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

A few years ago I made a purchase with my Bank of America card that offered 3 % back for online purchases. I checked the list of retailers and types of purchases that would or would not be covered prior to my purchase. The merchant I ordered from ( XXXX ) appeared to qualify. 

When I did not receive the 3 % back, I inquired with BOA and they confirmed there seemed to be no reason I would not receive the 3 % back. However, they further informed me there was nothing I could do to receive the promised credit. I asked if as a courtesy I could receive the credit. They said " no. '' I further asked in the future how I could determine if I would receive or not receive this credit. They told me besides looking at the list ( which did not work in my case ) there was nothing else I could do. I subsequently stopped using this card. 

I am aware BOA has been ordered to pay {$100.00} million to customers for illegal actions including " withholding reward bonuses explicitly promised to credit card customers. '' Regarding this purchase of {$200.00} on XX/XX/2019, BOA owes me {$6.00}. 

Note : This is almost 5 years ago and if I remembered the wrong purchase, I encourage BOA to look into my account and find the correct date and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for loan with XXXX and can not get any information regarding such loan when asking for documentation the company university XXXX XXXX just keeps putting in a email to there own employ who is in charge of XXXX affairs and she does not respond with any information about this loan. Every time i dispute this on Experian  it comes back as accurate and will not be removed off my credit report. 


This is a email showing that the brr has called on XXXX XXXX, XXXX of XXXX and on the XXXX of XXXX asking for the promissory note to be sent to him showing he did sign up for the loan. To this day we have not gotten a response back yet. 

If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, XXXX XXXX Customer Service Representative XXXX, a XXXX company Phone : ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Checking or savings account

I was paid my work check from XXXX XXXX XXXX XXXX through XXXX and my account was flagged a money was so called returned. My boss never received any money back to his account where the money was took from. Now I am out of a work check due to Chase Bank And I am having too much of an issue receiving my payment.
Product: Credit card

In XXXX, I called PNC to report a compromised credit card. The card was closed, but the access to all credit card statements was precipitously removed from my online banking. I had a cash reward due to me but was unable to redeem it. After multiple calls, I did not receive any new card or information about the account until XXXX, when I was notified of a balance due and a late fee. On XX/XX/XXXX, I paid a balance of {$47.00}, and the late fee was waved, due to all the problems with receiving the card and the lack of access to any statements. I was told access to my online statements would be restored. However, it never was restored, so I never used the new card after I finally received and activated it. 

Today ( XX/XX/XXXX ) I received an email stating I owe a {$25.00} late fee. After several more calls, I was told that no one could se the old credit card statements, and that I already had online access and nothing could be done because " we can't waive XXXX late fees '' from XXXX. I was told to use a username from XXXX years ago and create a new password because PNC is no longer linking the credit card to my business account, even though my personal and business accounts have been linked since inception. I did as instructed and was STILL UNABLE to access the credit card statement. I refuse to pay a second late fee when I have never been able to access the account information, have not been able to redeem credit due me, have not used the new card, and no one has restored online access, NOR snail-mailed me ANYTHING about this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX in the amount of {$1200.00}, requested for validation and has not been provided. There are multiple errors with the reporting and have submitted multiple disputes requesting validation of the debt in my name. I have reason to believe this is not my debt and am falling victim to identity theft.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 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

I am writing to dispute the inaccurate information present on my consumer report, which all three major Consumer Reporting Agencies have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report.

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity.

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.
Product: Credit card

I have a XXXX month no interest promo on my account for purchases starting XX/XX/year>. I paid all of the charges that occurred before XX/XX/year> on time. Every month since then I have been charged a {$1.00} minimum interest fee and there is still a balance showing that is accruing interest. I spoke with someone in XXXX and they reversed the incorrectly applied interest charges and said that it would not happen again. On the subsequent XXXX statements I have also been charged the minimum interest fee. 

The major issue here is that my payments are not being applied properly and as a result Ally is able to collect additional interest. In my case the interest is not that significant but it should be refunded nevertheless. I am more concerned about how widespread this practice is because it appears that their payment systems are not applying payments according to the law and they are not honoring the terms of the promotion.
Product: Vehicle loan or lease

