23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX STATEMENT I received an invoice from Tate & Kirlin collection agency in XXXX. It was an offer to settle a debt for me 40 %. I had no knowledge of this debt. I called to inquire and was told that in XXXX, XXXX years ago, I opened a XXXX XXXX account and charged {$350.00} at XXXX and XXXX store. I have no knowledge of those actions. I ordered copies of all three credit reports and this negative item appeared there, it was a brand new item. I called XXXX XXXX on XX/XX/XXXX and they said I never had a credit card with them. I asked for a short statement from them stating that I had never had a credit card and they denied it. They dont provide statements that say someone has never had a credit card. XXXX XXXX said they did not see a XXXX XXXX card on my credit history. 
Please see the attached Invoice from Tate & Kirlin requesting a settlement.

I was told by Tate & Kirlin to email XXXX for clarification of this situation. I did not receive a response. Please see the attached XX/XX/XXXX email. 

The Bureaus is listed on my credit reports. I called them several times. They say that on XX/XX/XXXX I opened a XXXX XXXX credit card. I am an airline pilot and I was flying from XXXX, KY to XXXX XXXX, XXXX that day. There is nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I XXXX XXXX  XXXX XXXX and they have been bankrupt for years. 

I question how a collection agency could become involved with a bankrupt company TEN years after an alleged charge and try to collect 60 %. I spoke with the Consumer Protection Agency and XXXX XXXX XXXX and they stated that this appears to be fraud. I do not know what the statute of limitations is, either. 

I asked Tate & Kirlin and The Bureaus of documentation. A credit card statement, invoice, anything for proof that these charges ever happened. As I stated, XXXX XXXX said there is no account. 

I have an immaculate credit history. I pay my accounts by auto pay. I want an explanation of what this harassment is about. At the very least, I need this item removed from my credit record at all three credit bureaus. 

I request your assistance with this matter. Thank you, XXXX XXXX XXXX
Product: Debt collection

The company is called Enhanced Recovery Company. They refuse to verify the accuracy of my information. The debt is for a XXXX  phone I returned over 6 years ago that XXXX stated they never received. The debt collector now continues to Re-age my debt so it can look recent and continue to hurt my credit score. The amount is over {$1500.00}
Product: Credit card or prepaid card

Greeting, On XX/XX/XXXX I purchased XXXX ticket in XXXX in order to back home ASAP due to XXXX  invasion in XXXX. It was a personal trip for caring for my parents with XXXX. At the time of ticket purchasing XXXX phone line have been unavailable and on the their site I was able to buy only Business class ticket for {$5200.00} for XX/XX/XXXX. At that point I have no other options. Due to the swift international actions against XXXX  aggressor, XXXX government have closed XXXX aerospace when flight XXXX from XXXX to NY already took off. That plane have been diverted while approaching XXXX continent and upon arriving back to XXXX airport, XXXX issued full refund. 
However, Capital One provided only portioned refund {$3800.00} on XX/XX/XXXX. After my first call to credit card case # XXXX have been opened on XXXX XXXXand I was refunded for {$1300.00} on my Master card # XXXX XXXX XXXX XXXX while investigation in process. I provided with supportive documentation from XXXX invoice as a refund in full. However, On XX/XX/XXXX that charge applied again. Another call on XX/XX/XXXX. Next refund applied on XX/XX/XXXX and than I was charged with same amount on XX/XX/XXXX. On XXXX XX/XX/XXXX I called again and escalation case # XXXX have been opened. I was told I need to call them after XX/XX/XXXX for follow up. This is my last c/c statement and I paid it in full. Basically twice. 
My last call to Credit card took place on XXXX XX/XX/XXXX spent about XXXX min with representative ID # XXXX WHO CONSULTED WITH INVESTIGATOR WHO REVIEWS MY CASE and I was informed I will be contacted within 72 hours about solution. I did not receive any calls neither e mail communication.

