23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX Discover Card called me to offer me a 0 % credit card for the life of the card because I have good credit. They saw that I had a XXXX XXXX with a XXXX high limit on it. They asked me to transfer the balance from my Chase card to the new Discover Card but I would have to pay a one time fee of {$3900.00} but I told them only if the limit was the same as my Chase card and 0 % financing for the life of the card would I consider. He said the limit would be the same or more. He transferred me to a manager and the manager said you only qualify for {$8000.00} with Discover card. I promptly him that I did not want to continue can you please cancel or don't submit the card he said ok. I received the card in the mail 2 weeks later the APR was 0 % until XX/XX/21 instead of what they told me on the phone which was 0 % for the life of the card as long as you pay your minimum balance on time each month in addition to that my APR would be 22.9 % after the initial period ending XX/XX/21. I called Discover and they were in the process of transferring the maximum amount the new card could hold on the account. So I asked Discover to stop it all. The Agent said they will attempt to cancel the pending transfer to the card and cancel the card all together. I insisted that they provide me with some type of confirmation number or proof that the transactions will occur but the refused to provide me with anything over the phone and there policy was to send a letter in the mail. They transferred me 3 times to different people just to tell me that the will only send me an email in 48 hrs or a letter that will come in the mail in the future. Very disappointed I feel like I was deceived right from the beginning. So in the end I believe they will charge me the one time fee of {$3900.00} and transfer {$4100.00} from my XXXX account to max out the {$8000.00} limit on the new Discover Card. Which means I would've paid them {$3900.00} just to get {$8000.00} maxed out Discover Card. This is predator lending at its finest.
Product: Debt collection

Hello, My name is XXXX XXXX and I have disputed a collection account with the credit bureaus and the collection company ( LVNV Funding LLC ) on several occasions now. I disputed with XXXX, XXXX, and XXXX  on the following dates. ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - and XX/XX/XXXX ). They never validated the debt. They only sent response letters stating verified without providing me with the proper proof of verification based on the law. After my third round of disputes, I was asked to provide two for of identification, but i had been attaching my Valid State ID and Social Security ID since letter one.The amount is for {$410.00}. I sent all mail certified and notarized. I recently seen that XXXX  has deleted the collection. However, XXXX  and XXXX  has not. If XXXX  couldnt validate the debt, how can they? This is not my account and I need it removed ASAP.
Product: Credit reporting or other personal consumer reports

I would like to file another \complaint against Landmark for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to XXXX XXXX XXXX. I am hereby requesting all disclosures required by federal law. 
In addition, Landmark failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As part fair credit reporting, they did not adhere to the following practices : XXXX. XXXX XXXX XXXX : We ensure that the credit information we report is accurate, complete, and up-to-date. This includes personal information, account status, payment history, and any relevant public records. 
XXXX. Adherence to XXXX XXXX Guidelines : We follow the detailed specifications of the XXXX XXXX Format to ensure that our data is formatted consistently and accurately. 
XXXX. Regular Updates : We update credit information monthly to reflect the most status of your accounts. 
XXXX. XXXX XXXX : We have established processes to address disputes or errors reported by consumers efficiently and promptly. We investigate claims thoroughly and make necessary corrections in a timely manner. 
XXXX. Compliance with Regulations : We adhere to all relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), governing the reporting and handling of consumer credit information. 
XXXX. Ongoing Training and Monitoring : Our staff undergoes regular training to stay updated on XXXX XXXX compliance requirements, and we continually monitor our processes to ensure ongoing compliance. Considering these discrepancies and the forgery of my signature, I assert that XXXX XXXX XXXX XXXX XXXX is in violation of the following federal laws :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian have been told SEVERAL TIMES AND GIVEN THE COURT DOCUMENT of the approved dismissal of loans. XXXX sold the loans after the court dismissed the loans because they failed to answer the court document given by the judge. Experian knows this and will not correct the issues at hand even after receiving the court document more than once. Experian has not provided proof to me that the information from XXXX and XXXX is correct, never received any documentation from XXXX of XXXX  of there documentation BUT I DID PROVIDE TO EXPERIAN THAT XXXX AND XXXX IS INCORRECT! Can not get anyone on the phone at Experian to talk to and nothing has been fixed for over a year now. XXXX is showing on my Experian credit report 4 loans, I only had two and once again Experian for over a year has not corrected the issue at hand and I can not even get to the correct department as their phone computer does not have that option. XXXX knows those loans were closed out because XXXX failed to answer the court document, has agreed to this but still reports incorrectly. Experian needs to correct my credit report, thats all I am asking and it needs to stay corrected!
Product: Credit card or prepaid card

