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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment to a PayPal user name XXXX XXXX, email assigned to this user name is XXXX and the person uses the name XXXX XXXX. I foolishly sent the money via Friends and Family, but should have sent it as Goods and Services Amount stolen was only {$35.00} I know this is my mistake, but thought I should report this person as a fraud
Product: Mortgage

In XXXX I refinanced my home with Chase Bank on a new XXXX  year mortgage and enrolled in the Chase Mortgage Cash Back Program. From XXXX until XXXX I received cash back payments annually in the amount of {$XXXX} as a part of the mortgage cash back. 

At the end of XXXX, I attempted to make an extra principal payment at the end of the year, which got applied as a regular payment. Since automatic payments continued to be drafted, I found I was paying in advance for my mortgage payments so in XXXX of XXXX, I stopped automatic payments and reinitiated automatic payments the next month. At no time did I make a payment late and in all cases payments for the mortgage came from my Chase checking account. 

I have now learned that this temporary pause on automatic payments dis-enrolled me from the Chase Mortgage XXXX Back program and because the program had been discontinued, I would receive no further payments. 

In XXXX of XXXX, I appealed this dis-enrollment from the program all the way up to the Chase XXXX XXXX XXXX I was given a copy of the policy disclosure that states that cancellation of automatic payments for any reason voids the rebate offer. 

My contention is that the grounds for this dis enrollment were : a. ) Either not a part of the original program and only changed in XXXX when the program was terminated- and I was not given any disclosure of this change or b. ) Part of the original program, but not properly disclosed to me or XXXX ) A rule in the program that is applied arbitrarily with some mortgage customers being treated differently from others. 

If any of the above are true, then I feel that Chase Bank is not acting properly in its disclosing the rules of its mortgage program. The XXXX Back XXXX program was XXXX of the reasons why I chose to refinance my mortgage with Chase. My opinion is that when they cancelled the program they looked for technicalities that would minimize the amount they would have to pay and I feel like I was defrauded out of my remaining {$XXXX} in rebate payments. I would encourage the XXXX to request internal documents from Chase detailing when the rule changes to the XXXX Back Mortgage program were made and if these rules were properly disclosed to individual mortgage customers ( either the original rules or amended rules ). Quite simply if I would have know that the temporary cancellation of automatic payments would stop my rebate, I never would have done so. 

Attached to this complaint are the terms and conditions I received in XXXX when I applied for the mortgage and enrolled in the cash back rebate program. Also attached are the terms and conditions that Chase says are now applicable.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, XXXX reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. 

Also, in or around the end of XXXX, beginning of XXXX, I reached out to XXXX in reference to my account balance, and scheduled payments. I asked XXXX rep. if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The repXXXX stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. 

On XX/XX/XXXX, I made an {$80.00} payment on my XXXX charge account, which was thee amount the XXXX XXXX told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my XXXX charge account, but XXXX reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. 
I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. 

If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the three months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my XXXX CHARGE ACCOUNT! 

The credit bureau reporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! 

Further, XXXX is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by XXXX days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency.

This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Credit card or prepaid card

I received 3 gift cards for {$50.00} each, but I lost them. I did not contact the company because they were a gift so I had no receipt to help me report them lost. I recently found them again in my house. I went to check the balance and it said {$0.00} on all three. All the money on my cards has been taken away by non activity fees. However, my cards are still valid, they do not expire until 2024. I called the number on the back of card to get information, but they say there is nothing they can do. They just filed a claim to the bank that issues the card, but they will not tell me how long this takes. The customer service agent just said I probably wont get it back, but I can keep calling to see if they returned the money. What kind of confusing information is this?

I asked to speak to someone in charge, but they refuse to connect me to anyone above them and there is no address on their webpage, just one customer service number. There is no complaint department or anyway to contact the main office. I want to report this company  because I really believe they are stealing money from consumers, with these fees on their gift cards. What is the point of buying a gift card if the company you buy it from is just going to slowly take it back until there is nothing left. I have read multiple reviews on several sites similar to mine of people buying gift cards from this company and having the money taken away. Most the reviews say the company does nothing to help. There should be a way of resolving customer issues.This just seems like a scam and it should be looked into. There should be a cap on the fees a bank can charge to gift cards, people spend hard earned money to give them as gifts.
Product: Credit reporting, credit repair services, or other personal consumer reports

respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this
Product: Credit reporting or other personal consumer reports

I have asked for verficiation of the investigation results from XXXX, XXXX, and Equifax on multiple occaissons on two accounts. XXXX XXXX and XXXX. They have not provided me with their verification method of investigation and have not fixed any errors regarding these two accounts. XXXX continues not to provide me with a copy of my credit report and after sending in documentation multiple times to correct my birthdate and social that they have listed, they still have not corrected this. Equifax also continues to report three accounts under the XXXX XXXX XXXX that were discharged and forgiven in accordance to the federal lawsuit that my loans were part of. I have called and sent all documents and still they continue to report incorrect information.
Product: Checking or savings account