At this point I don't see any reasons to contact them again and ask you department to step up. File with entire supportive documentation attached. 
Appreciate your support, XXXX
Product: Credit card or prepaid card

On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX  past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX  XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX ***Please update the correct wording to reflect what I do professionally******
Product: Debt collection

Started receiving letters from National Credit Adjusters with offers to settle this debt. In late XX/XX/2020 I received a phone call from National Credit Adjusters wanting payment on this debt. I explained that I had never received any notification of this debt. I told them that I had received offers from them to settle the debt for a reduced amount but had never received any proof of this debt. After seeing the collection account on my credit report I sent National Credit Adjusters a letter on XX/XX/2020 with an offer to settle the debt if they removed the collection from my credit report. I did not receive a response from the company. I filed a dispute with all three credit bureaus about this collection. On Monday XX/XX/2020 I called National Credit Adjusters and explained that I did not receive a response to my letter and repeated my offer to settle this debt if they removed it from my credit report. I was told by a very rude lady that this company does not delete information. I explained that I did not believe this was my debt and I was only offering to send a payment to get the negative account off my credit report. I was told they would not do this. On Monday XX/XX/2020 I again called National Credit Adjusters and offered to settle this debt and was told they couldn't accept any payments from me because I disputed the account. I would have to send them a letter telling them to remove the dispute before they would even talk to me about a payment. I explained that I was disputing ownership of this account and only wanted to pay to get the account settled and reported as paid in full on my credit reports. I was then transfered to a voice mailbox. I left my contact information and explained that I wanted to settle the account. On Wednesday XX/XX/2020 I was contacted by a representative from National Credit Adjusters and was again told that they would not accept a settlement from me until I sent an email removing the dispute. I once again explained that I was disputing the account and was never sent any proof that this was my account I only wanted to settle it to get it off my credit report. They refused to allow me to settle the account. I would now like for this company to remove this account from all three credit bureaus and no longer contact me about this debt since they have failed to show proof of the debt and they refuse to allow me to make a payment.
Product: Credit card or prepaid card

Upon traveling as a XXXX i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you regarding discrepancies I have found on my credit report. As you know this is not allowed. under my rights and also a clear indication that this information was not properly verified upon receiving it. Acct Name XXXX XXXX XXXX XXXX. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA
Product: Mortgage

I received assistance from The State of Arizona mortgage assistance program. I am on my third and last monthly payment from them to Chase. For the last three payments, I have had to call Chase and basically force them to go find the payment from the department that handles mortgage assistance, and have them get the payment and apply to my account. For some reason, Chase is completely incompetent and cant do it on their own. iI always takes until the XXXX of the month for them to do this. And here we are at XX/XX/XXXX, and they still have not applied the payment at the state of Arizona sent on XX/XX/XXXX. I have sent multiple emails to them to go find the payment and get it applied and they still refused to do so. Ive contacted my case manager at the State of Arizona housing department and reported this. The State of Arizona considers this theft, and Im not the only one having this issue with Chase. Not only did Chase steal and lie about my escrow overage amount and falsify tax amounts, but now theyve stolen a payment from the State of Arizona that should be applied to my account for my May payment. Im not quite sure how Chase gets away with stealing peoples money but its going to stop with me. Absolutely nothing has been done on the prior complaints and clearly you people just let Chase get away with stealing their consumers money.
Product: Checking or savings account

