23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
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Product: Checking or savings account

I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed
Product: Vehicle loan or lease

We bought a XXXX used car, only because it was only used as a loaner for XXXX yr. It was sold to us as new. The dealership took a while to get us financing, even though our credit score is XXXX The problem was we were upside down on our other vehicle because we traded to fast. In the meantime, my husband said just give us back our other car, but the dealership refused. We hadn't signed any papers. Then a few weeks later we discovered squeaky brakes, which we believe were not dis- closed to us. we purchased the vehicle in XXXX XXXX, and have returned to the dealer- ship five times for service. We got 5 different answers each time. They did say it wasn't a safety issue, but the brakes will wear out faster. About a month ago we actually had an appointment. After we got there the service desk had cancelled it, and said " we can't get the part ". What? You should have the part ready for a legi- timate appointment. We went to the service dept. at least 5 times from XXXX XXXX. 
They are giving us the runaround. We dealt with XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : XXXX XXXX - Opened XX/XX/2023
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. 
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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX you reinstalled a account with out notify me XXXX days in advance that is a violation of the Fair Credit Reporting Act you also have on this account past due this account was sold TO A COLLECTION COMPANY when THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT YOU REINSTALLED IT WITH THE ORIGINAL CREDITOR STATEING YOU HAVE A CERTIFICATEENCLOSED ARE A LONG LIST OF U.S.C. CODES YOU AND YOUR DEBTOR have violated also XXXX XXXX States selling a vehicle without notifying consumer of where and when the sale of vehicle was taking place
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a letter from BC Services threatening litigation. I have not received any prior letters from this company regarding the debt. I called their customer service number and was told if I didn't pay or set up a payment plan I would be sued and would have to pay lawyers and court costs. I told them I had not received any prior notification from them and wanted an itemized statement to validate the debt owed. The lady told me it wouldn't stop the litigation process and the case would still be brought to court. I set up a payment plan to stop the litigation process but am still wanting verification of the debt which I have not received. It is my understanding that I have the right to request validation of the debt and an itemized statement and that collection activities should cease until I receive this information. According to BC Services that is not the case and I apparently have no opportunity to review or dispute the debt at this stage.
Product: Money transfer, virtual currency, or money service

I went to purchase a camera from a seller on XXXX  and sent a payment to the amount of {$550.00} on XX/XX/2022 via XXXX through JP. Morgan Chase. The transaction proved to be fraudulent when the next day ( XX/XX/2022 ) i contacted the seller and discovered that the item was never in their possession to begin with. I tried to get my money back from them and they refused and ceased contact. I tried to dispute the charge with the back but they claim not to be able to recover funds lost to scams. I then researched similar scams and found steps to take to dispute/recover scammed funds and am now filing this complaint for help doing so. 

Below is attached a screenshot from the seller confirming my payment for {$550.00}, my name included. And what I assume to be other similar scams done to others.
Product: Credit reporting or other personal consumer reports

15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete XXXX  reported on XX/XX/2024 evidence is attached below
Product: Checking or savings account

I received a text message XXXX XXXX for fraud charges being stopped however my card had already previously been being used NOT only did the bank NOT notify me earlier they didnt help. They claim that a code was sent to my phone to use the card ( IN PERSON ) because was online charges. The traction clearly states the card was used in person. I was at work when my card was being used in a whole different state. Chase told me I could not submit that as proof that wasnt me. Ive never known a code to be sent for using a card in pers. Never got a text about my card being used till days later and I NEVER used that card ever in person for over 5 years let alone in the state it was used therefore they should have notified me. They refused to refund me and told me to reach out to each company individually to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to buy a house but I had a freeze in my account from equifax. They couldnt run my credit because of the freeze. I called them XX/XX/2016, XXXX, XXXX, XXXX, and XXXX i called last on the XXXX to try and resolve the issue. I sent them documents they needed via fax on the XXXX and they still couldnt verify my identity and lift the freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish account information without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Checking or savings account