Chase closed my business accounts unilaterally, these accounts contained nearly {$XXXX} belonging to me and my employees and my clients. They claim to have sent a closure notice months ago to an old address I had changed. Regardless, they " restricted '' the account over XXXX weeks ago and closed the account over a week ago and they have still not given me tracking information for my checks. XXXX weeks to close an account is insane how am I supposed to pay my bills and my vendors and my employees?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices SOC SEC ADMIN OFFICE O Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Failure to perform an investigation XXXX XXXX XXXX XXXX  Account Number : 51 Delete this account immediately as you failed to perform an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I receivved a copy of my credit report and it listed a lot of incorrect information on the report. 

1. Listed if a credit card account by XXXX XXXX XXXX XXXX 

I disputed this because the information was incorrect, they have late payments on the account to which is incorrect. The balance is also incorrect. 

I was able to get a letter from the company that states the information was report to due to an error, and the information needs to be reflected as such. 

I also disputed address that I am not associated with and or never lived there. The information was not removed.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Credit reporting or other personal consumer reports

This account charges off every year! How is this even legal? Once its charged off its charged off. How are they able to charge off the account every year over and over? this is not even my account. The vehicle was awarded to my ex wife in divorce. She defaulted on the payments resulting in a repossession. The account was closed in XXXX  and every year they update the account by charging it off again and again on my credit damaging my credit score time and time again. PLEASE HAVE THIS ACCOUNT DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

An entry on my credit report is complete fraud. Ihave complained previously to no avail. The entry from Allied Collections for {$1100.00} is incorrect. 

The business XXXX XXXX at XXXX XXXX reported I owe a balance of {$870.00} and I do not. XXXX XXXX is a hotel / residence where like every other hotel you pre-pay. You want to stay from Monday to Wednesday, you pay for those dates, if you would like to stay longer you pay before, not after. 

Allied Collections states the account was opened on XX/XX/XXXX, and the " satus '' update was XXXX of XXXX, the same month the account was opened. How can that be? 
Additionally, I have enclosed/ attached an email from my apartment management company which shows I resided there from XX/XX/XXXX Until XX/XX/XXXX. 

They have re-aged this debt. I never stayed past the time I prepayed. I owed XXXX balance and they keep reposting this information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX  breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information on my consumer report. The TransUnion is reporting a contract with XXXX XXXX XXXX XXXX that was rescinded on XX/XX/2023. Despite the contract being rescinded the credit bureau continues to report the account as active, which is negatively impacting my XXXX XXXX. I have documentation to support the rescission of the contract. I request that the credit bureau investigate this matter and remove the inaccurate information on my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

I have written multiple dispute letters to them using consumer law 605B stating that they have being reporting to my credit report without my written permission to do so. I filed a dispute on XX/XX/XXXX and the result came back XXXX XXXX with the report being updated to be report as if I am currently late when the account had been since XX/XX/XXXX.
Product: Debt collection

GC Services put something on my credit report without sending a notice of right to dispute. This debt is a XXXX debt that was paid by XXXX. They advised me they paid it. Then out of no where I see this on my credit and got it resolved immediately. But they never notified me and along with that notification they are required to give me 30. They are in violation and I would like it removed from credit due to this fact. Thank you
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. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX  XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting collection accounts on my credit report, however their is no original or current creditor listed. I have sent letters to Equifax on XX/XX/200 and XX/XX/20 asking to update my credit report with this information or send to me so I would know whom I need to contact for debt validation. I have yet to receive a response.
Product: Credit card or prepaid card

I tried to make a payment on my XXXX 's credit card balance XX/XX/XXXX ( Due date ), but their system was not working. Finally, I was able to make a payment after a technician took a payment over the phone after the due date. And he confirmed me that they will take care of the the late fee since this is their website issue. 

But I still see a balance on my account and when I tried to solve it over the phone they were not able to solve it, instead they refer me me back ab forth with different agent and several minutes without any issue. 

Even till this day when i tried to see the statement I'm see a black screen with a busy sign ( please see attached )
Product: Credit reporting or other personal consumer reports

After pulling my credit report, I noticed there were several erroneous accounts listed on my credit report. On XXXX XXXX I sent a letter requesting validation of this account including a breakdown of the fees including collection costs and medical charges as well as a copy of all documents bearing my signature for XXXX Acct # XXXX in the amount of {$500.00}
Product: Checking or savings account

Navy federal keep over drafting my account even though I have over draft protection on my account so money goes missing from my account honestly it feels like they are stealing from me and is keeping me from paying what I need to pay