23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.
Product: Checking or savings account

On XX/XX/year> I deposited my payroll check into my check account via mobile deposit. To deposit the check bank of america required that I sign the back of the check stating for deposit to bank of america only for me to proceed with the mobile deposit. After the fact and after I submitted the mobile deposit is when it tells me that none of the funds would be available to me and that a hold would be placed on the entire amount until XX/XX/year>. Bank of america should inform customers exactly how many days the check will be held in advance so that customers can make an informed decision regarding whether they want to deposit their checks with bank of america or not. Requiring me to write deposit for bank of america only before actually submitting the mobile deposit prevents me from taking my check elsewhere to be cashed. Also I received an email shortly after depositing the check that stated We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned which is a false statement. I have never cashed or deposited a fraudulent or returned check with bank of america or any other place of business. Also the check is a payroll check from my employer which is a legitimate company. I spoke with a bank of america customer service agent which was of no help and just stated yes we placed a hold to verify the check.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, XXXX, and Equifax. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, XXXX, and Equifax rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Checking or savings account

My account was hacked and I informed chime of this and they denied my claim without real evidence while not adhering to regulation E.
Product: Credit card or prepaid card

I have contacted PNC consumer services department on XX/XX/XXXX and XX/XX/2019. To apply for their temporary Payment program and or permanant payment program. To lower my interest rate and payment on my PNC credit card and personal loan with the bank. The PNC.com/options website does not let me logon either. I am going through a financial hardship and can not make any payment arrangements. My PNC visa monthly payments are about {$150.00} and about {$100.00} of this payment is interest I am trying to pay down the balance. My personal loan payment is about {$120.00} per month I want to lower the interest rate and payment amount.
Product: Debt collection

I am writing this message in regards to an account reporting on my credit. This debt reporting on my credit does not belong to me. This is a result of identity theft done without my consent. I have no knowledge of how this could have taken place. I have not given anyone permission to do so on my behalf.
Product: Credit card

CITI Cards refuses to pay for and open up an arbitration hearing with the XXXX XXXX XXXX as per their card agreement, for the disputed amount of {$380.00}. Citi is in breach of contract making this disputed amount null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry for care credit I did not authorize.
Product: Checking or savings account

On XX/XX/XXXX fraudulent charges were made by unknown source ) s. I only received 1 text message despite being signed up for text alerts. Three charges were made in the amounts of {$400.00}, {$200.00} and {$200.00}. I replied no to the Huntington Bank text when asked if I made a {$290.00} purchase. Immediately I contacted the banks fraud department but they were closed so I called again first thing in the morning. I was told it would take up to XXXX business days to investigate. I called again to follow up and was told the XXXX business day would be XX/XX/XXXX ) XXXX which is inaccurate. I never had an account with the merchant or even heard of them before this incident.
Product: Debt collection

. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.This was done by fraud and nothing this company has matches what is on my consumer report and they refuse to take care of the situation.
Product: Checking or savings account

Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had just pulled my Credit Report and had saw DEVILLE MGMT was reported on XX/XX/XXXX. I am not sure why it is now showing up when this has been resolved and paid in full. I have enclosed the letter I have received in XX/XX/XXXXsaying this was paid in full
Product: Credit card or prepaid card

This is a refile... had wrong bank first time Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by XXXX. 

My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with english. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXX card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX
Product: Mortgage

My loan was modified with a Hamp as XXXX XXXX. ( I have attached my Modification agreement ). Per my modification I was told that my New loan included all back payments owed which included interest, any fee 's and back Escrow, owed. I have made my payments except in XXXX lost my job, so instead of falling to far behind I entered into a payment plan that increased my payment {$700.00} a month to catch up for the one payment behind.I paid my payment plan as agreed, with hardship to my family, but I want to keep my home. My last payment on the plan ended in XXXX which they deducted from my account. This month when I went to make my original modified mortgage payment of {$2000.00}, Nationstar would not accept my payment and I was told I was late for my XXXX and XXXX payment because they had increased my monthly payment to {$2600.00}. They stated they did this because of my new Escrow analysis. When I questioned how it went up {$680.00} a month, when My HOI only went up {$180.00} but my real estate taxes went down a XXXX my payment should have stayed pretty much the same.Nationstar said that I was in the negative because they were going off the escrows dated back from XXXX. ( I have attached my Escrow analysis ). My dispute with them is that when my Loan was modified all these cost should have been included in my new mortgage, The note I signed did say moving forward my payment can increase/decrease due to escrows, I understand that, but it did not state that I owed back taxes and Insurance that would need to be repayed on top of my new modified payment. That is setting people up to lose their home. With My XXXX mortgage payment dated XXXX/XXXX/XXXX my escrows should have started at a XXXX balance or at the very least neg whatever the reserve requirements are. How can anyone afford such an increase, and if I am correct they will once again increase my payment next year, when they rerun my Escrows. Nationstar Mortgage has reported to the credit bureau that I am 120 days late, destroying all my efforts of my Credit repair, and have also stated if I do n't pay the {$3400.00} by the end of the month, my loan will have foreclosure proceeding started. I am devastated, I have a decent job and I am trying so hard to re-establish myself. Selling is n't an option my home is way under water. I believe that Nationstar mortgage has knowingly and willingly set myself and I am sure other Homeowners up to fall behind on their Mortgage payments and having to enter into another Modification process, which is the option they gave me. I need some help or an answer as soon as possible. I do n't have want to be dragged into the Modification process again, It took 7 years, Thank You Sincerely XXXX XXXX XXXX
Product: Student loan

* XXXX to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out to whom, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 90-day and 60-day past due delinquency notation in XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on ACS/XXXX, XXXX, CA account. 
2. 120-day, 90-day and 60-day past due delinquency notation in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account. 
3. Reported delinquency noted in items XXXX and XXXX also appear on XXXX other ACS/XXXX accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I am taking this matter very seriously, and I would like to ask that you take immediate action to block and remove the fraudulent account from my credit report. 

XXXX. XXXX XXXX XXXX account {$1000.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXXXXXX balance {$0.00} XXXX. XXXX XXXX Credit Card {$720.00} XXXX. XXXX XXXX XXXX account balance {$370.00} XXXX. XXXXXXXX XXXX XXXX XXXX Credit Card {$640.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$700.00} XXXX. XXXXXXXX XXXX  Charge account balance {$950.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, after XXXX business hours ... I made XXXX charges, knowing that my paycheck was being deposited first thing in the morning. I discovered that both charges posted that very same night ( which has never happened in the 2 years I have banked with them ), and Chase bank charged me overdraft fees totalling {$64.00} ( {$34.00} each ). I called them right away, explained the situation and was denied any help in reversing the fees.
Product: Credit reporting or other personal consumer reports

this information is inaccurate and I keep providing proof and these credit XXXX  aren't doing there job to update this information, its stressing me out ... ....
Product: Credit reporting, credit repair services, 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}.
Product: Student loan

I've reached out XXXX times since XX/XX/XXXX about the status of my XXXX application and have not received a response. Meanwhile, I received notification that money will be withdrawn to make a debt payment. 

I reached out the following dates without yet receiving a reply : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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 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 XXXX has violated my rights.

15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.