23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/XXXX   that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XXXX ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, Transunion, XXXX, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
Product: Checking or savings account

On XXXX XXXX, I went to a Chase bank location to open a checking and savings account. The only reason I decided to do this was because I received a promotional marketing flyer in the mail. I have never consented to receiving marketing mail, and have attempted to remove myself from mailing lists in the past, unsuccessfully. However, that is one of the many complaints I have about Chase that is unrelated to this issue. 

The promo was offering {$900.00} if I were to open a checking and savings account with Chase and follow certain conditions ( Set up direct deposit in the checking, leave {$15000.00} in the savings for 90 days ). I gave the representative the promotion coupon and he helped me set up the accounts. I verified that I knew exactly the steps needed in order to qualify for the {$900.00} promotion before I left. He stated that he had entered the coupon in the system and that he would follow up if there were any issues that would cause me not to receive the promotion. 

Towards the end of the 90 day period, I attempted to reach out to the representative that I opened the accounts with. After a few days of tracking down this person, as they had moved locations, I was told that the promo seemed to not have been applied to my accounts. This didn't seem like a big deal at the time, and he said he would escalate the issue in order to get it applied. 

It has now been over a month since the 90 days have passed, and I still have yet to receive either the {$900.00} I was promised or any form of solid answer on when or even if this will happen. It is nearly impossible to get anyone on the phone, and my voicemails are almost never returned. I have been asked if I have the original coupon, which I somehow have misplaced, but this promotion is publicly available to everyone, and is available on their own site ( https : //account.chase.com/consumer/banking/checkingandsavingsoffer ). 

I followed the requirements exactly and I qualify for the promotional money, but they are refusing to give it to me. Not only are they refusing the {$900.00} they promised, but a month has passed since the required 90 days has ended, and this has cost me over {$60.00} additionally in interest I could have earned, had the money not been in their 0 % interest accounts. I could have had this money in my primary savings account for 4 months and had {$240.00} in interest instead. This experience has cost me a large sum of money as well as an even more substantial cost in time and stress.
Product: Student loan

With the recent news of XXXX XXXX XXXX, I am one out of millions of students that were misrepresented and violated by the school I attended in XXXX, Illinois and on-line. This is is FRAUD!! When XXXX XXXX opened a credit union account in my name without authorization from me, that is unacceptable, on top of all the other things they did. My credit is now shot and over XXXX in debt from this school!
Product: Mortgage

My loan was transferred to Selene Finance on XX/XX/2018 from XXXX XXXX  whom I had gone thru the loss mitigation process and had been approved for a repayment plan, a signed repayment agreement was sent along with the initial payment as requested. Selene miss handled my account for months, I called practically everyday had to resend documents multiple times cause they either lost them or claimed to have never received them, their staff was incompetent in handling even the most basic of questions and request. Supervisors never returned my calls and finally over 5 months later I received a notice that my repayment plan had been canceled due to lack of payment even though they had a check that sat there for months uncashed and numerous times I was told by their representatives to hold onto the funds until they completed the account transfer. I then applied for foreclosure assistance thru my county and once again to get any documents the county needed or their cooperation was futile. I was approved for assistance on  XX/XX/2018 and the only requirement needed by the county was a XXXX in order to release the funds, weeks later, many phone calls, written request for this simple form and I am about at my deadline for the county funding and still no cooperation despite my constant follow up on a daily basis and my clear expression of the urgency of the matter. This company should not be allowed to continue doing buisness as they treat their clients with no priority and they have been sued and have tons of complaints against them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

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 my 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 paymen t reported in 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 XXXX  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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

This agency has two illegal reports on my credit report. I have disputed so many times with no results, XX/XX/XXXX - XX/XX/XXXX are the dates of open accounts reported by this agency which is illegal along with my personal information which they purchased
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

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 reporting or other personal consumer reports

I recently checked my credit I recognized I had some unauthorized hard inquiries on my transunion credit report ; these are the inquiries - 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

I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High God, I am writing to you regarding recent verification of certain accounts associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to request information regarding the method of verification used in the process. 

The accounts in question have been marked as verified, and as a consumer, I am seeking clarification on the specific method or methods employed by your organization to verify these accounts. This information is essential for me to ensure that the verification process complies with all legal requirements and standards set forth by the FCRA. 

Account ( s ) - XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX Please provide detailed documentation outlining the method ( s ) of verification utilized for each of the verified accounts. This may include, but is not limited to, any correspondence exchanged with the original creditor, verification through reliable third-party sources, or any other means deemed appropriate under the FCRA guidelines .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Along with a plethora of fraudulent credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company macys failed to provide the disputed account payments history for XXXX XXXX XXXX. If the company can't provide such information this account is considered over 7 years old and should be deleted/removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on the attached XXXX XXXX XXXX XXXX ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my XXXX XXXX - my social security card - my XXXX XXXX - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect.

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly.

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered XXXX give the debt collection company any new information concerning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices for literally as long as Ive used the app which is almost a decade now! this action violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres-for these violations.