23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.

After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.

They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.

All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX  of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.

Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.

I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.

The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).

Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.

Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.
Product: Student loan

My student loan was transferred from XXXX to Nelnet on XX/XX/XXXX. On XX/XX/XXXX Nelnet sent an email that my payment would be due the following day. In the NSLDS I am clearly listed as being in forbearance during that time. My loan was scheduled to come due in XXXX XXXX XXXX. On XX/XX/XXXX, I created an online Nelnet account. On that same day, I called and spoke with a representative about which repayment plan would be best suited to my situation. At the time, I was a XXXX XXXX XXXX XXXX and the representative suggested that I continue forbearance. The NSLDS, again, clearly lists the loan as being in as being in forbearance. However, On XX/XX/XXXX, two days later, I was placed back into repayment. Recently, upon reviewing my credit report, I noted that Nelnet has reported me as 90,120, and 180 days  late on XXXX, XXXX, and XXXX of XXXX. It is clearly stated on the NSLDS that I am in forbearance from XX/XX/XXXX to XX/XX/XXXX. I have requested that Nelnet validate the reporting of these late payments. I have filed a dispute by telephone with Nelnet. I have emailed the CEO of Nelnet. Each time the response was " Based on your request and the information you provided, we carefully reviewed your loan ( s ) and the  corresponding data furnished to the credit reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure information we provide to credit reporting agencies is accurate and objective. Our research indicates the data we submitted accurately reflected your loan status at the time it was reported. '' The " late payments '' that are being reported to the credit bureaus are inaccurate and erroneous and I demand that they are removed immediately under provisions of the Fair Credit Reporting Act.
Product: Debt collection

I went to the ER in XXXX NE in the summer of 2019 while traveling. I first went to the VA XXXX  in the same town, as I am a XXXX veteran with a XXXX  XXXX  rating, and they couldn't care for me there so they sent me to the ER at XXXX XXXX XXXX. The VA XXXX  talked to the VA XXXX  in XXXX ND to gain access to my medical records and obtain an authorization number for my ER visit to be billed to. The authorization number is XXXX through XXXX. The authorization was faxed to the hospital ER and I also hand delivered a hard copy to the triage intake team. Within a few weeks of the visit I checked with the VA and they said it was paid in full. A few months later I started receiving threatening phone calls and a couple of letters from a debt collector called CMRE. CMRE said I owed some company called Virtual Radiologics for the ER visit and if I didn't pay right away they would ruin my credit. They said they could take a portion of my XXXX pension to pay off the bill as well. I gave CMRE the authorization number and told them to contact XXXX or the XXXX ND VA XXXX if they didn't believe me. They refused to accept the authorization and refused to talk to the VA or XXXX. Now they have illegally placed derogatory info on my credit reports. They are refusing to remove the derogatory info and they have called to harass me from several different phone numbers. After each time they have called to demand money and say they will take my pension I block the phone number. 
What CMRE is doing is a clear violation of the rules of the FCRA. I contend that XXXX XXXX  and XXXX XXXX XXXX are also complicit in this matter because they had the authorization number from the beginning and could have put a stop to this, but they have refused to discuss this issue with me and refuse to talk to the VA or XXXX to help settle this matter. I need the derogatory info that CMRE put on my credit reports removed immediately.
Product: Checking or savings account

On XX/XX/2020 chime bank closed my account due to a deposit made to my account from the unemployment of Indiana. They gave me no explanation only to email me that my account was closed and I needed to provide documentation on where the funds came from. I emailed a pua reward letter, proof of address, a picture of my id and a picture of my social security card. They are requesting wages from Indiana when this is a pua covid 19 relief case I am only to get a response from chime support through email, they proceeded to tell me I did not have valid documentation. I then requested for chime to send me a refund check because they can not just hold my funds. All the emails say the same they are unable to review my account and give me a resolution. Chime took my unemployment funds during a worldwide pandemic and I am not able to pay my bills and chime is refusing to refund my money. I have proven my identity I have sent in my unemployment reward letter and they are stating it is not valid, I spoke with several supervisors and they all say the same they have never seen anything like this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXXXXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, and an open account at XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate sent ftc and po report to the company
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and I have some credit towards XXXX XXXX so they send me letter of credit collection service and I paid them on XXXX  from my XXXX XXXX XXXX ( ref : XXXX ( pin : XXXX ) Now again they send me 2nd letter which I received on XXXX XXXX ref number is ccs number XXXX XXXX I have paid fully pls take my name out from the list
Product: Mortgage

