23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a previous complaint to Hyundai about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except Hyundai to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, Hyundai charged me a fee and said they would have waived it if I had gotten a Hyundai. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another Hyundai. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does Hyundai think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, Hyundai instantly begins reporting late payments to the credit agencies? Why can Hyundai take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when Hyundai was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have Hyundai honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to Hyundai, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to Hyundai. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions Hyundai should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy? 
2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified that Experian is reporting XXXX credit cards as being closed when they aren't. They referred me to call the credit card companies and both cards are active. I want them to correct their incorrect information
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfers

I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015.
Product: Credit reporting

XXXX TransUnion, and XXXX keeps adding information to my credit report that is false, been deleted or not mine.
Product: Mortgage

On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I paid off a loan with a loan. The paid off loan company sent me a paid off letter but did not send same data the credit companies. I call and asked them to. Still not done. I disputed it. In the credit company they first said I was wrong. I uploaded the letter sent to me showing a XXXX balance and they now report loan paid in full. 
Problem is the credit company will not show a XXXX  ( XXXX ) balance it shows a dash ( - ). 
This is happening throughout my credit report on many accounts that have been paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a closed XXXX XXXX XXXX XXXX account ( Account # XXXX ) on my credit report dated XX/XX/year>. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting inaccurate information. Additionally, 15 U.S.C. 1681 ( a ) requires that consumer reporting agencies maintain maximum possible accuracy in credit reporting. This account is closed, inaccurate and unverifiable.

Furthermore, 15 U.S.C. 6802 protects against unauthorized sharing of personal financial information. XXXX XXXX XXXX XXXX has failed to provide any proof that this account is legitimate or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

This company garnished my wages with no permission or earning and are trying to charge me XXXX for a XXXX loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. 
Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX  XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. 

XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXX XXXX the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.
Product: Vehicle loan or lease

My husband and I bought a XXXX Toyota XXXX  in XXXX of XXXX. Toyota XXXX is our lein holder. My husband passed away XX/XX/XXXX. Our vehicle was titled XXXX XXXX AND XXXX XXXX. ( Not & or survivor ) DMV needs Toyota Financial to release the title long enough to make necessary changes ( taking my husband 's name off the title ) I have talked to Toyota Financial repeatedly & filled out, mailed AND faxed paperwork to them that is required. They are telling me that DMV will have to fax a written request for them to consider doing this! DMV will not do this, as they have never been asked to do this before! I can't get my registration renewed until this is resolved. I was pulled over by a police officer Friday night in XXXX XXXX Va and was written up with a warning. I'm stuck in the middle of this situation .... PLEASE ADVISE!! I NEED HELP!
Product: Debt collection

XXXX mailed a phone to me that I never received. I communicated this information to them and was told I dont owe anything, the situation would b taken care of. After multiple back and fourths I was told situation resolved, it was confirmed I did not receive the phone nor do I owe a bill. 
Now Im receiving multiple calls and emails from a law firm, identifying themselves as debt collectors
Product: Checking or savings account

I disputed transactions against my account. After learning that my claim was denied, my account was frozen. After being on hold for over an hour, I am informed that my accounts are being terminated and all finances will be mailed to my address. My funds are no longer accessible ( who knows how long it will take to get by mail ). The termination was given with no notice. 

To make matters worse, I had scheduled a payment with the IRS for my federal taxes prior to this. The IRS can not cancel the payment and my bank is not letting my funds go out ( except in a check to myself ). I additionally have a mortgage to pay that I no longer can and I was receiving funds into this account from my employer via direct deposit. I currently can not get paid.
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 rights to privacy and confidentiality under 15usc1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15u.s.c 1681 section 602 A. states I have the right to privacy. 15usc1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15u.s.c1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes antedates the report by more than seven years. 15u.s.c 1681s-2 ( A ) ( 2 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023 I spoke with a supervisor by the name of XXXX XXXX from IC Systems. I called in to pif the account associated with ATT U-VERSE since its placed on my credit. I asked if i paid a sif would it be removed from my credit. On a recorded line XXXX proceeded to tell me that if i paid the settlement of XXXX for the Att u-verse account ) that the account would be removed completely from the bureaus within 30 to 45 days. I paid the sif amount in full on XXXX XXXX XXXX. I requested a removal letter in writing to prove this will be removed. XXXX XXXX advised that a removal letter will be sent out 30 days from the last pay date upon consumer 's request. When receiving the letter, it was not a removal letter and then when calling IC SYSTEMS back a rep proclaimed to tell me that it wouldn't be removed bc its not paid in full, which is misleading info to properly attempt to collect a debt knowing I called to pif specially to get it removed. I asked to be connected to a supervisor, when the supervisor took my call she ref to help and sent me to consumer affairs which nothing has been resolved properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

experience and XXXX are reporting a charge off that is 9 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with XXXX, TransUnion and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Product: Credit reporting or other personal consumer reports

