23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.
Product: Debt collection

Constant harassing phone calls daily about a XXXX XXXX account I do not own. This has been happening since XXXX. They keep saying that theyll take me off their list but they keep harassing me at my place of business. The companys name is Sequium. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not corrected.
Product: Checking or savings account

I had one overdraft fee than I checked my account again and the amount of the fee became higher so this is the reason why I'm making a complaint.thank you.
Product: Credit reporting

I have complained to XXXX XXXX and filed a complaint with the PA AG 's office. This account was overcharged for usage and wireless internet access for over XXXX months. Now XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past XXXX years. Per the PA AG 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on Transunion and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Here, XXXX XXXX of the ironically named M & T Bank " Voice of the Customer '' department has artificially added another month or more to the supposed and alleged " 120 day hold period set out in the Card Association rules '' to hold our {$20000.00} seized money, by terminating our account in writing on XX/XX/XXXX, but falsely stating that " our last transaction was sometime in XXXX, '' even though we could not even use the account because they closed it in XXXX. XXXX. Please investigate and advise, and get our money returned to us as scheduled in XX/XX/XXXX, rather than the " sometime in XX/XX/XXXX '' as they arrogantly state in their letter. It's already bad enough for us to wait 120 days to get our own money back, but to have these criminals hold it for another month or more during the Holiday season is downright evil.
Product: Credit card or prepaid card

I went to a presentation by XXXX XX/XX/2021 to get more information about there services. They ran a credit check to see if I qualified for their services. Unbeknownst to me, they enrolled me to obtain a credit card from them. I never consented to this. In fact, I have never received this credit card that was fraudulently opened in may name. 

I contacted Wyndham, and they told me to contact Barclay 's about the account. When I called they did not have any record of the account/credit card and can not even look me up in the system. I've tried disputing this credit card multiple times with XXXX but they will not remove it. 

I would like this matter investigated as this card was fraudulently opened and I am not able to close it for some reason. 

The account number is XXXX. I do not have the credit card number as I never received it
Product: Vehicle loan or lease

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SANTANDER with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019 ) and I was never 60 days late ( XXXX XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2023 I began looking for a home to purchase on XXXX. I was shortly contacted by XXXX XXXX employee of Addicted Reality ). I explained to him that I was interested in purchasing my home using a 1099-A and would be utilizing my trust. XXXX then connected me with XXXX XXXX via telephone and I explained to him that I would like to purchase a home using a 1099-A and would be utilizing my trust. XXXX XXXX ( owner of XXXX XXXX ) called me the following day and scheduled a meeting for XX/XX/2023. I arrived to the meeting and after discussing the home I was most interested in, he said we would video-chat the lender to begin the process. Before calling XXXX winked at me and said to me, " This is the guy we have to convince to give us the money. '' The man he was referring to was XXXX XXXX ( owner of Pride Lending LLC ). XXXX requested my name, date of birth, address, social security number, etc. He even provided me with a list of things I needed to do immediately in order to receive the pre-approval letter. I did everything he instructed and the meeting was well. During the conclusion of the meeting XXXX said I would receive the pre-approval letter the next day and would call to schedule a date and time for " us '' to go view the property I selected. I was very specific with my intention and expectations to be sure not to waste anyone 's time. I hadn't heard anything from XXXX so I reached out and he explained that XXXX could not verify my trust with the information I gave him. I reached out to XXXX via email asking him if I had been accepted or denied the Jumbo Loan. XXXX would not give me a yes or no and the conversation escalated quickly. I asked him to please escalate this email to the Owner/CEO/ President and he said " I am the owner of the company. I have outlined what is needed to proceed. As I previously stated, unless your credit has increased dramatically, you do not qualify for a loan in the amount you applied for. If you would like to review other loan options at lesser amounts which you may qualify for, you will need to upload the rest of the requisite documentation to the loan portal. If I do not receive by XX/XX/XXXX, I will mark as incomplete and close your file. This will be my last reply on the subject. '' He continued in a following email, " I am a mortgage broker, not a direct lender. I do not approve, deny, or issue commitments to lend. I have a wide range of lenders to whom I can shop around for my clients and broker loans to, but non of my lenders have a jumbo loan product that will accept your XXXX score, meaning I can not submit it to them. You would need to apply directly to a lender and have their underwriter approve or deny you. '' This experience was very deceiving. Speaking with the owner of a company who titles himself as a loan officer under a company called Pride Lending LLC is deceiving. He now has all of my information and I have experienced a significant drop in my credit score since our encounter. I had a XXXX credit score that is now XXXX. Several U.S.C. Codes have been violated.
Product: Checking or savings account

