23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022
Product: Credit card or prepaid card

This is my second cfpb complaint for this same issue. I have contacted the merchant ( XXXX ) and they have said they issued a refund in the amount of XXXX GBP to Chase for the transaction in question on XX/XX/2022. 

That refund was never posted to my Chase account. XXXX provided the following information via their online chat : Name XXXX XXXX Email address XXXX Order number XXXX XXXX XXXX XXXX code XXXX Name of the bank Chase Account holder 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX 

Please rectify this ASAP as it has caused my card to be at and over limit for beyond a years time. This has been a back and forth at my expense and now the onus is on Chase to rectify.
Product: Checking or savings account

I had a Wells Fargo account. My account went negative due to its inconvenience in my city, its far for me to go deposit money. Once I finally had the time I saw my account no longer existed. I went in person to pay the overdue balance in full ( {$130.00} ) cash at XXXX XXXX XXXX branch in XXXX. I was then sent a letter telling me I still cant have my account back.
Product: Vehicle loan or lease

Balance of {$12000.00} Creditor/Violator : Westlake Financial XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, California XXXX On or about XX/XX/year> Westlake financial entered into an agreement with me to reduce by outstanding loan liability to half after I lost my vehicle in a flood. They wrongfully submitted a letter of guarantee to the insurance for full payment instead of the agreed reduction of half, collected and pocketed the entire amount and refuse to acknowledge the settlement contract between us. Westlake was also involved in usuary loan and excessive interest rates under original loan. I made an amicable demand for settlement/case file but the corporation ignored all my request. 

The settlement agreement was via emailed with an installment plan that was initially paid and began before they received a payout from insurance.
Product: Credit reporting or other personal consumer reports

My account witXXXX XXXX XXXX DEPTEDXXXX, XXXX XXXXXXXX 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 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. 

XXXXXXXX XXXX DEPTEDXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Amazon store credit card through Synchrony credit company advertises in Amazon website that if you apply for their card you can pay off the purchase with up to 12 equal monthly payments given the purchase is more than {$150.00}. 
I have applied for this card only because of this promotional offer and even though I have an excellent credit score ( over 750 ) with a combined credit line of over {$40000.00}, amazon store card only approved me for {$140.00} worth of credit. This limit is low enough to prevent me from using the promotional offer of the equal monthly payment. I find their process of credit line approval deceiving and would like to report this issue.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and I have no idea why. Despite checking my report as usual, I found unexpected discrepancies. I even refreshed my browser in case it was a glitch, but the inquiries remained. Im extremely frustrated and demand that the documents Ive provided be reviewed thoroughly to resolve this immediately so I can stop worrying.
Product: Checking or savings account

On XX/XX/XXXX I paid for a lift using cash app through the XXXX app, after I selected a 20 % off discount for XXXX  in Cash App as I had done on XXXX XXXX. However instead of getting the 20 % off discount I didnt get any discount. So I submitted a question about it on their chat help service, and was told I didnt use cash app pay so didnt qualify. I had no idea what cash app pay was, it wasnt mentioned in the offer I selected, and Ive never seen this service advertised. However Cash App is 100 % adamant that because I used cash app, not cash app pay, they will not honor the discount. This sounds like bait and switch to me.
Product: Checking or savings account

In the summer of 2022, TD Bank offered a bonus for opening a checking account. The requirements were to open the account online and use the code supplied. I tried to open an account online but their website would not let it go through. So I went to a bank branch to see if I could open the account there The bank rep. who helped me open the account, assured me that I could open the account and that she would put in the code and I would receive the bonus. The bonus was to be paid in 6 months. Two days later, before I had actually made a deposit I was charged for checks. I deposited {$110.00} for a {$100.00} deposit and {$12.00} to cover the cost of the checks. Two weeks later I deposited XXXX. Seven months later the bonus was not paid. I went to the bank and talked to the same rep. who had opened the account for me and she said, after looking through the paperwork and my account, that she would check into it and see why the bonus wasn't paid. I went back to the bank a week later and was told that the bonus was denied because I hadn't opened the account, online, and hadn't entered the code, online. The rep remembered me and said she would appeal because she recalled telling me that her entering the code would be enough. I went back to the bank a week later and was told that the appeal was denied because I hadn't opened the account, online, and hadn't entered the code, online. While the bank is technically correct that I did not follow their printed offer, I would think that bank employees should know when an offer is rigidly enforced and not waste customer 's time. They not only had my money for seven ( now 10 ) months but they had me pay for checks I will never use.
Product: Consumer Loan

I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me
Product: Checking or savings account

On XX/XX/2021 I logged into my Chime account through the application on my phone. I transferred {$1600.00} from a recent deposit of a grant I received to pay back rent from my Chime account to my connected XXXX account. I checked for 3 days waiting for a deposit that never came to my XXXX account. This was not my first time transferring money from this account to my XXXX and it was successful prior to the {$1600.00} I transferred. I sent chime numerous emails and chats complaining that my funds have disappeared. They assured me that if the transfer fails it was go directly back to my Chime spending account. I sent chime my pnc bank statements showing that a deposit of {$1600.00} was never received. Chime continues to deny my claim and even said that my evidence doesnt prove anything. I want my {$1600.00} back from chime they stole my money
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Payday loan, title loan, or personal loan

Someone from payday loan agency is threatening me and harassing me saying they will come to my house and employment. 1st of all I'm unemployed 2nd they assume that I live in XXXX Texas. 3rd I never took out a loan. 4th I don't have time for fake people to be harassing me.

