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

Hyundai Finance Subject : Request for Payment Extension and Investigation into Fraudulent Activities Dear Hyundai Finance Team, I am writing to formally address and request your urgent attention to issues regarding the purchase and financing of an XXXX  from Hyundai XXXX on XX/XX/XXXX. Unfortunately, I have encountered several instances of fraud and misrepresentation during this transaction, which have caused significant financial harm. Below are the specific issues and concerns : Fraudulent Add-Ons and Overcharging : Over {$15000.00} worth of add-ons were added to my sales contract without my knowledge or consent. 

The sales price was inflated by {$2000.00} beyond the agreed-upon amount. 

Partial Refunds and Outstanding Issues : A portion of the overcharged amount, {$6500.00}, was returned to Hyundai Finance on XX/XX/XXXX. 

The manager at Hyundai XXXX, XXXX XXXX XXXX, acknowledged discrepancies via email and offered {$7600.00} to settle the case. However, this amount is insufficient given the high interest rates and monthly payments Ive incurred due to these fraudulent actions. 

Refusal to Address Core Issues : Despite acknowledging the {$2000.00} overcharge, XXXX XXXX has refused to transfer these funds to Hyundai Finance to cover my monthly payments unless I sign a release form. I informed him that withholding these funds is illegal and unethical. 

Funds related to a canceled item, " XXXX, '' were also not sent to Hyundai Finance despite my repeated requests. 

Legal Consultation and Investigation : I am consulting with legal representatives and the Federal Trade Commission ( FTC ), who have advised me not to sign any documents with Hyundai XXXX until a thorough review of all transactions is completed. 

The Attorney Generals Office is also reviewing the case for potential legal action.

Given the above circumstances, I respectfully request the following : Payment Extension : An extension on the payment due XX/XX/XXXX, to allow me time to recover financially from significant losses caused by recent hurricanes in Florida and the financial strain imposed by this situation.

Credit Protection : Assurance that no negative items will be reported to my credit report during the ongoing investigation by the FTC and Attorney Generals Office.

Cooperation with Investigations : Prompt collaboration with the FTC and Attorney Generals Office to resolve these issues.

I am currently working to secure a loan to cover any outstanding amounts owed but require your understanding and support during this challenging time. I trust Hyundai Finance to act ethically and in good faith to address this matter. 

Please confirm receipt of this letter and let me know how you intend to proceed. I look forward to your prompt response and resolution of this matter. 

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

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

This company sent my insurance payment which caused the policy to be cancelled. Now that I'm trying to get coverage the policies in California have changed drastically.
Product: Credit card

Timely payments have always been a priority for me on this account, preventing any instances of overdue payments. Yet, I'm perplexed by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's imperative to correct such errors.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX
Product: Debt collection

the company resurgence has no contract with me to them however provided information that states i have a contract with another company that can be assigned- i asked for that assignment document and it has not been provided why can they present my personal information and respond on behalf of a company with no documentation- i demand to see what authority they have as no response has provided that information this report will be eli aged should they again fail to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XX/XX/21 to consolidate credit card debt. I took an offer with LendingClub. They asked me to submit new documentation to finally deny my loan three days later. I said find. I went to the competition. XXXX approved and funded my loan within 24 hours. " LendingClub '' then came around, approved and funded my loan too. Obviously, I rejected one loan ( I can not have two loans ). I rejected the " LendingClub '' loan. In some type of retaliatory move, " LendingClub '' then placed a Hard inquiry on my file on all three credit reporting agencies XXXX which they didnt need to deny or approved my loan before ). " XXXX '' didnt need it. They never placed one. Then " LendingClub '' reported to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) That I took out a loan with them. This is INACCURATE information and a clear violation of the Fair Credit Reporting Act. It only took them 6 days to report to the credit agencies that I had taken out a loan. But it has taken then 45 days ( and counting ) to report that I have rejected that same loan ( loan was rejected on XX/XX/21 ). This needs to be corrected. Thank you CFPB for your help.
Product: Credit reporting or other personal consumer reports

**Yes, credit report companies can frustrate interstate commerce. ** Here 's how : 1. **Inconsistent Standards : ** Different credit reporting agencies may have varying standards for reporting and scoring credit information. This inconsistency can make it difficult for businesses operating across state lines to accurately assess creditworthiness.