I was in a no fault accident. I was hit from behind in a 4 vehicle collision in XX/XX/2018. and the car was not driving as it should have commerce agreed to pay car off in full credit acceptance agreed to communicate with commerce claims to get money for vehicle and commerce is giving me a hard time with paying off car so now credit acceptance taking attitude out on me threatening me to take to court and ruin my credit. I received about 2-3 calls a week after I asked them to please stop CALLING ME I HAVE NO POSSESSION OF VEHICLE. XXXX XXXX agreed to pay off car so they need to deal with commerce I have not had this vehicle since XX/XX/2018. I explained manny times this has affected my health drastically and interference with mental health causing more medical issues because of panic attacks and harassment. I explained I get XXXX social security not working. They are inconsiderate and yell and argue with me like crazy people in Street. Unprofessional and inappropriate customer service. They always say OWELL YOU REQUESTED LOAN NOT US.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. TELECOM SELF-REPORTED XXXX, UTILITY SELF-REPORTED XXXX, TELECOM SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX-XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 60 days 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  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 XXXX
Product: Student loan

Mohela is currently having system issues and reported that my student loans increased which has negatively impacted my credit score.

My student loans are in forbearance and interest is not accruing at this time. I have graduated and not taken out loans in years. The Mohela website currently states I do not have to make payments at this time. There is no activity showing on my account which would show an increase in debt.

When I called Mohela the wait time was 3 hours. After being on hold for 30 minutes I was booted off the call.
Product: Student loan

Nelnet has been holding my student loans out of the PSLF program since at least XX/XX/year>, possibly longer. I had loans through a different loan servicer that were consolidated and sent into PSLF within 3 months but nelnet is still holding my qualifying loans after almost a year. I've submitted my request to transfer my loans into PSLF with Nelnet multiple times and have received zero answers as to why the process is being delayed. The typical transfer time for these loans into PSLF is 60-90 days. It's apparent Nelnet is deliberately delaying this transfer process.
Product: Debt collection

Oops, sorry my initial complaint two weeks ago was with the wrong company- below is the correct company. 

Global Credit & Collection Corp Debt collection keeps calling my job and I have instructed them do not contact me at my place of employment. My job strictly prohibits scammers, debt collectors, or other third party entities. They have also, utilized a new tactic by calling and hanging-up, I consider this to be harassment. 

Currently, I'm working to resolve my debt with XXXX XXXX.
Product: Vehicle loan or lease

I got this auto loan and there are fees on this that are against a Fair credit reporting truth in lending and a bunch of stuff I know the cfpb and New York State attorney general has a class action lawsuit against credit acceptance I look for updates all the time I am having a hard time getting this removed off in my credit report the car blew up in XXXX I contacted them right away they wouldn't work with me they wanted their money and I completely understand that but at the same time it was going to cost over {$5000.00} to fix this car it's a XXXX XXXXXXXX it's not a brand new car I'm doing everything in my power so something is done about this it's getting to the point where I'm going to have to take a legal action myself because with everything inside me they will not get away with this so-called fraud I was looking on my documents and it said {$910.00} to be paid to others on my behalf what is that all about I want them to explain that to me and my down payment? My down payment wasn't even taking off the loan I'm going to attach my loan document so you can clearly see that they took {$12000.00} and then they added my down payment if my down payment would have been subtracted off in this loan and I wouldn't have been charged XXXX interest and the XXXX as well as others that I got charged this car would have been paid off this is not right and I know you guys at cfpb know that this isn't that right that's why you guys have an open class action against them and that's why credit Acceptance stock market is declining I already know they paid Massachusetts XXXX XXXX back to customers that they frauded something needs to be done with this company it's not fair that they take advantage of people with low credit and low income that's totally wrong they have no conscience either about what they're doing and that's so unfair as long as their wallet is fat that's all that matters to them and that's wrong because she now I am stuck without a vehicle and I can't get a loan know-how and they're flagging my account constantly they've even ran hard inquiries on my credit report they've even called me on a Sunday when I was having dinner with my family at XXXX in the evening I'm going to contact my phone company and get a printout of the phone calls since the car got repoed they won't even tell me where the car is located unless I make a payment I've got stuff in there that I need back that means a lot to me I really truthfully did not think that they would come and get it because of the year and the motor was gone but I was dead wrong on that
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim of identity theft.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity go this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XXXX a couple accounts one being OUTDATED address and a fraudulent inquiry that I informed them of once before any inquiry that is not tied to an open account is fraudulent and I did not make and a couple UNLAWFUL AND ILLEGAL LATE PAYMENTS that Equifax refuses to delete the law is clear upon these matter 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions and experiences are not part of a consumer report but they refuse to follow the law and delete these inaccurate accounts that are reporting this information below XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX XXXX : Late Payment Reported XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX I did not give written permission to report anything to my consumer report and they did not have Permissible Purpose by law to furnish any private or personal information to any Third-Party Reporting Agencies I will attach all disputes which are over the 30 days and they havent responded maybe you can light a fire up under them this time