23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I notified Hyuandi on XX/XX/XXXX that the owner of the Co-owner of the vehicle was deceased as of XX/XX/XXXX. I never got a response back or an email. I woke up yesterday XX/XX/XXXX I notice that the car has been taken. I also noticed that someone trespassed on my property and cut my lock and damaged my property as well in my back yard where the car was parked. Issue number one Hyuandi sold us the car under false pretense. The car needed new brakes, suspension, tires, steering column, and the front left head light not working. Again they never mentioned it, upon taking the car back they would not accept it and tried to so call fix the issue. The issue was never fixed by them, so I fixed it. Second issue is the car is in my name as a Co-Owner not owner. Which can be proved by DC DMV and our own records. My grandmother XXXX XXXX is the original owner and now deceased. I spoke with a woman named XXXX at Hyuandi Finance who was very rude. As I explained to XXXX I just wanted my personal property ad to talk to someone about the agent of the tow truck damaging my gate, lock and Etc. I eve explained that my grandmother could not make payments due to XXXX  and because she had XXXX XXXX XXXX XXXXXXXX ad to be honest was XXXX but who cares? Not Hyuandi. She was very rude and threatened me about my credit and saying that the issue would stay on my credit and it was nothing I could do about it. My other issue is that Hyuandi took {$500.00} from me on XX/XX/XXXX knowing they had already closed my account out. They also said they would work with me and the owed balance they never They were never suppossed to take that money without notifying me that car was in collections. They sent no notice or anything. I only found out after checking my credit, they eve listed the payments fraudulently ad wrong. Like last year they have it that I made two payments but the account has been closed for 3 years. Hyuandi has been the worst experience that I have ever had. AS I said before the car is not in my name as the owner only the co-signer the owner is deceased and I have the death certificate and probate paperwork and court documents and DC DMV paperwork to prove it as well. So to threaten someone telling them so what it doesn't matter and you will pay for the deceased debt is so disrespectful and rude. So now I have damaged property, deceased Grandmothers debt, and have been threatened by hyuandi finance staff. What a day and life to live in. How has an account been closed since XXXX but Hyuandi charged off in XXXX and Repossed in XXXX. So Hyuandi is committing fraud by charging it off which they were paid for that came back to repo it? That is double dipping and fraud. Again this makes no sense. I'm not looking for the car back. I want my fence and gate replaced from the damaged they caused ad I want my credit fixed due to the descrepences and inaccuracies and fraud. Again I have all the proof for everything listed. This is the worst car company ever. OH did I mention that XXXX Hyuadi XXXX has been stolen, body will insure it due to the Kia Boys and this car has multiple recalls? Ok
Product: Debt collection

I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me, please have them removed from my credit report : 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
Product: Debt collection

I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.
Product: Credit reporting or other personal consumer reports

XXXX reinsert an old debt as new from a collection agency that reported the debt as new. The debt that was removed from my credit report 3 years due to not being mine and past the stature of limitation. There was no validation of the debt that a new collector Harris and Harris is reporting as new .Section 605 ( a ) ( 4 ) of the FCRA says charge offs and collections can not be reported any longer than 7 years, and section 605 ( c ) ( 1 ) says the clock usually starts ticking 180 days after the date of first delinquency.
Product: Credit reporting or other personal consumer reports

I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a XXXX document signed in WET INK by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear XXXX violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/XXXX and noticed that my score had dropped XXXX points. When /checking to see why it showed that the company JPMCB- JP Morgan Chase Bank Card service updated my payment history. I called this company to ask why this happened 2 different times employees from the company on XX/XX/XXXX once at XXXX and the other at XXXX p.m hung up on me after collecting my social security number. Finally the third time and after speaking with multiple individuals I reached a man who told me that the information that was reported is correct and they have not reported anything to the credit bureaus since XXXX of XXXX. He told me to go to XXXX  and get a true score that my score from XXXX XXXX was wrong. I did what he said and my score on XXXX did in fact match XXXX XXXXs score also the dates of the payment history that was changed which were XXXX of XXXX, XX/XX/XXXX, and so on until XXXX of XXXX. Those dates matched what was on my XXXX The Man told me that they did not report anything since XXXX of XXXX however on XXXX it shows that they reported XXXX XXXX and XXXX XXXX  shows that they reported because if not it would not have updated. This has caused a made a negative impact on my credit score. I tried to explain that to the company that the account has been closed so I don't understand why this should have happened.
Product: Mortgage

DITECH Financial, LLC states have an open mortgage account with them and I am delinquent $ XXXX+. I do n't have a mortgage account with them at all. I did and was never delinquent when my house was sold XX/XX/2014. I have not been able to even purchase a home and do not own any property now. As a result it has adversely affected my credit and kept me from obtaining future credit despite the information being incorrect. I am trying to dispute this as I was just made aware of it when I tried to obtain credit, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?
Product: Payday loan, title loan, personal loan, or advance loan

I ordered electronic equipment from XXXX XXXX using Affirm as the payment method on XX/XX/year>. By XX/XX/year> I had still not received any shipping info from XXXX XXXX and contacted the seller for info. The seller said it would be generated by the end of the week, but that did not happen. I wrote the seller back on XX/XX/year> asking to cancel the order and I never heard back. I went to Affirm at that point and provided all the email correspondence. Affirm took many days to process my claim and denied the refund citing a lack of evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are not mine, please delete immediately.
Product: Debt collection