I had XXXX dollars deposited into my checking account thru Chime on XX/XX/2022, the following day on XX/XX/2022 Chime took the XXXX dollars out of my account and then closed the account. I emailed them in regards to this and they stated that my account had been closed due to not using it for an extended period of time and that I was not eligible for a refund. I told them I wanted my account reopened and my money put back into my account or sent back to the person who had sent it to me the day before. Within 4 days they had my account back open but did not put my XXXX dollars back into my account. I have called them multiple times in regards this and spoken with many representatives and multiple supervisors within the dispute department as well as customer service. Everything I call they tell me something different and say they can't help me. They tried to tell me my money was sent to the state after my account was closed so I had the supervisor walk me thru getting on the state website to look the money up to claim my money and there is no record of them sending my money there and no way for me to claim the money. They are refusing to help me and or to give me my money back. This has been two months of me calling them and I just got off the phone again from speaking with supervisors from both departments of member services and despute departments and they me there's nothing they can do it's not there department.
Product: Vehicle loan or lease

This is an ongoing dispute. The electronic/online inforation concerning my payments submitted, payments which have been made, and the accrual of interest penalites are all messed up. 

For example, I made a payment on XXXX and the electronic information I received back listed the payment as being made XX/XX/XXXX ( photo evidence provided ). 

When I go online to see when next payments are due, the statement reads the previous month 's data, not this month ( photo evidence provided ). 

I pay early, but I believe- because I do so, my payments are incorrectly listed as being me attempting to pay down the loan- the payments are not applied to that month. This results in my being unfairly charged exorbitant interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX bankruptcy LAST YEAR XXXX! My accounts have been CURRENT before the bankruptcy. As a matter of fact, they are getting ready to be discharged due to me being XXXX XXXX XXXX  XXXX XXXX veteran. They blamed the credit bureau for the mistake but transunion is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my transunion report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

The definition of Scam is " a deceptive act or operation ''. Representatives at XXXX XXXX asked if we wanted to get rid of our Timeshare weeks and we did want to, so we spoke with them. We would not have spoken to them if buying another XXXX XXXX was ever mentioned. We were told our timeshare weeks would be off our hands in 2-4 weeks with an added benefit of a Vacation Club.. We paid a lot of money to have them take our weeks and after 6 months of back-and-forth phone calls and emails we had no result, I asked for a refund and was told no. They said that we bought a XXXX XXXX and not a Transfer from XXXX XXXX. Also, that the company is not responsible for anything that their representatives promise. My emails with the representative were very clear and more promises were made. I did not want another XXXX XXXX since I belong to XXXX and have another resort in XXXX. After staying for 7 days and went back to work XXXX  i found out that my contract ended, and I Immediately sent out an email letting them know that I would not be able to make monthly payments and to cancel my contract. I was told that I was 7 days late according to XXXX laws. I have been dealing with them for years and now being stuck with a bill for over XXXX and never used the place. I think this is wrong and the government should do something about this alleged account.
Product: Checking or savings account

The bank allowed a scammer to take over my account and deposit checks from our of state. From a computer or phone I dont know between XXXX XXXX XXXX. I wasn't a were of this happening at all. The Bank of America that I have had an open and good account with over 10 years. All they said was I did it, its my fault and when am I going to pay the money back.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report from Experian and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b, 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 bysection 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave them, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit reporting or other personal consumer reports

NAVY FCU - XXXX The balance and/or past due are/is incorrect The amounts, other than balance and/or past due, are incorrect The credit limit and/or high balance are/is incorrect The payment history/rating is incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear all, I had a settlement with American Express to pay my debt in 24 months. 
I did pay the settlement in full but on my credit none of the payment have been reported. Now it is still saying that I have to pay my debt in full on my credit report when I have received a letter saying that the settlement has been paid in full and no further collection efforts will be made.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
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. 

Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.