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

We have a Sappfire reserve card, the highest tier card Chase bank offers, that costs {$600.00} per year. 

The reason we got the card was to take advantage of the rewards travel program that offers credit for booking flights through Chase website. 

We booked a flight in XXXX of 2022, but upon our arrival to the airport we were told that we have no tickets. We have XXXX kids and to say the least it was very stressful. We contacted chase and they solved the problem after about an hour on the phone with them, and we barely made it to our flight. 

In XXXX of 2022 we purchased tickets through chase rewards that were also not issued and chase had to be contacted to fix this issue. Which they did. 

Now we purchased tickets again through chase rewards, for our family of five, and the nightmare began - tickets were not issues. After about 7 calls to chase over many days and more then 10 hours on the phone with them, we got three tickets issues, but the other two are not. Airline company says we have to talk to Chase, and Chase simply can't do anything. Also now we will be all seating separately because all our tickets have been separated. But It's not even clear if we'll be flying at all. 

Chase is refusing to take any responsibility or give us anything for all our troubles and time wasted. 

Their credit card is clearly misadvertised and they sell services that don't work. It is a clear scam on Chase part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, Equifax, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a copy of my Drivers License, Social Security Card and electric bill to Experian for my free annual credit report I never received it. On XX/XX/XXXX I called Experian and spoke to XXXX in special credit services and after three security questions She said I failed and denied to send my report, she said that I would have to wait five days until the information I sent in was processed. On XX/XX/XXXX I called and spoke to XXXX in special credit services and was told that Experian don't have my personal information at all. XXXX told me to upload the information on there sight when I did they want to charge me {$12.00} for my free annual report. Enclosed I am sending you the information I sent to Experian on XX/XX/XXXX and a copy of my XXXX credit report.
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. 

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 seveXXXX 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

XXXX XXXX {$1100.00} XXXX XXXX are dates for disputes I reached out to Experian in regards of a collection account I had no knowledge of. I filed XXXX disputes asking for initial demand letter, also known as a validation. Debt Collection Practices Act ( FDCPA ), which means a debt collector must make reasonable attempts to contact you before sending your debt information to credit bureaus. 

I asked for information and was failed to be provided with
Product: Student loan

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Mohela sent electronic communications to a lender ( myself ) that their 3 direct subsidized federal loans have been placed on an administrative forbearance due to the federal court injunction blocking the Saving on a Valuable Education ( SAVE ) plan ( i.e., a forced forbearance out of the lender 's control ). The lender had been put on the SAVE plan previously, is currently making payments in the Public Service Loan Forgiveness ( PSLF ) Program since XXXX, and therefore this is NOT a processing forbearance. The communications clearly stated that no interest would accrue during this ( forced administrative ) forbearance. 

On XX/XX/XXXX, the lender received an electronic communication from Mohela with a reminder that interest will continue to accrue on all loans under forbearance. However, the communication showed all 3 loans with a 0 % interest rate, and yet also listed an unpaid interest balance totaling {$290.00} for all 3 loans. 

During this entire period between the first communication on XX/XX/XXXX and up to the present day of XX/XX/XXXX, the Mohela website loan details show the interest rate of all 3 loans to be at 0 % interest rate. 

When the lender attempted to call Mohela on XX/XX/XXXX between XXXX XXXX XXXX and XXXX PM EST to obtain clarification on whether or not their loan is indeed accruing interest despite the prior communications, Mohela deflected and disconnected all call attempts. 

The lender has attempted to contact Mohela in the past for clarification on recertification of income, since there is no confirmation that proof of income documents were actually received by Mohela after electronically submitting them on the lender 's end. However, all attempts to gain clarification from Mohela on this have been deflected as well.
Product: Credit reporting or other personal consumer reports

Yes, I disputed these accounts directly with [ XXXXExperian ] under 15 U.S.C. 1681i. They either : XXXX. Failed to investigate properly, violating my consumer rights. 
XXXX. Verified the accounts without providing proof, which is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
XXXX. Allowed inaccurate reporting to continue despite clear errors, making them liable under 15 U.S.C. 1681n. 
The CFPB is currently suing XXXX and Experian for failing to investigate disputes, proving a pattern of non-compliance. Given these violations, I am demanding the immediate deletion of all negative accounts. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to XXXX XXXX XXXX. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. XXXX bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
XXXX XXXX XXXX {$790.00} I contacted TransUnion but they keep saying there is a glitch, or an error on file. They can't remove it they say. TransUnion is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 payment reported in XXXX AND XXXX 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 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 or prepaid card

As a Bank of America customer, Im specifically writing about their actions, but the same applies to XXXX as well. I am extremely concerned about the recent actions these financial institutions have taken to punish American businesses involved in firearms. These institutions are using their market power to attempt to control policy regarding XXXX  and the second amendment. They are denying financial services to XXXX manufacturers and/or retailers who do not comply with their new policies. Policies that go against the protected rights of all Americans. This is completely and utterly unacceptable. Banks are extremely powerful and through these actions are attempting to circumvent legislation and control public policy. Specifically, they are using their power to attempt to limit the constitutionally protected rights of Americans. This is gravely concerning and must be addressed immediately. It is unacceptable for massive corporations like this to use their power to essentially create laws. This must be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed XXXX {$2400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Affirm XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section XXXX ( a ). 15 U.S.C 1681 XXXX. XXXX ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced accounts ; Loan ID : XXXX, Loan ID : XXXX, to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violations for each infraction bringing the total sum amount of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple Dispute letters and CFPB Complains I have been submitting to the Credit Reporting agencies, the Credit Bureaus have been consistent with their negligence and have kept ignoring my requests. How many times do I have to tell the Credit Reporting agencies that I have been a vicitm of Identity theft and I never made the charges nor authorized anyone about these fraudulent accounts. My information has been exposed in the XXXX XXXX XXXX. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The Credit reporting agencies are required to remove the disputed accounts and information from my Credit File under the Fair Credit Reporting Act section 605b, however, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me copies of proof of verification. This is a clear violation of a consumer 's rights Under the Federal Regulation FCRA section 605b. I recently sent a letter to the Credit reporting agencies last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I am expecting that the Credit Bureaus will have the disputed accounts deleted from my Credit File within the time allowed by the Federal law. Once again, I am requesting the immediate removal of the following accounts completely from my Credit File : 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