My name is XXXX XXXX XXXX. My husband XXXX XXXX XXXX XXXX XXXX and I have had a mortgage loan with LoanCare since XX/XX/2020. We always make our payment via their online service. We have not had any issues making our payment up until XX/XX/2020. On XX/XX/XXXX, I made our payment as usual. I monitor our account very closely. On XX/XX/XXXX, I noticed our payment still had not come out. I logged onto our myloancare account and noticed they had charged us a late fee and a bad check fee. I made a call to their customer service and spoke with a gentlemen ( ID # XXXX ). I explained to him that I was concerned that our account was being charged these fees in error as to we had the money in our account. We went over the my bank account and routing numbers. He said that it appeared my account number was missing a leading 0. Sidenote : I have never entered the leading 0 on previous payments. He told me everything matches up that was the only thing he could see that may cause an issue. I told him to add the zero and run the payment again. XX/XX/XXXX, I again noticed my payment had not been processed and loancare was again charging me with fees. I spoke with a woman ( ID # XXXX ), I explained everything to her and she pulled up my account. We reviewed all numbers again. There were no issues and she said that the issue has to be on my bank 's side. I called and spoke to a man named XXXX and a woman named XXXX at my bank. He pulled my account and told me there was no evidence of an attempt on my bank account from loancare and that there were no bad check fees on my account. On XX/XX/XXXX, I call loancare again and spoke with XXXX. I again had to explain everything to her and how I have the money in my account, i shouldn't be charged bad checks fees and that I needed something done. Somehow they dropped my call which is extremely frustrating after having spoke with so many different people and all i want to do is pay my mortgage. I called back and finally was sent to the manger, XXXX. I expressed my frustration and the issues i was having with trying to pay my mortgage. We again went over my account and routing numbers. She noticed the last person who put my payment through typed the number incorrectly. She corrected the issue and ran the payment through. 
Today, I check my loan account and realize again the payment has not been taken out and they are again trying to charge me fees. I am beyond annoyed and irritated now. I don't understand what is going on. I have had no issues before. ALL I WANT TO DO IS MAKE MY PAYMENTS.
Product: Consumer Loan

Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. 
The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. 
Balance keeps increasing over {$20000.00}. 
I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. 
Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. 
If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. 
I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. 
Prestige Financial services contact XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There are XXXX accounts just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward my complete consumer disclosure showing what you deleted apparently at the request of XXXX XXXX as a result of the " XXXX XXXX '' account application that was submitted on my behalf without my knowledge or permission. 

Also, please forward your designated physical Experian address to send a 609 ( e ) Identity Theft Document request, if an address exists?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : 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
Product: Debt collection

I have repeatedly contacted Ability Recovery Services which is a collection agency to correct the matter in which I have a letter from the creditor XXXX XXXX that states the account is closed and no debt is owed after filing for bankruptcy chapter XXXX- discharged XX/XX/2019. Ability recovery services has stated they cant close the account when I fact they did then 7 days later opened the account in collections as a new account. They have said that it is closed but they are not reporting it to the credit agencies as a closed account.
Product: Credit card

I opened an account with XXXX XXXX  in XX/XX/XXXX. I opted to join their secure payment program. I then cancelled it on XX/XX/XXXX. Suddenly, my account was closed in XXXX for returned payments due to an issue with my payroll direct deposit. However, I changed the bank info on file and the payments were made immediately thereafter. Payments have not been overdue or past 30 days. It seems as if the closure is in retaliation for cancelling the secure payment program. 
There was no inquiry made by them to see if there was an issue on my end, nor was there a warning about closing the account. They just closed it with no regard to its effects on my credit. This unnecessary closure for a recently opened account has negatively impacted my credit score and opportunities for good interest rates in auto loans. 
I reached out to them on XXXX XXXX, but the representative did not offer any resolutions. They simply said that I was not able to restore my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate enforcement of the Fair Credit Reporting Act ( FCRA ) concerning the persistent inaccuracies in my credit report maintained by the credit bureaus. These inaccuracies have adversely affected my ability to verify my identity for essential purposes, including my social security case. 

Details of my complaint are as follows : Despite repeated attempts to correct my personal information with the credit bureaus, including documented communications on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continue to experience reporting errors and inconsistencies. 

Pursuant to FCRA, I am legally entitled to accurate reporting of the following information : Name : XXXX XXXX Address : XXXX XXXX and XXXX XXXX, XXXX, NC XXXX Telephone Number : [ XXXX XXXX XXXX ending in XXXX ] Date of Birth : XX/XX/XXXX Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information The credit bureaus have listed my Social Security XXXX in various incorrect formats, which has directly impeded my ability to verify my information for my social security case. This ongoing issue has caused delays and errors that could have been prevented if the credit bureaus had adhered to FCRA regulations. 

Enclosed with this complaint are copies of supporting documentation validating my correct personal information. 

I demand that the Consumer Financial Protection Bureau promptly investigate this matter and take immediate enforcement action against the credit bureaus to ensure compliance with FCRA. It is your responsibility to safeguard consumers by enforcing these laws and holding credit reporting agencies accountable for accurate and timely reporting. 

I expect a thorough investigation and corrective measures to be taken without delay. Please provide me with updates on the progress and resolution of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your swift action and resolution.
Product: Debt collection

My original XXXXXXXX debt which is now managed by transworld services inc was discharged in a XXXX  XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for 11 years now on this debt that was discharged.
Product: Mortgage

We applied for a refinance home equity line of credit to do home repairs. We were told that we qualified and we started the process of getting the loan done. After it came time to try and close this, we were told that because we did a modification a year ago, the guidelines were that you needed to be out of the modification for 2 years. That should have been disclosed before we paid {$490.00} for an appraisal and did repairs that were on the appraisal.
Product: Checking or savings account

I submitted a fraud claim on XXXX XXXX XXXX and was told that they would be working on my case. Fast forward to XX/XX/XXXX where I received a noticed that my accounts were being closed by USAA. All of the fraud claims have been settled except for the last XXXX, I spoke with a representatives on the phone where they said they had no idea why and couldnt give me any information regarding the accounts until they have finished there investigation that could take XXXX days to complete. I have been a loyal customer for almost 10 years and this is ridiculous.