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

My account with XXXX, US DEPT . OF EDUCATIONXXXXXXXX US DEPARTMENT OF EDU XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX US DEPT . OF EDUCATION/XXXX US DEPARTMENT OF EDU XXXX XXXXXXXX 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 US DEPT . OF EDUCATIONXXXXXXXX  US DEPARTMENT OF EDU , XXXXXXXX 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 card

Below is a verbatim copy of my correspondence sent to Discover card. 

XX/XX/year> Re : dispute case # XXXX Dear Discover Card Customer Service, I am in receipt of Discovers letter dated XX/XX/year>. Please accept this letter as a summary of correspondence between me and the merchant, The XXXX XXXX. On XX/XX/year>, I cancelled a reservation in writing via email, in compliance with the merchants policy posted on their website. Please note that the cancellation made on XX/XX/year>, XXXX well within the cancellation window, given that the reservation was for the night of XX/XX/year>. 
On XX/XX/year>, I noticed that the merchant charged my Discover card in the amount of {$160.00}. On XX/XX/year>, I spoke with XXXX XXXX, an employee of the XXXX XXXX and pointed out that I had previously cancelled the hotel reservation on XX/XX/year>. XXXX XXXX then stated that my cancellation email was overlooked and that the charge would be reversed. Upon receipt of documentation of this conversation from XXXX XXXX, I opened a dispute with Discovers resolution team, and I uploaded this documentation to the secure portal. On XX/XX/year>, I again spoke with XXXX XXXX and notified them that the charge had still not been reversed to which XXXX replied that according to their records, they processed a refund transaction and we do not have any of your money. 
This morning, I called Discover card services and relayed this summary to a dispute specialist who then kindly agreed to officially reopen this dispute to allow more time for additional documentation to be uploaded. I appreciate Discovers cooperation in this matter as well as Discovers endorsement of the Fair Credit Billing Act. 

Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 PayPal notified my wife and I via email that there was a {$150.00} payment was in pending for review and should be complete within 72 hours. The payment was sent to our account from a coworker to purchase a retirement gift for another coworker. We have made multiple request to PayPal to complete the review and release the funds by email and by phone. This has been held in pending for nearly two months and no progress or updates. Please help us with this hold up.
Product: Consumer Loan

Back in XX/XX/XXXX we had to claim chapter XXXX bankruptcy. I had a loan on my car with Wells Fargo I made my payments, then paid the car off in XX/XX/XXXX. When I looked at my credit report I noticed I did n't get any kind of credit for doing this. Wells Fargo stated it was discharged in Bankruptcy. I called them and they said it was there right to not show I made my payments and that I had paid this account in full because we filed chapter XXXX and did n't reaffirm the loan so this is why we do n't get any credit for the payoff or my monthly payments made. I do n't understand how they can do this and how can I rebuild my credit when things like this happen.
Product: Mortgage

In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy.

15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my information corrected on my credit report and they have been illegally reporting the wrong information still on my report. They have been aware of this since XX/XX/XXXX, XXXXwhen I sent them a certified letter with tracking number XXXX using USPS to correct my name, date of birth, address, telephone number, social, and employers. To this day which is XX/XX/2021 they still have the incorrect personal information on my report. Not only are they reporting unlawful wrong information on my credit reporting they have failed to verify they information as well. On XX/XX/2021 they were asked to verify the legitimacy of a bankruptcy they are reporting on my credit report when I sent them a certified letter through USPS with tracking number XXXX. I never heard anything back from them and they are still reporting the bankruptcy on my credit report. On XX/XX/2021 they were asked to verify negative accounts posted on my credit report via a letter sent to them USPS with tracking number XXXX and all my advances to have them report the correct and proper information on my credit report have been ignored and unanswered. I have called them multiple times just for them to give me the run around and still not prove to me or show me proof as to why accounts and information is on my report being report illegally and wrong. On XX/XX/2021 they were sent another certified letter XXXX that provided them with an FTC report stating Im a victim of fraud and to remove all fraudulent information on my credit report followed up with 20 phone calls last one made today XX/XX/2021 at XXXX. They still refuse to remove the accounts along with the inquiries made on my report without my permission. According to section 15 USC 1681 there has been multiple violations that i am willing to pursue legal action if necessary if this is not handled in an adequate manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, account shows a balance owed on a charged off account.dispute status inaccurate
Product: Checking or savings account

On XX/XX/XXXX, CHECK # XXXX {$210.00} was withdrawed from my checking account and I was charged a overdraft fee of {$36.00} I have contacted PNC bank to waive this fee as a courtesy credit, and they have refused saying that I'm not eligible. 

Here is the Reference number : XXXX I asked to be transferred to a supervisor/manager, and they said they would call back. After contacting the manager, they were saying that I'm not eligible. 

