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

XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX Bill-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of covington of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or 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

I have an account reporting on my credit file that is not mine. I have disputed the account with XXXX XXXX and EQUIFAX. Please investigate and remove the items. Both XXXX XXXX and EQUIFAX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts with the following companies were 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 ( MONTHS REPORTING 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.

The following companies 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: Checking or savings account

My only business account was closed by Bank Of America. Didnt say reason However, mentioned if balance after closing. they will send it to me I received BUSINESS CASHIER 'S CHECK pay to XXXX XXXX XXXX. 

My business & account were closed. 

I called support and w as s advised to go to bank and cash out. 

i went to 2 financial center. both refused an
d said they dont cash any cashiers check even if it comes from Bofa XXXX 

I got verified on their system via ID, DOCUMENTS and Short Codes sms. 

They REFUSED to cash their own bank issued cashier check.. furthermore, told me deposit it into my personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX 1. refuse to block accounts identified as ID theft after I submitted required documentation on 4 separate occasions.

2. refuse to provide full file disclosures after written request 3. Refuse to provide method of reinvestigation after written request 4. Refuse to provide documentation provided by furnishers to verify account after written request
Product: Credit card

This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''
Product: Credit reporting or other personal consumer reports

That is inaccurate 1st advantage said only certain States I must have scope limited of what can be shown, which is false that is illegal only federal charges can be exposed, State charges can not be exposed in the international data base because separate Powers by the states, because each state have its own Constitution, felonies are only to be exposed for 7 years, that's the United States Constitution. They gave me an email to file dispute, then when I contact them on the email, they gave me another a phone number to contact.
Product: Payday loan, title loan, or personal loan

Loan discharged in bankruptcy chapter XXXX, Bankruptcy XXXX XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the company myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged on XX/XX/XXXX. 

This is my second complaint against this business. The first was caused by falsly accusing me of providing an nsf check which they then attributed to a mistake and not coercion. 

This business needs to be investigated for their practices.
Product: Checking or savings account

I had problems with Chase Bank. I opened an account with a company that told me I was their employee and sent me a paycheck. When I went to deposit money in my account I found that the company was fraudulent. As soon as the check cleared, they started scamming my identity and demanding money from me. They claimed to represent the XXXX XXXX  XXXX  company. I found the job online by searching indeed or another job website. Unfortunately, I'm unable to open a Chase Bank account. Because of this, it is always closed down by fraud every time I try. At the window, I immediately asked the representative to cancel the check since I think I have been the victim of fraud. A representative from the job called me and began to scam me over the phone. They threatened my life. I was horrified.
Product: Credit card or prepaid card

Hi! 

Date : XX/XX/2022 Amount : {$1000.00} XXXX  : Reverse TPI XXXX Lodging : My situation : I was looking for a stay at a Hotel in XXXX XXXX on XXXX app. I had previously booked on that same website using my Citibank Costco Visa card to reserve a hotel and had been able to cancel because the offer said : Free cancellation. There was no problem. Me and my friends were looking for the best option for us and we wanted a Free cancellation offer. We were consciously looking for that. So we found a new hotel that was a better option for us. So I did the same thing, I had my friend on the phone and we both reviewed the offer of the hotel we were interested in and it also said : Free Cancellation. I wrote my card information to reserve the room, but suddenly I was charged the full amount on the spot. I got really scared because that was not what was supposed to happen. I only wrote my card information to reserve the room and pay at the end of the hotel stay by dividing the total between three persons ( XXXX XXXX XXXX XXXX ). But XXXX charged me immediately. I called XXXX customer service several times the same day to explain what happened and cancel the transaction and they never answered me. I spent a lot of time on the phone. Out of anxiety and fear, I canceled my Citibank Costco Visa card and reported the suspicious and fraudulent activity. I have already made two claims to the credit company and still they are blaming me and making me responsible for paying the money. I was never in the hotel, I did not stay in the hotel. I called the hotel several times to notify the situation and ask how they could help me, and they told me that they couldn't do anything because I made the reservation through XXXX and they are the ones who " can answer me ''. It happens that XXXX customer service is the worst, they do not help you at all. It is very difficult to contact them. They leave you waiting, they are unreachable. I feel very upset, anxious, frustrated. This situation is unfair and I feel that Citibank Costco Visa is penalizing me. I don't want to pay for a stay I didn't go to. It is unfair. I knew that XXXX was going to charge me immediately, I wouldnt use my credit card because my credit limit is basically that charged amount and that was going to affect negatively my credit score. When all of that happened and they charged me for that amount, I received a receipt that said : Cancellation cost : Non refundable. Thats shady and fraudulent because the offer was free cancellation at first and then when the charge was made it said, non refundable. Thats shady, thats lying, thats taking advantage from technology to manipulate situations. For so many reasons, this situation is unfair and I feel powerless because these big companies win all the time. I dont have {$1000.00}. I dont have that money. Please, help me. Something shady that happened is that I was unable to cancel the reservation in the app. I signed in in the webpage and the reservation didnt even appear. It was very confusing.
Product: Student loan

