23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where Hyundai makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a Hyundai representative that my credit report would be cleared once paid. However Hyundai did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because Hyundai falsely confirmed everything to be accurate. Please see attached order from the CFPB that required Hyundai to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like Hyundai is still up to their unethical tactics and haven't learned from the $ XXXX order.
Product: Debt collection

Over the last XXXX months, I have made XXXX payments of {$50.00} on a debt being collected by Southwest Law Office, and have not been able to be sent a letter in the regular mail or email confirming my payments and notifying me of my updated balance. This does not seem professional or legalally sound to assist a person who is honestly trying to eliminate a debt. They did not, and still have not, notified me that I could dispute the debt.
Product: Credit card or prepaid card

A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the application.
Product: Credit card

American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX that I did not authorize see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit score I already paid all my dues they are not cleared my credit score .. showing low my credit report number XXXX
Product: Checking or savings account

I am reaching out for your assistance because I am never able to get any help by telephone or within the branches. Recently my account was overdrawn just under {$5.00} and I deposited money to bring to correct the matter. Days later my account was over-drafted for transactions that should have already been deducted from my available amount within my checking account. Because of this my account is now over {$150.00} overdrawn including numerous fees. I have contacted customer service who refused to assist with waiving some of the fees if I was able to deposited money. They directed me to a payment assistance group who also refused to help. They informed me that I will receive additional overdraft fees this Friday as well. This is not the norm for my account to be overdrawn and when I do contact your company for help I am always met with refusal. I chose your bank because I felt you were different then other banks out there but you are actually worse because those other banks actually do attempt to work with or help their customer to show they do value them. This is not the only incident with your company. Back in XX/XX/XXXX of this year my tax returns were deposited and I went to the branch located within XXXX on XXXX XXXX XXXX and XXXX XXXX in XXXX, Oregon to withdrawal {$3000.00}. When these funds were attempted to be deposited at XXXX XXXX XXXX within my wife 's account she was told one of the {$100.00} bills was counterfeit. XXXX XXXX XXXX stated they could not give it back to her and they had to report it. When I contacted that branch about the matter they refused to help saying " Their bankers are trained to catch counterfeit bills. '' The banker that assisted me with the withdrawal was new because her manager had to sign off on the transaction. The manager did not check the cash and the banker did not mark them or check to confirm there were no counterfeit bills. Just because someone is trained to something does not mean you are going to be accurate all the time. We are humans and we make mistakes. I did not make a complaint at that time because I was already met with refusal of help and I had received that same reaction before. If you need to reach out to XXXX XXXX XXXX to confirm this you can contact XXXX XXXX at XXXX or XXXX. My wife 's name is XXXX XXXX and the attempted deposit was made on X/XX/17.
Product: Credit card

I was charged multiple fees for a payment that was never returned. 

I attempted to pay CitiBank early in the amount of {$100.00}. 

When I checked my account, they processed my payment for {$100.00}, but then charged me {$100.00} for a returned check and also a {$30.00} late fee. 

Also, I was charged interest in the amount of XXXX for transactions that have since been removed from my account so this needs to be rolled back as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from ARS ACCOUNT RESOLUTION XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Mortgage

Mortgage company Ditech financial recently went bankrupt and sold my mortgage to a new company but for some reason the new company is saying that I was missing payments for like 6 months I have never missed a payment except for XX/XX/2019 when ditech lied to me and offered a forbearance and then later change there story but I made up that payment in XX/XX/2019 I please help don't want to lose my house or do a loss of mitigation.I contacted the pay station where I pay my bill electronically and they sent me a receipt of some of the payments I made the rest are made by money order I don't need a Loss of mitigation and I'm terrified my house will be forclosed on
Product: Credit reporting or other personal consumer reports

XXXX take off the missed payments and negative utilization for any charge off accounts and XXXX credit card missed payments. I never missed any payments and XXXX uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
TransUnion, as of today XX/XX/2023 you have 3 days XXXX to take these no. Account holding inquiries off of my credit account credit report and on the XXXX charge off accounts under XXXX XXXX XXXX my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
XXXX, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unit XXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of XXXX party theft of my private and public information! XXXX filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act best known as ( FERPA ) protects the confidential of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Money transfer, virtual currency, or money service

XX/XX/year> $ XXXX total of {$600.00} debited from my checking account through ZELLE with unknown person took off unauthorized money transfer. Already ask XXXX XXXX Bank to refund it but they denied because of ZELLE didn't accept it
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX account # XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
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 : OAG XXXX XXXX : Date Opened : XX/XX/year> Account Name : OAG XXXX XXXX : Date Opened : XX/XX/year> Account Name : XXXX  : Date Opened : XX/XX/year> Account Name : XXXX XXXX XXXX  : Date Opened : XX/XX/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Today ( XX/XX/year> ), I received a very suspicious call from someone trying to pass themselves off as a fraud alert specialist from Bank of America ( BOFA ). They said that there were various suspicious charges made on my BOFA card from out-of-state + they suspected that my SSN had been compromised. They transferred me to someone who said they were an attorney with the CFPB + started asking me to verify all of my credit card info. They said that 4 of my 6 credit cards had been compromised + that they were going to need to shut down all of them and that I could not use any of these cards for 12 months. Then they tried to get my SSN number + started a long diatribe about how in the US, the credit card companies are charging exorbitant APRs + that I qualified for some type of debt relief. This is all seemed highly suspicious, so I kept the supposed CFPB official on hold, while I called BOFA to confirm whether or not there truly were fraudulent charges on my card + like I suspected, there were not. Then I called the CFPB directly to confirm if the complaint report # that was given to me by BOFA was valid + it wasn't. I proceeded to tell this " agent '' what had transpired + ended the call. The numbers that were used in this phishing expedition were : XXXX XXXX This was all obviously some type of identify theft scheme run out of a XXXX XXXX call center ( they all had XXXX accents ) + disguised as Bank of America + CFPB employees.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can '? be provided l demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, several unauthorized accounts and inquiries have been placed on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below be blocked and deleted from my credit file. 
The following account has been fraudulently opened in my name : ACCOUNTS : XXXX CARD - XXXX - XX/XX/XXXX - {$4600.00} INQUIRIES : 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/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21, Coinbase.com temporarily suspended my account due to concerns of hacking activity. They promised to get back with 4-5 business days which is now past without any communication. Ive emailed them countless times, filled out customer service notes, tried to get their attention on XXXX, XXXX, nothing. They dont even acknowledge my messages. This is my ticket number # XXXX.
Product: Debt collection

Neuheisel law firm contacted my phone number and my wife 's cell phone looking for her brother. They stated he listed the numbers as contact information. They lied, he does not know our home phone number. This company is skip tracing relatives to get to him. When told not to contact us, they called my wife 's number. 

This company is engaging in illegal communication tactics. They get rude when you tell them to lose my number. Lastly the home number they contacted is in Texas the person they are looking for is in Arizona.
Product: Credit reporting or other personal consumer reports

This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations ; Not mine, Names and addresses : 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 XXXXXXXX Not mine ; Hard inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wrong date of birth on my credit report at least on one of my mayor credit bureau history. Old employment history on All mayor credit history information history missing. Employment history.