2. **Data Accuracy Issues : ** Errors in credit reports can negatively impact individuals and businesses, leading to difficulties in obtaining loans, financing, or even employment. These errors can be time-consuming to correct, especially when dealing with multiple credit reporting agencies.

3. **Limited Access to Credit : ** Individuals and businesses in certain regions, particularly rural areas, may have limited access to credit due to factors like lack of local lenders or reliance on credit reporting agencies that are less familiar with their specific circumstances. 
XXXX. **Excessive Fees : ** Some credit reporting agencies charge fees for accessing credit reports or correcting errors, which can be a financial burden for individuals and businesses, especially those operating on a tight budget. 

These factors can hinder the smooth flow of goods, services, and capital across state lines, ultimately impacting the overall health of the economy. To address these issues, various regulations and initiatives have been implemented, such as the Fair Credit Reporting Act, which provides consumers with certain rights regarding their credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act conversion account # 15 US C 1681 section 602 states I have the right to privacy. 15 USC 16801 604 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 account under an open and consumer plan as late for any purpose Remove.
Product: Credit reporting

I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To XXXX/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Correction of Inaccurate Late Payment Reporting Account No. XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments associated with the XXXX XXXX Account ( Account No. XXXX ). The recent results of your investigation show that this account continues to reflect incorrect late payment entries, which is misleading and damaging to my credit score. 

From XX/XX/XXXX- XX/XX/XXXX you are reporting 30 days late each month which was inaccurate. 

On XXXX, XXXX, and XX/XX/XXXX you are reporting no data which is also inaccurate Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. Your failure to correct these inaccuracies constitutes a violation of my rights as a consumer. 

I demand that you rectify these errors immediately and provide written confirmation of the corrective actions taken. If this matter is not resolved within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau and pursue any necessary legal action. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting information on my consumer report that is not authorized by me, the consumer. It is against the federal laws to report said information against my authorization.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to  XXXX  and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Product: Credit reporting or other personal consumer reports

When I recently check my credit score on XXXX XXXX I notice these fraudulent account : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit inquiry to Experian from the Small Business Administration and I did not initiate the inquiry nor am I applying for any loan or services with the SBA. The report was initiated on XX/XX/, 2020.
Product: Checking or savings account

I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!
Product: Mortgage

My VA mortgage w/XXXX  was sold in XX/XX/2018 to Flagstar, Escrow monies were used by XXXX to pay Insurance while Flagstar paid Taxes. The Taxes decreased in 2018 because of my application for and recieving Homestead Exemption, thereby leaving an overage in escrow. Upon my Inquiry to Flagstar about the approximatly {$400.00} escrow overage and adjust Monthly Payment, I was told that, Flagstar must keep two months cushion in Escrow for a VA mortgage because of RESPA.

I don't know the Rule or reference to RESPA, so I'm making this inquiry. 

With XXXX there was always a small shortage which was rectified the following year with a slight increase in monthly payment. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a Kia that was stolen and thats another issue, bottom line, Kia put a charge off on my account saying account closed and that the balance due was {$3500.00}. I paid Kia {$3500.00}. I waited XXXX  days for my credit report to reflect that information as the person on the phone who took the payment said it would be. It wasnt. I then opened a dispute with XXXX, the response from Kia was to change the balance due from what it has said for the past XXXX months to a year ( {$3500.00} ) to suddenly becoming $ XXXX. I have never had XXXX statement from these people and this entire issue stems from the car being recovered but Kia not informing me and then the car was auctioned off! 

