23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute matters with the student loans XXXX, SC State and XXXX inaccurately reporting late payments. This been going on since XX/XX/XXXX. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had Covid-19 this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and XXXX because this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX child support enf Ag/N acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

1

5 U.S.C. 1681 section 602A. 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.
Product: Mortgage

1. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 2. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 3. MY INTEREST RATE WAS RAISED TO 5.375 % -- -BANK DID NOT PROVIDE ADEQUATE DISCLOSURES OF THE INTEREST RATE HIKE 4. EARLIER THIS YEAR I SENT IN INFORMATION FOR DIRECT DEPOSIT, IT WAS NOT ACKNOWLEDGED ... AND NOBODY FROM KEY BANK CONTACTED ME TO RESOLVE ... .INSTEAD THEY JUST REPORTED MY ACCOUNT AS DELINQUENT TO THE CREDIT BUREAU 5. KEY BANK CONTINUED TO CHARGE FEES TO A DEBIT ACCOUNT I HAD WITH THEM ( WHICH HAD A POSITIVE BALANCE ) ... UNTIL THE BALANCE WAS NEGATIVE {$270.00} AND THEN INSTEAD OF CALLING ME TO RESOLVE, THEY HANDED THE ACCOUNT OVER TO A COLLECTIONS AGENCY. 

KEYBANK HAS HURT MY CREDIT SCORE WITHOUT EVEN CONTACTING ME FOR PAYMENT AFTER IT FAILED TO PROCESS MY DIRECT DEPOSIT AUTHORIZATION PAPERWORK, IT HAS CHARGED MY DEBIT ACCOUNT HUNDREDS IN FEES WITHOUT ANYONE NOTIFYING ME AND THEN SENDING TO COLLECTIONS. 

THESE ARE PREDATORY BANKING PRACTICES THAT SHOULD BE STOPPED.
Product: Vehicle loan or lease

Hyundai Finance sent me a demand letter for {$830.00} after early termination of my lease. I prepared a rebuttal reconciliation that totaled to {$320.00}. Hyundai billed me for Sales/Use Taxes that do not conform to my lease agreement per the Federal Consumer Leasing Act Disclosure or Michigan law . The demand letter is dated XX/XX/year> and was mailed to me. I received it in my mailbox XX/XX/year>. Hyundai has my email address and has emailed several documents over the course of the lease. They did not email the demand letter nor was I contacted by phone to be made aware of the circumstances and expected payment.

I have attached my lease contract and my rebuttal reconciliation and other documents to support my claim.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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. EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Cherry Technologies accessed my bank account without authorization or even notice, causing an overdraft fee from my bank. My regularly scheduled payments are on the XXXX of the month. However, on XX/XX/year>, Cherry fraudulently took {$30.00} from my account. I contacted Cherry and they agreed they made a " mistake '' but they have not agreed to return all of my funds including the overdraft fee from my bank ( their text response is attached ) Please investigate them, I know this is happening to other people ; protect us. This is my second complaint about this company. It should not be this hard to pay back a simple loan. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Subject : XXXX XXXX XXXX compensation, refund, rebook Message : On Saturday XXXX XX/XX/XXXX, I was scheduled on XXXX XXXX XXXX XXXX. Because of equipment unavailability, the flight was delayed past XXXXhe point of the upcoming layover in XXXX for a connecting flight. 

XXXX XXXX did set up a ground transportation voucher, and a connecting flight from another XXXX XXXX XXXX XXXX 

However, I was not compensated for any meals or the delay. 
In addition, the refund for XXXX has yet to be processed, even though a significant time has elapsed. 
I also need to book travel ASAP for a replacement flight, and a significant refund is being held up for XXXX, in addition the only active XXXX reservation is giving an error message. 
This was booked through Chase Sapphire and this process would be a XXXX times easier if booked through an airline instead of them, but either way there needs to be a prompt and fair resolution to reverse fraudulent charges, and avoid further legal action. Chase is using a subcontractor that is under investigation for abusing consumers. 

XXXX XXXX XXXX customer service rep yesterday, Chase is using a 3rd party XXXX ending in XXXX expiration date XX/XX/XXXX. 
This is instead of my Chase Sapphire XXXX card ending in XXXX, that was billed repeatedly for the original transactions. 
XXXX XXXX XXXX reps were unable to book future travel or process refunds because of the third party payment system info Chase refused to correct. 
There should be notes from customer service reps about my account and the pending transactions that need to be completed. 
I also request a fair accounting of where and when financial transfers are processed and a written trail to document the movement of funds. 
Please kindly investigate, expedite, and process compensation, refunds, and/or flights to correct this most unusual situation.
Product: Debt collection

XXXX XXXX XXXX, An Attorney Law Firm, has been aggressively pursuing myself for credit card debt that had resulted into massive Identity theft. Currently in major debt. The IRS is the place that confirmed these high breaches of personal security and identity theft on behalf of me. The original card was a XXXX XXXX card going back 5 years ago. It already has been issued by the court and my financial situation is now beyond repair.
Product: Debt collection

There is collections account on my credit report with the total of {$2600.00}. This is not the first time this debt has been added to my report. I disputed it last year with XXXX and it was removed from my account immediately. This year it has been added back on. I am not the owner of this debt and I would like it removed and not put on my credit report again. The company name is XXXX XXXX  XXXX. This company has not reached out to me about this debt and has not provided any proof that the debt belongs to me. I will like this removed immediately.
Product: Credit reporting or other personal consumer reports

I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my XXXX and Equifax credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my XXXX and Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the XXXX, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.
Product: Checking or savings account

On XX/XX/XXXX, I called Wells Fargo regarding suspicious activity from XXXX. I had noticed repeated transactions that were pending but they always seemed to reverse. I decided to call to see why this was happening. 