They have called me twice in one month XXXX They won't leave me alone.
Product: Debt collection

This company, Global Recovery Group or GRG, has called BOTH my sisters in New York and Oregon looking for me and telling them they are serving papers to me for a debt I owe and that they have a pending lawsuit against me. They are even calling my sister at her job, even though she has REPEATEDLY asked them to stop. I do not know who these people are and I am horrified that they are harassing my family. Please make them stop. This is very upsetting and could cost my sister her job. I have received nothing in writing from these people and do not know what they want. If this was a legitimate debt, why arent they sending me a letter validating the debt?
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 use 1681. 

XXXX XXXX # XXXX. # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXX. # XXXX XXXX XXXX XXXX, # XXXXXXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting

This debt does not belong to me. I 've disputed it several times. Every time, it drops off of my credit report and then reappears two months later, taking my credit score down XXXX points. The debt seems to be sold to different collections companies over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX CARD XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( Equifax, XXXX, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Product: Credit card or prepaid card

During the course of approximately one year ( between XX/XX/XXXX and XX/XX/XXXX ) I signed up for multiple Citibank products which offered promotional XXXX XXXX ( XXXX  ) miles. This included personal credit cards, a business credit card, and a personal checking account. On each of these applications, I provided my own name, social security number, AA Aadvantage number and was approved by Citibank. For all of these accounts, I met the terms and conditions outlined by Citibank and was awarded the promotional miles after meeting each of the required activities. However, on XX/XX/XXXX XXXX XXXX has without notice or warning, terminated my Aadvantage rewards account and has confiscated XXXX miles that I have earned due to my relationship with Citibank. I have attached an actual photo of a physical credit card offer I used to apply to a personal Citibank credit card and was approved for ; the terms state the offer is for " new accounts only '' and " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. Citibank determined that each new account with a different credit card number is a " new account '' and approved me as such. I want to point out that I fulfilled all terms with Citibank and Citibank did not terminate my account, XXXX XXXX did. I see on Citibank 's current website that terms for Aadvantage credit cards contain new language about not being eligible to receive a new account bonus if one had been received in the past 48 months. However, this language was not on the personal credit card, business credit card, or checking account applications that I applied for at the time and I believe that XXXX XXXX is illegally trying to retroactively enforce these rules. If I were to directly purchase the XXXX miles in my account that were confiscated from XXXX XXXX, it would cost over {$16000.00} so I consider their termination of my account using unfair business practices amounts to grand theft. I was honest on all my credit card and checking account applications, followed Citibank 's terms and conditions, thus the accusation of " fraud, misrepresentation, abuse '' from XXXX XXXX does not apply to me and they do not have grounds to terminate my Aadvantage account. I also want it to be known that I paid real money to Citibank on its Aadvantage products, including account maintenance fees and interest charges because I was using these products with the belief that I was part of the Aadvantage program and I would receive benefits such as earning Aadvantage miles. The fact that XXXX XXXX terminated my Aadvantage account for using these Citibank products is misleading and unfair to consumers.
Product: Debt collection

The statute of limitations has expired on this account. I closed the account more than 10 years ago and the just sent it to XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all XXXX credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Student loan

I set up auto pay with Edfinancial for when my student loans resumed. The XXXX payment went through without an issue. I decided to change the account from which the payment is debited. After the payment was not debited I emailed the company at least twice w/o a response. I tried their chat option on their website - no agents available during their customer service hours. I called and reached a rep who said my payment that was supposed to be debited the XX/XX/XXXX had gone through the XXXX and to give it several business days. After several days went by I called again and they told me i had been lied to that there was no pending payment. I have now cancelled auto pay because this company can not get their act together. I'll pay it monthly on my own. But after I finally did a one time payment, I now get a lovely email from the Dept of Education about a missed payment notice. This is INSANE!!!! Maybe the Dept of Education could contact Edfinancial about how inept they are. I want an acknowledgement letter from Edfinanical verifying that i was told incorrect info about my auto pay and an apology for the hassle this has caused.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX - XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX  XXXX XXXX # XXXX {$2700.00} XXXX  XXXX # XXXX {$2400.00} XXXX XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted Eperian, XXXX, and XXXX XXXX  via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.
Product: Credit card

I was looking into getting beauty treatments with XXXX in XXXX, IL. The representative mislead me to believe that it would only be a soft pull with my credit and that I would be charged on a " as you receive the service '' basis. At the end of the conversation after she had explained this, I told her that I did not want to move forward with their services because I felt like she was incredibly misleading as to how the payments would work, and that it is completely wrong to saddle someone with nearly {$5000.00} before they have even received your services. She responded saying that she was sorry that I felt that way but that everything was in writing. She purposely rushed me through everything and when I expressed some serious concerns she did not care in the slightest ( as referenced above ). I have now been sent a bill on XX/XX/2023 for {$4800.00} from XXXX XXXX, and I have no appointments scheduled with this business and have received no services from them. This is completely and utterly unethical. I would like to see if I can get this removed from my credit report immediately and get this business to do the right thing by removing this bill.
Product: Mortgage

I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, XXXX XXXX.