23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Sure! Below is a sample credit law or legal provision that could address a situation where a creditor fails to provide an accessible way for a borrower to pay down their balance online : XXXX XXXX XXXX XXXX XXXX XXXXProvision : Accessibility of Online Payment Options for CreditorsXXXX XXXXSection 1. Requirement for Online Payment OptionsXXXX XXXX XXXX XXXX XXXXOnline Payment AccessibilityXXXX  : A creditor must provide a secure, user-friendly, and accessible method for borrowers to make payments online towards the balance of their credit accounts. This payment option must be available 24/7 and should allow for one-time or recurring payments. 

( b ) XXXXPayment Method DetailsXXXX  : The creditor must ensure that online payment methods accept commonly used payment forms, including, but not limited to, credit cards, debit cards, ACH transfers, and other widely accepted electronic payment systems. 

XXXXSection 2. Notice and TransparencyXXXX XXXX XXXX XXXX XXXXClear Communication of Payment OptionsXXXX : The creditor must clearly disclose the availability of online payment options, the payment methods accepted, and any applicable fees, at the time of account opening and through periodic account statements or communications. 

( b XXXX XXXXTimely UpdatesXXXX : Any changes to the online payment process, including new fees or the removal of payment options, must be communicated to the borrower at least 30 days in advance, either through a mailed notice or via the creditor 's official online communication channels. 

**Section 3. Accountability for Non-Compliance** ( a ) **Failure to Provide Accessible Online Payment Method** : If a creditor fails to provide an accessible and functional online payment method as required under this provision, the borrower may request that the creditor waive any late payment fees or penalties associated with the non-payment or delayed payment resulting from the lack of such an option.

( b ) **Penalties for Non-Compliance** : In the event a creditor does not provide an accessible online payment method, the creditor may be subject to a fine imposed by the regulatory authority , up to a maximum of {$500.00} per affected borrower, or other penalties as determined by applicable law.

**Section 4. Regulatory Oversight** ( a ) **Consumer Protection Enforcement** : The relevant regulatory body, such as the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), or applicable state consumer protection agencies, shall have the authority to enforce this provision and ensure that creditors are in compliance with the requirements for online payment accessibility.

( b ) **Annual Reporting** : Creditors must report annually to the regulatory authority on the status of their online payment systems, detailing accessibility, user experience, and compliance with this provision.

-- - This type of provision would aim to ensure that consumers have an accessible, transparent, and easy way to make payments, while holding creditors accountable for not providing such services. Account by XXXX
Product: Credit reporting or other personal consumer reports

I called Experian today to correct inaccurate personal information on my report because they are mixing someones information on my credit report. The representative told me that these inaccurate items are not associated to me but failed to remove them from my report.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/2023
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from AR RESOURCES Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter XXXX XXXX XXXX  they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) AR RESOURCES this item was deleted from my credit but reinserted without me being notify in writing within 5 business days. Consumer Protection afforded by the FCRA PART ( A ) ( 5 ) ( B ) ( ii ) Fine of $ 1,000.00.Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Product: Debt collection

The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XX/XX/2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX Response. This collection company was sent XXXX written notices by me. The first written notice was sent by regular mail on XX/XX/2015 and the second notice was sent by certified mail on XX/XX/2015. Both notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
Product: Checking or savings account

I have been banking with chase for about 5years. XX/XX/XXXX, i tried using my debit card at the store and it got declined. I called chase bank, only to find out that my account was closed. That week i received my pay check of about {$1600.00}. However, they did not reject the direct deposit. XX/XX/XXXX, my tax refund of {$7200.00} was deposited in the closed account. I would assume that i will be rejected and sent back to the irs. BUT, that was not the case. ITs been weeks and still havent gotten our refund from the bank as promised. We called customer representative soo many times.. they gave us the run around and asked us to call a phone number with a voice mail that never called back.. I only provide for my family with XXXX kids under XXXX. With this hard times, we are struggling to pay our bills.. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Chex Systems previously responded to the Consumer Financial Protection Bureau ( CFPB ) complaint : XXXX informing me and the Consumer Financial Protection Bureau that they have deleted and removed the following fraudulent Inquiries Viewed By Others on my Chex Systems 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent inquiries viewed by others is still listed and showing on my Chex Systems Consumer Report, after Chex Systems informed me and the Consumer Financial Protection Bureau ( CFPB ) that they deleted and removed the inquiries viewed by others from my Chex Systems Consumer Report. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX
Product: Debt collection

