23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listed as being XXXX XXXX late on my XXXX XXXX XXXX for however after requesting my statements be XXXX to my the branch XXXX because XXXX bank has REFUSED to XXXX my statements to me and has instead keep me on XXXX statements despite me telling them XXXX times I do not have access to XXXX statements. This is a violation of the XXXX act and due to this XXXX reporting I will be filing a XXXX against XXXX Bank. However at present I am providing proof that my account can not be XXXX XXXX late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement XXXX DIRECTLY from the branch XXXX. Showing both XXXX and XXXX paid on time. This XXXX reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me XXXX and XXXX and I will be seeking XXXX action against all parties not just XXXX Bank if it is not corrected expeditiously. 

I have attached a copy of my XXXX for XXXX verification
Product: Student loan

My student loans have been forgiven after over 4 years of endless run around and delays, by XXXX, then FedLoan Servicing, and now again they are going to XXXX... 

This is a violation of congressionally mandated timelines for forgiveness, and the fact that I simply hear that " it is with the Dept. of Education '' for months and months is unacceptable. 

I'm a XX/XX/XXXX XXXX XXXX XXXX, and this is an insult, embarrassment to DOE. I followed the guidelines, bent over backwards, repeatedly re-submitting lost and incorrectly interpreted/routed documents, and this is the shoddy service I get. Rediculous! Even their downloadable documents interface is now a mess, and they have 5 hour waiting on the phone lines- seriously, 5 hours, and then they disconnect you with no follow up. So, I've gone though all of that for 4 years, and finally I've been forgiven for OVER 6 months, approved ( see attached ) and all I get is 'its with DOE for review ' - - I'm going to the Inspector General next unless something is done. 

The latest status is that this has been sitting with the Dept of Ed. for 6 months plus, for nothing. 

Process the forgiveness today, and refund my overpayment today!!!!
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was a total lost the insurance company will not help me pay and I have identity theft on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on Equifax, XXXX, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Product: Credit reporting or other personal consumer reports

Late last year, TD Bank experienced major issues with it's online bill payment system that prevented users, myself included, from submitting payments online and via their mobile phone app. As a result of this issue, I was unable to submit payment for my TD Bank credit card until well past the due date. However, they were notified multiple times that I was trying to make a payment on the account during this time. 

I accrued a late charge with interest and I notified them to remove these charges since I attempted to make payment in good faith and could not do so. They told me in writing that once I made payment, they would remove the charges. 

After they finally fixed their system, I made payment in full as promised. However, they removed the initial late charge and interest and subsequently added new late charges and interest. The entire current balance of my card is late charges and interest they assessed after assuring me they would be removed. I notified TD Bank that these charges are erroneous and will not be paid. 

TD Bank is now going further and notifying credit bureaus that I was delinquent on this account and continue to be delinquent, which is categorically false. TD Bank has been paid in full for all purchases made on the card and the fees assessed are the result of their own system issues. 

Though not the basis for this complaint, TD Bank then subsequently lowered my credit limit to {$500.00}, with the implication that I am suddenly not credit worthy because TD Bank 's IT Dept doesn't know what they're doing. 

Attached doc shows all transactions since XX/XX/2023 with all additions being late charges and interest based entirely on previous late charges and interest which TD Bank lied about removing.
Product: Credit card or prepaid card

They said the transaction happened on XX/XX/2021. I made a payment of {$700.00} on my account. I woke up checked my banking account and noticed {$940.00} was also taken. I called the first person told my I had auto pay on and it was a mistake. I asked to talk with a supervisor he said that it was a mistake and would be sent back in two days. She wouldn't tell my why and how that transaction was made. I talked to another supervisor and he said I authorized both transactions. I was explaining to them why would I pay {$700.00} two days after I supposedly made a {$940.00} payment on a card with a {$1000.00} credit limit. Why would I pay {$1600.00} on a credit card with a {$1000.00} credit limit. On XX/XX/2021 i contacted them because the {$700.00} didn't process as what they called a computer error on there end and hit me with a {$34.00} late fee which is the second time this has happened. The first time they sent the money back the day the payment was due. And nobody can tell me why and who authorized the {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX 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, 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 XXXX OF XXXX ( XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX ( ORIGINAL CREDITOR - XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX  XXXX : XXXX, XXXX XXXX. OF 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, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX  XXXX account for months with no result. Not only that, Experian and XXXX  also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card

