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

I returned my leased XXXX XXXX  XXXX  to XXXX XXXX  at the end of XX/XX/XXXX. The final lease payment had been made on XX/XX/XXXX. My lease stated that I may owe an end of lease amount upon return of the vehicle. I asked three different people at the dealership, including the manager, if I owed any money as I was prepared to pay it that day. They all told me that nothing further was owed. In XX/XX/XXXX, four months after return of the vehicle, I received a bill from Hyundai Financial  in the amount of {$460.00}. I returned the statement with a note to contact XXXX XXXX  as they had told me that I didnt owe anything. I received another bill in XX/XX/XXXX. I again returned it with a note to contact the dealership. In XX/XX/XXXX I was notified by my credit monitoring company that my XXXX credit score had decreased by almost 200 points because of a report of a late payment by Hyundai Finance. I have called Hyundai on multiple occasions and was told to file a written dispute, which I immediately did. The Dispute Resolution Department does not take phone calls. I also filed a dispute with all three credit bureaus. I received a form letter from a Hyundai stating that my inquiry is complete and that if appropriate I would see a change in my credit score, which Has not changed since the 200 point drop. I dont understand how a company can bill me 4 months late and then report an invalid debt to the credit bureaus. I have had perfect credit for my entire life, I have never once had a late or missed payment. One erroneous entry from Hyundai has taken my score from excellent to fair. Noonefrom Hyundai Finance, XXXX XXXX  or the credit bureaus will speak with me. How do I get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to say i have live in the XXXX XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XX/XX/2019. i reach out to transunion/XXXX/XXXX plus XXXX XXXX. 2 creditor have removed and transuion is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to XXXX XXXXt ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was XXXX  outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Product: Credit reporting

Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.
Product: Money transfer, virtual currency, or money service

I sold assets in my investment account at Ally Bank to be wired on XX/XX/XXXX for total of {$220000.00}. It has been a week and funds have not been wired. I explained to them this was time sensitive. I have spoken with representatives at least once daily. They are waiting for a second supervisor to ok the wire, apparently one has already approved it, but we are in limbo and funds are still frozen. I have not heard from any supervisors, despite my requests. A whole week to have funds wired to me! On the same day, I had funds wired from XXXX XXXX. The transaction took less than 10 minutes for a comparable amount. I had to sell assets I hated to sell incurring losses because of Ally 's incompetence.
Product: Mortgage

Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX  XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft therefore I often check my credit reports across the three most popular bureaus XXXX, XXXX and XXXX. On XX/XX/2019 I additionally requested a copy of my credit report from another reporting agency, Chexsystems. When I received the results from Chexsystems it was founded there were 0 accounts delinquent but there had been several attempts to pull my credit accruing several inquiries. I reached out to chexsystems to make them aware that it was fraud attempts on my name and requested to have the inquiries removed. I then submitted a written request to have the inquiries removed. I have yet to see results. The companies reporting inquiries include 3 attempts  from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. These accounts are Unverifiable. Please remove ALL inquiries for they are not mine and consequently are having a negative impact to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to XXXX to investigate XXXX bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all XXXX consumer agencies, XXXX, XXXX, and Experian responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that XXXX, XXXX, and Experian stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my XXXX, XXXX, and Experian consumer reports. I sent XXXX, XXXX, and Experian a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all XXXX consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all XXXX consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.
Product: Debt collection

I have been trying to get validation of debt on this account Since  XXXX   2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all  XXXX  credit reporting agencys still no response. This error is making it difficult for me to be approved for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX Bank '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX Bank or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX XXXX XXXX XXXX - I have disputed this successfully with both XXXX and Experian ; however, for some reason they are still on my Trans Union report . I have no clue why they would bill me for two separate instances two years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX XXXX XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Product: Debt collection

You have no category to cover my specific problem. Lowe 's XXXX  Card expects my payment I said to them I refuse to pay for something that is defective and impossible for me to return. I also cancelled my Lowe 's XXXX  Card. XXXX XXXX admitted that XXXX XXXX sold me a defective product. I have no way of returning the defective product. Both Lowe 's and XXXX XXXX refused to pick up the defective refrigerator and provide me with a refrigerator that is not defective. I am XXXX XXXX XXXX in ill health and can not possibly move the refrigerator and I am unable to transport the refrigerator in my XXXX XXXX XXXX. I was told by XXXX XXXX the defective refrigerator must be returned to Lowe 's here in XXXX Florida at their XXXX XXXX store location to do a refund or exchange is what XXXX XXXX told meXXXX I had made several attempts to negotiate with the management at Lowe 's in person and by phone I spoke with Lowe 's on several ocassions between XXXX and early XXXX. XXXX XXXX 's had phoned me several times and I also spoke with them by phone several timesXXXX Lowe 's insisted that I must return the defective refrigerator for a refund or replacement. They give me no legal recourse.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze and need it temporarily lifted for the mortgage refinancing. Two our of three credit reporting companies did it quickly and with no issues after verifying some personal information with me. With Experian, not only did I have the PIN from 3+ years ago, I also provided all correct information to check my identity, and this is the response - " To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request '' And there is NO WAY to speak to a live representative to ask for help. Zero. The automated phone line responds with the same message. 

ARE YOU KIDDING??? I need the credit unfrozen now. I dont have time to mess around with MAILING them stuff and wait for them to mail it back. My bank or broker will get me whats needed, including a wire, instantly over the phone, while this PRIVATE company who collects all my information and participates in approving or disproving my credit without my consent thinks they can hold back my refinancing?? If they are so incompetent that they can lose customer data again unless they create a huge problem for the people ( who havent even approved this type of data collection! ), maybe they should be banned from participating in reviewing the creditworthiness of the customer? Seriously unbelievable experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to Equifax for my credit score, the report yielded a XXXX credit score. So I signed up for the Equifax XXXX XXXX and that report shows a XXXX Fico Score for Equifax. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by XXXX XXXX XXXX. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It is important to note that there are no prior missed payments on the account. However, the account is reported as 90 days late for XX/XX/2021. I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are no prior missed payments. 

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. 


Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to promptly remove the 90-day late payment. 

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Product: Credit card or prepaid card

I HAVE RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN STOLED AND OPENED FRAUDULENT ACCOUNT WITH WELLS FARGO BANK. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION FOR ANY PURPOSES. I'VE FILED IDENTITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND SUBMITTED THAT DOCUMENT TO CREDIT BUREAUS AND WELLS FARGO BANK. CREDIT REPORTING AGENCIES REMOVED FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. BUT XXXX  REINSERTED FRAUDULENT ACCOUNT BACK TO MY CREDIT.
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. Act Name : XXXX XXXX XXXX XXXX Name : XXXX  XXXX 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 anteaters 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act 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
Product: Bank account or service

US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor.
Product: Credit card or prepaid card

Dear Sirs : I've just submitted an application and I called 4 times to the BBVA Compass Customer Service Department XXXX Application Ref. NumberXXXX and the customer service employees didn't have the tools to manage this type of call. 

The decission says : Potential Fraud Risk Indicators - when a decission like this was made, the call is supposed to be transferred to the Fraud Applications Department and they supposed to have the tools to solve this issue. It wasn't declined because of my credit report, it was declined related to a supposed fraud issue. Why the associate didn't verified my application and gave me a reason without any info from me? This bank have a prejudice against me? 

Whats happening with your Customer Service Reps? They have to be rude to the new customers? Thats the image of BBVA Compass Bank? 

If I have the reason, why you dont have the correct tools to help me?