23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Received paper statement in XXXX for XXXX 's bill, paid XXXX 's bill. Sometime in XXXX Honda Financial switched, without my knowledge at the time to electronic statements. Honda Financial stated the accounts were changed to online, my records showed that I was expecting paper statements as originally agreed upon in my terms and agreements with the lease. I did not receive a change to policy that my statements would be electronic, to this date I am told they are electronic but have no means to access this version of the statement. I have requested to be put back on paper statements in XXXX and my request has not been met to this date. I have contact Honda Financial on several occasions regarding these matters with the statements. 

Due to me not receiving these statements I missed XXXX, XXXX, XXXX, and XXXX payments has caused issues with penalties and a severe impact on my credit score. Honda Financial made one attempt to contact my husband to make a payment, at which they did not state there name, or that they were on a recorded line, and did not provide a means to correct the missed payment. In addition we did not receive any past due notices ; written or electronic. I have since paid all these in full after having my vehicle reposed including fees, finance charges, toeing fees, lot fees, etc. I have attempted to negotiate with Honda Financial since they did not provide a resolution in the matters on the statements, and have not provided options or abilities to correct these errors which has caused penalties exceeded {$1000.00}. I do have copies of the total penalties and fees that have been assessed to this date. I have also been on time with payments since this issue occurred, but have yet to have any corrections done by Honda Financial.

Honda Financial has continually ignored my requests to have paper statements, along with copies of the notices that I was past due in XXXX through XXXX. 

For specifics on dates, dollar amounts, and other information I have retained a physical copy of what has been assessed to date. I will be willing to provide a copy of this information for further details regarding total fees and penalties assessed. I would be able to fax these documents in since I do not have a scanner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXXXXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.
Product: Credit reporting or other personal consumer reports

I was unaware of the name of the company, XXXX, never received any mail stating upcoming due date or payments due. I had no time to choose a monthly plan they offer, or any info at all. I was notified by my credit reporting service that I was 90 days late. 90 days!. I am in the process of downsizing and now can not get a mortgage because of this issue. It isnt accurate. So much on and off about student loans and not having to pay, that we as payers should be clearly notified by the servicing company with a set payment plan and amount. I just recently found out about the company. That should tell you something. And Im not the only one. We can not all be wrong and I am asking to please be brought current as I am now in forbearance until XX/XX/year>. XXXX put us in forbearance after I spoke with them but did not remove our latest. This is ruining our credit. We have put XXXX of our XXXX kids through college already and have our last XXXX to pay and are ready to do so, but we need to downsize to afford it.
Product: Credit reporting or other personal consumer reports

my information is being use on the XXXX XXXX XXXX, it is ruining my reputation and i am being denied credit, anything negative on my report or derogatory defamation of character.
Product: Mortgage

Carrington Mortgage, this company provided me with false information on multiple occasions not allowing me to make mortgage payments and then when they finally did they rejected the payment and sent me a check demanding full payment due and not allowing me to resume making my monthly payments after my forbearance. Claiming that I had to pay the past due amount in full. They began the foreclosure process which forced me to file for bankruptcy causing undue financial hardship for me and ruining my credit.
Product: Debt collection

I sent a letter to MRS BPO LLC on XX/XX/ 2019 ( within my 30 day window ) disputing the validity of the debt ( Acct Number XXXX ). I have yet to receive a response from the company validating the debt that is owed. In my letter that I have attached, I asked them to provide the proper documentation within 30 days and if not that they should remove from all credit reports. Nothing has been done.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Portfolio Recovery accounts opened XX/XX/year> and XX/XX/year> has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 
I was notified all of my personal information was in a data breach with XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I just want to change my address for my Lexington law check,
Product: Checking or savings account

I want to make sure your team has the whole story as the customer service rep was very short and dismissive This morning around XXXX, when I woke up, I checked my phone and saw numerous notifications from Current Bank at all hours of the night for both charges and then declines. Thank God for daily limits or I fear my account would have been emptied. Unfortunately, I still found that thousands of dollars had been taken from my account in just the one night alone but I also found older charges from earlier in the week. These charges range from XXXX dollars with a majority of it coming in XXXXne night. They all say it was in XXXX XXXX Michigan at some Casino/Hotel. I have GPS proof that I was no where near XXXX XXXX last night or ever for that matter. As soon as I saw the charges, I turned my card off and started to look for my wallet. I have searched everywhere but I have not been able to find it. I cant say if I lost it or if it was stolen but someone has used the card on the other side of the state. When filing the dispute, the representative said that my card was being used, again, I can prove that I was no where near XXXX XXXX MI all week with GPS data, witnesses, even pay stubs. 

I would also like to add that the following night and Sunday, more attempts were made using the same card, multiple times throughout all hours of the night. Luckily I have now paused the card and blocked the vendor but they are still trying to use my card. I am sure you can see this if you check my account notifications. 

First thing I did after turning my card off, was call the Current Customer Service number which told me to call back XXXX and then hung up on me. As soon as I was able to leave my house, I went to the local police department and filed a report. I explained to them what happened and I showed them evidence of the charges and my location during the time of the charges. They gave me with a case number XXXX and then sent an email for me to upload all of the evidence that I showed them. 

At this point, I am not sure what else that I can do. I am still combing through the charges, there may be more but these ones listed are the most alarming to me and it won't let me dispute atm charges on their site. Unfortunately I have to continue to work but will do my best to dispute everything. 

