23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hi I bought a new XXXX XXXX from XXXX XXXX financed by XXXX XXXX XXXX as my previous second hand car also bought through them was leaking oil it was a lemon. They rolled the negative equity from the trade in from my XXXX into the new loan without telling Me and also added insurance to the car repayments which I do n't need as I am already insured with XXXX. Now I ca n't afford the car as it is more than double the car repayment I had before. I really needed a car and they took advantage of me at signing with huge auto loan more than double what the car is worth
Product: Credit reporting or other personal consumer reports

I sent out letters to all bureaus and still have yet to receive a reply. It has been more than sixty seven days since I mailed dispute letters. And over thirty one days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that 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! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/2024. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/2024 and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.
Product: Credit reporting or other personal consumer reports

in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
Product: Checking or savings account

On XX/XX/year>, an individual named XXXX XXXX opened four business accounts under my company name and added himself to the accounts without the correct paperwork. A police report shows there was no actual ID present at the time. I can prove that I was in XXXX not XXXX XXXX where this occurred. When I contacted PNC Bank about this, they claimed they verified my address, which did not happen since I did not live at one address at that time and never received any letter from them. They said its not their problem. If they had not opened the accounts fraudulently, I wouldnt be experiencing this pain and emotional distress, which has also affected my famiLy
Product: Mortgage

To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... REPUBLIC FINANCE XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT bank ozk 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 Simply I deposited {$500.00} and Ozark Bank sent me a cheque for {$180.00} while closing the account. Explanation/Justification/ no interest added/ forwarded declarations and small cash deposits over the periods/ non recognition.. Password could be XXXX. cell phone XXXX XXXX XXXX XXXX you could send me a code as well. add verification word/phrase what you are wanting or needing the verification word/phrase to be XXXX Need accounting of XXXX. No. XXXX XXXX please. Receipt of declarations and deposits by date. Interest earned and balance website declaration : XXXX XXXX Save more and earn entries to win {$10000.00} {$50.00} minimum opening deposit requirement $ 3 monthly service fee o Avoid the monthly service fee by maintaining a minimum daily balance of {$100.00} or more during the monthly statement cycle o Waived for the first two monthly service charge/statement cycles after account opening Earns XXXX Up to XXXX account withdrawals or transfers per calendar month to avoid a XXXX Unique mobile app savings XXXX Free paper statement To learn how you can earn entries to win {$1000.00}, read the FAQs or Prize Linked Savings Rules ( Promotion not available in Florida ) Bank OZK - XXXX XXXX XXXX, XXXX XXXX FL 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 minimum daily balance always XXXX False advertising, False promises, False representation, Unacceptable Minimum interest and full deposit reimbursement required XXXX dollar monthly fee charged totally reprehensible Will not rest unless false advertising stops for everyone else Must be consequences to this behaviour or will go back to FDIC
Product: Mortgage

Spoke with PHH Mortgage customer service today who is the servicer for our loan I was informed they were not processing my mortgage assistance request. I requested to speak with XXXX  whom I spoke with yesterday, upon being persistent I was told that she did see information the mortgage assistance request was being reviewed by the Obuduman dept. and the foreclosure sale for my home XXXX was canceled. I immediately contacted the foreclosure attorney office to verify the foreclosure sale was canceled, I was informed by them that the foreclosure sale was not canceled with them, the foreclosure attorney, PHH is giving misleading information and I feel they are purposely trying to make me loose my home to foreclosure Also I was affected by covid-19
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX 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 XXXX 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

1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/scrub>XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention.

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor.

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously.

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about Experian 's continued reporting of inaccurate information on my credit report related to XXXX XXXX. Despite multiple disputes regarding this account ( Account Number : XXXX ), no steps have been taken to correct or remove the errors. These inaccuracies are severely impacting my credit score and misleading potential lenders. I've made numerous efforts to resolve this by contacting both Experian and XXXX XXXX, but the issue remains unaddressed. The ongoing failure to correct these errors is causing financial harm, making it difficult for me to obtain loans and credit. The stress from dealing with these reporting mistakes is also taking a serious emotional toll.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Penn Credit Corporation and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a XXXX from Hyundai. Back in XX/XX/XXXX, I was laid off from my job due to the pandemic. I called Hyundai Motor Finance ( HMF ) in the month of XX/XX/XXXX to have my payment deferred on my lease because I was uncertain of my financial situation. The person on the phone said it was ok to do since people everywhere were getting laid off. They explained that my payment will be pushed to the end of the loan. I then called back in XX/XX/XXXX and they explained the same thing regarding my XX/XX/XXXX payment being deferred. I noticed on my XX/XX/XXXX payment statement, my lease maturity date was not XX/XX/XXXX ( the original date ), but XX/XX/XXXX. Since they told me that the payments were thrown at the end of the loan, it made sense that two deferred payments extended my lease date to pay for those payments ONLY. However, on XX/XX/XXXX, when I received my last bill, it was for {$950.00}. I called HMF the same day at XXXX XXXX  CT and the agent said it was because my loan was deferred for two months, so that bill includes the two deferred payments and my last monthly payment. I told them, yes it was deferred for two months but my original lease maturity date was XXXX XXXX which is why XXXX XXXX is the new one. She was not really sure after 45 minutes of being on the call. I then called 8 more times after that and talked to other agents and supervisors and no one knew what to do or what had happened. The only common response from everyone was that I had two payments deferred, but I explained that I have already paid 39 payments for the XXXX lease for {$12000.00} which is the same amount in my contract for the lease agreement which is {$12000.00}. 

However, I was not told until yesterday, XX/XX/XXXX at XXXX CT, my lease went from 39 months to 41 months because I kept the car longer and it was explained to me, which is not true. I even asked if they had pulled up the transcript that is recorded from XX/XX/XXXX and XX/XX/XXXX conversations with the agent and they did not and will not. They failed to do their due diligence. HMF is failing to admit to its mistakes, yet they said multiple times that their system ADDED payments because it didn't know how to defer lease payments. So they are penalizing me to pay for something that their system messed up. I should not be penalized for their broken payment system. I would've never agreed to extend my lease for 2 more months, 3 years ago. That does not make any logical sense, because I knew I was going to be working again. HMF is violating my lease agreement and they don't want to be held responsible.
Product: Checking or savings account

Robinhood Financial manages a XXXX XXXX debit card issued by XXXX XXXX I notified XXXX at XXXX XXXX on XX/XX/21 of unauthorized transactions on the card account. They do not have phone support and only accept correspondence by email/in-app assistance and written mail. 

After sending an email through their app, Robinhood should have completed investigation by the XXXX ( making allowance for the bank holiday on the XXXX ). They failed to issue the credit by the XXXX business day, and placed a complete block on my account and card, while requesting a copy of my passport on XX/XX/XXXX to aid in their investigation. 

Robinhood then denied my dispute on the XXXX once I uploaded the passport document. Their error resolution notice did not include my right to receive documents used in their investigation. I notified the company its error resolution notice was deficient, and they sent a new notice offering documents used. 

I sent a letter and requested documents used. The company refused to provide this, with a member of its escalations team writing that " [ my ] case was escalated for an additional level of review ... '' and most importantly that " due to regulatory concerns, and for the security and protection Robinhood accounts, we're unable to share any information with you about the outcome or process of our investigation. '' It is ironic that they are required by law and regulation to have credited me and agreed to provide these details, and are using some fictitious regulatory barrier to disregard my Regulation E rights. I will forward a copy to FDIC for complaint adjudication as well.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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