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

Was a member of Sam 's Club, was checking out when the cashier asked me if I would like to sign up for a sams credit card and get {$100.00} toward my purchase. I said okay and she ran the credit report and didn't go through, she mentioned that they would call me I asked if the promotion would still be valid the cashier said yes, a few days later I got a call from sams club credit asking if I would like to complete the process to get the card. I had asked the person from sams club credit if the promotion was still valid and mentioned that if it was not I did not want a hard inquiry on my credit report and that I wasn't interested. She informed me that if the promotion was still valid. I said okay and then they approved me for the card. 

A few days passed and I opened the letter with the card and the promotion was not included so I called Sam 's Club credit to ask, I was informed that I was not entitled to the promotion and would have to settle for 30 dollars off my credit purchase good for the next 30 days. I was upset and cancelled the card and also cancelled my membership with sams club. I called the credit reporting agency to get the hard pull removed from my credit history. They informed me that only the credit card bank could do that. I called the credit card bank and they refused and said they couldn't do an order of deletion. 

I am asking that Sams Club Credit through Synchrony Bank be investigated along with sams club and that their hard pull from my credit be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/2023. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Experian has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 
XXXX XXXX Account Account Number : XXXX Experian XXXX indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report.
Product: Debt collection

On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my XXXX parent 's home in order to take pictures for a XXXX XXXX   XXXX ( XXXX ). The XXXX was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of Select Portfolio Servicing , INC. ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and SPS has been previously put on notice regarding trespassing. I contend SPS has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX 's illegal actions at the direction of XXXX and SPS, I and my siblings feel violated and threatened. SPS continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. SPS has been repeated told this property is NOT the property described in the purported mortgage. In addition, SPS has yet to provide a legitimate claim per XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report. The collection which I believe to be inaccurate. 
Despite numerous attempts to obtain a purchase agreement or any documentation validating this debt, I have not received any response from your agency or the original creditor. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of debts reported by collection agencies. 
Without a purchase agreement or any documentation proving the validity of this debt, I can not acknowledge its legitimacy. Therefore, I kindly request that you provide me with the necessary documentation to verify this debt within 30 days, as required by law. 
If you are unable to provide the requested documentation, I expect the collection account to be removed from my credit report promptly. Failure to do so will result in further action being taken, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please address all future correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX
Product: Student loan

I have messaged them through my account with them and also I spoke with someone almost 2 months ago and they ( She ) told me that it could take up to 30 days to correct the issue. I had requested to get the lowest payment possible and they ended up putting all of my loans together mine and parent loans and then told me I had to pay almost XXXX dollars a month. I requested to have the parent loans removed and then that way I could get the lowest amount for my loans. She stated they will do that. Now when I look on the site, it is showing the parent loans separated from my consolidated loans, but my loans are still at a {$600.00} dollar payment. They also are not putting my PSLF time in correctly. I have worked for a non profit since XXXX. Now my loans are coming out of forbearance on XX/XX/XXXX and nothing has been fixed. I dont understand why this is so hard for them. I clearly can not afford a {$600.00} dollar payment on mine plus another {$100.00} on my kids when I make {$50000.00} a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by my bank, Hancock Whitney, that I have no credit report in the United States. Consequently XXXX/XXXX  have not given me a score. I question this because, I have a credit line with Hancock Bank that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX years old and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with Hancock Whitney and receive my US Social Security there. My concern is how can I have no credit history when I have one with Hancock Whitney which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX  XXXX  because I have no US history. Does my history with Hancock Bank not count or has it not been reported? I've been with Hancock since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 follow 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: Debt collection

BLAKELY WITTS AND ASSOCIATES HAVE A DEBT 0F {$540.00} ON MY CREDIT REPORT SINCE XXXX 2013 AND SEND MANY LETTERS TO STOP BILLING AND WAS NOT MINE. THEY WILL NOT REMOVE FROM CREDIT REPORT. OR IDENTIFY THE ORIGINAL DEBT COLLECTOR
Product: Checking or savings account

I am writing to file a complaint against TD Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with XXXX XXXX and Navy Federal Credit Union. The account numbers in question are as follows : XXXX XXXX - Account Number : XXXX Navy Federal Credit Union - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. 
In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting.