I have had a Best Buy Credit Card for some years now and have used it to but big household purchases at different times, tv 's, gaming systems, computers etc.     I recently purchased a home in   XXXX   XXXX   XXXX   and needed all new appliances so I took advantage of Best Buy 's 18 month  XXXX  interest deal and spent over {$6000.00} on appliances.     I have always done the paperless statements and just log in and make more than the minimum payments and continue about my day. On    XXXX   XXXX    I actually opened up the statement and saw a charge for Debt protection fee in the amount of {$48.00} for that statement. I looked back over my statements and they 've been charging me the whole time and I never agreed to this. I 'm the consumer that refuses all extended warranties, any additional add ons I 've always declined and I know I did not agree to this fee.     I called on the same day   XXXX   XXXX   and  Best Buy  Customer Service told me I would need to call the Debt Protection company to " request a refund '' I called the  XXXX  and spoke with  XXXX . She said she would file the request and within 30 days I would hear from them whether they would refund it or not. On     XXXX   XXXX   I received a letter in the mail saying that they would not be issuing a refund for these fee 's and that they did cancel the debt protection coverage.     I 'm livid at this point and I call again to this debt protection people, who Best Buy uses and I spoke with  XXXX . She says we can put in a second request if I like and that within 30 days I would be notified of their decision. On   XXXX   XXXX   I did get a letter again that they would n't be refunding the fee 's that I was charged. Again, I did not agree to this.     On  XXXX   XXXX  I did receive a call from  XXXX   XXXX  who is a Best Buy Citi Card Account  Manager  and he apologized for any confusion and explained that the Debt protection was n't a part of them, they are a third party that they use. I explained to him my frustration and told him that this was very bad business practices and that I was shocked they would be operating in such a manner. He said that since I was such a loyal customer and that my account had been open for so many years he wanted to offer me a credit on my account for {$50.00}. I told him I did n't want a {$50.00} credit I wanted the charges that should n't have been on my account off of there. They go back and are on there every month, over {$500.00} worth of charges since I just bought the appliances in   XXXX   XXXX   XXXX    . He said he still was going to apply the credit and again he was sorry for my frustration etc.     I understand that there are  XXXX  people at play here. Best Buy, Citi Bank and this third party  XXXX   XXXX   XXXX . I think it 's very deceitful to do this to who knows how many people and when the consumer actually notices it no one seems to be able to do anything to fix it except say I 'm sorry. This has really changed my opinion of Best Buy in a negative way and to have spent over {$10000.00} in their stores it really makes me feel like they do n't appreciate my business.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Inquiry I have no knowledge of Inquiries that occurred on my consumerreport. I want these Inquiries deleted from my consumer report immediately.

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

I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries
Product: Credit card or prepaid card

We have a bogus {$610.00} charge dated XX/XX/19 from the XXXX on our Citi AAdvantage Credit Card.

