23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!
Product: Credit reporting or other personal consumer reports

Complaint against EQUIFAX for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Termination : XX/XX/year> ( R ) I previously filed a dispute with Equifax regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EQUIFAX failed to conduct a thorough investigation and the disputed account remains on my credit report. As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EQUIFAX failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EQUIFAX complies with its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX
Product: Consumer Loan

I am a XXXX Veteran and XX/XX/XXXX, had to abandon my NC home, due to unsafe/unhealthy mold. The house was uninhabitable and was way to expensive to repair. I could not do it, nor could I afford to pay someone. 

I had to file Chapter XXXX BK, in hoping to release my name from Deed, due to CitiMortgage surrendering house back to XXXX XXXX. I was NOT made aware that Citi did this and all sorts of back taxes and City of XXXX XXXX " Maintenance '' fees were accruing. 

When a law firm discovered my address, from the last water bill paid, they sent me letters stating that they would foreclose, due to these fees. I panicked and filed Chapter XXXX. 

I thought Citi had control of the mortgage and were going to sell the property. They sneakily surrendered it back to XXXX XXXX. Citi paid XX/XX/XXXX taxes, put a tarp on roof, changed locks and placed anti freeze in pipes. 
( I found this out by neighbor ). 
Citi was also made aware of my abandoning said property via phone call AND mail. XXXX XXXX confirmed this fact. 

One lady at XXXX County tax office, told me that I am not responsible for the taxes, yet the same county office filed a claim against me, including City of XXXX maint. fees., atty. fees, etc.. 

The BK Trustee handling my case, was made aware of this fact and decided to still penalize me, forcing me to pay, despite me making mention of this. I even disclosed the womans name and phone number!? 

One person tells me I do n't owe and another says I owe, even though I walked away from the house due to health/safety circumstances. 

I just finished spending an entire year living in EXTREME poverty, yet ineligible for any social programs, unless I sell all my possessions, which is n't considered as squat! 
I drive a XXXX Dodge Dakota, which is in less than fair shape. 

I am totally disgusted with how things have turned out over the last 10 or so years and I 'm not surprised that many other Veterans in my position XXXX! 
Yet these same people always exclaim : " THANK YOU for your service to our country! "? 

The whole reason behind this financial mess of mine, is primarily due to the Dept. of Veterans Affairs and their " Delay, Deny and Hope that I Die! '' mentality. My claim is over 14 years old. 

XXXX XXXX refuses to release the lean, even though I 'm involved in a Bankruptcy proceeding, unless I pay them {$1000.00}! 
My name remains on the deed until I do so, which as you know I am responsible, if the house is set on fire or someone is injured on the property. 
XXXX 

I also have a separate claim, that I would like to file against XXXX XXXX, but will do so separately.
Product: Credit reporting or other personal consumer reports

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX XXXXXXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you
Product: Credit reporting or other personal consumer reports

I am unable to send my documents to XXXX credit Reporting, XXXX  Credit Reporting, and Equifax Credit Reporting all three companies have this credit collection service information on my credit report but I can not dispute this information with all three credit companies because their websites will not allow me to dispute this action when I called the phone just continue with a recorded message.
Product: Credit reporting, credit repair services, 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, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> money line to XXXX in the amount of {$5000.00}. 

The list goes on. 

Ill follow up with another complaint about the car loan in the personal line of credit and ATM withdrawals oh, and all the pay to XXXX. They have denied the XXXX charges that I know we werent Me because it went back further than 60 days .those not allowing me to file claims. This is getting to be somewhere around {$100000.00}. Missing money. 
I filed a complaint with the XXXX.
Product: Mortgage

After an initial denial of a modification request based upon a job loss resulting in an income decrease of XXXX figures, Bank of America sent us a " settlement offer '' which stated unconditionally that our second mortgage of XXXX would be reduced in principle to XXXX, with resulting payments, etc, and not to accrue interest. The letter stated that it was a " settlement in full ''. There were no conditions mentioned, nor any restrictions. We contacted our " recovery analyst '' with a few questions. Would there be any pre-payment penalty? No. Were there any conditions on the settlement, including conditions on the sale of the home? No. After making these payments for 8 months, we decided that since were were no longer under water, to get a better handle on our finances we needed to sell and move into a rental home. Nearing the close of escrow, after a request from the escrow agent, B of A stated that the payoff balance was XXXX! The original XXXX, less the payments we had made since the " settlement in full ''!! They have told us that the payoff can not be paid from the proceeds of the sale of the home. This is the XXXX time this was ever told us. We spent thousands on repairs and inspections. We will now fall out of escrow. After being lied to ( It 's the law '' they told my husband. I, an attorney called back and stated I wanted the Code section on which they relied, then they stated it was probably an internal rule ). They consider this a short sale now. My request ( which would be for them to accept the XXXX, XXXX without regard to the origin of the funds, so we can sell our home, but I know this is not realistic ) is to provide better communication and information. Also, B of A has a " notice '' problem. This condition was never stated in writing, nor orally. They MUST be required to publish this information. It is a critical condition and materially affects the terms of the " full settlement '' which is not really a full settlement, more like a conditional forbearance. They have a legal problem with this, and when they get someone who has the time and patience, they will be facing another class action. What I really want now is to let our first foreclose, and let B of A get 100 % of NOTHING.
Product: Debt collection

. The company needed to be investigated due to not providing proof. XXXX the same. I have not received anything needed to prove the information. According to Section 1681i of the FCRA, I have the right to dispute inaccurate information on my credit report and expect that such information will be thoroughly investigated. Under 15 U.S.C. 1681s-2, it is the responsibility of data furnishers to report accurate information, and National Credit Systems has a legal obligation to ensure the information they report on my credit file is valid and correct. Additionally, under Section 1692g of the FDCPA, I am entitled to validation of any alleged debt within 30 days of request.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. A fraudulent account has been reported on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/2022 XXXX  Balance : {$1100.00}
Product: Debt collection