I have taken a huge hit on my credit and everytime I try to pay the balance or fix they make it worse hitting my credit even more. How can you add on thousands of dollars to a balance due after the balance due for months was stated and paid in full?
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the unauthorized hard inquiries listed on my credit report. These inquiries are negatively affecting my XXXX XXXX, and I believe they violate the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer information. 

The following inquiries are in question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for My Dispute Under the FCRA, hard inquiries can only be authorized by the consumer. Specifically : XXXX. 15 U.S. Code 1681b ( f ) : A person may not use or obtain a consumer report unless authorized by the consumer or if permissible under federal law. 
XXXX. 15 U.S. Code 1681i ( a ) : Consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 
XXXX. 15 U.S. Code 1681c-2 : Credit reporting agencies must block unauthorized information within XXXX business days of receiving proof of identity theft or fraud. 

FTC and Credit Bureau XXXX XXXX Federal Trade Commission ( FTC ) reported significant data breaches involving XXXX ( XXXX ) and Experian, which compromised consumer data, including mine. These breaches have heightened the risk of unauthorized inquiries and fraudulent activity on my credit report. 

According to the FTCs guidelines : Consumers are entitled to enhanced monitoring and remedial measures due to negligence in securing personal XXXX Experian and XXXX are legally obligated to rectify inaccuracies caused by these breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX
Product: Debt collection

This is the second time i have received a letter from American Coradius International LLC, stating that i owe XXXX money. I have contacted XXXX about the issue and their is no such thing as the amount that is stated in the letter. I have called, and have repeatedly told American Coradis that it is not valid and to have send proof for verification, which they have not done. They keep sending me mails, and calling me about it. I am tired of them using unfair and deceptive practices to collect debts that consumers such as myself do not owe. I hope their will be no third time for another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting the wrong address and additional credit accounts that I do not own. Equifax, XXXX and XXXX have been hacked.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with Portfolio Recoveries Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to Transunion on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks
Product: Student loan

My loan service provider, Great Lakes Higher Education Corporation & Affiliates ( " Great Lakes '' ), has refused to calculate my payment amount based upon my adjusted gross income ( " AGI '' ). Instead, Great Lakes is calculating my payment amount based upon my reported income on my XXXX. By doing so, Great Lakes has improperly increased my monthly payment by a significant amount. 

I am eligible for the Pay As You Earn ( " PAYE '' ) repayment plan. I have submitted all required paperwork for the PAYE plan. Calendar year XX/XX/2019 is my third year in the PAYE plan. 

Pursuant to Section 4B, Line 11 of the IDR Plan Request, OMB No. 1845-0102, I am required to submit my most recent Federal Tax Return with my request to remain in the PAYE plan. As in years past, I logged onto the StudentLoans.gov website to  submit my application. This in turn redirected me to IRS.gov,  whereby I authorized the IRS to electronically transmit my Tax Return to Great Lakes. IRS, U.S. Department of Education, and Great Lakes have provided email confirmation that Great Lake received my tax return. Further, I have verbal confirmation from multiple Great Lakes employees of the same. Specifically, over the past three days, " XXXX, '' " XXXX, '' and " XXXX '' each confirmed receipt of my tax return. 

Nevertheless, Great Lakes requested a copy of my XXXX to confirm my wage information was incorrect. I provided a copy of my XXXX, which confirmed the accuracy of my tax return. However, Great Lakes has now taken the position that they retain discretion to reject my tax return and calculate my payment amount based upon my XXXX wages, and not my AGI, as required by the U.S. Department of Education. Importantly, my AGI amount is lower than my XXXX wage amount, and using my AGI to determine my monthly payment amount results in a lower amount than using my XXXX wage amount. 

I have spoke with Great Lake multiple times in an attempt to resolve this issue. But Great Lakes is unwilling to process my request in accordance with the requirement under PAYE. Moreover, Great Lakes is unwilling to process my request in a manner similar to years past. 

I have ample supporting documentation, and can provide the same as necessary.
Product: Credit reporting or other personal consumer reports

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my XXXX and Driver 's License. 

This item do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX