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

From XX/XX/XXXX to XX/XX/XXXX I didnt receive any statements notifications or updates from Hyundai Motor Finance XXXX Every time I checked the app it showed that I owed {$0.00} and there were no statements available for me to download or review. I even made a payment during that time because I thought I was up to date. Then in XXXX out of nowhere I found out that my account was past due and I had to scramble to make four payments all at once just to avoid collections.

Ive spent countless hours probably 10 to 15 total on the phone with Hyundai trying to figure out what happened. I asked to speak to supervisors multiple times but no one could explain why I wasnt receiving statements or why the app didnt show the correct balance for months. The lack of communication left me completely blindsided. 

Even though Ive tried my best to catch up its been really hard financially and Im still one payment behind. Now Hyundai is constantly harassing me about the overdue balance even though this whole situation started because they failed to provide me with accurate and timely information in the first place and reported it to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I enrolled in Freedom Debt Relief ( FDR ) Program to consolidate 6 credit cards and to lower the original amounts owed. I spoke to a representive XXXX XXXX and he stated I can pay {$160.00} bi-weekly and they will pay all my credit cards over a 2 year period. I was told if I get any letters from any credit card company to foward it to FDR and they will take care of it. I was also told DO NOT pay ANY credit cards or make any settlements. After 2 years with this program I noticed no settlement was made for 1 of my credit cards, which was XXXX XXXX credit card. I owed {$3900.00} when I enrolled. 

XX/XX/XXXX I received a letter from a law firm XXXX, XXXX XXXX XXXX stating my XXXX XXXX credit card was sent to them due to non payments. The letter stated I owed {$4500.00}. due to no payments made on the account and late fees. I called FDR and asked why no settlement was made on this credit card and was told there was not enough funds in my account. I was told to foward the letter to them, which I did. 

XX/XX/XXXX I called FDR to inquire about the XXXX XXXX account and asked why no settlement was made and was told not enough funds in my account. I was told a settlement will be made in XX/XX/XXXX once they pay off 2 other credit cards that had smaller balances. 

XX/XX/XXXX I spoke to FDR and was told that the lawyer representing XXXX called FDR and asked for a 1 time payment of {$3200.00}. When I asked why I wasnt informed, I was told " Do you have {$3200.00} to make that payment ''? I said of course not. I then removed the XXXX XXXX account due to them not making any settlement. 

XX/XX/XXXX I called FDR and terminated my account. 

This outstanding balance is on my credit report and it is damaging my credit. 
I am trying to refiance my truck and I am getting denied because of this account on my credit report. I would like to have FDR held accountable for mishandling this account for 2 years and not informing me aboout the settlement the law firm offered.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX  **** Balance Owed : {$930.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute on XX/XX/XXXX in regards to inquiries on credit that I did not authorize and received a notice XX/XX/XXXX that some were deleted but they are still showing as inquiries on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DEPT OF EDUCATION / XXXX. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and Id like remedied ASAP. 
DPT EDXXXXXXXX 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: Mortgage

Since the last complaint I have found a life and disability policy through XXXX life insurance account numbers XXXX and my wife passed in XXXX of 2014
Product: Mortgage

My loan was sold or is being serviced by Specialized Lending Services, I was owing XXXX XXXX. I have Always paid my mortgage and this company has reported me 30 60 and 90 days late. Ive paid more than whats due. They refuse to address the incorrect info on my credit report.
Product: Checking or savings account

I sent My niece {$100.00} via XXXX  and it did not prompt me if that was the correct information and I was never refunded the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the  FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to TransUnion, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
Product: Consumer Loan

Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a customer to a credit reporting agency if the person has any reasonable cause to believe the information is inaccurate.
Product: Mortgage

I was charged incorrect points at my real estate closing by Recovco Mortgage Management Company, they were different than what had been disclosed to me. I was supposed to have been assessed 1.75 % of the loan amount but was instead assessed 2.0 %. The over-charge totals {$870.00}. 

A Recovco representative communicated to me through my mortgage broker that the points would be 1.75 %, and that is the rate that was shown on the first Loan Estimate document provided to me on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ) and then again on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ). The documents were provided to me through Recovco 's on-line XXXX XXXX XXXX XXXX. 

Then I received a 3rd version of the Loan Estimate document on XX/XX/18 ( attached, 'Loan Estimate XXXX 2.0 % .pdf ' ) ) and the points had changed to 2.0 % without any explanation. I immediately communicated the issue to my mortgage broker, telling her the points were different than I had originally been quoted. She set out to resolve the issue with Recovco, though had difficulty in contacting them and I was still awaiting resolution as we neared the closing date.

Finally, without any additional communication from Recovco on the matter, I received a Mortgage Broker Fee Disclosure from them that I was asked to sign that disclosed, among other items, a loan origination fee now set back to the original 1.75 %. So, at that point, I reasonably believed the issue had been resolved. 

When I arrived at the closing on XX/XX/2018 I was surprised to find that the points I had just signed off on on the Mortgage Broker Fee Disclosure ( it is attached as part of the file called 'Letter # 1 7.23.18.pdf ' ) had now reverted to the 2.0 %. Not wanting to delay the closing I went ahead and paid the difference intending to follow up with Recovco afterwards, which I did communicate to the mortgage broker and the closing attorney. 

On XX/XX/2018 I wrote a letter ( attached, 'Letter # 1 7.23.18.pdf ' ) to XXXX XXXX, President Recovco Mortgage Management ( there were no other contacts for customer service issues provided on their website ) explaining the situation and asking that the difference of {$870.00} be refunded to me. I did not receive a response to that letter, so on XX/XX/2018 I sent a 2nd letter ( attached, 'Letter # 2 8.6.18.pdf ' ) requesting a response and indicating that I  would file a complaint with the CFPB if I did not hear back from him by XX/XX/2018. I did not get a response to my 2nd letter either, so am now submitting this complaint.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

I filed a dispute for unauthorized transactions that I found on my account. I feel like the claim wasnt properly handled and if the merchants were contacted, they would have confirmed the accounts did not belong to me. I also advised that my card was left in my car. Every time a call was placed to this bank, there was someone from the XXXX taking the call and it was later discovered that the info I kept providing or inquiring about, was never documented. This company supposedly finalized this claim within 10 days when I was advised that it would take XXXX and I would receive a provisional credit. I would like my claim reopened and investigated again.
Product: Debt collection

( Credit control LLC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Student loan

Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect DOB XXXX XXXX XXXX - Incorrect Names
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I received notification by email that my credit card was cancelled due to non-use. I immediately pulled up my USAA app and reviewed all the documents that were recently sent. After seeing that a cancellation warning had not been provided, I called USAA to have my account reopened. I was informed that my account could not be reopened and that I should reapply. The representative stated the notification was generated on XX/XX/XXXX and did not acknowledge why the document was not showing in my USAA app. Im concerned that USAA may be generating cancellations warning and not truly sending the letters out to customers. 

After being told the issue date of the cancellation warning I validated my email was correct, checked my Spam, junk, and deleted folders and could not locate the warning letter. 

I have attached a screenshot of my app showing that no disclosures were received on or around XX/XX/XXXX XXXX
Product: Debt collection

I no longer have possession of the XXXX XXXX XXXX XXXX. The vehicle was sold for XXXX in which the car is worth & the XXXX also was credited {$2300.00}. Since XXXX they have been reporting on my credit as if its an open loan and past due. The sent me a letter out of retaliation for filing a complaint using threatening language to continue to harass me. They are now claiming I owe {$17000.00}.
Product: Mortgage

On XX/XX/XXXX, I requested a PMI cancellation form from my mortgage company. I requested this because I have done some improvements to the property after moving in. My house was appraised less than 60 days prior to XX/XX/XXXX because it was part of the closing process which was requested by the mortgage company. I was under the impression that I could request something called a Buyer 's Price Opinion ( BPO ) which would give my mortgage company a verification of the value of the property in connection with the PMI cancellation that I requested. 

Once the BPO was requested, I was asked to pay {$120.00} for someone to come out. This happened a few days later. The realtor who did the BPO said everything looked great and I was told everything should be good to go. 

On XX/XX/XXXX - I got an email saying there was a letter from Provident on my account and that the PMI cancellation was denied. However, I was not able to open the letter online because of a Server Message error. This was the case on multiple browsers and computers. I contacted Provident on XX/XX/XXXX asking to get the content of the letter resent to me or re-uploaded to their system. I was given the Case Number XXXX. I received a response on the same day saying that they can not email me the document/letter and asked me to re-try with other browsers. I responded the next day clarifying that I can not read the contents of the letter so they should reupload to the system, the mortgage company told me that a physical letter would be mailed to me along with the BPO ( on XX/XX/XXXX ). On XX/XX/XXXX, I got a message saying they reuploaded it and to try again. I am still getting the same error at this time after they reuploaded the letter. 

Today is XX/XX/XXXX and I have received other letters from Provident since having talked to their customer service representative but I have still not received an explanation on why my PMI cancellation was denied. I have record of the correspondence between myself and Provident on these dates. I have screenshots of the error I'm seeing online as well. Provident has provided me with no explanation and no other process to get the letter. All my attempts have ended up in the same way where a customer service person either says it will be mailed or they have uploaded it again.