Around XX/XX/2018 checks were deposited into my account using an atm and that multiple transfers were the made out of my account totaling up to {$3000.00} but they did not come from me. The bank did not even notify me that they were putting a freez on my account yet along starting and investigation. I didnt find this out until I tried to log onto my mobile app and could not so I had to call them. When I called they told me thats when they told me about the checks I told them ok well they did not come from me.usaa then said they were doing an investigation and that it would take four to five business days and would be in contact with me. Two weeks went by and I still didnt hear anything. When I called back I got the run around and nobody could give me an answer on what was going on with the investigation it was also at this time that I found out they were closing my account. The XX/XX/XXXX rolls around and Im expecting this to be handled ... no Usaa then takes my retirement pay ( my only source of income ) saying that the I owed then for the bad check, mind you they still have not given me any information on whats going on with the fraud investigation. By this time no one has giving me any information and I was told that their fraud department would get in contact with me with in 3 to 5 business days and yet again I hear nothing. Today XX/XX/2018 I called them because my deposit was not made into my new account. The deposit was made into this same account that they said they were closing.usaa then says they took the rest of the money owed to them and that there were remaining funds in my account but I dont have access to it and they would have to get approve to release it to me. Once I go off one the rep about that on top of the fraud investigation I was transferred to a supervisor who then looks into it. Im then told that the investigation was completed and that they found me responsible. I ask how am I responsible when these transactions one were not authorized by me and two were in a complete different town than where I live. I was then told well thats what our investigation decided and that I should call back Monday to check the status of if I still owe them money. This is the second time this year there has been fraud on my account with them. You would think after banking with them for more than 6 years they would be a little more helpful instead of putting me in a bad situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX, XX/XX/2022, and XX/XX/2022. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX I made an on-time payment of {$350.00}, and in the month of XX/XX/2022, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX, XX/XX/2022, and XX/XX/2022. I would like these items to be corrected/and removed to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, Experian and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Product: Credit reporting or other personal consumer reports

A account is on my credit report that hasn't been opened by me nor have I lived at the address on file/ or have I associated with anyone from the address that the account is attached to. My name is spelled incorrectly and the city and state where this account was established I've never lived at. Also the account has been sold to a collection agency which I didn't authorize them to have any information about me to attach such information to my credit report. I think this was a data breach and my information should have been protected
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS BEING REPORTED WITH A {$7800.00} BALANCE XXXX 2021. THEY ARE TELLING ME STEPS HOW I CAN PAY OFF THE BALANCE. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY CLOSING DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT TO {$0000.00} WITH NO POINTERS ON PAYING OFF WHAT IS PAID OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I XXXX XXXX was Sent XXXX dollars to my Zelle account. I tried using my card to get the money off and was declined. When I called customer service they told me I had to prove I am who I am. I answered every identity question asked. The. I was told I had to send a picture of my Identification card. I did so and I was never able to get my money. The customer service representative told me she could not verify my identity and when I asked for a higher official she denied me of so. This all happened XX/XX/2024.
Product: Vehicle loan or lease

I leased an XXXX XXXX XXXXXXXX XXXX  model in XX/XX/XXXX. The lease was for 3 years, ending in XX/XX/XXXX. Upon the completion of my lease, I obtained a payoff amount to buy out my vehicle. I then submitted a payment in that amount to the leasing company in accordance with their instructions. My account shows a {$0.00} balance, and the money I sent has left my account. This happened back in XXXX of XXXX. Since then, I have contacted the company dozens of times to get the title released or get instructions on additional requirements, but I haven't gotten any response. I don't know why 4 months after paying off my car I still don't have the title? I need help to get my title for a car that I have paid off.
Product: Checking or savings account

Over draft fee for something thats a XXXX  and yet it takes about two days to charge from the account, late fees are charged after and of each individual thing
Product: Checking or savings account

On XXXX XXXX XXXX  I contacted CHASE bank to report problems with my checking account. I was unable to make deposits, withdraws, transfers and my debit card was declined. My account had a balance of about {$3800.00} but they froze it without warning. 
They informed me that there was an issue with a XXXX XXXX I had deposited ( {$370.00} ) into my account. It was difficult to read. They instructed me to take the money order to my local branch and have the problem rectified. 

I brought the money order into the local branch. The representative reviewed the money order and then called someone to have the issue fixed. 

That representative informed me that they were closing the account immediately and even though I had a balance of {$3800.00}, they refused let me withdraw the funds. They told me that they would issue a cashier 's check withing a few weeks. 

They gave absolutely no warning or notice of the closing and refused to provide me with a reason.
Product: Credit reporting or other personal consumer reports

I sorted them to remove all outdated and incorrect addresses that I never lived at and they said they couldnt they I had to speak to someone. One address is listed multiple times over 20 and is incorrect. The only address that is correct is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX just like that any else should be removed immediately