On XX/XX/XXXX, I made a payment using the Capital One mobile app to pay my balance in full. On XX/XX/XXXX, I was charged {$18.00} in interest because my payment on XX/XX/XXXX was apparently {$25.00} short. According to Capital one, my payment was short because of a change in their mobile app that deducts a canceled auto-pay from the statement balance. This change was not made clear to me through the app, and I have not been able to repeat " what must have happened '' through further investigation on my end. The explanation provided to me was both dubious and deceptive. During a XXXX hour phone call with customer service, I requested a refund for the interest and was told I " was not eligible '' with no further explanation. The supervisor I eventually spoke with informed me that " This has been happening to a lot of customers with the recent change to the mobile app. ''
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Address in Compliance with Fair Credit Reporting Act ( FCRA ) I am writing to formally request the removal of an outdated address from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). The outdated address in question is : 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 Under the FCRA , consumers have the right to dispute and request the removal of inaccurate or outdated information from their credit reports. As I no longer reside at the aforementioned address, its inclusion on my credit report is inaccurate and may potentially affect my creditworthiness. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the outdated address from my credit report, in accordance with the provisions outlined in the FCRA. 

Enclosed with this letter is documentation confirming my current address for verification purposes. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure the accuracy of my credit report.
Product: Checking or savings account

Problem is with Wells Fargo. 

My identity was stolen and four ATM withdrawls were made ( all withdrawls were made on Saturday, XX/XX/2021 in the following amounts {$200.00}, {$800.00}, {$700.00} and {$300.00} from two seperate locations ) Once I saw these transaction pending I called Wells Fargo and explanined these transactions were not made by me. The accounts affected were frozen immediately on Sun. XX/XX/2021. I called the next day to have both checking accounts closed, spoke with the Fraud Department to file a claim. 

By XX/XX/2021, Wells Fargo sent me two letters. My checking account that was pending an online transfer to my other checking account was resolved. Wells Fargo approved my claim for an fradualent onlinetransfer and I was not liable for that transaction and returned my funds to the appropriate new checking account set up.

Second letter denied my claim in regards to the four transaction of ATM withdrawals that took place was denied. It was indicated in the letter " Based on the information available to us, and because the transaction were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission ''. 

First, my ATM Card never left me the entire time. Second as I explained in my initial claim, I was never in the area where the ATM Withdrawals happened. No one from Wells Fargo Claims Deparment contacted me in regards to thses claims. On Mon. XX/XX/2021 I spoke with someone in the claims department to see if they can open my claim. It was escalated to the Executive Team to reopen my claim. At this time I made two more calls to speak with the Claim Case Worker " XXXX '' and each time I was told he was not available to speak with me and a decidsion would be made in 10 business days. I requested XXXX to call me to discuss my claim to clarify that my ATM Card never left my possission, nor I approved any ATM Withdrawals. " XXXX '' finally call me back to indicate that the claim was closed yet again and either I made the withdrawals or someone else did. Again I explained the withdrawals were not made by me, my card never left my possession. Then I told him that someone must have duplicated my card, he stated that was impossible. So I asked him, how were these withdrawals made? In my 23 years with Wells Fargo, I never made any ATM withdrawls in those amounts and why were these not flagged as a security breach? Why should my ATM Fruad be treated any differently than my Online Fraud, which the Online Claims Department approved my claim and indicated as Fruad. At this point " XXXX '' indicated he could do no more and the case was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion, XXXX and XXXX on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is ignoring my request of suppression from sharing my personal credit report. I have submitted several request to suppress my credit report, yet my request are not being honored. I have added the necessary documentation to expedite the suppression request. I have even added the verification documents to this complaint. 

Please delete the unverified bankruptcy from my credit reports. The bankruptcy court has already confirmed that they do not share information, nor do they verify information pertaining to bankruptcy filings. Therefore, this account is fraudulent and inaccurate and defamatory.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from XXXX with reference # XXXX stating that " Weve decided to close your Capital One bank account ( XXXX ) '' and " any remaining balance ( s ) owedplus all interest earned if applicablewill be sent to an externally linked checking account. You should see the funds in that account generally within 2-3 business days. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed to the address on file generally within 7-10 business days. '' I still have not received my funds. I have close to {$5400.00} in checking, savings, and CD accounts with Capital One. 

I made multiple attempts ( 5 ) to get information on when funds will be released but they can not provide an update. I Today, a bank representative told me that a partial withdrawal may be allowed if I visit their nearest branch in Texas. I live in California. 

I am in extreme financial distress.
Product: Vehicle loan or lease

Hi, After Hyundai Capital Finance requested a payoff for my car that was totaled in an accident, they received a check from my insurance company for the amount they requested. After everything was settled they sent me a bill for {$990.00} stating I owe these funds. 

When asking for a breakdown they claimed that it was due because of XXXX monthly payment that is due and my deductible from the accident. I have showed them that I was always paid up XXXX month up front and that my deductible is XXXX dollars which XXXX waived since the accident was not my fault. I have this in writing. When I called in to HCF they continued to give me different reasons for this and in the end reported me to the credits bureau and dropped my rating from almost perfect down XXXX point. 

I have requested a clear breakdown of why I owe so much money which they failed to do. Furthermore, they collected over $ XXXX from insurance company were my payoff was only $ XXXX. They created phantom charges and now have damaged my credit score.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX FIN # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXX CRED XXXX XXXX XX/XX/XXXX -- {$720.00} XXXX CRED XXXX XXXX XX/XX/XXXX -- {$670.00} NCB # XXXX XX/XX/XXXX -- {$3000.00} XX/XX/XXXX-XXXX XX/XX/XXXX -- {$500.00} CREDIT COLL # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am writing to formally demand immediate action regarding my vehicle title and lien release, as well as clarification on the 1099-C form I received. This issue has been ongoing for far too long, and I am beyond frustrated with the lack of resolution and the continuous runaround I have received from your customer service representatives. 

I filed for XXXX XXXX XXXX in XX/XX/year>, and shortly thereafter, I received a 1099-C from Santander Consumer USA stating that the entire loan balance of {$25000.00} was canceled. However, this does not align with the actual remaining balance on my loan at the time, which was approximately {$8000.00}. Prior to XXXX, I had already made substantial payments toward this loan, so I have serious concerns about where the rest of the money I paid has been accounted for. If the full loan balance was canceled per the 1099-C, then where is the money I already paid? Am I entitled to a refund for the overage? I demand a clear and transparent explanation of how these figures were calculated. 

Additionally, I have made multiple attempts to request my lien release and vehicle title, only to be repeatedly told that it has been processed and mailed, with an expected delivery time of 10-14 days. Yet, I still have not received it. Each time I follow up, I receive the same vague response with no resolution. This delay is completely unacceptable and is preventing me from having proper ownership and control over my vehicle. 

At this point, I have exhausted all reasonable efforts to get this issue resolved amicably. If I do not receive my lien release and title immediately, along with a clear explanation regarding the 1099-C and any possible refund, I will be left with no choice but to escalate this matter further. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office if this is not resolved immediately. 

I expect a response no later than [ insert date 7 days from today ] with confirmation that my lien release has been sent via an expedited and trackable method. Additionally, I require a full breakdown of the 1099-C reporting and any refund that may be owed to me.

This matter is urgent and requires your immediate attention. I expect prompt resolution without any further delays.
Product: Checking or savings account

this company is now showing me the process of there investigation there not answering my email requesting provisional credit I know someone withdrew my money from my account. this company only showing me where it was taken from and not proof of the investigation nor will they answer my emails. They only want me to reply to there letters and request but when I try to communicate with them they ignore all my request. Every time I ask them a question they ignore my request. ive called this morning they ignored my questions again