23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX/XXXX/XXXX, my husband and I went to XXXX Hyundai located at XXXX XXXX XXXX XXXX in XXXX Florida for a service appointment for my husband 's XXXX XXXX. The appointment was at XXXX XXXX and as soon we arrived we were approach by the Financial Manager, XXXX XXXX. He told my husband that he can get a XXXX XXXX XXXX and that he will deal with the upside down. I told XXXX XXXX and my husband that the XXXX had only XXXX miles and that we should keep it. However, XXXX XXXX continue with his effort to make a sale. He asked me to cosign for my husband to upgrade his car and I replied that I was in the process of buying a home and I can not be a cosigner. By XXXX I told them that I had to leave and that I would like to get the XXXX back because I needed to go to work. I spoke with the General Manager, XXXX XXXX, about the car that we took for services and he directed me to the Service Manager. I was informed that they did not touch the car. I strongly feel the Financial Manager manipulated the entire situation and advised the service department not to touch our car as he was pushing for us to purchase a new vehicle instead. At this point my husband agreed to purchase the XXXX XXXX XXXX, but this would require me to cosign for him. I asked several times why my husband could n't be the sole purchaser for the XXXX XXXX when he was able to purchase the XXXX only in his name and was not given a clear explanation. They said it was required but would n't interfere with my home purchase plans as I would only be a cosigner and my husband 's name would be listed as the primary buyer. Under those terms, I finally agreed. Upon meeting with my mortgage broker the following week, I was informed that the loan showed up as my responsibility on my credit, greatly increasing my debt to income ratio and no longer qualifying me to purchase the home. I was in complete shock after hearing this news, I am listed as the primary buyer and not as a cosigner, contrary to what I agreed to at the dealership. I have discussed this situation with Hyundai Financing, with the Dealer directly, with the General Manager and I have intended to discuss the issues with XXXX at the Corporative office. No one has offered me a solution. I have been told that in the state of Florida the wife and husband are considered the same in a financial matter, but I find the dealings of this dealership to be extremely unfair, unethical, and irresponsible. I do n't believe we were treated fairly and strongly believe we were misled for their own benefit. I am asking that Hyundai Financing comply with the contract that I signed and list me strictly as a consigner releasing this debt from my credit or remove my name from the purchase entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a cashiers check from XXXX XXXX XXXX XXXX was sent to USAA via XXXX overnight based on the payoff letter that USAA Provided. That payment was received and processed on XX/XX/XXXX On XX/XX/XXXX USAA debited from my personal checking account an additional {$580.00} resulting in an over payment to my personal loan of over {$600.00}. 

On XX/XX/XXXX I called in to USAA and spoke with a representative. The representative indicated that there was XXXX payments that overpaid the loan and that I should receive XXXX separate refund ach credits back to my XXXX account within days. 

On XX/XX/XXXX I called to check the status of my refunds as USAA is now holding over {$600.00} of my funds, partially of which certified and holds are prohibited under federal regulation CC law. The represenative appologized for the misinformation but because I did not pay off the loan by XX/XX/XXXX the automatic payment count not be stopped. Since it could not be stopped it has to be fully processed which takes XXXX days and then another 3-4 for them to refund the money. XXXX : They are going to hold my money for nearly XXXX days before releasing it back to me. She said the only way to expedite that is if I send them in a bank statement. I told her, I do not feel comfortable with sharing my entire bank statement. That where I spend my money, what other charged I make with my checking account are not any of USAA 's business. That I would be happy to allow them to verify directly with the bank, but that I did not feel comfortable with turning over information unrelated to the USAA transactions. She said then I have to wait the 15 and XXXX days.
Product: Mortgage

I refinanced my mortgage in XXXX, with the first payment scheduled to be due XX/XX/XXXX. The originator for the mortgage was XXXX XXXX XXXX. Immediately after closing, XXXX XXXX transferred servicing of my mortgage to The Money Source ( TMS ). Subsequently, on XX/XX/XXXX, TMS again transferred servicing of my mortgage to XXXX XXXX  XXXX d/b/a XXXX XXXX ( XXXX ). Since the transfer was barely two weeks before the payment due date, I was unable to make contact with XXXX and set up payments in time. Therefore, I sent my initial payment to TMS on XX/XX/XXXX via my bank 's bill pay. Today I received a notice from my bank stating that the payment sent to TMS was refused because TMS closed the account. I believe this refusal to post the payment was in error, since I should be allowed to make payments to the original servicer for 60 days following the transfer of the mortgage. 

I have since then made contact with XXXX and was able to set up payments. However, I still have concerns that my initial payment, due on XX/XX/XXXX, might be received late due to an error committed by TMS.
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint regarding the repeated failure of XXXX XXXX XXXX XXXX to properly investigate and validate disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Despite my numerous disputes and lawful requests for validation and verification, the credit reporting agencies have failed to provide evidence substantiating their claims and continue to report inaccurate and unverified information.

To summarize : 1.Failure to Provide Proper Validation : I requested the following documents to validate the alleged debts : Validation of the debt ( including actual accounting ) ; Verification of the claim against me ( such as a sworn affidavit or a hand-signed invoice compliant with the Bills of Exchange Act, 1882 ) ; A true and certified copy of the original contract or agreement binding both parties ; A certified copy of the original note ( credit agreement ) under penalty of perjury, confirming it has not been sold ; Confirmation of the identity of the authorized representative who performed due diligence under the Money Laundering Regulations 2007. 
These lawful requests were ignored or inadequately addressed. Instead, I received generic responses claiming the information was verified, without any substantive evidence to support these claims. 
2.Violation of 15 U.S.C. 1681i : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when disputes are raised. Merely stating that the information was verified without providing evidence or details of the investigation constitutes a failure to meet this legal standard.

