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

While traveling over XXXX, I accidentally missed a payment on my Chase Freedom credit card that was due on XX/XX/2022. The amount due was {$2000.00}, and as soon as I noticed my mistake 4 days later I paid the full amount of {$2000.00} on XX/XX/XXXX. 

I knew that both a late fee and interest on the balance would be charged, and sure enough the next statement from Chase charged me {$42.00} in interest and {$28.00} in Late Fees. The statement was dated XX/XX/XXXX and covered the dates of XXXX - XXXXXXXX XXXX. My payment of {$2000.00} on XX/XX/XXXX was included on this statement. 

That bill was due on XX/XX/XXXX, and I paid the full statement balance ( including the interest and fees ) on that date. As far as I was concerned, that was the end of the fiasco - I had paid the full penalty that was owed due to my missing the XXXX due date by 4 days and my balance was back to XXXX. 

On XX/XX/XXXX, a new interest charge of {$19.00} was charged to my credit card and included on my statement of the same date. I called Chase to inquire why I was once again charged interest on this statement, even though I had paid my bill in full on XX/XX/XXXX and again on XX/XX/XXXX ( the latter payment also covering all fees and interest charges accrued in the 4 days between my XX/XX/XXXX due date and my XX/XX/XXXX payment date ). 

Chase responded that because of my late payment, there was an unpaid balance on my account that continued to accrue interest throughout the month of XXXX until my payment on XX/XX/XXXX. There was no indication in my online account portal that any such charge was accruing, and the statement dated XX/XX/XXXX made no mention that any balance was accruing interest. It simply stated the amount that was due on XX/XX/XXXX, which I dutifully paid in full on that date. 

Despite the fact that they did not provide me any communication that there was a balance accruing interest daily ( or even include this information on my online account portal ), Chase flatly refused to reimburse the {$19.00} they charged in interest on the XX/XX/XXXX bill. 

In short, Chase charged me interest without communicating to me that this was happening and refused to reimburse me for it. I do not believe this was either fair or ethical.
Product: Debt collection

This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.
Product: Student loan

On XX/XX/2024 my XXXX private loans were transferred from XXXX to Mohela. I then submitted the School Misconduct Application through the online portal with Mohela on XX/XX/2024. This would be the second misconduct application I sent. XXXX with XXXX & XXXX with Mohela. XX/XX/2024 I received email notification that the application was denied. When I was able to review the notice in the online portal I noticed it was just a copy & paste response from XXXX. Which reads as follows : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' The only thing that changed in the notice was the logo in the upper right of the document, ( please see attached documents for reference ). This is clearly an auto generated reply. Which makes me question if my application was considered at all. Especially considering The Illinois XXXX XXXX XXXX XXXX which I attended was found to have committed substantial misrepresentation that borrowers relied on to their detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between XXXX  and Equifax. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2 credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for XXXX  is XX/XX/XXXX, but Equifax shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX XXXX XXXX XXXX be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!
Product: Credit card or prepaid card

I did not want my XXXX account to be closed, and was locked out of the card. I made numerous attempts to access the card and use it before the card was shut down, and Synchrony bank was not accessible for help. I would like for my Amazon store card to be reinstated. There is no reason that the bank closed this card on me rather than helping me access it. This hurts my credit score because it is one of my oldest cards, and this is not right. I have been trying to recover my account from some issues and was locked out of this account. Please assist in reinstating my XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Mortgage

I signed loan documents on XX/XX/2022 for a HELOC with Regions Bank. Based on issues with the process, I confirmed to management that I did not wish to proceed with the loan, within the recission period. They indicated that the loan and application where withdrawn. They then proceeded to encumber my property by recording the {$25000.00} lien without funding the loan. I am not being prevented from finalizing a new loan with a new lender based on their error in recording an unauthorized lien against my property
Product: Mortgage

Well, they 've all come out of the woodwork since we 've filed chapter XXXX - XXXX ( atty for all ) ; XXXX, Selene Finance, XXXX. All trying to get a piece of the pie. As I 've informed you in prior correspondence, this mortgage was fraudulent from the " getgo ''. Charges on my mortgage statement were unverified ( i.e., no trustee ( non securitization from XX/XX/XXXX thru XX/XX/XXXX ), no deliverance of deed ; no title policy, and an impostor posing as the lawyer of record for closing ( a letter should be in your file from the closing atty reading he was not present at the closing and he denies the signature being his - FRAUD ). I 've tried over the years to explain these fraudulent acts to XXXX, Selene, and now XXXX ( though we have not received anything personally from XXXX and no Assignment is listed in the county clerk 's office. ) The only letter I received with anything to do with XXXX was a letter dtd XX/XX/XXXX XXXX, which I received last month - XX/XX/XXXX - copy of envelope attached ). As you can read on the letter, my address is erroneous ( XXXX ). They also have me address on another letter from XXXX, representing Loancare, dtd XX/XX/XXXX as my address being XXXX. I guess I reside at the courthouse. No wonder I had a visitor at my door trying to get in because she was told by XXXX or XXXX that the home was empty - LIARS. How can you turn acts that are illegal, and try to make them legal. Perhaps the courts turn a blind eye. We feel we should have been granted a " RESTRUCTURING '' of the Mortgage because of the numerous scratches & dents, yet these entities refuse to work with us. After XXXX duped us into a fraudulent Forbearance and scammed us into thinking we just might get the new payment, they ripped that rug from under us when at the end of it, demanded all monies, even though our situation had n't changed. Mind you, this Forbearance money we paid was deemed " unapplied '' and the fees just kept on coming. What a racket!! We wish we truly knew whom owned our Mortgage - they all send us that one page from the mortgage contract and a copy of the non-wet Note. I have attached letters from all three entities ( I believe XXXX is also probably an investor since he seems to represent them all ). XXXX tried to foreclose in XXXX ( when securitization actually took place ), to no avail ; then they tried again by substituting Selene ; but for some reason the court denied it. Btw, it was not an " arms-length '' transaction. These entities want to lay claim to collateral that none actually paid. Criminals. I guess Selene is trying to clean it all up. See you in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed fraud reports with identitytheft.gov as well as police reports about two auto loan accounts on my credit report with equifax which has not been resolved. I recently purchased a home and didn't know that the accounts were on my credit report all other major bureaus was successful except equifax. 

