23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number. 

I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc. 
The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX. 

The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX. 

I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. 

I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I received a copy of my Experian credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Vehicle loan or lease

This complaint is about my frustrating experience with Hyundai Motor Finance. 
I love my XXXX XXXX XXXX XXXX XXXX. I was leasing it for 3 years, had no problems with it, as well as low mileage, and decided to buy it when the lease matured XX/XX/XXXX. 
The issue is not with the car, it is with the company. 
At the end of my Lease, I informed them I will purchase the car. 
I contacted the Lease End Department on XX/XX/XXXX, got the buyout information. 
On XX/XX/XXXX XXXX I made online payments for the total amount required and emailed the odometer reading statement along with the confirmations of payments Then the ordeal started. In short, I have been calling several times a week to get an update, the Buyout Department had to apply the payment, close the account and after that send me the Title ( which takes 10 days as I was told!!! ) Every time I had to be transferred from one department to another. You can get only the first name of a person you talk to, They are not allowed to give the last name!!!! and email is for internal purposes only. 
Every time they assured me of sending emails to the Buyout Department to expedite the process. 
I am still waiting for the Title. Moreover, when I log into my account it still shows unapplied credit. The buyout department has not corrected the error! This company needs to hire competent people and train them properly. 
I sent emails, posted the companys page on XXXX with no result. 

Despite multiple attempts, I couldnt get the problem resolved. 
Therefore, I had little recourse except to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). There is absolutely ZERO accountability at the at Hyundai Motor Finance ( HMF ) Lease Buyout and Titling departments. Customer Service in the Leasing Finance unit is a disaster. 
I am retired and on XXXX, I had to take money from my retirement account to make the payoff Now I am receiving letters from the company threatening with legal action if I dont return the car immediately.
Product: Payday loan, title loan, or personal loan

i applied for an increase to my home equity. I was told that the title company provided a list of XXXX violations and i must show satisfaction to these XXXX violations in order to proceed with the closing. i pointed out to the bank that the XXXX violations is not a property that i live at, not a property that i own. In addition, i was told by an attorney that if my loan request and if my home is under XXXX XXXX, they can not deny my request due to XXXX violations in the name of a trust. This is not allowed to impact my own home to which i am applying for a line of credit. My own home is not owned BY XXXX XXXX XXXX XXXX see attached. Can you please intercede on my behalf to get my request granted? thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill on time every month with my credit card and I'm set up on automatic payment. However, i recently noticed a late payment on my account. I have tried to get an explanation but have not gotten one and they have not removed the late payment from my report. Please help me in correcting this error. Thank you.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate.

Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Product: Debt or credit management

Someone opened a credit card under my name and it has a balance of {$1200.00} Im in debt because of someone that opended that credit card
Product: Debt collection

Original account XXXX XXXX XXXX Did not disclose Financial Impact notice Did not provide Fiancing agreement. Attempted to collect debt through company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold the debt account 7 years later to AWA COLLECTIONS who also did not provide Financial impact notice, violated CA Civil Code 1799.91, unlawfully increasing account balance monthly as revolving debt. 

My mother was the signer of bail agreement, the debt was not mine. The bail was posted for me. The signer my mother was not given a Financial impact notice CA law requires bail bonds agencies to provide this documentation as per CC 1799.91 I myself, never signed the financing agreement, or gave my information to obtain credit under my name. The debt collection agency AWA COLLECTIONS is illegally attempting to collect this debt from me. I have hired an attorney to proceed with a civil lawsuit.
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Bank of America regarding the unjust closure of my account. Bank of America cited a violation of the account agreement as the reason for termination, which I firmly contest as untrue. 

I have conducted a high volume of transactions, and naturally, occasional disputes arise. However, every claim I filed was done truthfully and transparently, ensuring proper accountability toward the parties involved. I have always managed my account responsibly and in good faith. 

Despite this, Bank of America permanently closed my account without clear justification or an opportunity to address any concerns. When I attempted to resolve the issue, a bank agent accused me of fraud solely due to my dispute history. This accusation was completely false, irresponsible, and discriminatory, as a high transaction volume inevitably comes with occasional disputes. 

I respectfully request that Bank of America review their decision, remove any wrongful reporting to XXXX if applicable, and reinstate my account, as I have always acted in compliance with fair banking practices. 

Thank you for your time and assistance in this matter.
Product: Payday loan, title loan, or personal loan

ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate.

FINANCECHARGE Thedollaramountthe creditwillcostYou.

AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf.

TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 
552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. 

This company needs to be stopped, this is outrageous.
Product: Debt collection

HIPAA Violation!!! I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPAA release form authorizing Transworld System Inc access to my medical records. They should not have access to XXXX XXXX, and Diagnosis Codes pertaining to my medical treatment. Do not keep sending me your generic validation letter! All collections pertaining to this debt needs to be cease and remove from my XXXX, XXXX  and XXXX  credit files immediately. This company is again violating my HIPPA rights as a consumer. I have filed a HIPAA complaint and filed a lawsuit against Transworld with my attorney. Remove this from my credit report now! This matter is not resolved and i will continue to file lawsuits and complaints until this debt is removed!
Product: Debt collection

Spoke with a representative back in late XXXX early XXXX and set up a payment plan, however I was facing financial hardship and wasnt able to make the payment, the representative called me I explained my situation and asked was there something else we could do to start the payments but I wasnt able to make a payment that day she told me well you have other financial obligations you have to tend to as well so how are you going to make a payment today. I said excuse me she repeated herself and said something else I then hung feeling disrespected and mistreated. A few days later another representative called me, he said we see we attempted to collect your payment but however the payment was declined and you are no longer eligible for the payment arrangements so how will you be paying the full amount. I told him I spoke with a representative prior to him calling and I was working on the matter. He cut me off and said well maam you have to make a payment today i dont know who you talked to but a payment needs to made. They call me back to back even if I let them know Im at work call in the morning they get rude, its always they dont have no previous notes, & I got called a liar from a representative telling me how they didnt call me meanwhile I have recent calls from their company number. They even call hang up then call back. How can someone collect a debt or let alone trust giving someone their money when you have customer service representatives that are very unprofessional and aggressive.
Product: Credit card or prepaid card

XXXX XXXX has sent constant voicemails filled with harassment including reaching out to my family members multiple times. The latest voicemail I received a couple of months ago, XXXX XXXX   told me things would get really bad for me if I didnt call them back that day. This has to be illegal.
Product: Money transfer, virtual currency, or money service

I sent a wire with below details and i was told by my bank that this wire was hijacked by hacker the wire i sent that was debited and confirmed by the wire department .... How will a wire be hijacked and the one i  sent after this was successful. 

Chase wire tracking number : XXXX Transaction number : XXXX Wire date XX/XX/2019 Wire amount XXXX USD ( U.S. Dollar )
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with XXXXHARLEY DAVIDSON CR concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
XXXX/HARLEY DAVIDSON CR claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Credit card or prepaid card

I have had Wellsfargo send me notices that I would ne reimbursed for the fraudulent activity that was on my credit card account in which I only received {$900.00} and some change. The total that was stolen from me was {$6000.00} and some change. I am not sure how long this usually takes but this is messing up my perfect credit, and all of these late fees are adding up. 

Remind you I only received {$900.00} and some change towards this outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian failed to practice maximum possible accuracy, The account was reported as late payment, The account was already paid but still reporting as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax and XXXX on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over XXXX  days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, XXXX, Equifax and XXXX have XXXX  days to investigate and send me the results. 

I have all evidence attached below