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

I returned my car back to the XXXX XXXX I have proof of return receipt. I made XXXX more payment as instructed for the month that I returned the vehicle. Then approx 45 days later I started receiving threatening phone calls and text messages about collecting the payment for my car. They claimed I was over 30 days late and then started claiming I was over 60 days late. 

I asked on several recorded phone call conversations to speak to a supervisor. Each and every time I was told that a supervisor was not available to help me or that a form had to be completed and given to the supervisor and that I would be contacted. The first conversation I requested to speak to someone was XX/XX/XXXX, then again on XX/XX/XXXX. Additionally on the XXXX I was requested to send in proof of my return which I sent to the required email. 

On XX/XX/XXXX I called Hyundai Motor Finance XXXX and they were not able to get me in touch with a XXXX but could confirm they received a check from the dealer on XXXX XXXX and that it would take XXXX business days to apply the funds to the account. I'm filing this complaint as of XX/XX/XXXX as I'm still receiving phone calls and every time I call the company to confirm they keep transferring me around and telling me they can see my account has been paid but can not figure out why I keep showing up as someone who owes a debt. AT THIS POINT I'M VERY FRUSTRATED AND CONCERNED about my credit report showing a 62 day late on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX FKA XXXX 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXXXXXX XXXX XXXX XXXX if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit card or prepaid card

Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!
Product: Credit reporting or other personal consumer reports

The are unauthorized inquiries reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and I have a home in XXXX North Carolina, which is mortgaged through SLS Mortgage Company. I have been trying for several months to get SLS to drop the PMI from our mortgage but they will not respond to our requests. We have invested XXXX in improvements to the home which has increased the value significantly. My wife and I have called several times, weve sent in all requested letters but have gotten zero response from SLS. We would appreciate any help you could offer on this matter. Please see attached letters
Product: Credit card or prepaid card

I had noticed 2 hard inquires from XXXX XXXX on my credit reports and that a Discover credit card had been opened in my name with Discover during XXXX 2016, the exact time frame that the 2 hard  inquiries were put on my account. 

I have written to discover numerous times explaining that I did not apply for any credit with them ever and I did not authorize that card. I immediately closed it out and disputed the inquiries and the credit card on my report but the bureaus nor discover care to resolve this with me. 

I have reached a point of where I wanted to bring this to your attention before I proceed with legal action to have it removed from my report. 

I do n't want a discover card, never have, never will, and never applied for one.
Product: Money transfer, virtual currency, or money service

I was scammed using Zelle for over XXXX XXXXXXXX and i tried to get my money back but zelle said it was not a scam and they could not do anything to help me.
Product: Mortgage

First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Vehicle loan or lease

I would like to see full and complete reimbursement for all of the hardship that I had to face with having to move and then being denied for housing and I have XXXX children and a wife and I am a XXXX veteran. I feel that a complete reimbursement for the denial for a vehicle and not being able to get to work to support my family. And a vehicle in Georgia cost as well as an insurance is a must as well as emissions. Been denied put a stronghold on me and my family having to get rides and find unsuitable vehicles that were temporary and did not help it only cause more issues financially. With my estimates over the years due to this issue cost me over {$500000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX  falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. Equifax just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined Exquifax and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX, Equifax and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
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 : DEPT OF EDUCATIONXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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.

15 usc 6802 /15 usc 6801
Product: Checking or savings account

On XX/XX/2020 I noticed several fraudulent charges on my account dating back to XX/XX/2020 I disputed the transactions then in about 10 days I get an email from capital one saying they denied my disputes because they found no error 's. I called and Spoke with XXXX XXXX ID # XXXX who works in the Fraud Department at Capital One and he was immediately rude, evasive, and you could tell that he absolutely did not want to answer any of my questions or even talk to me. I asked him several questions which he either did not answer or just blatantly lied to me when he did answer. After asking about an XXXX dollar transaction I was told they contacted the merchants to verify the validity of the charges however all the fraudulent charges took place online so how are the merchants going to verify that they sold anything to me? At most they can only say we sold something to someone who was using his debit card. Anyway XXXX finally just told me " You are too much of a risk for us '' so we are going to no longer do business with you and their will be no further investigation our decision will not change your not getting your money back and furthermore we aren't going to do business with you anymore. I asked him if it wasn't just a bit too convient that capital one owes me almost XXXX dollars in fraudulent charges and then they decide they just cant take a risk by doing business with me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFPB complaint XXXX and the complaint was improperly responded to. The outcome simply states they will re-investigate. TRANSUNION 's lack of proper investigation is the reason for this dispute. 

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX- Collection Account- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a medical debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. TransUnion claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and TransUnion is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if TransUnion does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of TransUnion 's use of automated software ( XXXX ), which has incorrectly tied me to this debt or item on my credit report. 

PLEASE EXPLAIN HOW A RENTAL COMPANY CAN LIST DEBT AS MEDICAL DEBT ON MY CREDIT REPORT AND SUPPOSEDLY VALIDATE THIS. THIS IS IMPOSSIBLE. 

I am aware of civil and legal remedies. If this dispute is not rectified immediately, I will file a complaint with the XXXX and hire a lawyer.
Product: Credit card or prepaid card

My total Care Credit loan was for XXXX My promotional period was no interest for 18 months I paid more than than my monthly due to pay the loan off well my remaining balance was XXXX I recieve a bill for XXXX they charged me 26.99 % for the entire loan amount not the remaining balance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my credit reporting. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against
the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by [ Credit Bureau Name ]. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX  XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Accounts : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX - XXXX Inquiries : 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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/XXXX