There are  XXXX  liens on my  XXXX  credit report that do not belong to me. I have asked for verification from   XXXX   and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.   XXXX   is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Payday loan, title loan, personal loan, or advance loan

Spoke with XXXX  today at XXXX XXXX today. Explain that my payment of XXXX has not been taken out. App still says it good. Ach its schedule on Wednesday so on XXXX of XXXX it should of process by payment my bank denied bc Im aware I dont have the funds which the funds/income are applied on Wednesday and the company process the payment early to my bank that it was denied and this company launch servicing charge me for nfs fee. XXXX said my bank declined it on XX/XX/year> why did launch servicing process my payment early if I have ach schedule to process on the XXXX. And what I hate it I been on the phone for more than an hour to speak to a representative to waive a fee. Its been three day when I call later in the afternoon and need to wait half hour and more for an agent than I get tired of waiting and hung the called. Im guessing I need to call way early like I did to get someone. This is harassment for waiting this long I get stress by this company.
Product: Checking or savings account

on XX/XX/XXXX service was performed with a company called " {$49.00} any sewer and drain cleaner " .A check was issued by my office the same day the work was preformed and handed to the worker for {$300.00} made out to the above company .The check was washed and made out to XXXX XXXX for {$14000.00} .The check was put through an ATM at XXXX XXXX XXXX XXXX and chase bank allowed it to go through even though it was clearly altered .We have security on our account that should not have allowed the check to be approved without our consent .We filed a police report on XX/XX/XXXX and notified our bank immediately. We filled out the Declaration of Unauthorized Endorsement or Altered item form and sent it to chase. For 9 months i have been trying to recoup our funds with no return calls and lots of false promises. We are now in XXXX of XXXX and am still waiting for our funds to be returned.
Product: Credit reporting

XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of XXXX.
Product: Vehicle loan or lease

I purchased a new Kia XXXX on XX/XX/2022 and I gave them permission to pull my credit once. Not multiple times for multiple lenders. It was one event to finance through Kia Motors. They have since told me there is nothing they can do about all the HARD pulls. 
There are 5 Hard Inquiries on my credit with the same date. XX/XX/2022 XXXX
Product: Credit card

Never received a credit card from the creditor. On a pre-approved.
Product: Checking or savings account

On XX/XX/2022 there were fraudulent debits taken from my bank account with my debit card at Capital One Bank. The amounts were {$6.00} & {$6.00}. After review the bank refunded these amounts so I conclude they agreed these were fraudulent. Again on XX/XX/2022, {$89.00} & {$89.00} were debited from my bank account by the same company, but the bank concluded these last 2 charges were NOT fraudulent. The bank will not provide their reasoning on how or why they came to this conclusion. I was sent a 9 page letter that in essence states that I did make the purchases on XX/XX/2022. The company is an online company that I have never heard of. Their name is orderlfonlineshop.com. When trying to contact the online company they do not answer the phone nor return emails. I am retired and can not afford to be charged for things I don't purchase. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX. I put {$2200.00} down on the car and financed the additional {$8000.00} with XXXX XXXX XXXX days later I left for Tennessee to take care of my father who had COVID 19. I got to Arizona the check engine light come on along with oil light I checked the fluids and there was no oil in the car. When I left California a few hours priorAll the fluids are full including the oil.I put 4 quarts of oil in it and by the time I got to Texas it was empty again.I took it to a mechanic who informed me that I've been sold a car with a blown engine.I called the dealer and informed him of what it happenedAnd of course he told me he didn't know anything was wrong with the car.I told him I was not making a payment on the car until we either we renegotiated the price of it or until he put a new engine in it.there are laws in place to keep dealers I'm telling people bad cars call the auto fraud.I informed the finance company of what was going on and the finance company tried to pressure me to make the first payment but I had been advised against doing so until a resolve was made as to what was going to happen we can get the price of the car or an engine being put in it.During the time I was negotiating with the dealer XXXX XXXX came and took the car repossessed it when it wasn't even 30 days late yet and resolved had not been made between me and the Dealer.So basically the sale of the car was illegal to begin with because you can not sell somebody a car with that kind of damage to it and not let them know.And before something could even be worked out the finance company came and repossessed it.As well as starring my TRW with a repossession for a car that was sold to me illegally.The dealer attempted to make things somewhat right with me by offering to give me back {$1500.00} of the {$2200.00} XXXX put down on the car and told me that he was taking a loss on the car anyways and that he felt that this. was fairSo if the dealer took the loss on the car then why is XXXX XXXX still trying to collect on itAnd why do I have a repossession on my trwThrough a car that was illegal to sell me in the first place.So now I'm having to file in small claims court to get my money back for the down payment and I want this repossession removed from my credit.They 're trying to collect on loan that isn't even valid anymore anyways since the dealer took the loss on the car.
Product: Debt collection

I have not received any debt validation notices or statements from the original creditor. 
I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. 
I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. 

This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. 

I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent Collections on My Credit Report that are still  reporting. They are LVNV Funding, and XXXX XXXX. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.