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

I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of 2022, I experienced the unexpected occurrence of missed payments with Wells Fargo Auto, despite maintaining an unblemished record of timely payments over the course of XXXX years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these XXXX payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.
Product: Debt collection

On XX/XX/2017 I received a letter offering a pre-reporting settlement offer on a credit card debt by a collection agency ( ABR ). Per the letter I had 30 days to dispute the validity of the claim of debt owed. I sent in a letter explaining that this debt had come from identity theft that had happened several years ago and had been cleared up on my credit report. I had asked for proof of ownership of the debt, including but not limited to my driver license number, a signature, or anything else showing this debt to be mine. I did not receive a response back, instead they reported this collection on my credit report with XXXX. This debt had been settled years ago, and removed from my credit report years ago as it was found that several accounts had been used without my authorization. This should have been long ago settled. To see this collection was sold off again and reappearing on my credit report seems to be abuse of credit collection tactics. I complied with writing a letter disputing the claim which should have kept them from being able to report on my credit until this matter was resolved. ABR also included on my credit report that this account was first deliquent XX/XX/2017, thus starting original debt in question, all over. This original debt is nearly 7 years old and took me nearly 3 years to have removed and go through the identity theft process. Thank you for looking into this matter.
Product: Mortgage

I was deceived into obtaining mortgage with Citibank by XXXX XXXX. I was promised closing costs of {$1500.00}, and received bill due in the last moment of {$2300.00}, which is {$860.00} in material injury to me. 
Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 
2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked XXXX XXXX to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response XXXX called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than {$1500.00}. 
3. If I knew about the real costs of closing, I would have gone to a different bank for mortgage. For example, I have had relationship with XXXX XXXX representative in regards to my purchase. 
4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after XXXX of the day preceding closing at XXXX the next day. This is violation of 24 hours minimum disclosure. 
5. I was promised {$500.00} if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 
6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 
7. Every time I asked XXXX XXXX a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). 
I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit with Toyota Financial Services where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, Including XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from Toyota Financial services even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from Toyota Financial Services and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because Toyota specifically told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
Product: Money transfer, virtual currency, or money service

PayPal closed my account without reason. My money is locked in the account. I have tried to contact them about this and can not get through. 

XXXX XXXX XXXX
Product: Consumer Loan

On XX/XX/2014 I purchased a 2013 XXXX XXXX from XXXX XXXX XXXX tx they acquired financing from Santander consumer USA at an interest rate of 15.66 % approximately 2 weeks later they told me the finance company was not honoring the extended warranty cost into the financing because they wanted to keep my payment in a certain range, they called me in told me I could keep my truck, or have no vehicle unless I signed a new purchase agreement with a " higher '' interest rate charge the dealership/finance company backdated the agreement so it looked like the original agreement the new interest rate is 16.32 % on less money borrowed.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Product: Student loan

I had XXXX XXXX I took in XX/XX/XXXX. The first lender given by government as it is government Loan according to the people in Financial Aid of XXXX XXXX where I went to school was XXXX XXXX XXXX. Few Years later, I was contacted by another lender called ACS. Now ACS sold me to another called XXXX. My original amount was {$5000.00}. I started paying even though I had part time jobs for some time. After recession of XX/XX/XXXX, I did not find any other job to today. As I was going part time to school because I am adult student and had young children. I finally graduated in XX/XX/XXXX. Since then, I am looking for a full time job, but I did not get any. I kept asking ACS for deferment form hoping to find a job. 
Recently, ACS sold my account to another called XXXX in Utah according to ACS. ACS did not contact me for those changes and when I try to get into my account online, I found my account close with a little message that I should contact XXXX. 
A couple of days I am receiving menacing letters like everyday, that they put me in collection. That I have to pay the amount on billing statement. How can I pay without job! Now they put me in collection, it is going to be hard to find a job in the future. 
That XXXX has changed my account. My original account is XXXX. 
The XXXX has changed in the following : XXXX. 
My complaint is first, how is possible to have XXXX and XXXX different accounts for XXXX loan. It is confusing! I need to have my original account where I have all my records, so that I can recognize the original amount and accrued interests. 
The Amount on their statement is not the same as one in my records. 
Second, I find not acceptable that the students lenders can sell student accounts to anyone like if we were merchandises! The last time I called the number I find in XXXX website, somebody from XXXX answered me and told me that they have purchased my account. He started to ask me my social, my date of birth, address and other important information. I said that I can not give you my information. If you bought my account, you should have all those things you are asking me as they are in my file. I was surprise! When I came back to ACS, the lady I talk to did not give me explanation of how they keep selling my account to people even outside of the country. 
Third, I would like to have my original account and I am asking XXXX XXXX XXXX to have my account back. This time I am going to do anything I can to start to pay at least accrued interests hoping to find a real job. 
By now, I do n't know whom I am talking to ... It could spam or something else ... 
I find that thing unthinkable, and I am worried for my kids and other students specially young ones who already have the burden of multiple loans as you do with those odd business transactions on the back! In my opinion, students should not be treated that way. We are human beings. We should not be sold as beans or sweet potatoes. America is better than that! 
I sent a message to the website of XXXX asking to assign somebody I can talk to, but I did not get answer.
Product: Debt collection

In XX/XX/2022 I made a purchase on the XXXX XXXX site through Affirm for a loan for a pair of XXXX XXXX  from my merchant by the name of XXXX. There are multiple reports of XXXX selling fraudulent hugs to other consumers on the XXXX XXXX XXXX and the pair that I received is also fraudulent because I took them to the XXXX outlet and asked them in the store whether they were real or not and they compare them to the same booth that they had in store and showed me why they were counterfeit no serial numbers they were not the same at all and they confirmed it twice over, I never wore them. I still have them the merchant would not take them back. I contacted Affirm multiple times and told him they were fraudulent and then like I confirmed it with the XXXX outlet store and they still now or affecting my credit now for this loan and I asked him to please illuminate this loan because its for fraudulent merchandise that the merchant will not take back I dont have any need for these. XXXX XXXX they are fraudulent they were supposed to be a gift for my daughter and Im on XXXX and I dont want them but nobody will take them back. Its not like I took them and I dont wan na pay for them in the real. They are fraudulent so I dont know what to do but I dont want this affecting my credit report and I shouldnt have the money for that loan. I just want to get these boots back and either Affirm or the merchant will take them back and I tried within the merchants return policy to do that and they were very rude and wouldnt do So.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending uncountable letters appealing to Transunion to confirm the disputed account and take out them if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXXXX
Product: Mortgage

I received a letter from Loancare dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and Loancare immediately reported me to the credit agencies. My score went from the 800 's to the 600 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to Loancare, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. Loancare did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that Loancare does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of a fraudulent account that has reappeared on my credit report. This account was previously removed after being confirmed as identity theft perpetrated by my father. I have attached the original police report XXXX from the XXXX Police Department with Officer XXXX badge number XXXXdocumenting this fraud. 

Account in question : XXXX XXXX  and account number is XXXX, account allegedly opened XX/XX/year>. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), the reappearance of this previously deleted fraudulent account without proper notification is illegal. This account must be removed from my credit report immediately. 

Please take the following actions : Delete this account from my credit report Send me an updated copy of my credit report confirming the deletion You can reach me at XXXX if needed. 

Enclosures : Copy of original police report Copy of identification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for progressive renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; XXXX, XXXX  and TransUnion need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from 2019 corrected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Mortgage

House fire on XX/XX/19. Damage was under {$40000.00}. Check for structure endorsed and returned after I had to quote XXXX/XXXX/CFPB Guidelines to XXXX who handles claims for my mortgage company, Bank of Oklahoma. Then a second check was submitted which was for storage of contents, cleaning contents, moving contents. All paperwork was submitted from me and from XXXX XXXX. I uploaded everything to XXXX 's site. I gave permission to endorse check and send to XXXX XXXX. XXXX had the W9, my permission, Waiver of Lien, 3rd Party Authorization Notice, Repair Intent, Certificate of Completion, COI. They made an error and said they did not have all the info and sent the check, regular mail to XXXX XXXX for Endorsement. They said that was their policy. Then, the Manager, XXXX tells me it was their error. It should have been endorsed. Now, XXXX XXXX is out money for at least another two weeks. I am in the mortgage industry and I hear complaints like this all the time. XXXX does not follow guidelines. They constantly loose documents which is what happened here. I have had to take time to all at least 5 times to get this fixed. Each time, am told something different.