XXXX XXXX XXXX from XX/XX/XXXX stated that I have a balance of {$8900.00} which I disputed and they said it was a joint account but never said who the joint person was. 

XXXX XXXX XXXX from XX/XX/XXXX shows a balance of {$20000.00} which I disputed because I have no clue of this account as well. I have never purchased a new car and I always buy cars cash.
Product: Credit card or prepaid card

XX/XX/2019 made a purchase for XXXX and then the end of XXXX I called to pay off my entire balance I paid XXXX and the guy said that was my pay off amount so XXXX goes by no bill XXXX no bill I now receive a bill for XXXX and I have not used this card I called the company XX/XX/XXXX XXXX to resolve this and they told me I made a purchase in XXXX and it left a balance of XXXX cents and then as I asked for a supervisor they got on the phone I explained that I paid the hole card off the end of XXXX so I didn't have no balance well the story changed to well a purchase you made in XXXX didn't come to us until XXXX so they told me two different stories and will not fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/17 Balance {$0.00} I'm just serious about the validity and reliability in your present evaluation and the missed payments meant for this particular account and exactly how it is reporting on my credit report. Around 45 days ago I applied for an examination because I felt the item seriously isn't being stated lately. To my surprise, I accepted a mail expressing that your assessment was achieved and that the item had been " determined as correct. Below Section 1681 ( g ) kindly give me a summary of the method accustomed to determine the account is " legitimate '' and post me the name and addresses of persons got into contact with in every guideline found in the FCRA.
Product: Checking or savings account

Should be able to close a deposit checking account online. They read the legal disclosure orally for reopening if provisional credit for error resolutions. This can be added to the online system in writing and the reason for closing the account. Having to wait through the phone cue to get a customer service representative annoying with COVID-19 when this is a company heavily involving with technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had an auto loan for a XXXX XXXX with Westlake Financial Services which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from Westlake Financial due to the vehicle having been declared a total loss. Westlake received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, Westlake failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff Westlake provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX Westlake reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, Westlake charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Product: Debt collection

There is a collection on my credit report for an apartment complex in XXXX XXXX that I have never lived at or applied to. I never got any notifications that I owed money. I never was told about this. I found out when I showed up on my credit report. I am a victim of identity theft.
Product: Debt collection

The company used misleading and abusive tactics to get me to pay a debt that I didnt agree to. They refused to provide any information on the debt or to work to resolve the debt. Their company has no customer service department and they continually put new and then old information on my credit report. They update false totals and payment history and not of it is accurate. They refuse to speak to me. The company is Sezzle , Inc. The amount is XXXX and it has report as late on all payments since XX/XX/XXXX. They report a false late payment each month and the most current false late payment was reported on XX/XX/XXXX. The company is reporting a false and misleading 38 times late at the 90 day mark. All the information is incorrect and harmful. They threatened to ruin my credit reports.
Product: Credit reporting or other personal consumer reports

This is my complaint for UPSTART NETWORK INC. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

This complaint is following the initial response from ALDOUS AND ASSOCIATES on XX/XX/year>. I am writing to formally dispute the inaccuracies found on the invoice I received from ALDOUS AND ASSOCIATES, related to the account referenced under [ XXXX ]. Pursuant to Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into the validity of this debt, as I believe there are inaccuracies that need to be corrected.

In accordance with my rights under Section 609 ( a ) of the FCRA, I also request a copy of the purchase and sale agreement that pertains to this account. This will allow me to verify the origin of this debt and ensure that all terms and amounts are correct.

As stipulated under Section 609 ( a ) of the FCRA, I am entitled to receive all information in my file, including the sources of the information that led to the creation of the debt in question. Therefore, I am requesting that you provide me with a full disclosure of all data and documentation related to this account, including the purchase and sale agreement.

Please provide a response within the statutory 30-day period required by law. If your investigation reveals that the information reported is inaccurate or unverifiable, I request that the account be corrected or removed accordingly.

I expect that your investigation into this matter will be conducted thoroughly and in accordance with the guidelines set forth in the FCRA. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX Account number : XXXX Reason : Late payments on a charge off account is a violation of the FCRA Law Company name : XXXX Account number : XXXX Reason : This account does not comply with the FCRA law such as having a past due amount monthly terms and different dates of last activity Company name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX This account should not be reported as a charge-off, I paid this on time. Please provide evidence that my rights have not been abrogated on this report. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX - Account Number:XXXX XXXX is reporting all charged off but XXXX reports all good payments. Also, charged off the account but it still has a balance. You need to remove this inaccurate report immediately! 

XXXXXXXX XXXX XXXX  XXXX - Account NumberXXXX Please remove inaccurate reported late payments and update to paid as agreed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with their error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
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 XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX