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

I am currently leasing a XXXX XXXX XXXX vehicle financed through Hyundai Motor Finance ( HMF ). I want to buy out my lease according to my lease contract, however the payoff generated through their website is attempting to charge me sales tax despite electric vehicles being exempt from New Jersey state sales tax. I did not pay any sales tax to the dealership and businesses are barred from collecting sales tax on certain vehicles ( this one included ) sold in New Jersey. 

I spoke with HMF on Monday ( XX/XX/XXXX ) and explained the law and that the vehicle was exempt from sales tax and they told me there was no way for me to buy out the lease without paying sales tax. I called back again on XX/XX/XXXX and spoke to another agent who asked me to forward documentation from New Jersey explaining the vehicle was exempt. On XX/XX/XXXX, I faxed them NJ form XXXX ( https : XXXX ) and a registration and titling document that I retrieved from the dealership, showing that no sales tax was paid and that it was exempt. 

I called HMF again today ( XX/XX/XXXX ) as I have not received a correct payoff information and I was told there was no way for them to generate a payoff form without sales tax and that if I wanted to not pay sales tax I would have to go through a dealership. However, no dealership is willing to assist me in buying the car without charging additional fees not stated in my original contract.
Product: Credit card or prepaid card

On XX/XX/2022 I notified Capital One via telephone and their Web site that my XXXX account ending in XXXX was being used to attempt 2 fraudulent purchases at Walmart. The Capital One agent advised me that they had also observed an attempted fraudulent purchase at Saks Fifth Avenue. Capital One told me they would close the account and issue a new card and mail same to me. Less than one hour later on the same day, I logged into my Capital One online account, noticed that Capital One had already issued a new XXXX account number ending in XXXX. There was already a fraudulent charge on the brand new replacement account number, for {$100.00} at XXXX. I called CapitalOne again to report the new fraud. The representative first told me to call XXXX, and I told him that I did not even have possession of the new account number, let alone the card, and could not have made a transaction. I asked that the pending transaction be immediately declined. The representative and his supervisor both refused to immediately decline the pending transaction, even though I was reporting it fraudulent. Supervisor said she would cancel the replacement card and issue another one ( second fraud replacement in one hour ). I asked how Capital One would guarantee the security of the second replacement since the first replacement was compromised within thirty minutes ; she could offer no answer. At this point I requested the supervisor close my credit card account in its entirety, since I can not trust the card issuer to maintain the integrity of their account holder 's personal information. I still do not know when or if Capital One will reverse the fraudulent XXXX charge on the " replacement '' account XXXX.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXT XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo closed my account and told me I had fees but still send me statements
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX  ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance XXXX {$2900.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up at TransUnion. There was no obvious indication that the membership would apply fees. So I was charged by XXXX. I found it in one hour and cancelled immediately but they insisted on the membership until XX/XX/XXXX and charging me one-month fee. I think its not reasonable and claim my money back and end the membership now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XXXX XXXX and have yet to hear anything regarding validation.
Product: Debt collection

i do not recognize this account and i have made many complaints through CFPB and the credit agencies fail to remove it from my credit report, i request that it be deleted because it does not allow me to make progress on my credit since it was marked as bad debt. 

ACCOUNT : XXXX - XXXX
Product: Debt collection

This is the second time this law firm has tried to collect a debt on an account that that was opened with my stolen XXXX. I received a letter today stating I owe {$550.00} for an utility account with city of XXXX XXXX. 

Actions taken : XXXX XXXX XXXX received letter stating i owe this debt a. The debt has driver 's license number XXXX- this in not my driver 's licesne number. 
2. Sent letter disputing it to firm 3. Filed complaint with FTC 4. Filed complaint with CFPB This law firm is well aware my identity has been stolen and that I have never lived in Texas. I have never opened any accounts in Texas. I have already opened a complaint with this bureau for another fraudulent account this firm is trying to collect on. In fact, they send all the requests for payment to my Ohio address, where it is easily verified that I have lived for nearly 20 years. I have been employed by the same company with an XXXX XXXX XXXX XXXX  for 20 years. I can produce an Ohio driver 's license. I can prove I live in XXXX, Ohio. 

This law firm can not and will not ever prove that I have ever lived or signed any agreemnt in XXXX XXXX or any other XXXX XXXX  because someone else did this. Yet somehow, they continue to pursue collectionst me.
Product: Mortgage

I have 2 residential loans with Truist for the same exact amount, same interest rate, and granted at the same moment in time. They each are secured by each side of a duplex at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. For 18 years the payment amounts were exactly the same. ******But with the latest interest rate change the payment amounts are different by XXXX cent. When I called to find out why, the Truist mortgage person said that loan ending XXXX was slightly higher because it had had an insurance policy forced slammed against it for a short time before it was removed. I corrected that issue with a prior CFPB complaint XXXX, but apparently there is a computer error in determining the monthly payment of the loan ending XXXX. ****This needs to be corrected so that both loans are exactly the same, and the payment is exactly the same. If I didn't have exact loans, I would not have known that Truist was overcharging me. Truist might be doing the same thing to thousands of its other borrowers. Here are the loan numbers, the balance as of XXXX and the monthly payment by auto draft : loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. The other loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. ****I realize that XXXX XXXX seems like a trifle but I'm concerned that a computer determining payments for identical loans reaches 2 separate amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting or other personal consumer reports

Credit card company balance is incorrect and marked account as late
Product: Mortgage

We recently bought a new house and our loan was bought by several companies before staying with Selene finance. We paid our first payment ( XXXX ) via check. It was made out to Selene and they cashed it and it cleared our bank. When we went to set up our online profile on their website a month later it had said that we didn't pay for the month of XXXX. When we called them to find out what happened to the XXXX payment we were told that it was " reversed '' ( they couldn't tell us who reversed it or why ). We never got our payment refunded to our bank though. We have called dozens of times and each time we have gotten different answers on why it was reversed and why we didn't get our money refunded. Reasons varied from the payment was for a month prior to us buying the house, the routing number on the check was hard to read, they didn't even see the check and they didn't know why it was reversed and one time they just hung up without ever calling back. We were also told that we made it out to the previous lender but we sent them a copy of the cleared check showing it was made out to Selene finance. They had stamped the back and cashed it. Every time we talked to someone they said they'd find out and call us back. No one ever called back. After several calls they said they would look into it. Shortly after that we received a letter saying that they would investigate over the next 30 days and they wouldn't report any detrimental info to the credit agencies. The 30 days is almost up and no one has called. After we called several more times they have not gotten any info on what is happening. We were not allowed to pay our XXXX payment because the system wouldn't let us without repaying for XXXX. Recently we received certified mail stating that we were in default for failure to pay. We called and got in touch with the supervisor XXXX who said he'd look into it and get to the bottom of it and call us back. That was several days ago. I called again and was told that the default was still in effect but after everything is sorted out it should all fix itself and fall into place. They could not give me a time frame on when it would be figured out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the three credit bureaus inconsistencies ' on my reports and noone replies. My ex was in charge of some of the debts on my credit and they will not remove : XXXX XXXX XXXX - was given to my ex to be responsible for in the divorce XXXX XXXX - I did NOT settle or get my car impounded so I am unsure why they are saying I owe XXXX? 
Why does XXXX show " two '' accounts? 
XXXX XXXX - XXXX Last updated XX/XX/2022- this was paid! 
XXXX - XXXX Last updated XX/XX/2022 - what activity happened in XXXX? I don't have XXXX???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing four seperate accounts with Early Warning Systems since XX/XX/2019. The accounts are XXXX XXXX  XXXX, XXXX & XXXX and XXXX XXXX. I have gotten told to resend the disputes individually by each account and resend and oh we didn ; t get that one dispute. I call and call and call and I get I don't and I don't care to look back in the past to see why we haven't initiated a dispute, or your just not understanding what is coming out of my mouth, or that we do things differently here and you have abide by what are requirements are. I have disputed these accounts as fraud. Sending over to Early Warning Systems are Notarized FTC Affidavit and police report which is supposed to be immediately blocking of the reported information and removal from my consumer report. No thats not what is happening. I am being told to wait 30-45 days until an investigation is completed and it will be and only be removed with the bank tells them too.
Product: Checking or savings account

I never received a physical debit card from this company but I did have a virtual card. 
My phone was stolen then replaced. 

I noticed several fraudulent transactions. I have attached the claim forms for review. 

Im owed {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

Ironically, I have had the {$200.00} Open Sky ( Secured XXXX card since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Product: Student loan

I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.
Product: Vehicle loan or lease

encountered late payments because of the COVID-19 pandemic. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have a 'Blue Sky ' credit card with American Express . On XXXX XX/XX/2019 I received a letter from American Express ( attached ) stating that they were reducing my credit limit on the account by 50 % to {$12000.00}. The grounds they gave for this decision in the letter was : 'There has been minimal activity on your account in the last twelve months. ' This statement is false, as examination of my account records over the past several years indicates.

I have had an account with American Express for several decades. Over the entire period I have always observed all rules and conditions related to the account. I have always paid my account balance in full each month. I have never chosen to use the account to run an ongoing credit balance, i.e. to borrow from them over time.

There is no valid justification for their taking this action against me. I have to conclude that they are intentionally discriminating against me for one of two reasons : ( 1 ) they recently tried to 'upsell ' me to accept a different card product from them, which I chose to decline ; or ( 2 ) over the past year, for the first time since I have had the account, I had to challenge charges on my account made by retailers. Each of the 3 challenges was for different, unrelated reasons. None was for larger than {$45.00}.

When I attempted to get American Express to right this error, they told me that in order even to begin a process to restore the prior credit limit, they would demand from me a large amount of additional information about my personal financial status. I consider that to be an unreasonable and inappropriate request, given my credit history with the account. For the record, I have never come close to spending up to the original credit limit. I object to their action because it is based on a false claim and because it is a hostile act against a long standing, reliable customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a credit reporting product from EXPERIAN called credit check total. There was a {$1.00} fee which I accepted. Then AFTER signing up they informed me that after 7 days I would be billed monthly beginning on XXXX/XXXX/XXXX at {$29.00}. On the account itself they provided no convenient means of cancellation. They require you to call a number. The problem is that each time when I called yesterday I was told I would have to wait AT LEAST 1.5 hours to 1.75 hours to speak with a person about cancellation. I do n't have 1.5 at least 1.5 hours to sit around waiting to ask them to not renew my membership. So, yesterday I sent them an e-mail to XXXXXXXXXXXX with my membership information and requested that they cancel my membership immediately. Instead, this morning they charged me {$29.00}. I then attempted to call them to dispute the matter. The system said I would have to wait AT LEAST 30 mins. I thought at least I can make breakfast and do some chores while I wait. I waited for over 1.5 hours before hanging up! The goal of the whole practice of making you call seems to be to allow them to renew your subscription indefinitely because at this point I 'm not sure anyone actually answers their " customer care '' line.