23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX checks from the same company issued by XXXX ; however XXXX check got jammed in the branch atm machine so I was not credited for the check. As I stood at the atm machine for a moment I thought the machine was going to eat my card because the machine was making noise and seemed the motors were spinning ; after about XXXX minutes the atm machine spit out a receipt and released my card. I ASSUMED THE BRANCH WOULD DETECT THE PAPER JAM WHEN THEY REFILLED THE ATM WITH CASH and collected and reconciled that atm machine. Time passed so I thought I would visit the branch XXXX XXXX XXXX, where I had deposited the check and was met by the RUDEST WEIRDEST bank worker ever ; who I will describe as tall and of XXXX descent. Very nasty from the beginning with any inquiry brought before him. Clearly he displayed a very disparaging toneXXXX ) He wanted possession of my atm card, I replied I can just read you the numbers ( for verification I dont see why it wasn't the same procedure as the teller window when you stick your card in the machine and key in your PIN number ). XXXX ) This man kept stating, she claims as if I was making the entire BUSINESS purposeful meeting completely out of thin air. I tried explaining what happened but the bank worker only exacerbated the meeting with negative comments! I thought the bank representative would note the situation since the incident happened at their branch and perhaps upon seeing the receipt the atm spit out make a note of exactly what machine it was and have it repaired. However, I was met with this statement WE DONT REPLACE MONEY in the atm machines or gather all the deposited checks at the end of the day from them. I am making this complaint because the bank worker insisted upon not hearing the FACTS stating to his bank lobby audience how much he wanted to help yet was so Rude and Negative and keep repeating I was claiming ; I was not claiming but giving detailed FACTS backed up by a receipt spit out from the ATM machine and bank camera footage.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law XXXX-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} XXXX XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} XXXX XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Product: Student loan

I have asked for my qualifying payments to be recalculated and for the one time forgiveness for forbearance/deferment to be processed. They said I had 75 qualifying payments and then I submitted an employment verification for my time at the XXXX XXXX XXXX XXXX. Their response was that they now have processed my time at XXXX and included the qualifying payments but the payment count never changed! I am coming up on 11 years in Education. I want all of my payments recalculated and I want my account to be processed for the one time qualifying payments for forgiveness/deferment which I was told by XXXX would qualify.
Product: Mortgage

I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.
Product: Checking or savings account

I was the victim of a fraudulent ATM transaction. Within an hour of the transaction, I reported this to Chase Bank. I went through the entire reporting process to dispute the charge, including submitting sworn testimony, and Chase denied my claim. Chase did not consider my evidence and was not responsive to my request. As a result, Chase charged me for the ATM withdrawal, even though no money was disbursed.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than XXXX years. However, XXXX XXXX  bankruptcies can typically be removed after XXXX years from the date of discharge, and XXXX XXXX bankruptcies can remain for XXXX years from the date of filing. 

The bankruptcy in question was filed on XX/XX/year> and was discharged on XXXX XXXX and it has now been XXXX years since the discharge date. Under Section 605 ( a ) ( XXXX ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after XXXX years. 

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX - Filing Date : XX/XX/year> - Discharge Date : XX/XX/year> Given that the XXXX-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge. 

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX
Product: Mortgage

The CONSENT Delay, Prolong in Responding to Modification, compound of Fees to rise the cost owed. 
Nationstar, which is now doing business as Mr. Cooper, engaged in a number of unlawful practices in handling mortgages following the Great Recession. Specifically, the loan servicer failed to honor borrowers loan modification agreements. Nationstar also allegedly foreclosed on borrowers with pending forbearance applications after promising not to do so and failed to properly handle escrow payments and accounting for homeowners who were in XXXX XXXX bankruptcy proceedings. 
Nationstars failings resulted in substantial consumer harm. The fact that my foreclosure has been going on for 4 years is Most Ridiculous with NO explanation OR explanation. They Purposely have drag out my court case that makes it impossible to catch up or reinstate mortgage, they have even INCREASE mortgage payment in order for consumers to DEFAULT on making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was paid on XX/XX/11 and Equifax has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts XXXX and they said it was send to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has blocked me from obtaining my credit report online. I am unable to get it through the annualfreedreditreport link or sign in to my Experian membership. I have called and told by an agent it is due to multiple accounts with different emails. This is a LIE. I never had a problem signing on to my membership portal until I began filing more disputes against Experian. Everyone knows Corporations retaliate against consumers congress even had a few hearings concerning this criminal behavior. Experian is Retaliating against me again, I have provided a ton of information to confirm this, Now they have completely blocked me from obtaining my credit report online. My computer saves my username and password, therefore I can not log in with incorrect information. All I know is on XX/XX/XXXX I was suddenly unable to log into me Experian membership portal after logging in almost daily for 3 years. Strange huh?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind.

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential.

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.
Product: Payday loan, title loan, or personal loan

I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

Microbilt - XX/XX/XXXX and XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXX, XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX & XXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Both my loans with newrez ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX  account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationExperian. Please delete the following accounts. XXXX XXXX. {$1400.00}, XXXX XXXX Balance {$200.00}, XXXX XXXX XXXX Balance {$38000.00}, XXXX XXXX XXXX Balance {$130.00}, XXXX XXXX Balance {$0.00}, XXXX Balance {$0.00}, XXXX XXXX Balance {$870.00}, XXXX XXXX XXXX  Balance {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXXXXXX  and noticed it was hard inquiries that do not have permissible purposes to be on there these hard inquiries are hurting me from getting approved I already reached out to the credit bureau about this multiple times and they keep violating my rights 15 usc 1681 B
Product: Checking or savings account

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest clown with Wells Fargo and they refused to honestly investigate my claim, instead WF pointed the finger at me claiming I allowed whoever to charge on my act which is totally unacceptable. WF has a history of abusing its customers so obviously WF continues to have the same reputation. WF has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. WF has damaged my life and my credit. I hope someday WF will be happy to answer all its abuse to our creator who will judge. Wells Fargo thank you for telling me that XXXX. and the XXXX  is XXXX  and XXXX  is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account and asked Equifax for an investigation into the  XXXX  Account.   I requeste d Validation, Verification, Process, Contract. I  have not received any of the requested documentation to prove that this is my account. The only investigation results I have received, states that the account / bill / information is true. NO justification. No contract, No etc.   The investigation has EXCEEDED 30 days - requested  XXXX   2017 .   XXXX  In addition the account is being re-aged & from the original date should have been removed, as it exceeds the 7 year statue of debt on a credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX, was never late! I have had exceptional payment history with 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those accounts 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. XXXX 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