23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I attempted to call Hyundai Finance regarding this issue but one of their reps hung up on me. I also sent a letter to XXXX XXXX Hyundai who called me and stated that it was Hyundai Finance who placed a late payment on my credit report for the XXXX XXXX AFTER I traded it in for a newer vehicle. This was either done by Hyundai as a blatant fraudulent rip off or some type of serious mistake since the dealer had the payoff quote directly from the Hyundai website and made the alleged payment! This fraudulent late entry onto my credit report was done without my knowledge. ( See Ex. 1 & Ex 2 ) I have never been late with my car payments to Hyundai Finance on my XXXX XXXX or any of the other two Hyundai vehicles that I owned. ( Ex 1 last page & Ex 3 ) I made my XX/XX/XXXX car payment on time. ( See Ex 4 ) Which means that I was NOT late with my car payment. 

On XX/XX/XXXX, I went to College Park Hyundai ( CPH ) to trade in my XXXX XXXX because it needed too much work and gave to the salesperson a {$3000.00} down payment. XXXX was supposed to pay off the XXXX XXXX at that point. ( XXXX XXXX XXXX ) On my new car, the monthly payment was due on XX/XX/XXXX. XXXX which I made. ( See XXXX ) On XX/XX/XXXX, Hyundai Finance placed a late payment on my account for the XXXX payment on the XXXX XXXX XXXX which should have been paid off by CPH! After speaking to the representative at CPH, I was told that they made the additional payment. Yet, even after that was done, a negative late payment was placed on my credit report! 

The XXXX. XXXX date refers to the XXXX XXXX. They even added the date closed on the account as XX/XX/XXXX and placed the late payment on report in XXXX, XXXX! 

Hyundai Finance has placed a fraudulent or mistaken late payment on my credit report and I expect it to be removed from my credit report within the next XXXX weeks or I will file a complaint with the court through my attorney for Defamation, Violation of Fair Credit Reporting Act and the Consumer Financial Protection Bureau. I HAVE HAD FOUR HYUNDAIS AND HAVE NEVER BEEN LATE WITH MY CAR PAYMENTS AND I WILL NOT SUFFER A CREDIT PROBLEM BECAUSE OF HYUNDAIS NEGLIGENCE!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices which violate the Consumer financial protection act ( CFPA ). Specifically cash app failed to take time late and effective to prevent an address fraud on their platform leaving my account XXXX unprotected which I do not appreciate. The dispute and resolution process unfair deceptive as well as random charges that they would never dispute. They do not comply with the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused a significant loss of funds and time and inconvenience. I wish to see proper compensation for the inconvenience and loss of money.
Product: Credit reporting or other personal consumer reports

they didnt not investigate 30 day less tgen 48 hours its error an verified it
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I contacted XXXX at Great Lakes regarding a payment that was taken out of my bank account the previous day. I advised that my forbearance does not expire until XX/XX/XXXX and they were not authorized to take the money out.They advised that they will investigate and call me back within 24-48 hours. On XX/XX/XXXX, I called them back after waiting the 48 hours I was quoted. The person on the phone advised me to wait longer and did not give a time frame. I have emails from Great Lakes stating that my loan is in forbearance, there are also messages on my Great Lakes account stating this.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both TransUnion and XXXX are enabling in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I " had '' a credit score of XXXX NEVER missed a payment. I made a purchase at Old Navy in the amount of {$33.00} ( I have XXXX  XXXX  XXXX  in  bills ). I came home and ON TIME applied the payment. It was applied to GAP, not Old Navy. Synchrony bank with no notification sends my " late '' payment to the credit company 's reducing my score by XXXX points. It impacted me so quickly that I was unable to refinance my car and my house to take advantage of some very low interest rates. I called Synchrony in XX/XX/XXXX to have Synchrony rectify. They sent me two affidavits both firm GAP and Old Navy acknowledging the error and that it has been fixed. All three credit reporting agencies are STILL indicating delinquency. I spoke with Synchrony again today on XX/XX/XXXX. They indicate they are sending another letter to all 3 credit reporting agencies explaining the error and that it should be removed completely from all 3 reports.
Product: Mortgage

XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

RE : XXXX XXXX XXXX 
Property Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX Loan Number XXXX. 
CFPB XXXX XXXX 
. 
Dear Rushmore Loan Management Services.. 

I am writing this complaint in reference to my original complaint # XXXX, filed against Rushmore Loan Management Services ( RLMS ) on XX/XX/XXXX, RLMS replied on XX/XX/XXXX, with a 116-page report. However, they failed to address my questions and concerns written in my original complaint. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection bureau ( CFPB ) against XXXX concerning the way my loan was managed after it was transferred to their organization on XX/XX/XXXX. 

