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

My XXXX year old daughter opened an account ( cable, internet and  home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from Waypoint Resources Group LLC  # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XXXX  and XXXX. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a manager called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with XXXX  and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. XXXX could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, XXXX  would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like XXXX isnt verifying evidence but has an interest in these collection agencies.
Product: Checking or savings account

I opened a checking account in XXXX, XXXX using a promotional code that XXXX XXXX XXXX  emailed me ( XXXX ). The promotional email ( saved and available in my email ) offered a {$300.00} cash bonus after meeting the following terms and conditions : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX ... Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. If you meet all of the requirements and your eligible personal checking account remains open and active, we will deposit the earned bonus into your new personal checking account no later than XX/XX/XXXX. '' I completed all required tasks by XX/XX/XXXX. The email stated that the bonus would be paid by XX/XX/XXXX, which has long passed. I called the company at the end of XXXX and was met with a customer service agent who promised that the bonus would be paid in XXXX. That passed and I still received nothing, so I called the bank again. This time, I requested a manager and again was met with poor attitude and a general unwillingness to solve the problem. After a lengthy wait on the phone, the manager tried claiming that my {$300.00} bonus would not be paid to me in XXXX because of the clause in the terms : " Limit of one new consumer checking-account-related bonus per household per calendar year. '' I tried to be kind and calmly explain that she was in error, and encouraged her to evaluate the dates in question. My husband opened a XXXX XXXX checking account in XXXX of XXXX, met the terms of his bonus by XX/XX/XXXX, and was paid his bonus in XX/XX/XXXX. Clearly, that doesn't violate the terms, since I opened my account in the exact same sequential timing one year later. It appears obvious that the real issue is poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Payday loan, title loan, or personal loan

I applied for a Discover loan. I have excellent credit ( XXXX ), but because I needed a slightly extended loan term, I accepted their loan offer of 12.99 %. 
My expectation was to pay the loan off earlier with extra payments toward the principal. My beginning balance was more than I borrowed, but my loan didnt have any fees. Customer service said that it was interest that accrued before ever receiving my first statement. My credit report showed that I had a larger balance than my loan amount. 
I continued to make regular payments that were larger than my minimum payment and noticed that my balance didnt reflect the extra payments toward the principal. I was sure to select the option that directed the additional funds to be applied to the principal balance. 
I used an amortization calculator to double check my math before contacting customer service again. The representative that received my call first tried to make me believe that there was no problem, but after walking through my calculation with her, she admitted to having brought up the misleading practice to management before. She said the only way around losing so much of my extra payment was to pay the extra via a separate transaction. 
For my XX/XX/2021 payment, I tried her suggestion, and it didnt work. I made my minimum payment before its due date, and allowed it to process, then made the extra payment on the due date. I realized that I lost about 22 % of the money I allocated toward the principal balance. 
This practice is predatory and misleading, and my payoff amount is always more than my principal. Ive never been late or missed a payment. 
I could really use your help. 

Thanks
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity and used my information to get an rental unit in a state that I have NEVER LIVED IN. The company has tried to contact me about the debt and I have NEVER confirmed my identity and told them muiltiple times that the was NOT my acct and have never lived there. They have since attached this to my credit report with as a COLLECTIONS in which has bought down my credit score and they even started garnishing my wages and I have NEVER even received court papers for a hearing so that I could possibly clear my name from the debt in the court of law. The creditors information is : XXXX  ; {$6500.00} ; Date opened : XX/XX/year>.
Product: Mortgage

We have FHA loan and our PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. We have over 20 % equity in our house and M & T Bank is our servicer. We have requested to drop PMI but M & T doesn't agree and states states it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have some equity build up.. Now we are questioning if we can sustain it for a long period.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I've always ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Consumer Loan

This creditor ABC Financial Services , Inc., are charging late and service fees and did not disclose the same on the contract.
Product: Debt collection

I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.
Product: Credit card

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX  Transunion, and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XXXX XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
Product: Vehicle loan or lease

I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Timely Payment Made XXXX XXXX Account Number : XXXX Please remove late payments and update account XXXX. Validate Account XXXX XXXX XXXX  Account Number XX/XX/XXXXPlease investigate and delete from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Timely Payment Made XX/XX/XXXX Account Number : XXXX Please remove late payments and update account XXXX. Timely Payment Made XXXX XXXX XXXX XX/XX/XXXXAccount Number : XXXX Please remove late payments and update account 9. Validate Account XXXXXX/XX/XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. The following is an invalid late payment XX/XX/XXXX NA Account Number : XXXX Please remove late payments and update account 11. Validate Account XX/XX/XXXX Account Number XX/XX/XXXXXX/XX/XXXXPlease investigate and delete from my credit report. 

12. Validate Account XX/XX/XXXXAccount Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

15. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Should the creditor fail to provide verification, please promptly remove the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Kindly provide an updated copy of my credit report to the aforementioned address, as the act mandates that no fee should be charged for this service. Additionally, I request that you notify any entities who have received my credit report in the past six months of the corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Vehicle loan or lease

Hyundai Motor Finance XXXX has failed to provide me with the title to my vehicle after I exercised the purchase option under the lease. 

1. I exercised the lease buyout option in late XXXX, 2021, sending Hyundai the full amount of the buyout. I also mailed them the odometer statement at the same time. 

2. Hyundai acknowledged receipt of my payment and credited my account on XX/XX/2021. 

3. On XX/XX/2021 I called to inquire about the status of my title. Hyundai said they had not received the odometer statement, so I faxed it to them at the number they provided. 

4. On XX/XX/2021, I called to see if they had received the fax. Hyundai said they had not, so I faxed it again to the number they provided. They told me that the title department was " backed up. '' 5. On XX/XX/2021, I again called to inquire about the status of my title. Hyundai again told me they were waiting on the odometer statement. They suggested emailing it, which I did. 

6. Later on XX/XX/2021, I received an email back from the email address I had been given indicating that it was not the correct email address, but that they would forward it to the correct department. When I explained that this was the email address I was given, the reply I received said " I understand and apologize, the change is recent and was made so the lease buyout team can receive emails from external sources. The volume in the titles inbox was beginning to become unmanageable with items we have to forward to internal teams. Customer service is still adjusting to the change. Thank you for your understanding and patience. '' 7. I have followed up with calls every few days since. Hyundai still has not indicated that they have received or processed the odometer statement. 

8. Since I exercised my buyout right, I have moved out of the state where this vehicle was originally registered. I am unable to register or title the vehicle, as I am required to do by law, in my new state of residence without the title. 

9. Hyundai refuses to provide any assistance on this matter. On my calls to customer service they literally tell me " there is nothing we can do. '' I have sent the odometer statement to them four times, three different ways ( and verified receipt ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

EXPERIAN CONTINUES TO REPORT INQUIRIES THAT HAVE A REMOVAL DATE OF XX/XX/XXXX. I HAVE ASKED EXPERIAN ON MULTIPLE OCCASIONS TO REMOVE THESE EXPIRED INQUIRIES : XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX  XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX. THE EXPERIAN APP AND MY CONSUMER REPORT HAVE FAILED TO UPDATE EVEN WITH ME CALLING. I RENEWED MY MEMBERSHIP AND THESE INQUIRIES HAVE NOT BEEN REMOVED. THEIR SYSTEM IS FAULTY AND I WANT THESE REMOVED NOW.