day to help me get to the bottom of things. She was able to locate my loan documents and agreed that the loan document indicated that my balance should have been lower than what they had in the system. She told me she was going to submit a research request to get it all straightened out. She gave me a confirmation number and told me that someone may reach out to me if they had any questions or needed further information. After I got off the phone with the bank, the dealership called me back. Since the lady at the bank told me that she was working on a resolution, I told the dealership that and they went ahead and considered the issue being handled. The following day ( Friday   XXXX   XXXX   XXXX     ), I received a phone call from a rep at the bank, but we ended up playing phone tag and never had a chance to connect. On Monday    XXXX   XXXX   XXXX   XXXX   I received a letter from the bank informing me that they had been trying to reach me, but they were unsuccessful and I needed to contact them to get the issue resolved. I called them back on Tuesday   XXXX   XXXX   XXXX       at which time I was told that I needed to contact the dealership to get the issue resolved. I contacted the dealership again to no avail. The issue is a lack of assistance in getting a disclosure discrepancy resolved. I signed a security agreement agreeing to pay the stated principal balance and that is what I want to pay. No additional fees, no less than the agreed upon amount. I believe that this discrepancy is a Regulation Z violation and should be handled as such.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed. 
XXXX Accounts : XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$510.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$150.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$290.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$290.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Product: Debt collection

Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I opened the account and I wasn't told about their overdraft fee nor was I told that they will go into my account and transfer money out of one of my accounts without my prior authorization and place it into another account to recover any other fees. This is fraud and this is theft. Navy federal made my account negative because the transaction was posted to my account Last week and then Navy federal posted the money back to my account for availability so I did not know the transaction wasn't completely making me in the negative balance. But this just occurred on XXXX XXXX, and the next day on XX/XX/2022 they Fraudulently transferred my money out of my account. Send me an email with a response as well as an ACH deposit to my account for the Consumer violations within 5 days of receipt of this letter. The mailing address is XXXX XXXX XXXX XXXX Mississippi XXXX. My Location of Information is the above mailing. I have XXXX XXXX XXXX XXXX MaXXXX because that is my area of location where I work.
Product: Debt collection

XXXX   XXXX   XXXX   started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all 3 bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.
Product: Debt collection

I am submitting this complaint against First Federal Credit Control for attempting to collect a debt that I do not owe to them. 

On XX/XX/year>, I sent a debt validation request to First Federal Credit Control regarding a debt they claim I owe. In response, they provided a copy of a contract for XXXX XXXX. However, they did not provide any documentation proving that they legally own the debt or that I have any contractual obligation to pay them as I signed no such thing. 

Since First Federal Credit Control has not demonstrated that they have a valid right to collect this debt, I believe they are violating the Fair Debt Collection Practices Act ( FDCPA ) by pursuing collection without proper validation. 

I request that First Federal Credit Control : 1. Cease all collection efforts.

2. Remove any negative reporting related to this debt from my credit report if they have reported it.

3. Stop any further communication regarding this invalid debt. 

Please investigate this matter and take appropriate action against First Federal Credit Control for their improper collection practices. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company is XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX My credit was run without my authorization or permission. It was a hard hit on my credit.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX 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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX 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 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: Mortgage

I closed on my property in Hawaii but never received the remaining escrow. I contacted the Lakeview Loan Servicing but since I've sold the property have my loan on record. 

I've provided them with my loan number and the settlement document with their information but they are still unable to find my account. My Loan NoXXXX was deleted after it was paid in full. The remaining escrow was never forwarded to my new address. 

May I ask how your assistance in claiming my remaining escrow? 

V/r, XXXX XXXX XXXX