After reviewing the 116-page report that XXXX provided in their letter XX/XX/XXXX, they provided history on my account dating back to XX/XX/XXXX. However, in their letter they claimed that I provided a written application with financial information for a loan Modification and a Trial Pan that I never requested. Since XXXX insist on saying and writing this bogus claim, I am requesting written proof of the allegation dated XX/XX/XXXX. 
.. 
Also, this complaint includes copies of letters either faxed or mailed to XXXX, and in their letter XX/XX/XXXX, they never addressed their failure for not following the XXXX  guidelines. They simply ignored my letters dated XX/XX/XXXX and XX/XX/XXXX, by talking about my two letters dated XX/XX/XXXX, and XX/XX/XXXX, to stay in compliance with XXXX. Please review a copy of the XXXX letter dated, XX/XX/XXXX..
Product: Checking or savings account

I received a new bank card in the mail because my original card was about to expire. On XX/XX/2020 I notice an unauthorized transaction I reported to Chase Bank, they stated they only go back for 60 days. I canceled that card and requested a new bank card also, request for my credit report for all 3 Credit Bureau
Product: Checking or savings account

Around XXXX dollars was fraudulently charged to my revolut account. Via XXXX XXXX  I never was in a XXXX  and never visited a XXXX  store on the day in question this can be verified through my phone data and history. However as I communicated my phone was not stolen. Revolut is claiming non responsibility for the charges
Product: Credit reporting

There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX - Date of inquiry XX/XX/XXXX, XX/XX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XX/XX/XXXX6. XXXX XXXX - Date of inquiry XX/XX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from XXXX  and TransUnion without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PSA ACE XXXX XXXX Home Equity Loan Trust, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX XXXX XXXX to validate the Debt, in connection of the Proof of Claim filed on regard XXXX XXXX Home Loans XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Trust, ACE XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all XXXX, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



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

They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on It ) you have on file of the accounts listed. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my XXXX, XXXX and Transunion credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove account which is not belong to me. I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2013 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Money transfer, virtual currency, or money service

On saturday XX/XX/XXXX, i received XXXX from a family memwber to help me buy foodstuffs for my baby, and in few hours, venmo suspended my account dor no reason, they aasked me to submit id and ill be able to use my balance and i did, XXXX later they respond saying that they have terminated my account and wont be able to withdraw for XXXX, i dont have a job right now ajdnky little ones fate depended on that amount, this is sad
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the issue of the late opening of my account with [ Company Name ]. Despite multiple communications and efforts on my part to rectify this matter, it remains unresolved, causing significant inconvenience and dissatisfaction. 

As a loyal customer, I expected a higher level of service and efficiency from your organization. However, the prolonged delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to conduct my financial affairs smoothly. 

I have made several attempts to resolve this issue by contacting your customer service department, providing the necessary documentation, and following up diligently. Regrettably, these efforts have not yielded a satisfactory resolution, and the issue persists. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the late opening of my account. Timely resolution is essential to restoring my confidence in your company and ensuring a positive customer experience. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Please understand that further delay or negligence in addressing this complaint will compel me to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Product: Money transfer, virtual currency, or money service

Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX XXXXk. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX ( see XXXX XXXX way ) Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me . It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( XXXX!! ) need to pay from this money for my moms needs as soon as possible. Please, Do not hesitate to contact me if it necessary.
Product: Student loan

I recently got a divorce I have XXXX kids single mom I have a big rent payment plus bills Im currently ok XXXX due to a a XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Checking or savings account

On XX/XX/2020 I opened two business accounts. When opening these accounts ; I was asked if I wanted over draft protection. I chose to opt-out of this practice as it normally includes fees. 
However since XX/XX/XXXXXXXX XXXX XXXX I have been charged {$1500.00} on one account and {$1800.00} on another account. For a total of {$3400.00}. 
According to the bank when my deposits are in pending ; they allow my debit card to approve transactions. However, the funds are not technically available so I am charged a fee. 
This does not seem fair to me and was not explained when opening these accounts. As I made it clear when opening that we did not want to incur any overdraft fees and to opt us out of anything with overdraft protection. 
I do a lot of online payments with XXXX, XXXX and XXXX. So when these funds are transferred to my accounts they are available. However, they are not in my current balance ; just my available balance. 
If a fee will incur when I am using my funds ; my card should decline. Especially since I opted out of any overdraft protection.