Not only did current deny the claim above but they have yet to send me any documents to support their decision. As mentioned above there are more charges i havent even been able to dispute but i doubt their customer service team even read my statement. Now that I am filing a complaint here, I expect they will shut down my account, as it is common practice for them.
Product: Credit reporting or other personal consumer reports

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX XXXX XXXX XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Remove the damaging information from the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FDCPA and they are in violation of the law. 

These violations include but are not limited to : Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability I am frustrated because these accounts that should have been removed are impacting my life.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. I looked at my Experian credit report on June 6th, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2005 this a XXXX educational loan account has appeared on my credit report due a fraudulent signature executed by my ex-spouse in attempt to implicate me in her student loan debt. I have disputed this account several times and have since been held XXXX by both XXXX and Experian for student loan debt that is NOT connected to me and is detrimental to my credit score. The ex-spouse has since legally accepted all responsibility for this debt through the Office of the XXXX XXXX XXXX XXXX ( California ) and is making all withstanding payments as per the legal agreement. This is a disgusting violation of my personal finance position and as you are acutely aware, I have no recourse to move on. Both the creditor and credit reporting agency refuse to do the right thing and remove my name from this debt despite me providing the all documentation associated with this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently had an adverse reporting with my account with GM financial reporting. They have reported incorrectly with XXXX and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back in XXXX  did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}
Product: Mortgage

XX/XX/2020 : Closing the sell of our property and land Prior to the closing date the closing company called and went over the information on the closing disclosure. 
My husband is a 100 % XXXX Veterans and has exemption from property taxes by the State of Oklahoma. They had charged us with {$800.00} for the 2020 property taxes. I told them at the time that we do not have property taxes due to his exemption.

On the day of closing when we closed, the Property Taxes were charged against us. I again told the closing company that we are exempt. They stated that they were directed by the Mortgage Company GMG to charge. 
We then went to our XXXX County Tax office to see if we were responsible for the property taxes they had charged us with. They said we DID NOT owe any taxes for the 2020 year. I again contacted the closing company to no avail. I then emailed the Mortgage Loan officer and her response was, " We have to collect for
the taxes due for the year. If they aren't due from XX/XX/XXXX to closing date then the ______ (

buyers ) will get a refund once the account is analyzed after the first of the year ''. The mortgage company is holding our money and plans to " Refund the Buyer ''. This is our money not the buyers.
Product: Payday loan, title loan, or personal loan

I have XXXX credit protection due to breach at XXXX records and my personal information was stolen. I was sent an alert that a delinquent account was held in my name at Avant in XXXX. I contacted them a told them I had never opened an account with them and that it is a case of identity theft. I was told I needed to send them a copy of a police report and a sworn affidavit. I did this and it was received by Avant on XX/XX/XXXX ( usps tracking number XXXX. I emailed them and informed them I sent the information and received no response so on XX/XX/XXXX I sent another email with a picture of usps tracking info and told them I would file a financial complaint against them if I did not heard within a week that their complaint against me was not resolved.. The next day I received another email thanking me for sending the information and that they were going to send letter to XXXX to closed their complaint against me and it should take a few weeks. On XX/XX/XXXX I received another alert from XXXX of credit collection against me by XXXX XXXX XXXX XXXX on behalf of Avant web bank. I contacted XXXX and together we called AVant and we were hung on, we called back and asked for a supervisor and he refused to talk with us and he never tried to return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my consumer report since XXXX  and have been told my by XXXX, Equifax, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact XXXX, XXXX and Equifax to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Product: Debt collection

What is tax evasion? " The illegal nonpayment or underpayment of tax. Florida has strict rule when it comes to taxes on a deed or mortgage. See Florida statutes 201.08 ( 1 ) ( b ), 199.282 ( 4 ). " No mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court ... .until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it. '' For further clarification, see Florida caselaw XXXX XXXX XXXX attached herein. A lender has no enforceability in any Florida Court room when the intangible & stamps on a deed are not paid. The attached loan modification reveals that the intangible & stamps were not paid on the loan increase and therefore has no enforcement. Yet a judgment was acquired by the bank and is illegal to say the least because the instrument does not have any enforceability in this state but worse than that, Chase has evaded taxes that are due in this case. The investigator who worked on my case realized that hundred of thousands of loan modifications that contain new money or loan increase, taxes were not paid. It appears on its face Chase is evading taxes and the matter should be investigated by the Department of Justice. The investigator has enough proof to go after Chase for tax evasion. The consumer financial or law enforcement should contact me directly on this. The property is being sold on XX/XX/2022, yet Chase never paid taxes due and the instrument is deemed unenforceable. Action is whereby required this is tax evasion!!!! wake up consumer financial protection, wake up!!!! tax evasion!!!!! wake up!!!!
Product: Debt collection

Hospital/Physicians and Credit Control Corporation are in violation of the HIPPA law, sending unauthorized PHI and PII with no signed HIPPA release form and without truly verifying if this account belongs to me. For almost two years, I've been asking for documentation verifying these accounts, yet still no original signed documentation given, only copies of medical billing statement with diagnosis, patient name and date of birth.
Product: Debt collection

I received a letter from Innovate Auto Finance/ Dealer Funding LLC XXXX XXXX XXXX XXXX XXXX Texas XXXX stating that I was in default and Requirement of Strict Compliance. The letter was dated XX/XX/XXXX. I reached out to the company on XX/XX/XXXX through email to validate the debt because I had no idea who this company was, I never signed any contracts with them nor haven't even spoken to anyone from the company before. I go outside to walk my dog and realized that my car is missing, they had came a repossessed the vehicle without validating that I infact owe them.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$950.00}