23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting
Product: Mortgage

PHH MORTGAGE SERVICES IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/2024. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.
Product: Checking or savings account

I have unauthorized charges of {$49.00} coming out of my account monthly. I told the bank that I am unaware of this company. I've tried to contact the company listed on the transaction but have received no response. I filed a formal complaint to the bank and asked them to block the charges in XX/XX/2021 but was denied. I changed debit cards in XX/XX/2021 however, the bank still allowed the company to take money from the new card. To date the unknown charges are still being taking from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Mortgage

Discovered a couple weeks ago {$3.00} was not applied to XXXX as instructed on payment slip for XX/XX/XXXX. Contacted mortgage holder and have been told several times they can not fix that problem from last year. There were a couple months this year the same thing was done. They have fixed those problems. But refuse to fix XX/XX/XXXX payment misappropriation.
Product: Debt collection

I received a letter from REVCO Solutions dated XX/XX/2021 which stated this was communication from a debt collector. The letter included my name, the creditor name, the creditor account #, service date, and balance. The letter did not include a statement of my legal right to request for verification of this debt. I have not receive any other communication from this debt collection agency about the right to request debt verification.
Product: Credit card

CONTACTED CHASE AFTER AN UN AGREED CHARGE AMOUNT FROM A RENTAL CAR BUSINESS XXXX. CHASE MANDATED A FORMAL LETTER AND POLICE REPORT NUMBER. XXXX WERE PROVIDED FOUR MONTHS LATER AND AFTER A PHONE CALL CHASE WAS CONTACTED AGAIN FOR STATUS UPDATE. CHASE PROCEEDED TO INFORM ME THAT THERE WAS NO RESOLUTION AND THE DISPUTE HAS BEEN CLOSED NO ONE CONTACTED US NEITHER BY LETTER, EMAIL PHONE CALL NOR TEXT. THE VEHICLE THAT I RESERVED AND AGREED TO PAY WAS BROKEN PER THE RENTAL OFFICE AND THEY UPGRADED MY VEHICLE. OTHER OPTIONS WERE AVAILABLE SUCH AS PROVIDING ANOTHER SAME CLASS VEHICLE AND BEING XXXX THAT WOULD BE A POSSIBILITY.
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquiries on my credit report that I do not recognize and would like to have them removed. 

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: Checking or savings account

Account NumberXXXX Routing : XXXX A check was accidentally deposited in the amount of {$37000.00} into this account in XX/XX/2022. I have reached out to the XXXX XXXX in regard to the made error of sending this check via direct deposit. I spoke with the company owner which is my previous business partner XXXX XXXX. He is using retaliation tactics by holding on to these funds and committing bank fraud. The auction told me they would get my funds back and give me my payment in the form of a paper check as requested by me in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my current and former creditor CAPITAL ONEto delete two old closed accounts for the explanation that follows.the accounts are XXXX   AND XXXX.they have appeared on XXXX XXXX   and XXXX at various times inconsistently due to my numerous dispute efforts.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of "natural disaster" and "acts of God"that affected the consumers ability to meet their loan commitments .I HAVE EXPERIENCED AN ACT OF GOD AND AN OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR.My recently deceased,divorced father had XXXXl XXXX.There was no one but me to care for him,pay his rent,make all medical decisions and feed clothe and bathe him till the end.At the time of my lates was a time period of surgeries,some elective and experimental to attempt to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father's behalf.I was late on my loan commitments but caught up.Please be a human being and remove my accounts as the lates are devastating to my young credit and the fact that Itruly did have solid mitigating circumstance,ACTS OF GODTO CAUSE THOSE LATES.
Product: Debt collection

The XXXX law offices of XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " Bank of America '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for Bank of America. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a Bank of America Card?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX XXXX  '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back. 

Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it. 

On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it. 

The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through. 

The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed. 

I am an elderly XXXX XXXX XXXX man on XXXX. 

The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''
Product: Vehicle loan or lease

This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

When I contacted the company : regional finance company of New Mexico and XXXX XXXX XXXX XXXXXXXX, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
Product: Credit card or prepaid card

Bank of American Credit Card Number : ending XXXX DISPUTE Case Number : XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX with the amount of {$15000.00}. 

XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} XXXX   was shut down by the Federal Trade Commission ( FTC ) on XX/XX/2018 for being a scam and fraudulent company. The Receiver has post the final decision that XXXX was permanently shut down on XX/XX/2018. The merchant failed to perform based on the agreement and contract we signed. The lifetime access to website training are no longer there. The mastermind that was scheduled on XX/XX/2018 was also cancelled due to the shut down. 

I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. Later on, the receiver acted on behalf for the merchant to respond to the bank. It was a valid charge but the merchant was unable to perform due to the shut down. 

In the same time, I contact Bank of America numerous times to dispute the amount. I have provided all official document from FTC and receiver, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to bank of america to support my dispute. The dispute team was very difficult to contact, and the dispute was first denied, then approved, and then again denied.
Product: Mortgage

On XX/XX/XXXX, I called my mortgage co. to ask what kind of disaster relief assistance they were giving their valued customers. I was offered the opportunity to refinance my loan from 3.875 % to 3.327 % as a permanent fixed loan. I agreed. 
On XX/XX/XXXX I rec 'd a letter from the underwriting dept. asking if I had a loan from XXXX for XXXX. The answer was no, I have not had another loan. On XX/XX/XXXX, I rec 'd loan doc 's to sign. I signed and returned, hoping to close quickly. I rec 'd a letter on XX/XX/XXXX saying we should be closing soon. 
I have been calling my mortgage company since those corresponded letters and no response. Finally, heard from a Senior Team Leader XX/XX/XXXX. He said he would check into the situation and never heard back from him. This has been a very confusing situation for me because, I financed my loan with this mortgage Co.in XXXX. How could an underwriting Co clear me for financing at that time if there was a loan in XXXX. I do not know anything about the loan in XXXX. Thanks for your kind consideration to this matter. Blessings!
Product: Money transfer, virtual currency, or money service

I opened a business PayPal account in summer of XXXX. I sold XXXX XXXX XXXX  of dollars worth of merchandise with PayPal, PayPal also takes a fee from every transaction. On XXXX I went to log into my account like ever other day and I received a message that I could not longer use PayPal. No reason to as why. I called several times and several days in a row and no agent could give me a reason to why they closed my account. On top of my account being closed they were holding several XXXX of dollars. I began calling again when I found out I couldnt transfer my money to my bank, and still no answer or when I will receive my money. This is horrible business practice and its been several months and Im still without my money. The money that they have made a profit on with all their fees. I also have several refunds from companies such as XXXX XXXX XXXX XXXX XXXX that have tried to refund my money and PayPal is claiming they dont have it, but I have proof they accepted the refunds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my   XXXX   and TransUnion reports.

  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX  
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: SECOND
MORTGAGE
Date Updated:   XXXX   
Payment Received:   XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  XXXX  per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in   XXXX   for   XXXX  <
High Balance: High balance of  XXXX  from   XXXX    to    XXXX  ;   XXXX   from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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.