23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Product: Vehicle loan or lease

We purchased a XXXX Honda XXXX XXXX XXXX on XX/XX/XXXX. At the time, our credit rating was XXXX. Considering that, we would have thought we could have been given a lower interest rate on our Honda Financial Services loan. Honda website says a better rate may be considered for buyers with excellent credit ratings. Honda would not budge on the 3.9 %. I see now, 2 months later, the interest rate on the Passport is at 1.9 %. It seems unfair to us. We would like to be able to refinance our loan at the current rate Honda is offering.
Product: Money transfer, virtual currency, or money service

I am currently dealing with a case where one of my checks from TD Bank that I sent in the mail was physically altered and cashed into a different account. The bank has not been responsive to me. 

On XX/XX/2023, the rent check for {$5200.00} that I sent in the mail from my TD Bank account was cashed. 

On XX/XX/2023 I was informed by my landlord that the check had not been received. 

After checking the digital records on my TD Account, I noticed that the check had been altered to have a different recipient, and cashed into a different account. 

I immediately contacted the fraud department at TD Bank and filed the claim. The representative on the phone saw the digital record and agreed that the check had clearly been doctored. However, since I live in XXXX, I am unable to resolve this by going into a branch. 

I was advised to fill out a notarized affidavit in order to get the process started. TD Bank informed me that they would mail me the affidavit to fill out on XX/XX/XXXX. 

By XX/XX/XXXX, the form had not been received, so I called my local branch in Pennsylvania, who was able to email me the form. The mailed copy still has not been received to this day. 

I filled out, signed, and notarized the affidavit that was emailed to me, and sent it to the TD Bank 's GSI department on XX/XX/2023. Since then, despite making numerous calls I have received absolutely no information about the status of my case. The bank is not being responsive to me. 

I've called the fraud department at least five times at this point, most recently on XX/XX/2023 and TD Bank continues to not give me any information on my case or even confirm that the affidavit has been received. 

I am worried for my personal sensitive information that was on the form, and I am worried that I will never be able to recover the money that was stolen from me. The fact that I can not even get a status of my claim, let alone a confirmation that my affidavit has been received is completely unacceptable. 

Thanks in advance for any help you're able to provide.
Product: Checking or savings account

A credit of XXXX was added to my account for a theft of a money order I purchased then the XXXX was taking back because XXXX XXXX was going to pay me for the money order so my account was in the negative for XXXX I still have yet to receive any thing from XXXX XXXX but I started paying the XXXX negative balance back slowly but my account was negative for months I recently started working and proceeded to pay off the balance and had my checks direct deposited now my account is frozen they have my money in the account I have to wait 5 to 7 business days for the account to close for them to send my money on a check but no one contacted me to say they were closing the account try to collect a debt on the account nothing so my money is stuck in the account mean while my car in the shop bills due this has caused me to lose my job my car and next my house I really need my money I don't have the luxury to wait 5 to 7 business days for them to mail a check out and then who knows how long it will take the check to get here in the mail I've been banking with bank of America since 2017 I don't no one to go through this please do not bank with them they dont care about thier customers please help me get my money from them please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion are falsely reporting account XXXX in the amount of XXXX.
Product: Checking or savings account

Wells Fargo making charges to my checking and savings account when I have free. I was to be grandfather in and they lied about it. They closed my accounts I lost over {$1000.00} plus credit card I paid off they put negative remarks on all three credit bureaus. They can't tell me why it put there and didn't do dang thing to correct it. I had have third party fixed multimillionaire business issues that keep failing to fix. Management wouldn't fix it. The number they give us dead end line to call back. Wells Fargo doesn't care about it's customers even after 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went in to my local truist bank to apply for a loan. I was in encouraged to apply for a credit instead. I thought it was a good idea. I applied and submitted every documents requested. She stated everything looked good until she pulled up my credit. She stated I had a high XXXX XXXX of XXXX She laughed it off. She made a call for back up. She requested a XXXX  months electric bill. I submitted it the next day. She told me she would submit to underwriting depth and I'll receive a call personally from her. I never received a call after several attempts as well as truist XXXX. I was told my I was told my application was never submitted and she also sent a unprofessional letter to my address stating I can dispute if I like concerning having a high XXXX XXXX. I called customer service they said I was never in the system or apply for a loan stated by customer. I was told to send all Info back to the underwriting debt XXXX denied it until I get more info about the bank representative at I local bank to make sure my credit I fo was not tampered with. This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance 0 ) is reporting on my personal credit file with ( XXXXExperian ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is  {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

After several months, I was finally able to see that all but one of my loans were forgiven on StudentAid.gov. However, they are all still on my credit report.
Product: Checking or savings account

Various times and dates accessing account but I always receive a statement automatically each month without a problem
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX I saw a lot of pre approvals on CreditKarma.com. At first I didnt pay it no attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I could refinance my car everyday I would see these offers EveryTIME I logged into to check my credit scores. So after a few months of being told I was pre approved I thought I was now in the prefect place to apply. I got so many offers through credit karma I started telling my family about vacations and investments we were going to use these pre approvals for. So I applied on or around sometime in XXXX and I got got denied for 2 credit cards and 2 personal loans. I was very confused and distraught. I was anger and I felt deceive. I was marketed for months, Credit karma told me I was pre approved and it was a lie. I was Severely stressed and had bad Migraines I became antisocial. My anxiety went from 0-100. Now Everytime I see pre approvals i get uneasy.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently at a copy of my credit report and noticed several inaccuracies on my accounts. These accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX
Product: Checking or savings account

Regions Bank Subject : Request for Reinstatement of Stolen Funds under Regulation E Dear Regions Bank, I am writing to formally request the reinstatement of funds that were wrongfully debited from my account, in accordance with the provisions of Regulation E under the Electronic Fund Transfer Act. I believe these transactions were unauthorized and were made without my knowledge or consent. 
The details of the unauthorized transaction ( s ) are as follows : * Account Number : XXXX * Transaction Date ( XXXX ) : XXXX * Amount ( s ) : Around {$9700.00} I promptly reported the unauthorized transaction ( s ) to your customer service department. Under Regulation E, I understand that I am entitled to have the unauthorized charges reversed within 10 business days, pending the outcome of your investigation. 
As the transactions in question were clearly unauthorized, I am requesting that Regions Bank fully reinstate the stolen funds to my account. I expect this process to be handled in compliance with the relevant regulations, and that the funds will be restored within the statutory timeframe. 
Please provide me with a written acknowledgment of the receipt of this letter and the status of your investigation as soon as possible. Should you require any further documentation or information from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and and XXXX bank is listed as paid settled here are the credit reports.
Product: Credit card

Discover closed my account because I did not sign the XXXX IRS Consent Form XXXX. The emails went to my spam folder, so I was unaware of the requirement until I received a phone call. However, the call did not mention that my account would be closed if I didn't sign the verification form. Later, I received another call from Discover, informing me that my deadline to complete the form had been extended to XX/XX/XXXX. However, they closed my account on XX/XX/XXXX. They misled me about the deadline and now refuse to address my concerns, telling me there is nothing they can do. I also tried contacting XXXX to dispute this issue, but they were not helpful, merely sending me my credit opening history. 

Please, if you can help me reopen my account, I would highly appreciate it!
Product: Debt collection

I just started phone service with XXXX XXXX and this is the telephone that was assigned to me. I informed Progressive Financial Services that this was a new number to me and to please stop calling because I am not the person that they are looking for. They still have n't stopped calling. 
Their number is XXXX
Product: Debt collection

My credit report alerted me to a collection that was added to my credit report in the amount of {$670.00}. bought from an original creditor, XXXX XXXX XXXX. This was a corporate account that has been inactive and dissolved since XXXX. I am NOT responsible for this debt. The collection agency has reported it as a new collection with original open date of XX/XX/XXXX. I have demanded that they provide me paper work to prove that I owe this debt, and the dates that correspond, and correct their error immediately. and still have no response. I have made a formal complaint with the XXXX, as well as, active disputes on my credit reports. This has affected my stellar credit rating, and has caused me a hardship in regards to interest rates on my existing cards, and refinancing my house. My father has been diagnosed with XXXX XXXX XXXX, and I find it despicable that this company can provide false and inaccurate information, causing tax paying consumers hardships, and during a pandemic to boot!. I demand that this collection account be removed from my credit report immediately. I fully intend to press forward and hold them accountable for any hardship that have caused now and in the future. This company has a history of complaints, and should NOT be allowed to continue to defraud the consumer and not be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.
Product: Mortgage

Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I sent a personal dispute letter to Equifax to correct my address. I also called them on the phone to correct it as well. As of today they will not remove the apartment number from my address. I have sent them a copy of my drivers liscense, a copy of my light bill showing my correct address.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX SOUTHWEST CREDIT SYSTEMS, XXXX XXXX XXXX XXXX, TX XXXX Account number XXXX  This letter is being sent to you In response to a listing on my credit report I do not believe I owe the debt You referred to I am officially disputing this debt As described in the fair Debt collection practice act Section 809-Validation of debts 15 USC 1692g I am respectfully Requesting That you provide me with the following The exact amount you say I owe A full and clear explanation of how you calculate what you say is owed Copies and documents With my signature saying I agree to pay you what is owed If your office fails to reply to this debt validation letter within 30 days of the receipt all instincts related to this account must be deleted immediately completely removed from credit file And all future attempts to collect Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

`In accordance to the Fair credit reporting act this creditor XXXXXXXX XXXXk and XXXX XX/XX/2023 has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and experian refused to update my credit profile and send me a copy of my credit report
Product: Credit card

I APPLIED FOR A CREDIT CARD WITH ALLIANT CREDIT UNION ON XX/XX/year> & WAS DENIED. 

UNDER TITLE 15 SUBSECTION 1611 FALSE & MISLEADING DENIAL OF MY OWN CREDIT. 

THE ENTIRE CONSUMER TRANSACTION IS PREDICATED ON MY UNLIMITED CREDIT. 

I WANTED TO ACCESS A PORTION OF MY CREDIT. 

I ASKED TO SPEAK TO AN UNDERWRITER TO ASK FOR A LIST OF ALL THE FACTORS THAT WAS INVOLVED IN THIS CONSUMER TRANSACTION BECAUSE I WANTED TO ACCESS A PORTION OF MY UNLIMITED CREDIT. THIS IS/ WAS NOT A CREDIT TRANSACTION, THIS WAS/ A CONSUMER TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX  ( XXXX  ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/ on the student loan accounts. XXXX is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, Experian, and XXXX.