I AM A REPEATED VICTIM OF IDENTITY THEFT. MY INFORMATION WAS COMPROMISED IN SEVERAL BREACHES.
Product: Debt collection

I 'm a victim of identity theft and the person open accounts in my name.
Product: Mortgage

In XX/XX/2021, Mr. Cooper purchased our home loan and we were notified of the transfer. We do NOT have an escrow account with Mr. Cooper, nor did we with the mortgage company prior to Mr. Cooper. In XX/XX/2021, I received our monthly mortgage statement that suddenly showed a negative balance of {$700.00} in an escrow account. Again, we do not have an escrow account. Upon calling the company, we were told that Mr. Cooper paid our homeowner 's insurance, from an escrow account ( that we never opened ). We never authorized anyone to open an escrow account. I inquired as to why a payment was made on our behalf from an escrow account that we never authorized to be opened, but the only response was that the company would do an escrow analysis on our account. We never received any explanation. The only option was to send Mr. Cooper a check for {$700.00} to essentially pay them back for paying our homeowner 's insurance, or they would add the amount onto our principal payments. I contacted our insurance company, XXXX XXXX, who said they never requested payment by Mr. Cooper. At the time of my inquiry in XXXX, there were no posted statements in our account under the escrow section of their website. 

Today, I checked my account at Mr. Cooper 's website and it shows that the {$700.00} I sent them was applied ( incorrectly ) to my principal loan amount instead of to this mysterious escrow account which had a negative balance. Again, I spoke today with representatives at the company ( one in mortgage, one in escrow, and one in insurance ) who assured me they moved the payment over to the escrow account. The representative in the insurance department named XXXX, told me my account showed that we had an escrow account that was reviewed and approved by a manager and made a payment from that account in XX/XX/2021. I asked to be escalated to an escrow supervisor and was sent back to the main menu and never could connect to a live person. In my frustration and concern that this will happen again, I decided to file this complaint. 

In addition, I have concern that Mr. Cooper backdated escrow statements and posted them to my account falsely. In XX/XX/2021, when we first received a statement showing a negative escrow balance, there were no additional statements showing explanation. Today, there are now 4 statements that are backdated from XX/XX/2021 through to XX/XX/2021. Again, these documents were not present in XXXX. Each statement shows a different escrow balance. 

I am concerned that Mr. Cooper will again make a payment to our insurance company from an escrow account that we NEVER OPENED. I am also concerned that they are backdating statements that never existed and uploading them to our account.
Product: Checking or savings account

I disputed two charges last month from a merchant that I cancelled and revoke authorization from charging me back in XX/XX/2023. 

You disputed the charges in XXXX and credited me the money back. I was told you would block them from charging me again since I revoke authorization from them to charge my account. 

I check my account today XX/XX/XXXX, and yet again there is another {$10.00} charge. The merchant info is below : XXXXXXXX XXXX- {$10.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Student loan

I received an email from XXXX saying I have a credit alert. I called them after looking at the subject, private student loan from XXXX XXXX XXXX XXXX XXXX. I asked the XXXX representitive for the phone number. The number I got was for a law firm in California. After speaking with them briefly, they wanted to set up an appointment to speak to one of their attorneys. I declined and thought I would call XXXX XXXXXXXX XXXX. I went to the internet to find their number and the first thing that popped up was from the CFPB. I read the article and felt immediately that this claim is fraudulent. First, I never attended the XXXX XXXX XXXX. XXXX of my children did however. I do not have any recollection of having any loans from XXXX XXXX XXXX and I am fastidious with those matters. After my children graduated they consolidated as best they could all of their student loans including the our parent loans we took out for them. I know both of them are still paying student loans and are timely doing so. My concern that this is XXXX and has shown up on my credit report. I won't take any action until I hear back from you. Thank You!! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.
Product: Debt collection

XXXX XXXX Account numberXXXX XX/XX/XXXX Price : {$150.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, XXXX Collection account. {$3700.00} past due as of XXXX XXXX XXXX Balance {$3700.00} Fraudulent Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting the immediate removal of this inaccurate information. There are multiple inaccuracies associated with this account
Product: Credit reporting or other personal consumer reports

My consumer report consists of a number of inaccuracies that i have personally contacted the furnisher and the reporting bureau. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of the account, they are not permitted to report it to the credit bureaus. I have on Mutiple occasions asked the credit bureaus Transunion, XXXX and XXXX to remove these items from my credit report if they can not be corrected, XXXX being the only agency to rightfully do so. the other two still have not done so which is a complete volitation of my consumer rights.
Product: Checking or savings account

My card was stolen and funds were taken from my account. I filed a dispute with Wells Fargo bank and they informed that after 10 days I would be provisionally credited while my claim be investigated. I was credited for 1 of the fraudulent charges made, and on the XXXX day I was denied for the other fraudulent charge made. Both charges were from the same merchant, so I dont understand the rapid decision. I would like this claim to be governed for constructive fraud. I also request documentation used in this investigation, because there should be no way an investigation took place that fast.