On XX/XX/XXXX I received email notification that my loan provider Nelnet was rebranded to Sloan Servicing and no terms or conditions of my loan would change. My monthly payment amount to Nelnet of {$420.00} has been due on the XXXX of the month since XXXX. I have not missed any payments since that time and frequently paid a little extra. I received my first bill from Sloan Servicing around XX/XX/XXXX which had different loan terms including an increase to my monthly payment to {$450.00} and a due date of XXXX of the month. They also notified me of a past due amount of {$38.00}. When I called Sloan Customer Service to dispute these changes they couldnt explain them and told me my information was not accurate. They kept me on hold for over a hour and promised to call me back, but never did. They also XXXX my ability to view or download prior billing statements.
Product: Debt collection

This company Portfolio Recovery has posted a debt collection to my credit report. The amount is {$380.00}. I sent written communication via certified mail on XX/XX/XXXX of XXXX  requesting proof that this debt belong to me and this company did not respond. Acct number is XXXX  XXXX.
Product: Credit card or prepaid card

Hello there, I have a problem with Wells Fargo Credit Department that I applied for XXXXXX/XX/XXXX by Wells Fargo credit card twice last XX/XX/XXXX and XX/XX/XXXX. Wells Fargo Credit Department sent same letter to me that they are unable to verify my identity in XX/XX/XXXX and XX/XX/XXXX. Their reason specified : " Identity can't be verified '' Their claim is false not true that I believe based on the facts. I already provided additional documents of my identity : utility bills, driver license, social security card at Wells Fargo branch office last XX/XX/XXXX in XXXX, Maryland and the branch manager of the Wells Fargo verified my documents for identity and submitted them to Credit Department at Wells Fargo. Credit Card Wells Fargo still refused to accept them and declined my identity for confirmation and card approval. Again this XX/XX/XXXX they approached me same reason of the decline of the card application : Identity can't be verified. I called Credit Card Department at Wells Fargo and they asked me to accept their passcode text that is not available on home phone. I asked them to send security code through SMS but they refused. I asked Wells Fargo Credit Card Department for alternative option to send a security code by email or text message or another way by mail. They refused. I provided my identification and additional documents at Wells Fargo branch office. Wells Fargo Credit Card still declined them. Their same reason : Identity can't be verified. I believe that they are doing abusive process and already burden the process and blocked me as a consumer for equal consideration and options for solutions. I believe that they discriminated me.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Product: Student loan