I asked, what is your eligibility for issuing courtesy refunds? and they said " we don't have one ''. 
I'm very confused that they don't have a policy that defines the terms. They were being passive aggressive about answering this question. They said I received 2 courtesy refunds in XX/XX/XXXX, and that they can not issue one for me now. I have been a loyal customer for at least 12 years, and they are actually refusing to reverse this fee. 

I think it is unfair that they can do whatever they want without any clear policies. They are not transparent about their practices. 

I think this is more than my concern for {$36.00}, actually banks should have clear policies about these things. I'm sure this fee applies to many Americans who are not financially doing well. This is one of the issues I think that affects the poor and that's why there is no clear policy!!!!!
Product: Credit card or prepaid card

Chase customer service agent denied my request to file dispute on a transaction of my chase freedom credit card. 

I prepaid in full for my hotel stay in XXXX At XXXX XXXXXXXX XXXX in Hawaii on XX/XX/XXXX. 2023 for XXXX nights, but was not properly informed of additional fees associated with the hotel, As a result, I was forced to pay more money at check-in than I expected, and I feel misled. 

When I made my reservation through XXXX App, I was not informed of any additional fees, such as reservations fee, damage wavier fee and housekeeping departure cleaning fee that would be charged in addition to the room rate that was quoted on the XXXX app. Despite paying the full amount to XXXX, I was still required to pay additional {$250.00} at XXXX At XXXX XXXXXXXX XXXX XXXX. I was not made aware of this fee prior to my arrival, and it was not included the original booking confirmation that I received from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX after speaking with several customer service reps with this company continues to do damage to my credit report by reporting incorrect info. XXXX  shows this account closed in XX/XX/XXXX this account closed in XX/XX/XXXX and was a paid charge off in XX/XX/XXXX. This caused a major 50 point drop in my credit score which I am working very hard to repair. In good faith I paid this account off, and they continue to be inaccurate with reporting, as well as incorrectly re aging this account causing a significant score drop while I'm attempting to obtain a mortgage. I remain very disappointed with this company 's handling of this account. They have not been very helpful at all with any of my requests, and I intend to take this situation further if they can not report accounts accurately to each credit bureau.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX -XXXX XXXX XXXX Reported XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Inquiry date-XX/XX/2022 XXXXXXXX XXXX XXXX  : Inquiry date-XX/XX/2022 I applied for the wrong loans.
Product: Credit reporting or other personal consumer reports

Hello, I would like to file a complaint against the Credit Bureaus XXXX XXXX Equifax, due to not properly assisting me. I notified the companies XX/XX/XXXX, in regards to a company named XXXX ( Formerly XXXX ), falsely reporting my account 30-59 late. The Credit Bureaus left the negative remarks on my credit report, after I advised them that XXXX sent emails stating my due date was different from the previous one. In addition, I submitted evidence supporting my dispute. The company sent an email stating my payment was due on XX/XX/XXXX, which i submitted a payment XX/XX/XXXX. However, when i submitted the payment, XXXX stated it was due XXXX and that I was over 30 days late. I advised the company that I received an email stating my payment was due in XXXX. Also, I stated that a representative in XX/XX/XXXX, stated my due dates would change, as the result of me being on the hardship program. I hope this issue can be resolved, as it has caused me a great deal of stress, due to my credit score has gone down over 30 points & having to file disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not received a response from Equifax this has been going on since XX/XX/2021 that I reported these fraud accounts. I was told by the representative it would be removed with 4 business days it has turned into almost 3 months
Product: Credit reporting or other personal consumer reports

I have tried to do evrything wright called the creditor back in XXXX they said they would submit an investigation never heard from them again till today then I asked the credit agency to review all the information sent never got any response just stating documentation invalid so no I got tired of that and I am requesting help its been two months since I ever touch the topic again I dont fid it fair that no one gives a straight answer on why is the debt accurate when they have nee sending text messages to my dead uncles phone number I checked with my aunt francis the man has no accounts with the next creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor has any inquirires or called any of these creditors either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3 TransUnion  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax so cease and desist calling my neighbors they do not owe you anything and neither do I
Product: Checking or savings account