The representative discovered there were multiple transactions that went through since XXXX of XXXX. The representative closed my debit card and submitted a claim for 14 transactions ( I later confirmed one of the transactions was mine ). I was sent a new debit card in the mail. 

From that day on, I called at least once a week to both Wells Fargo and XXXX trying to get a resolution and a refund. The amount of the transactions equals around {$3600.00}. Neither place is willing to concede and put the responsibility on the other. I have even went into a local Wells Fargo to try to resolve the issue, per one of their representatives, and was told they could not help. 

XXXX repeatedly searched my account and did not find the transactions and agreed the charges were not done by me and likely someone copied my card onto another account. XXXX was willing to speak with Wells Fargo with me on the line to help resolve the matter. However, Wells Fargo refused. 

The initial claim ( # XXXX ) was denied. Wells Fargo claimed XXXX provided receipts as proof. I proceeded with the next step up providing screenshots of my XXXX account to show the transactions were not on my account. Again the claim was denied. 

I am frustrated and would just like this resolved. This is causing so much stress. I was always expecting banks to be extremely alert of potential fraud. I do not even recall getting Suspicious Transaction alerts. 

The following are the dates and amounts of the transactions from the claim : XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$350.00} ( Recurring ) XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} ( Recurring ) XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX 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: Credit card or prepaid card

Hello, I signed up for the Chase United Business Explorer card on XX/XX/XXXX. I saw an offer on the Chase website for this card ( see screenshot ) that advertised a promotional offer of : " Up to XXXX bonus miles XXXX miles after {$5000.00} on purchases in the first 3 months your account is open, plus XXXX more miles after {$20000.00} total on purchases in the first 6 months your account is open. 

This bonus offer is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. '' I have never had a Chase United Business Card before, and the only United credit card I ever held before applying for this business card was in XXXX. It was a personal card ( so not the same product ) and doesn't fall within the 24 months stated in the terms above. Therefore, I was eligible. I ( thankfully ) took a screenshot to send to my husband as I was excited and proceeded to click the " Apply Now '' button as seen on the screenshot with the offer and applied. My application was accepted and I received the card about a week later. 

After receiving the card, I proceeded to use it for my expenses. On XX/XX/XXXX, I received the first XXXX miles for spending {$5000.00} ( see screenshot ). I proceeded to use the card regularly and reached {$20000.00} of spending in XX/XX/XXXX. 

A few days ago, on my account within Chase, I noticed that it shows how many miles will be given to you on your next statement, and that the additional XXXX miles were not included in that number. I reached out via Secure Messages within Chase to inquire about why this was the case. They responded that I had received the XXXX bonus already. I pushed back and restated the terms of the promotion I had applied for and they responded with " XXXX, we're sorry, your account is not eligible for the offer you requested. '' ( see PDF for full back and forth ) I then took to calling the credit card line to try to get someone to speak to me. A woman picked up, I explained the situation. She said that the promotion on my account was only for spending {$5000.00} within 3 months and receiving XXXX miles. She said that WAS aware of the promotion that I was talking about however. She said that there was nothing she could to apply the promotion to my account if it wasn't already attached to it. I pushed back, explained that I applied through an " Apply Now '' button ON the promotional offer, read her the offer, and she still said there was nothing she could do. She also said that there was no reason listed on my account for why I was ineligible for this promotion and she did not know why my account didn't qualify. I asked if there was anything else I could do and she said no. 

From where I stand, I was enticed by a false promotional offer on the Chase website. I would not have opened this credit card, paid a {$99.00} annual fee and then proceeded to spend {$20000.00} using the card if it had been the XXXX mile offer that I have seen many times before. The fact that Chase can not give me a reason as to why my " account is ineligible '' only makes this feel even more like a bait and switch tactic.
Product: Debt collection

I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name # XXXX, Account name #, Account name # XXXX XXXX XXXX XXXXAccount name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


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

There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXXXX/XX/XXXX The following inquires were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Student loan

On XXXX, I received an email from DOE that Mohela is transitioning its to a new online account platform. The DOE email did not indicate a timeline. On XXXX, I tried logging in to the existing online account platform, but it did not let me login due to the transition process. On the same day, I called the customer service to ask them 1 ) how much I owe and 2 ) if I can make the full payment on the loan now. The customer service agent did not have information on how much I owed AND stated that I can not pay off the loan during the transition. I then asked when the transition process will be complete. He said " a couple of weeks. '' I asked him if he has a more specific timeline, and he said " a couple of weeks, maybe 3. '' He also stated that my interest will keep accruing during this time, when I have NO ACCESS to the account platform OR any INFORMATION regarding my loans.