3.Reappearance of Removed Items : Items previously removed from my credit report have inexplicably reappeared, raising serious concerns about the integrity of the investigation process and adherence to proper procedures.

4.Failure to Respond in Good Faith : My repeated attempts to dispute these inaccuracies were met with dismissive responses warning me not to send further disputes. This is both inappropriate and contrary to consumer protection laws under the FCRA. 

Given the severity of these issues, I am requesting immediate action to : 1.Conduct a thorough, independent investigation into the practices of XXXX XXXX XXXX XXXX in handling my disputes ; 2.Ensure compliance with 15 U.S.C. 1681i by requiring the credit reporting agencies to provide documented proof of their investigations and validations ; 3.Remove any and all unverifiable and inaccurate items from my credit reports ; 4.Impose penalties or corrective actions against the credit reporting agencies for non-compliance with FCRA standards.
Product: Credit reporting or other personal consumer reports

I look at my credit report I noticed something thing not accurate according to fair consumer reports agency XXXX XXXX in {$82.00} date XXXX Account number XXXX XXXX XXXXXXXX XXXX {$240.00} date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

They call me multiple times a day and after XXXX on Sundays. I have asked that they not constantly call while I attempt to figure out how I can resolve the issue.
Product: Credit reporting or other personal consumer reports

My track record on this account reflects consistent adherence to timely payments, preventing any instances of overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Product: Vehicle loan or lease

I inquired about an auto loan from lender XXXX. They sent me an offer via email and docu sign documents. I never signed them and XXXX opened the auto loan without my consent. They say they sent XXXX a {$38000.00} check. I never received any funds and Tesla never credited my account with {$38000.00}. I am trying to get ahold of someone from Tesla who I financed through using XXXX XXXX. XXXX never should have opened an account and Tesla should have returned the money. Help!!! Unethical and Fraudulent companies are putting me on the hook for additional {$38000.00}. Please contact me XXXX XXXX at ( XXXX ) XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX0days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Debt collection

Account opened XX/XX/XXXX with XXXX XXXX for a residential address in XXXX, TX. I do not nor have I ever lived it Texas. I am a born and raised New Jersey resident. I was made aware of this account by receiving a collections notice from Online Information Services for {$800.00}. The notice I received was sent to my actual address where I moved in to on XX/XX/XXXX. They require me to submit this and a police report before they even attempt to take action and removing this from my name and declaring it as fraud. I have already disputed this account with XXXX. I will next have to go and file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies trans union, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not open these accounts or authorize these inquiries : I attached the police report, FTC complaint, Id theft affidavit and ID. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I was contacted by this company informing me I had a debt from Fifth Third Bank in the amount of {$920.00}. The collector immediately started threatening to file in court if I did not immediately settle the debt. I do not believe this debt is valid and the company is not allowing any opportunity to dispute the debt. The only information they are willing to provide is an account number they claim is a fifth third account. However upon contacting Fifth Third, on XX/XX/2022 I found this number is not a valid account number with Fifth Third. I also received a letter today again stating that this debt would be filed in court. Upon calling the company I was told they dont have to provide any validation of the debt and if it wasnt paid immediately it would be filed in court. I have attached a copy of the letter received for information. 

I did have an account with Fifth Third many years ago, but if there was any outstanding balance on it, it would have been included and discharged in bankruptcy approximately 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

They took 60 days and did nothing and never contacted us
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I signed up for a credit builder account with SelfLender, now its Self.com. I spent 12 months paying {$89.00} to accrue as a CD. At the end of the CD Maturity, {$1000.00} was given back to me minus {$100.00} that went to a secured credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I signed up for another credit builder, I paid {$48.00} for 12 months again, at the end of the CD Maturity date, Self sent me a letter dated XX/XX/XXXX Certificate of Deposit Maturity Notice This is to inform you that your Certificate of Deposit XXXX will mature on XX/XX/XXXX in the amount of {$530.00}. This Certificate will not renew automatically and interest will not accrue after the maturity date. The amount of the Certificate will be deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX. 

On XX/XX/XXXX I received an email from Self Over the last 12 months you were able to establish payment history with the credit bureaus and save an estimated total of {$530.00}! 

Your estimated payout of {$39.00} will be electronically deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. 

They do not give a valid reason to take {$500.00} of WHAT I paid for every month for 12 months. I paid {$100.00} for a secured credit card and since XX/XX/XXXX, I have increased my secured card limit by making payments on time to my card, they sent me notifications to tell me that. In fact, prior to this email being sent, Self offered me to increase my credit limit because I made payments to my credit builder account on time. 

This letter telling me that I will receive my {$530.00} to my bank account is unlawful. I've reached out to two people via email and I keep getting told that the {$500.00} is to cover the {$600.00}. 

At NO time did they tell me that the credit increases from XX/XX/XXXX to XX/XX/XXXX would have to be covered by the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Applied for care credit and was denied, XXXX XXXX
Product: Debt collection

Disputed with creditor for all validation and verification written information on the debt. i have not received nor have they complied and removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX  XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. XXXX in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I filed a NOTICE OF INTENT TO FILE A PETITION FOR XXXX to the XXXX XXXX XXXX XXXX XXXX today, XX/XX/2022 in XXXX regarding this issue for complete failure of corporate controls and complete absence of trustworthy financial information. The people who committed this unthinkable horror should be held responsible as I am careening toward disaster. The failure to give proper notice has put me through XXXX and put me at the risk of harm, destitution and death. This is a file full of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the process by which financial institutions extend their power and ruin people 's lives. I am a XXXX  woman walking. This complaint raises awareness of tactics abusers use against their victims. All I can think of is rage and XXXX  hot anger.I do not feel safe.