23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Opened a credit card account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help
Product: Checking or savings account

I've attached the complaint letter I filed with Chase/J.P . Morgan on XX/XX/2021. 
I received a phone call from XXXX XXXX today, XX/XX/2021 apologizing, and saying that my funds are now available. And that's it. Nothing about the delinquency in the branch not depositing my funds as directed by another financial institution and on time. He made it clear that Chase " would not be compensating me for this experience, but he apologizes and it shouldn't have happened. ''
Product: Checking or savings account

A bank payment for my mortgage was initiated using the wrong account. I therefore did not have the funds for the transfer to go through. Although I resoved the isue and made the payment using my correct bank account. Bank of Hawaii charged me {$30.00} on three seperate occasions for this NSF fee. They refused to refund me any of the {$30.00} fees. The fees totaled {$90.00}.
Product: Credit reporting or other personal consumer reports

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 JPMCB Card Services 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 FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff is reporting me at 90 days past due when the account was only 84 days past due, only accurate information is supposed to be reporting on my credit report & this is a violation of the CFPB. 

If the last payment date was XX/XX/2021 then that is not 90 days. Its actually 84, even though the account is showing to be current for XXXX & XX/XX/2021. Not even sure how the credit bureau has allowed this account to stay reporting incorrectly because theres nothing XXXX XXXX complaint about it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account for XXXX accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called an XXXX XXXX  company unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX  XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Home equity loan from Chase Bank since XX/XX/XXXX ( interest only payments until XX/XX/XXXX ). InXX/XX/XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to Chase for a loan modification. This process was to say the least, agonizingly slow and laborious.
However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease.
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But here 's the problem. From XX/XX/XXXX to XX/XX/XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from Chase to come through. When I could I would go to the local branch of Chase and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments.
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The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current.
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Now, here 's the rub. It seems that during the 3 month ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXXto XX/XX/XXXX but they also reported as late, the trial period payments ( XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX) even though they were made on time.
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My credit rating has since gone downhill now. I have written to Chase and even contacted the local Chase branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank.
The bank has replied basically saying " Tough luck '' I 'm a XXXX year old XXXX  Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information.
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I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it.
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I 'm at a loss!
Product: Checking or savings account

I did a chargeback on XX/XX/2022 and was told that the institution only mediates because of the type of transaction ( contractor that didn't do the work ) and they could not take the funds back but only mediate and ask for the funds voluntarily. I elected to file in small claims since the contractor had stated he would distribute a charge back. Here 's where things get messy. I received a letter from the attorney of the defendant on XX/XX/2022 saying I'd been fully refunded and had no grounds to sue. For 2 months I had asked for progress or if the company had responded and just kept being told i had to wait for the 90 day investigation to conclude. I found it ridiculous that I couldn't be told if there had even been a response. I submitted the letter and ask for it to be verified and no one seemed to want to address it ; just the same mantra of wait 90 days. I specifically asked on XX/XX/2022 and XX/XX/2022 if it were possible that the funds were taken and being held until the investigation was over. I was told no but that's exactly what happened. Not only that but it was done XX/XX/2022 and the case should have been closed after XX/XX/2022, the last day they had to contest. It's just a sea of incompetence that has left me in a legal bind.
Product: Mortgage

Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts. ; XXXX bal {$10000.00} ; XXXX XXXX XXXX XXXX. {$9900.00}
Product: Credit card or prepaid card

I have several Citi credit cards and applied for them due to benefits associated with the account such as car rental insurance, trip cancellation coverage, baggage protection, etc. I paid annual fees, got inquiries put on my credit, and had new accounts put on my credit. This was to find out that there is actually no insurance on my credit cards starting XX/XX/2019 - they are stripping all advertised benefits. This is false advertising and consumers are being hurt in a devastating way. Citi can not be allowed to advertise these benefits then remove them after consumers have taken a hit to their wallets and credit to get them.
Product: Checking or savings account