This is the third complaint now with regard to Chase Bank. The prior two are number XXXX and XXXX. We have tried to deal with Chase Executive Office, to largely no avail. Substantial funds were stolen by electronic transfer from the account of XXXX XXXX, a resident of XXXX XXXX, California, who is XXXX  years of age ; in fact it is his longstanding retirement checking account. Chase 's own terms and conditions expressly a finite time frame to address this kind of matter, and make clear that records and information will be shared with the customer. Yet nearly one year since the XXXX family brought this matter to Chase 's attention, the Bank has failed and thus we would have to say " refused '' to provide any such records or information. The only item we have received is the Account Agreement itself, which has that very language which Chase has not followed, and which is readily available online. We do not have ( a ) any paperwork to show who changed the account to paperless and then who changed it back, which Chase said happened ; ( b ) we have no paperwork to show where the monies went even though Chase has told us verbally a person named XXXX XXXX was involved ; ( c ) we see on the account statements the funds were pilfered to a XXXX account, but Chase has not provided any paperwork or information about any effort it has made to find out where the funds went with regard to Discover ; and ( d ) we have provided a Declaration under Penalty of Perjury to Chase from the United States Postal Office, attesting to the account statements mailed there by Chase for XXXX XXXX being returned. Chase says it never got anything back from the Post Office, but Chase provides no sworn statement at all. Chase is continually rebuffing efforts by the XXXX  to obtain pertinent documents, records and information from Chase to they may be able to determine who stole the funds. In do doing Chase hurts XXXX XXXX, gives a sense or concern it may be complicit of accountable in/for the crime and possibly thereby covering up. Chase wants to say this is closed which hardly is true. The stonewalling should neither be tolerated nor condoned. Chase is for some reason as far as we can tell hiding the ball by refusing and failing to provide the pertinent records and information as described here. Chase says it will cooperate with law enforcement who communicates with it about the crime, but our communications with law enforcement, both local in California and federal FBI ) indicate that Chase is not cooperating whatsoever with them either. 
The Chase representative is XXXX at XXXX XXXX XXXX XXXX extension XXXX ; fax XXXX ) XXXX XXXX XXXX Chase reference # XXXX XXXX XXXX, email XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased Candy outside a store from a teenager who claimed he was fundraising for his church. I purchased the candy for {$3.00} which was shown on the XXXX XXXX receipt provided to Chase on my claim. XXXX days later the original {$3.00} charge was posted as {$200.00} on my bank account. I filed a claim with Chase and it got denied due to merchant saying customer authorized transaction which i absolutely never authorized a {$200.00} tip. The initial receipt even shows a {$3.00} charge.
Product: Money transfer, virtual currency, or money service

This complaint is regarding Case ID XXXX. PayPal decided this case in the buyer 's favor, even though I provided hard evidence that : 1. The buyer hired me for 8 hours of work ( confirmed via text message ) 2. I completed 8 hours of work ( dates and screen shots provided ) 3. The buyer sent me an email saying " I honestly like your work a lot '' after the work was complete ( email with headers provided ) This dispute was a case of flagrant theft of services from me by the buyer. The buyer is even now using all of the work I did on his website at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

XXXX XXXX Child Support Account # : XXXX XXXXXXXX XXXX XXXX Support Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I was not aware I owed this debt through this collector. I got my credit file this year and saw this. I have not received any communication AT ALL. To top it off the collections " compliance '' manager was completely rude. I do not wish to have them collect me and would rather go to creditor for any imformation.
Product: Debt collection

Focus Financial Services wrongfully billed me and could not validate the debt of {$1200.00}. I do not agree with this collection and would like it deleted off of my credit report.
Product: Debt collection

The collections account on my credit report from Consumer Adj co ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) in the amount of {$650.00} was posted without my knowledge and is the result of fraud. I have never heard of, nor seen, the original creditor " XXXX XXXX XXXX  of XXXX  XXXX '' I am in XXXX, I use XXXX  XXXX at XXXX facility and have never been anywhere else. I also have detailed driving records for every day over the last 5 years to prove I have never been this this place. It is fraud.
Product: Checking or savings account

Citibank has been running a promotion for the past year, where if you keep certain amounts in your Priority savings and checking accounts, they will pay you {$600.00} within 90 days. One condition was that the money must be new to Citibank. 

I attempted to take advantage of this offer twice - both times unsuccessfully. Initially, in XX/XX/XXXX I applied online and was approved for the accounts instantly. However, few days later I received a call saying they are missing documentation, namely proof of id. I provided my US passport. That was rejected. Eventually, they told me US passport is not acceptable for account opened online, and I would have to go to a branch to complete the process. To which I said I did not wish to proceed, since in my mind, US passport qualifies as an ID, and told them to close the accounts. Those accounts were never funded, and in my mind, since they refused to honor my documents, were never opened. 
Then in XX/XX/XXXX, I attempted to apply again - again, online, and again, using my US passport. That time around - they had no issue whatsoever! and accounts were opened and funded with {$50000.00} as the offer required. Starting in XX/XX/XXXX, I kept inquiring about my bonus {$600.00}, each time getting told it would be credited in XXXX. 
Eventually, when I contacted them in XXXX they told me I would not be eligible for the bonus, since I had an account with them previously, and referenced the accounts that they refused to acknowledge due to 'lack of documentation ', and which were never funded. I explained the situation to a customer service rep, and he escalated the case to a research department. The response from them was brief - 'you had a previous checking account opened on XX/XX/XXXX '. 

Epic failure both times - first refusing to accept US passport as an id ( yet accepting it with no issue the second time around ), and then refusing to honor their offer due to the fact they did not allow me to use it back in XX/XX/XXXX. 

It was pretty dismal how they handled my initial account 'opening ' back in XXXX, but to build future failures upon that - is just beyond me. 

By the way, I am a former employee, and should they think US passport is not good enough, they have all the information on me there is. 

Regards, XXXX XXXX.