I have a Square account that was set up and authorized only to take credit card payments and automatically send the received funds to my business checking. However, without my consent or authorization, Square opened a checking account and issued a debit card, then began depositing our credit transactions into this new, unauthorized checking account. I contacted them and requested a fraud investigation, thinking someone else had done this because there was an unsuccessful account takeover attempt around the same time the unauthorized checking account was opened. However, Square 's investigation indicated that other than the failed account takeover attempt, no fraud occurred including the set up the checking account and issuance of the debit card. I instructed them to close the unauthorized checking account and debit account, and return my account to its former, authorized configuration. They stopped responding and to date continue to use this unauthorized account for our deposits. In short, Square apparently decided to open additional accounts under our existing account and change the terms of our deposit arrangement without our consent or authorization. I believe this is similar to the fraud executed by XXXX XXXX between XXXX and XXXX, where their employees opened new services under existing accounts, without the account holder 's consent, in order to increase their apparent account base.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Exeter Finance LLC I accept NO responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession and charge off account. Since you're supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect : 1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

3. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

4. Monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

I look forward to resolving this matter quickly. 

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

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX Account Type : Unsecured Loan Account Number : XXXX Balance Reported : {$0.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide complete verification of the debt upon request. No verification has been provided for this account, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting has not ceased. This is a clear violation of federal law.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to ensure maximum accuracy of reported data.

The balance is reported as {$0.00}, yet the account is listed as a Charge-Off and in Collection, which is misleading.

Comments indicate that the account was purchased by another lender and sold to XXXX XXXX XXXX XXXX, yet no valid verification of the transfer or sale has been provided. 
Reporting an account as a loss by the credit grantor while simultaneously showing {$0.00} due is contradictory and creates inaccuracies. 
4. Duplicate Reporting of Charged-Off Accounts : The comments state this account was sold to another lender ( XXXX XXXX  XXXX XXXX XXXX XXXX suggesting a potential duplicate account could be created for the same debt. This practice is misleading, as the original account should no longer report if sold. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One Bank at the branch in XXXX MD accepted PPE or EIC in the amount of {$130.00} or larger and stated I asked or presumably stated I accepted it by not accepting allowing a credit by not saying I do not want it. It was then credited to my account for 45-60 days and next my business account was sent the funds which was originally in my personal account, at this point that credit was transferred to the business account. After several attempts by phone and in person all staff and customer service representatives denied that this payment was placed in one Account and removed, put in my business account. After several attempts the bank closed my business account and reopened it on XX/XX/XXXX at or between XXXX Est. 

In short the bank is also modifying my communication preference and placed my business account address as the bank address. 
In XX/XX/XXXX I reviewed my business account address as the address where the bank is. 

In XXXX XXXX the bank allowed charges to my account and did not allow a refund after fraud was reported after several attempts the bank has not provided any recommendations.
Product: Mortgage

I refinanced my mortgage with Nationstar Mortgage. The closing date was XXXX XXXX, 2015 and disbursements were made on XXXX XXXX. Nationstar had authorization to access my checking account for the monthly mortgage payment. As I said, the account was paid off on XXXX XXXX but Nationstar accessed my checking account on XXXX XXXX and withdrew payment in the amount of {$2600.00}. I immediately called them to get the problem corrected and spoke to a supervisor who acknowledged the error and told me that the transaction would be reversed electronically within XXXX hours. The next day since reimbursement had not occurred I called back and was informed that the re-financed account had been closed and that reimbursement would be made by check sent by express mail. That payment arrived today but the amount reimbursed was for {$2200.00}. The bank had retained {$400.00}. When I called for an explanation they tried to " explain '' that according to their records that amount was still owed and so it was retained. I asked the supervisor, XXXX XXXX, if she was claiming that the settlement sheet ( XXXX ) which showed complete disbursement was incorrect. She said the settlement sheet was correct. I noted that the amount outstanding on the loan as of XXXX XXXX was {$370000.00} and that the payoff amount, which she acknowledged was correct, was {$380000.00} and that payment was made as scheduled on the settlement on XXXX XXXX. I also asked if Nationstar had not improperly billed my checking account for payment against a closed account whether I would have been billed for the {$400.00}. She stated that I would NOT have been billed but still insists that the bank had properly retained the {$400.00}. I then called the Settlement Agent, XXXX XXXX XXXX XXXX XXXX, which verified that disbursement had been made as stated in the settlement and that all accounts were deemed accurate. He also noted that I had received a reimbursement at settlement of {$1100.00}. No one can undertsand what the retained funds claimed by Nationstar are for.
Product: Credit reporting or other personal consumer reports

I have recently noticed that there are code blocks associated with my account, and I believe that these may be impacting my credit report inaccurately. I kindly request that Equifax investigate this matter and remove any code blocks that are not valid. 