Citi refuses to remove to remove the charge until investigated, usually 3 billing cycles. In the meantime, I must pay it. I thought the usual policy was to remove the charge until resolved.
Product: Debt collection

I am filing this complaint on Experian and XX/XX/XXXX due to non-compliance with the CRA. 
I have written letters to Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020, along with letters sent to XX/XX/XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

They have failed to remove information that was affiliated with personal details that were challenged in the past and were not verified by the credit bureaus nor the charge-off company XXXX XXXX XXXX. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not an error I have a collection on my consumer report. this account was removed because I did not owe them the alleged debt and y'all placed it back on my report. and they could not provide me with the information on the alleged debt so they removed it. i have a letter that they sent me stating that they removed the collection from my consumer report. the XXXX XXXX  needs to be removed from my report immediately. My next concern is that y'all have not removed these inquiries from report. these inquiries are not mines i never gave them consent or authorized them to pull my report i have sent in a identity theft report on these inquires XXXX times, y'all refuse to remove them these inquires are unknown to me and i want them removed from my consumer report immediately. these inquiries are not factual, and they must be removed from my consumer report. you are failing to comply for not maintaining maximum accuracy on my report and refusing to remove inquiries that i don't know about and I'm thinking about litigation for the stress you have caused me. remove the inquires immediately from my report.
Product: Vehicle loan or lease

My father and I have a loan with Synchrony for a recreational vehicle. In XXXX the vehicle was in a fire and declared a total loss. The loan had a gap policy attached. The insurance has paid with the remaining balance being {$1600.00}. I have submitted everything for gap except the full payment history which ive requested 4 times from synchrony. They hAve confirmed each time they have sent and I have not received. The gap company refuses to pay without the payment history and I have spent hours to no avail back and forth with the company. The time frame is coming to an end for me to exercise gap and im paying on a vehicle I do not have. This has been a nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.
Product: Debt collection

on Friday XX/XX/2019 THEY CALLED AN ALT NUMBER AND LET THE PERSON KNOW THEY NEEDED TO CONTACT ME ABOUT A DEBT, THEY GAVE THE PERSON INFORMATION ABOUT THE CAR AND THE SETTLEMENT AMOUNT THEY WANTED TO MAKE WITH ME, I DID CALL THE COMPANY BACK ONCE THE PERSON TOLD ME ABOUT THE PHONE CALL AND SPOKE TO REPRESENTATIVE AND TOLD HIM ABOUT WHAT HAPPENED AND HE LET ME SPEAK TO THE SUPERVISOR, I TOLD THE SUPERVISOR ABOUT CONVERSATION AND HE SAID HE COULD PULL CALL BECAUSE CALLS ARE MONITORED, BUT THEN HE SAID PERSON WAS DESK AND PUT ME HOLD AND SPOKE TO THEM WHEN HE CAME BACK HE DID SAY REP GAVE INFO TO PERSON THAT HANDLE CALL NOT REALIZING THAT WAS AGAINST THE LAW-I LET SUPERVISOR TO TAKE MY NAME AND ALL NUMBERS ATTACHED TO MY ACCT OF CALLING LIST-THE NAME OF THE COMPANY IS NCB-MANAGEMENT IN XXXX PA-XXXXPLEASE HELP ME IN THIS CASE THAT WILL NOT HAPPEN TO ANOTHER CONSUMER-XXXX XXXX  SUPERVISOR NAME
Product: Vehicle loan or lease

My payment every time is {$650.00}, ,half for the payment account and the other for late fee, ,and that happens for the first day in 2017, ,I dont know but is no look good,,
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX SERVICES # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/ any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items /items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

General issue : Am addressing a practice of some merchants/companies not offering consumers an auto payment plan for large purchases. This situation guarantees that bank/credit card companies will earn MUCH greater profits by assessing late fees from busy working consumers. The interest free teaser is neutralized by the assessed late fee with no auto payment option. My husband and I always set up auto payments on large purchases to avoid this situation ; we also have excellent credit scores. Buyer beware ; never assume auto payment option will be available when financing large purchases. The company we will avoid doing business with is Wayfair and their financing contractor,  Comenity.com   unless they offer auto payment plan.
Product: Credit reporting or other personal consumer reports

Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. It has been well over 7 years, and you are still furnishing this information to my consumer credit report. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days : XXXX XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Furthermore, this is not my account, I was merely an authorized user to help advance my credit. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.