On Thursday, XX/XX/2023, I entered the Chase bank branch at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I used the ATM machine right in front of the tellers ' windows inside the branch to withdraw {$500.00} in one-hundred dollar bills. I was charged by Chase {$3.00} for using the machine. Clearly, and without question, Chase was more than happy to allow me to use the machine and, furthermore, was even more happy to have me pay Chase a fee of {$3.00} to do so. However, I noticed that one of the bills disbursed by the machine was an old one-hundred dollar bill, and so I asked the teller to exchange it for a new style one-hundred. Again, I had used the cash machine right in front of the teller and also I was the only customer in the bank at the time. The teller exchanged the bill, but then I noticed yet another of the bills disbursed by the Chase machine, and for which, as referenced above, I had been charged a fee of {$3.00} to use, was also old. I asked to also exchange that one. At that point the teller refused. I asked for the branch manager and the teller, with quite an increased attitude, called her branch manager at my request. The branch manager -- XXXX XXXX -- arrived and I asked to speak to her privately. We went to her office and I informed her that the teller had quite an attitude and did not belong working in a bank, regardless of the original issue of exchanging the old bills I had received from Chase for bills that met my expectations. XXXX XXXX immediately said, " I strongly disagree, '' without even listening to the totality of my reasoning as to why I found the teller unfit for customer service work. She also said, " You came into the branch in a bad mood, '' which I found stunning, in that I had no contact with anyone in the branch until I asked to exchange the bills and, furthermore, was not in a bad mood at the time I entered. XXXX XXXX also proceeded to tell me, " You can take your issue to XXXX XXXX, '' with XXXX XXXX being the CEO of Chase. I do not have XXXX XXXX 's personal contact information and so, for among several reasons, I have proceeded with this complaint. Chase bank was more than happy to charge me a {$3.00} fee to disburse money from its machine. It also is a federally chartered bank, under the jurisdiction of, among other entities, the Comptroller of the Currency, and thus has certain responsibilities with regard to currency transactions, most especially for currency transactions that it has initiated by putting out the welcome mat by offering use of its ATM machines, also for a fee. I was not happy with the bills I received from the machine, and had a right to expect bills that addressed my concerns. I also understand after dealing with XXXX XXXX where the untoward energy and behavior in that branch flows from and originates.
Product: Vehicle loan or lease

Went into a car dealership and some guy from Texas named XXXX, sold me a vehicle which I thought was legit. After being unjustly incarcerated I fell behind on payments and ended up in multiple XXXX XXXX XXXX The vehicle was towed and I tried to locate it and was told different stories a lot of back and forth while I'm XXXX  shaking my head. I lost myself during the experience because it felt soooo bad. The whole experience has left me XXXX  to trust that my consumer rights could be potentially violated again. It's the customer service that records the call at the loan office for me though called XXXX XXXX XXXX XXXXXXXX after they were super rude and kept insulting my intelligence over the phone. Just XXXX of the worst experiences of my life.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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, XXXX, XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Debt collection

Aspen National Collections reported this debt to XXXX back in XXXX. I reached out to them immediately as I had no knowledge of the debt, and when they described what it was, I realized it was linked to a timeshare my parent bought in the XXXX. My parents are both since deceased, and my sister was executor of the estate. Aspen removed the item from the bureau, and XXXX advised dispute was successfully closed on XX/XX/2024. 

Now theyve attempted same tactic again, and it will cause an issue as Im preparing to purchase a home. Ive reopened dispute with XXXX, but should not have to do this every time they attempt. 

This is unfair and very shifty business practice, and they should be stopped!
Product: Mortgage

Received a notice in XXXX of XXXX  that our mortgage payments had not been received. We had the mortgage payment made through a XXXX investment account. I checked with XXXX and found the check had cleared the bank. Contacted Round Point Mortgage immediately and explained they had received it. Learned they had supposedly sent a hazard insurance refund for the exact amount of our house payment ( {$1000.00} ). That check was never received. Was told in XXXX they had not received our payment, even though the check had cleared XXXX 's bank. Also learned that an escrow refund was also made in the amount of {$1000.00}. No check was received for this either. At no time was I able to speak with a supervisor or had a supervisor return my numerous calls. Out of desperation, I sent a certified letter to the CEO of Round Point, XXXX XXXX, with a return receipt. The letter was signed for on XX/XX/year>. I never heard from XXXX XXXX or anyone else from Round Point. Round Point subsequently sold or transferred servicing of our mortgage to XXXX XXXX XXXX. I just received a notice from XXXX that our escrow account is short {$1000.00}. The EXACT amount that Round Point said we received a refund for. I know this is not correct. Round Point must be made to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  XXXX  auto loan that was included in my chapter XXXX   bankruptcy. I reported that the status was incorrect because after i rescinded my reaffirmation agreement on XX/XX/2019 the car was reentered into bankruptcy without penalty to me. I had a hearing on XX/XX/2019 and the decision letter from Judge XXXX  of the XXXX  District of PA officially declared that the auto loan agreement was rescinded. As well, the court docket of #XXXX could be viewed via pacer.gov. I have filed numerous complaints/dispute with all parties. Thanks to your assistance on a previous complaint, I was sent letters stating that this situation was resolved. However, when I log-in to Experian's: Total Credit Check membership site, the credit report and scores section states my 1)bankruptcy is still reported, 2) XXXX  XXXX  XXXX  XXXX  account is delinquent or past due; charged off; and current for the last month. All of this information is false and invalid due to my bankruptcy discharge as of XX/XX/2019.As well, I have a XXXX XXXX XXXX  old auto loan is reporting under their Credit Report and Scores section as charged off and negative. As well, I was told the public reporting of the Chapter XXXX   bankruptcy was removed or deleted. But that is not the case on the website.It is my opinion that Experian is refusing to change the information. I was thinking that XXXX XXXX  and XXXX XXXX XXXX was also complicit. However, your representative disclosed to me that prior complaints yielded a letter from XXXX  XXXX  stating they have cooperated completely.