On XX/XX/2019, PennyMac Corp, was served with a copy to our qualified written request under RESPA. Pursuant to the Section 6 of the Real Estate Settlement Act, a servicer must acknowledge receipt to the request within 5 business days. As of today XX/XX/2019, PennyMac Corp has yet to acknowledge our request and therefore are in violation of RESPA. We are requesting the following questions under the Real Estate Settlement Procedures Act 1. Is XXXX XXXX an employee of PennyMac Corp? If yes, when did her employment started and ended? 
2. Is XXXX XXXX a representative of XXXX XXXX? 
3. Is XXXX  XXXX authorize by XXXX XXXX to endorsed notes on behalf Penny Mac Corp? 
4. Is XXXX employed by PennyMac Corp or XXXX? Does she have power of attorney or corporate resolution reflecting her capacity as an endorser for either PennyMac Or XXXX XXXX?
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the XXXX and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/XXXX I received a message on XXXX stating what's wrong with my cash app with profanity I was stunned to realize what is actually happening here since I have not been able to use my cash app account for going on a full month how on Earth has cash up allowed other individuals to access cash app through my name and I am the account owner and I do not even have access or am able to use cash app this is complete negligence on cash apps doing cash up close my account a month ago I reached out a month ago to cash up stating that I am not able to get inside two of my business cash app accounts which cash app ignored my concerns and just closed my personal cash app account that is when I had no access to no cash app account. Below I have attached messages from a hacker that actually reached out to me cussing me out calling me a XXXX calling me XXXX all because of cash apps negligence
Product: Debt collection

1. Select Portfolio Servicing , Inc. has fraudulently applied charges to my account and have refused to provide me with a payoff amount. I have been requesting a payoff and now Im being told that they will have to apply an additional attorney fees to my account before providing me with a payoff amount.

2. Select Portfolio Servicing, Inc has purposely concealed important documents relevant to my account and has not provided the information within a timely fashion. 3. Select Portfo
lio Servicing Inc, was in receipt of an XXXX money order in the amount of {$820.00} dollars which was never applied to my account. 

4. I am requesting a full account history for all transactions to my account from XX/XX/XXXX- XX/XX/XXXX or most current statement. Any and all correspondence and notices pertaining to this account. 

5. I am requesting a payoff amount my account. I do not authorize or give permission for anyone to delay this process. I am urgently requesting this information so that I can review it and expedite the correction process.
Product: Student loan

I received a delinquency notice FOR THE THIRD TIME IN THE MATTER OF ONE MONTH on a student loan account THAT DOES NOT EXIST WITH XXXX XXXX. This is HARASSMENT. They are providing inaccurate information. i have called them to STOP HARASSING ME AND THEY HAVE NOT HONORED MY COMPLAINT. I AM ON AUTO-PAY FOR EVERY SINGLE ONE OF MY STUDENT LOANS AND AM NOT DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft so i watch my credit report a lot. I notice an account on there from a company name ( OneMain # XXXX ) on my XXXX  credit report. I contacted XXXX  in XXXX and they told me to contact Onemain because they are saying the account is mine. I wrote OneMain on XXXX XXXX, 2020 asking for a copy of the contract with my signature on the contract. I'm knowing they wouldn't have it because its not mine i just wanted a paper trail. XXXX Onemain respond with a copy contract with another company letter head also without my signature. I wrote them again on XX/XX/2020 asking again for a copy of the contract with my signature this time on XXXX XXXX Onemain just sent me a letter without a copy of the contract. On, XXXX XXXX I went to the police station and updated my identity theft police report by adding the company OneMain to it because this is a Fraud account that someone put in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted the forbearance application on XX/XX/2020 because I became unemployed for a period of time due to COVID 19. We received a package back from Sun Trust with documents to sign and return. We did not return the documents because we were under the impression that if we signed the documents, our loan would be placed in forbearance and we had decided that it would not be necessary for us to place our loan in forbearance. 
We attempted to call the loss mitigation department of SunTrust Mortgage several times between XX/XX/2020 XX/XX/2020. We were sent a letter that had the name and contact information for our home preservation specialist within SunTrust. I was placed on hold for up to 8 hours a day, several days in a row and when I finally got through to the client representatives voicemail, it was full and my call was disconnected. 
We emailed XXXX XXXX on XX/XX/2020, stating that we had attempted to contact him via telephone numerous times but had not been able to get through. We stated in this email that we did not want to be in the forbearance program. We also stated that we had mailed in our payment for XXXX but it still not yet been processed. Our online access to pay our mortgage was no longer available and we were directed to call the loss mitigation department. 
We spoke with a lady in XXXX that stated our online access would be restored in 2 days and that every single loan that SunTrust had was placed in forbearance. We were assured that no late charges or penalties would apply to our loan during this time. 
We spoke with another customer service representative on XX/XX/XXXX and were once again reassured there were no late fees or penalties and that we were still in forbearance. We made the XXXX and XXXX loan payments via phone at this time. We again stated we would like to be out of forbearance and were told it could take weeks and someone would contact us. 
We then started the refinance process and were informed that SunTrust had reported a delinquent payment to the credit bureau and my credit score decreased 100+ points. I am currently not eligible to refinance and take advantage of the current rates because of the misinformation and lack of communication on behalf of SunTrust. We were told by XXXX XXXX with Sun Trust on XX/XX/XXXX that they had to pull in people from other departments to handle the volume of calls they were receiving and that their employees could have given us wrong information. 
We contacted Sun Trusts credit department and they have told us it will be 30 days to investigate the issue. We are requesting the delinquent report be absolved and the credit score to be restored so that we may move forward with the refinancing of our home.