In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was discharged after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to 2 hospitals. The first hospital as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time I was working for the state of Florida and had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these 2 accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. XXXX never sent me a letter of reinsertion to explain why. I disputed again and XXXX is refusing to remove the accounts off my record. No idea why, as it merely says the information was updated. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just now becoming aware of credit and its usage and I have discovered multiple accounts that do not belong to me. I have noticed multiple fraudulent accounts on my credit file, I do not have any record or knowledge of these accounts. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account and it states that on XX/XX/2019 a XXXX XXXX XXXX XXXX card had tried to be opened and a hard inquiry is on my account. I called XXXX  and they told me I had to contact transunion because they couldnt help me. The rep did not even try to listen to me when I told him my identity had been stolen and I already have a fraud police report opened and this was not me. So I need the hard inquiry removed.
Product: Student loan

I was on the Income-based repayment plan before I started XXXX school. When I started XXXX school, my loans went into in-school status. At the same time, it was time for me to reapply for the payment plan I was on. I 'm a XXXX employee XXXX, and I was also trying to work on the XXXX Forgiveness program. Fedloan told me that in order for my payments to count, my loans would have to be taken off deferment. My loan status of in-school also denied me from getting reapproved to have the payment I was on. They told me I had to wait for a form to come in the mail when in fact it could have been sent electronically. I filled out the form after waiting for two months. Come XXXX 2015 after my loan status was fixed, I reapplied for a reduced payment plan. That took 3 months to get resolved after talking with several general customer service reps and XXXX supervisors. Because I was waiting for them to change my payment plan, my loan payments returned to the normal rate of XXXX dollars per month. I ca n't afford that. After some time, my loans went into delinquency because I was waiting on Fedloan to change my payment plan. It was only two days after my due date that I called and got my account put a forbearance put on it. After speaking with a specialist, I finally managed to get on the payment plan I wanted. However, because of my loans going into delinquency, I owed XXXX dollars. I am currently working with the specialist I have been in contact with to get this resolved. 

In short, the problems I have with Fedloan deal not only with customer service issues, but with inefficient business practices. They are incompetent and almost not worth dealing with, even though I want to participate in the XXXX XXXX Forgiveness program.
Product: Money transfer, virtual currency, or money service

I wired money to a charles schwabb account, total of XXXX. The company ( XXXX ) I was to wire the funds to i learned to be a fake a few days later. When the company ( XXXX ) did not return my call i tried multiple times to speak with someone at charles schwabb to notify them about the scam. I was told there is nothing that can be done, they would not even make a note of my phone call.
Product: Money transfer, virtual currency, or money service

I went from making on time payments to my credit cards had a great credit score until I couldnt keep up and thought I enrolled in a debt consolidation that would help me pay off all my credit cards and I was paying a fraudulent debt consolidation call Financial Solutions of America a company that I was advised by a bank teller at XXXX XXXX XXXX in XXXX California now called XXXX XXXX, For 2 years I was making between $ XXXX {$500.00} a month payments. All started XXXX. I was contacted regularly through phone and email, I was advised to change banks, I went from XXXX to XXXX XXXX XXXX, I was also advised to stop paying my credit cards and ignore all letters and calls from creditors by the time I figured out I was being scammed I immediately told my bank and was reimbursed {$1000.00} back but they still managed to scam {$4000.00} from me leaving me with a bad report with the Credit bureau and now its affecting my ability to move forward with my future because my credit went down so low its been impossible to bring it up, Im hoping if I can prove I was scammed it may help my chances in recuperating my credit.
Product: Checking or savings account

On XXXX XX/XX/year>, I finally was able to have the cancelation of my membership with Flexible Finance , Inc.XXXX Yet on XXXX XX/XX/year> Flex withdrew over {$2400.00} from my checking account at XXXX XXXX  without my authorization. Flex has been sending text messages in this regard to which I refused to answer. For the amount of funds withdrawn, I have called ( XXXX ) XXXX hoping to speak to a live presentative, only to received a message stating that Flex does not answer calls, and that a text should be sent in that regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Amount : {$1900.00} in accrued interest payment to home depot credit services. 

I'd like to start out by saying that I have perfect credit on several accounts for over a 20 plus year history. Back in XX/XX/2019, Home Depot hit my bill with an accrued interest/promotional balance payment that increased my minimum payment due significantly. I called Home Depot credit in XXXX and they agreed to let me pay the promotional balance and, in return, they would remove the accrued interest. It was not made clear to me at the time that I had to pay the promotional balance on the spot for them to remove the accrued interest charge. I was under the impression that they would remove the interest charge and that I would pay as I normally do and had some time to pay the promotional balance. I pay this bill automatically through my bank and because of this accrued interest charge that they agreed to remove ( but did not ), my payment was less than the new minimum payment they calculated. They reported me to the credit agencies as having a late payment 30 days. I want it removed
Product: Payday loan, title loan, personal loan, or advance loan

I keep trying to speak with consumer service but they are horrible. I wanted to know several things about my account that has risen questionable additions to the amount that I was first quoted. I have spoken with numerous people, some hung up, others put me on hold, one did in fact yell at me and told me that I should have known how the company works. I have tried to get my concerns and questions answers by phone and by sending mail. Neither numerous has been answered.
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, have violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

I demand that all late payments indicated on both accounts are to be updated as Never Late immediately.