Back on XX/XX/XXXX. I ask about being put in a payment plan. Was told my monthly payment would only be {$270.00} a month. I double with the agent on the phone if that amount applies for all three of my loans. My loans are 1-09 XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I check my bank account didnt see no payment come out so I waited until XXXX, XXXX to call and in check to see why my payment wasnt taking out. Ended up making a payment over the phone. About two weeks go by and I received a call saying I havent made a payment. This guy was very aggressive and practically forcing me to make a payment. So I hung up and call to speak to someone else. The other agent and supervisor came on the phone the told my payment was applied wrong and my account is fine. Another two weeks go by and I received a call saying my payment as been reapplied to the correct loan but I still owe a payment of {$270.00}. So they began to explain to me that my third loan ( XXXX XXXX XXXXXXXX ) wasnt being paid and I was past due since XX/XX/XXXX to now. So totaling over {$570.00} dollars. So I told the agent I would check my account and call back to set up a payment. Spoke to an agent on XX/XX/XXXX and set up a payment for the third loan XXXX. Ask the agent if I would receive an late payment on my credit report. The agent told me no since I set up the payment and also remove the late fees plus place me in a disaster forbearance program to help bring my account back up to current since I was going through so much confusion. Well I get an email XX/XX/XXXX stating my loan XXXX posted past due on my credit report and now Im minus 77 points. I dont understand how this is my fault when I been give misguided information for the past two months.
Product: Credit card

Hi there I had a account with synchrony bank ( paypal smart connect ), This account was sold to XXXX, Which was was then handed over to XXXX XXXX XXXX. I have settled the entire case with XXXX XXXX XXXX.
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. 

XXXX XXXX XXXX  : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX,, XXXX  : # XXXX, XXXX : # XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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: Vehicle loan or lease

I purchased this vehicle from XXXX online I had a 7-day test trial the vehicle had over XXXX miles. After driving the vehicle for 3-4 days, I advised the company that the car was not shifting gears correctly. On the sixth day of having the vehicle, I advised the company that car would not start s and I was left stranded they sent me to a local service station where I was given a new battery and I advised the mechanics to check for possible transmission issues I was told that the vehicle was fine. Within 90 days, outside of my XXXX-mile warranty, the car transmission gears continue to shift and I continued to have issues with the vehicle. The car transmission went out and I was left with no vehicle it sat in a service shop until XX/XX/2022. The car was repossessed because I stopped making payments on the vehicle because I advised the company and the XXXX dealership the the car was having transmission issues from the very beginning. I recently viewed my credit report and noticed the company wrote off the car for XXXX before repossession of the vehicle. I knew from the very beginning of the loan contract that the transmission had issues I kept taking it to their service center that passed the vehicle with flying colors. I am a XXXX XXXX  and the loss of the vehicle cost me income. I believe that XXXX sold me a defective vehicle knowily.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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. 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: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX I received an email to my personal email account about a new Chime account that had been opened in my name. I did not open this account. I simultaneously received an email about a new login into " my '' Chime account from an android device in XXXX, Texas ( which was not me ). I originally brushed this off as spam to try and get my personal information but became more concerned when I received additional emails from Chime that seemed more official about welcoming me, sending me a new debit card, and also receiving a referral bonus. At this point, on XX/XX/XXXX I contacted Chime and let them know that there had been an account opened in my name fraudulently and to please close said account and to additionally advise me on what to do. I received an automated reply saying that they had received my email and I have heard nothing further. However, hours later, I received an email that {$200.00} had been deposited into my Chime checking account, which unlocked the debit card feature. Additionally, this afternoon on XX/XX/XXXX, I received a series of emails. The first explaining that my credit builder card had been shipped to my home address, and several emails following of several different people sending me a " {$5.00} XXXX XXXX '' which unlocked the account 's " XXXX '' feature, all followed up by a purchase at XXXX of {$360.00} to " XXXX XXXX '' that was approved and was " spotted '' {$60.00} leaving the account balance at- {$60.00}. At this point, I looked up the procedure on how to handle fraud and since I had already emailed the company Chime, I reported fraud to the credit bureaus. I also attempted to make this account unusable by whoever was using it by trying to recover this account 's password and then changing it, but when I submitted the " forgot password '' form, and instead of the security code going to my email, it went to a phone number that I did not recognize ending in XXXX. So I could not do anything further so I then sought to file a report with the Federal Trade Commission which redirected me to the Consumer Financial Protection Bureau.