I understand the importance of accurate credit reporting and I would like to ensure that my credit report is reflective of my true financial history. I would appreciate it if you could resolve this issue promptly and notify me of any updates regarding the removal of the code blocks from my account.
Product: Money transfer, virtual currency, or money service

I was victim to scam that led me to transfer {$1500.00} to XXXX XXXX on Zelle on Friday XX/XX/2022. I was given a check for {$1900.00} that turned out to be unverified. I was tricked into making another transfer of the rest of the money to another email that was not signed up with Zelle so I was able to cancel that transaction. However the initial one had already gone through and therefore is not recoverable outside of asking them to send it back. I called XXXX XXXXXXXX XXXX on Monday XX/XX/2022 to ask about the second transaction when they informed me that the email I had made the second transaction out to was already reported. They said that the most they can do is contact XXXX XXXX 's bank and ask for the money back. 

The scam was a job offer of being a student research assistant at my university. They had sent me the money to order my materials then told me to transfer it to a sales development representative.
Product: Credit card or prepaid card

XX/XX/XXXX I applied for a Business cars and provided only my business information such as my TIN #. There was a SS# request section in addition to the TIN request section. I declined to put my Ss# in this section because I did not want to mix business credit with the personal credit. Once the application was completed. I received a email stating that to send additional documents for processing. Just as I was getting ready to send the documents capital one emails a decline letter, stating they would send the information about the decline within 10 days. Shortly after and because I’m signed up with Credit Monitoring through XXXX XXXX, I received notification that my “personal”credit had been accessed.I immediately called Capital one and was told that my credit was declined because I placed my TIN in the Ss section . I agreed and informed the representative that I did so because it would not let me move forward without entering some type of data in the section.As mentioned earlier the application requested a TIN, which was provided; and several sections later requested my personal social.Upon inquiring about the reason for decline prior to me being able to submit the requested documents, the representative informed me that even though I applied for business credit my personal credit must be accessed. I then informed the representative that clearly they were able to access my credit without me having to provide it because my credit monitoring application just alerted me that CAPITAL ONE accessed my credit.  The representative was unable to make since of the actions of CAPITAL ONE and only stated that I had to reapply which would result in yet another credit pull. I escalated the situation and still was unable to resolve. Finally, one day later I receive another email stating that I was declined because Capital one was unable to move forward because of a fraud alert that was placed by my on my XXXX bureau that didn’t contain a contact phone number for them to reach me to confirm that I did indeed apply for credit. However, as stated earlier if indeed they were unable to move forward on the application, why didn’t  CAPITAL ONE just decline the application and request further information instead of pull my PERSONAL CREDIT Without my permission, compromise my score, only to provide me with conflicting denial reasons.I am requesting that you further investigate the actions that took place in this business credit card request.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 an attempt was made to communicate with Experian by submitting a letter via certified USPS mail requesting that a dispute be initiated. Experian has been unresponsive and also have not taken steps to assist with this issue. 

The account is under XXXX XXXX XXXX whom is currently under litigation for engaging in subprime lending practices to consumers between XX/XX/XXXX-XX/XX/XXXX. Because I am in the eligibility criteria and qualify for relief it is my intent to be sure that each of the credit bureaus are also complying with this matter by removing the account from my consumer report. For identification purposes I've included my driver 's license and social security card so that this matter can be properly addressed and the dispute is started. Also included un this compliant is the letter that has been sent to XXXX XXXX directly.
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Midland Credit Management XXXX XXXX for inaccurately reporting a collection account on my credit report in the amount of {$5400.00} Account number on XXXX # XXXX without proper notification or verification. I have never received any written notice regarding this debt, and I have no acknowledgment of its validity. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 7 ) [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ], debt collectors are required to send a written notice at least 30 days before reporting negative information to a consumers credit file. Since I was never notified, this reporting violates my rights under federal law. 

I am formally disputing this account and requesting its immediate removal from my credit report. Additionally, I request that Midland Credit Management provide documented proof of the alleged debt, including a detailed account history and validation of the obligation. 

Please take immediate action to correct this violation and provide a written response outlining the steps taken to resolve this issue.
Product: Debt collection

As a consumer I can get a free credit report, with reviewing my credit report I have notuce that CCS Collection have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, Experian and XXXX, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because Experian and XXXX say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to Experian and XXXX did nothing.