According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results.

Furthermore, I request that you provide proof of ownership for both the XXXX XXXXXXXX and Navy Federal Credit Union accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. 

Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. 

I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. 

Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Please Advised I applied for an XXXX XX/XX/XXXXcard with chase on XX/XX/21 & XX/XX/21. It is clear that chase is participating in discrimination and predatory lending. JPMCB open the card with an approval of XXXX and sent me a letter saying I was approved. Once I received the card and tried to active the card it had been canceled, saying I needed to prove my identity. So I went into a branch here in XXXX, ga I also faxed my id and made numerous calls to chase. All i received was a run around. Then on XX/XX/21 I was told I needed to re apply and they then denied that application. How i have 2 inquiries on my which cased me to lose points on my credit Chase open and closed an account base on not having proper identity that they said credit score. But was score was XXXX at that time. JPMCB then cased more damage to my score by putting it on my credit as a closed account, that was really never opened. It could be me but this seems to be some type of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I have been disputing with Chex Systems for multiple years now. I have tried to reach out and speak with them on the phone and all that happens Is that I receive a copy of the report they have on file. I am now XXXX XXXX XXXX and messed up as a young adult with checking accounts to where I had to file bankruptcy. I have a good career in customer service now and am in the middle of a chapter XXXX and filed a chapter XXXX when I was XXXX. I thought everything was cleared up since, I did file on the banks. A lot of time has passed now, many years but, chex systems is still reporting bad things about me when it comes to me getting a credible checking account. I can not go through a credit union or checking account. I have tried to go to multiple credit unions, and banks to where they always tell me chex systems is still showing a XXXX XXXX  under my maiden name XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX for XXXX for NSF. Account number ending in XXXX RTN XXXX under my social ending in XXXX. I did not live at this address since XXXX. I had a XXXX account that I paid in full while living in Kentucky and they advised me that I am settled. There is another account with XXXX XXXX RTN XXXX account number ending in XXXX NSF XXXX stating PAID IN FULL. I have tried to get accounts with XXXX XXXX XXXX XXXX XXXX, University of XXXX, and other banks with credit unions. Not a single one will give a checking account because they state that I need to have chex systems cleared. No one at Chex Systems will help me. I am trying to buy a home for my XXXX XXXX and fix my credit. Please, help me get Chex systems cleared in full. 

Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX  ) is attempting to collect a debt it does not own. I sent XXXX  a Cease and Desist letter and requested proof of debt ownership. Additionally, I stated that XXXX  does not have my permission to park the alleged debt on my credit report. After receiving the letter, XXXX continued to call and harass me and parked the debt on my XXXX report. I have not received any postal mail since my Cease and Desist letter was received by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In the month of XXXX I tried to pay my water bill with my prepaid account using my account routing number and account number. It is a prepaid card account but we have access to our account information. My payment submission was returned to the water company unpaid. There was over {$600.00} dollars in the account at the time of submission. 

The bank returned my payment unpaid and now the water company wants me to pay a {$30.00} NSF fee even though there was plenty of money in the account to pay the bill. 

Was told that I could not use my routing number and account number for a prepaid card account to pay a bill. However PNC has nothing in writing for us that says we can not use out account number to pay a bill. 

The water company is requiring me to give them something in writing stating that fact ; that we are unable to use my account and routing number and they will remove the NSF fee from my account. 

I called the bank to ask for information regarding the inability to use a account number and routing number for bill payments ; and have yet to receive anything. I was told that it would be something that they would have to create for me in order to get the water company to remove the fee. It has been over 30 days and I still have not received a reply to my compliant. 

I know of other prepaid cards that allow you to use your account and routing number to pay your bill ; this is the only bank that I am aware of that you can not do a transaction in this manner. Please help me to resolve this issue.
Product: Debt collection

Santander is reporting a { {$21000.00} } debt on my credit report. This debt is Santander 's tactic to defraud the United States IRS. I requested validation of debt over 3 times with the latest being less than 2 months ago via certified mail. I NEVER received any type of correspondence to even validate the fraudulent amount nor verify the debt. They have violated many FDCPA rights. Santander has use my personal information to receive a tax write off for a fraudulent debt. Santander has reported payment history that can not be verified also.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.