Jefferson Capital placed a debt from XXXX XXXX on my credit report and I have no contract with either. when they called I told them they had the wrong person to please dispute information send validation/verification of debt and to please not call me again. They did not send a dispute package and they continued calling three to four times daily and during all hours of the day. they placed the account on my credit which has caused a great hardship and a pause in my mortgage funding due to the XXXX points lost upon the addition of the collection account.
Product: Payday loan, title loan, or personal loan

XXXX XXXX loan # XXXX Company Arvest Bank XXXX XXXX XXXX XXXX AR XXXX On XX/XX/2020 due the COV-19 pandemic, I was unable to maintain my financial obligation due my lost of wages I did request a grace period for payments as the federal government suggested. 
was granted 3 month, at the time my the balance on the principal was XXXX and my monthly XXXX payments, the breakdown was {$460.00} dollars for the principal and {$230.00}, wich bring my monthly payment to $ {$700.00}, wich I have no problem with.However after the grace period was expired the sended me the XXXX bill for {$700.00} intrest only, nothing applied to the principal and also I was told by one of the manager that XXXX bill They only will aplied around {$140.00} dollars to the principal, wich means they will penalize me with another {$500.00} interest. 
I think this is an unfair banking practice And they punishing me because the government order me to stay home.
Product: Mortgage

BSI Financial does n't send me a monthly statement nor do that make one available online each month. In addition, sometimes they post a payment one month after the payment has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  are fraudlent not protesting and allowing fraud report on my credit father with children single and My credit suppose to be good they got me under fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX recordXXXX XXXX XXXX XXXX   XXXX, CO XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   recordXXXX  XXXX XXXX XXXX XXXXXXXX, CO XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Equifax regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested.

I submitted an identity theft report to Equifax and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account Name XXXX XXXX XXXX XXXX XXXX  ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and XXXX and Equifax failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by XXXX and Equifax Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and Equifax failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and Equifax verified the accuracy of these items. 

Furthermore, I am requesting that XXXX and Equifax promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and Equifax complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.
Product: Checking or savings account

So I have unemployment an it was going into my bb & t money account card an everything was fine with my account until I went to a bank with very XXXX XXXX XXXX an they asked me where I got my money an why I have I told her as much as she was entitled to know. After that she flagged my account an no one is telling me anything for 2 years now they keep saying its under investigation. I have done everything they asked an no one is giving me answers 2 years later still. Also there was over 13k in the account now they say they took it to hold pending further investigation. I also received a deposit last month an now they are holding that also. I need answers from someone.
Product: Credit card or prepaid card

I paid my account in full in XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX reported it as late to my XXXX credit report in XX/XX/XXXX. When I called to find out why, they said I owed {$36.00} in late fees. When I tried to explain it was paid in full in XX/XX/XXXX, they cut me off and spoke over me - forcing me to pay {$10.00}. They claimed the account would be cleared of fees and closed. 

The following month, XX/XX/XXXX, they tried to charge an additional {$35.00} in more fees and are now harassing me by phone, 7 - 10x a day. They keep saying if I don't pay the added fees they will continue to report to my credit report. 

In XX/XX/XXXX, they are continuing their harassment and extortion, and trying to now charge me {$100.00} on a paid off, closed account. 

They refuse to acknowledge via XXXX dispute that the account was paid in full in XX/XX/XXXX and continue reporting it as late to my credit report. They also continue trying to charge fees after its been closed. This is extortion as the account has been paid and closed. 

Please make them stop harassing me, extorting me, and charging me fees. I refuse to pay unending fees on a paid off, closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$20000.00} STATE OF MI OFFICE CHI XXXX Balance : {$4900.00} XXXX XXXX Balance XXXX {$1300.00} STATE OF MI OFFICE CHI XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} 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 MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Mortgage

My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.

Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX