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

In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.
Product: Credit card or prepaid card

I've been a XXXX credit card holder for probably over 20 years. I don't know when it happened, but " XXXX by Goldman Sachs '' took over from XXXX. I get all my bills in the mail in paper form. I received a phone call from a representative who told me I had an outstanding balance this last XXXX. At that time I informed the representative that I never received a bill in the mail from them. I paid this outstanding balance immediately. The representative told me that after I make the payment my account balance would be {$0.00} and the late fee and interest charges would be reversed. In XX/XX/2022, I started receiving notices in the mail from XXXX that I still owe them money. On XX/XX/2022 I called their customer service number and the representative told me it was again fees for interest & a late fee. At that time, I explained what occurred in XXXX and she told me that XXXX had made all my statements electronic. I do not get any of my bills this way. Every month they just keep on tacking on more fees on my account when it was XXXX who made the error of delivering my statements electronically. After numerous phone calls, and a guarantee that someone higher up the chain will be calling me to straighten all of this out, all I keep getting is statements in the mail with a new HIGHER balance due. This is their fault for making my account statements delivered electronically. I NEVER requested this action. They are now wrecking my credit score by reporting this ever growing balance due under my SSN. Please assist me with getting this matter straightened out with this XXXX company. 

XXXX, XXXX XXXX
Product: Student loan

Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX. 

XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website. 
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.
Product: Checking or savings account

A fraudulent checking account was opened under my name, through US Bank.
Product: Mortgage

Started loan modification XX/XX/XXXX. Have submitted XXXX documents numerous times uploaded to Mortgage co website and XXXX letters. Every time I call with questions based on logging into their website I never get the same person. I have been told we dont qualify, rude employee who stated my husband works XXXX she entered into their system now additional information required, ( he had a complete XXXX XXXX and I have applied for SS XXXX, we have only SS income ) different states answers Oregon Texas etc. so need to talk to supervisor. Never get the same answer ever Been Told Underwriters are processing the application. Sure, that is why we have to upload SAME documents again and again. What are they looking for? Not one person from mortgage co has called us to help us with our application. I have asked please someone help us We have owned our home XXXX  years and have plenty of equity. Good luck to anyone else who gets old has numerous medical bills and lower income. Since home values are up in our area and equity in our home. Probably will let it go into foreclosure we cant possibly use our social security to pay for the large payment
Product: Mortgage

RE : Home Loan # XXXX I have respectfully submitted all the Home Loan documents to Wells Fargo XXXX numerous times since XX/XX/XXXX to the current. I recently received another letter dated XX/XX/XXXX requesting for the same documents to be sent again. This is a delay tactic being done by Wells Fargo XXXX since I have filed complaints with the Consumer Financial Protection Bureau and sent letters to President Joe Biden and Members of Congress and the Senate. I will continue to send letters to the White House regarding Wells Fargo 's Retaliation and Discrimination against me and my family. My family and I have been a victim of home foreclosure in XXXX by Wells Fargo Bank and XXXX. Very painful and traumatic experience. We hope and pray that my family will not have to go through Home Foreclosure again. My son is XXXX and all this stress is not helping my family members. 
Wells Fargo XXXX continues to ask the same questions and are now asking more questions that really does not have really have anything to do with the actual Home Loan Modification process. New questions are about LegalShield membership that I utilize for XXXX XXXX letters to protect my Civil Rights under the Constitution of the United States. XXXX payments periodically I send funds to my XXXX XXXX named XXXX XXXX and has no job or income and currently a student. XXXX XXXX is a graphic designer that my friend and sent payment for some flyers and artistic designs. This is not a recurring. 
I purchased the XXXX XXXX XXXX on XX/XX/XXXX because it is important to drive a safe reliable vehicle as a rideshare driver who does a lot of driving for a living. I put XXXX DOWNPAYMENT for this vehicle. I returned the XXXX XXXX XXXX vehicle to XXXX XXXX on XX/XX/XXXX. The XXXX XXXX already had about XXXX miles upon surrendering it. The vehicle would not be deemed safe with such high mileage. 

IMPORTANT NOTICE : California Mortgage XXXX has sent Wells Fargo Bank around {$13000.00} in XX/XX/XXXX. Both Wells Fargo Bank and California Mortgage XXXX XXXX to send the Evidence of this payment and acknowledge the SOURCE. I keep sending numerous requests for this information but they still will not honor this truthfully. I am respectfully requesting for a letter stating that this occurred. 
My greatest concern is to save our family home from FORECLOSURE and respectfully requesting Wells Fargo Bank and XXXX modify the mortgage to be a fixed rate with affordable monthly payments with no derogatory remarks on my credit score. 
I am not being represented by XXXX XXXX XXXX XXXX in XXXX XXXX. 
Looking forward to the conclusion of this long awaited Home Loan Modification request. Long live the American Dream of Family and Home.
Product: Credit card or prepaid card

I was undergoing financial forbearance do to the lack of work after contracting XXXX in XXXX and was cleared by the doctors XXXX. I was working part time and making automatic payments with my creditors and they are saying I missed two months XXXX and XXXX. I have made on time automated payments for two years and 4 months but now due to the crisis the system must have been glitched because I have been able to pay off my over one forth of my balance. I do not recall ever unregistering my autopay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and,3 % financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Owed : {$410.00} XXXX  XXXX XXXX Balance Owed XXXX {$410.00} XXXX XXXX XXXX Balance Owed : {$410.00}
Product: Checking or savings account

I submitted a complaint about money being randomly being debited from my account to the office of the comptroller of currency and received a letter date XXXX that it was turned over to you for assistance. To date I have not heard anything from your agency. Since then, today XXXX I was notified that my account was debited for XXXX and I have left the house nor have I made any online charges. This is the third unauthorized debit from my account. The letter from Direct Express is attached as well as one from office of the comptroller of currency
Product: Checking or savings account

On XXXX I was informed that my bank account was closed and a reason was not given. All the money in my account is from XXXX to pay for my mothers funeral services as of XX/XX/2020 i have XXXX in the account when i called suntrust they said if there is a balance they would send me a check. There will be a balance since i didnt get checks or a debit card yet. I think its XXXX that they can close my account for no reason at all or maybe its cuz i had 2 deposits from a charity to help pay for a funeral.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
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 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 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 or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across two major credit bureaus - TransUnion and XXXX. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2018, Tek Collect indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with Tek Collect, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking Tek Collect 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
Product: Debt collection

Portfolio Recovery of GA ( latest number XXXX ) keeps calling. XXXX research indicates this is a collection agency. I owe nothing but a mortgage which I pay monthly. I have no debt problems. XXXX research indicates this firm just calls and calls. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : Collections Credit Collection Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Date Opened : XX/XX/XXXX Source XXXX XXXX 

Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$99.00} Date Opened : XX/XX/XXXX Additional Accounts from Experian Report XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that Experian : Conduct a thorough investigation into these matters. 

Correct or delete the inaccurate information as appropriate. 

Provide me with a copy of the updated credit report reflecting these changes. 

Please note that FCRA requires you to resolve this dispute within XXXX days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved XXXXXXXX XXXX
Product: Credit card or prepaid card

A XXXX  / debit card was fraudulently opened in my name with a {$25.00} deposit to open the account on XX/XX/XXXX at Suncoast credit union. I filed a police report with XXXX XXXX XXXX and both called the company to get them to send us a fraud letter showing the account is closed and to disclose more information about how the account was opened. The email used was XXXX email. I also contacted gmail and let them know the email is fraudulent. The company has not sent the letter despite two calls from me and it's been over 10 days. Last spoke with XXXX XXXX on XX/XX/XXXX. I simply want all the information about who opened this account, how the money was transferred in and a letter stating the account is closed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Topic : Citibank changed terms of loan after rate lock and advising me to remove loan contingency The following is the timeline of mortgage-related events : - Early XX/XX/2023 : My husband and I submitted paperwork to Citibank for a new mortgage application - XX/XX/2023 : We submitted an offer to purchase a house. 
- XX/XX/2023 : On the same day, XXXX XXXX, a Citibank mortgage officer, told my real estate agent that we're " fully approved '' and " don't need a loan contingency. '' Real estate agent advised keeping it regardless. 
- XX/XX/2023 : Our offer to purchase the house was approved and signed by all parties. 
- XX/XX/2023 : Appraisal was completed. Appraised value was equal to the final offer value. 
- XX/XX/2023 : On the same day, XXXX XXXX again advised our agent that we were ok to remove loan contingencies. We submitted signed paperwork to that effect. 
- XX/XX/2023 : My husband and I signed and returned our loan packet and rate lock agreement, which stated our terms at 15 % down payment, 5.125 % interest, and no PMI. These terms had been previously discussed and verbally agreed upon as well. 
- XX/XX/2023 : XXXX XXXX called me to state that the terms were changed to 20 % down payment and 6 % interest. This occurred after loan packet documents were signed, and after XXXX XXXX had advised us to remove loan contingencies. We had budgeted for a very different circumstance, and this bait and switch should not be acceptable. 
- Late XXXX : Appeals were unsuccessful. 

Documents attesting to the above timeline can be supplied as needed. These include loan packet, offer letter, emails, and text messages.
Product: Student loan

ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.