23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Hyundai Finance update my credit report and only report a correct, accurate, and true balance statement.
Product: Debt collection

XXXX The Right To Recession I'm a Consumer XXXX XXXX a natural person ; I sent a Right to Recession Notice to Belmont Finance on XX/XX/2022. On their contract there was no disclosure of my right to recession and i would like to excercise my right. 

Any Transaction Full Disclosure 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.

( ii ) The consumer 's right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 


( XXXX ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. 

( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).

So I never got a full disclosure and I have a three year period to rescind. Material Disclosures 1026.6, full disclosure the finance charge which pays the debt 1026.32 ( c )
Product: Credit reporting or other personal consumer reports

Transunion has been provided with information regarding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. They continue to report inaccurate information on my report. They stated it proof of debt was verified. However, that would be impossible ; I sent them copies of all evidence that it is not accurate including proof of when my lease ended, what my move-out report said, emails between myself and the original leasing agents, and a copy of the date my new lease started. Both companies are deceptive in their reporting and have not done their due diligence in resolving the legitimacy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to XXXX and Experian to report that this matter was STILL on my report in XXXX which I created a dispute. XXXX turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called Experian asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to Experian and they referred me to your website for help. Experian agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?
Product: Debt collection

Case filed in XXXX  by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in XXXX. I'm not a resident of XXXX  and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in XXXX. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( XXXX ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX-XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. XXXX XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. XXXX and Transunion. 

XXXX XXXX XXXX XXXX {$460.00} XXXX They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to XXXX, Transunion should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to XXXX per the XXXX XXXX XXXX, FTC and should be removed. XXXX XXXX and Transunion both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.
Product: Prepaid card

I received a {$59.00} rebate card from XXXX on XX/XX/XXXX. It is a prepaid American Express Rewards Card. On the card agreement, it said " a {$2.00} monthly fee will be accessed against the card balance 5 months after Card Issuance ''. In order to avoid the service fee, I tried to use the card today ( XX/XX/XXXX, a week before XX/XX/XXXX ) for a {$59.00} online transaction and the transaction was declined. After talking to American Express card service, I was told a {$2.00} fee was deducted from the account on XX/XX/XXXX because the card issuance date was XX/XX/XXXX. Also American Express refused to refund the {$2.00} fee. 

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.
Product: Credit card

To Apply XXXX Credit to Account XXXX On XX/XX/2023, XXXX fraudulent charges ( XXXX for {$240.00} to XXXX, and XXXX for {$190.00} to Sanesolution ) totaling {$440.00} were made on our XXXX credit card. On XX/XX/XXXX The company ( XXXX ) resolved the dispute in our favor and credited our XXXX account. ( However, the XXXX account was deactivated due to the XXXX case ) so our new account XXXX still shows that fraud charge. We have been trying since XX/XX/XXXX to have the fraud charges removed from our XXXX account and was told that we would see the correction in the XX/XX/2023 statement. However the charge was still there. We were told they would request an investigation to correct the problem, but someone forget to include all the previous history, so the charge is still there. We have contacted them several since, with no result. Finally we were told on XX/XX/XXXX that the credit would be applied in XXXX to XXXX business days. However, not only did they not credit the account, they also added interest on the fraud charge. Please, help us resolve this matter as soon as possible. Thank You! Thank You!! Thank you!!!
Product: Credit reporting or other personal consumer reports

I did not apply nor receive a store card from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX This Inquiry was done without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Product: Checking or savings account

I am filing a compliant with the CFPB regarding my capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronics funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. thank you
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Product: Credit reporting, credit repair services, or other personal consumer reports

Several credit reporting agencies are not able to monitor/ access my Equifax credit reports and score. The agencies attempt have been made and unsuccessful were XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I have contacted Equifax via phone and letters. I received a response back on XXXX/XXXX/2017 indicating my credit file with Equifax could not be located ; however I have made several calls to Equifax and verified all information during game calls and no explanation could be given why credit was not updating nor reporting. I received a letter on XXXX XXXX, 2017 stating my name and email and address are reporting correctly.
Product: Mortgage

My mortgage payment adjusted in XXXX of this year to account for taxes and escrow, and the documentation received stated that if my account automatically debits that I did not have to make any changes, so I did not. I was prepared for the adjusted amount to be debited from my account in XXXX based on this, and make no changes to my account. When the XXXX mortgage was drawn, it did not debit the updated amount, it debited the original amount and after that I received a letter from PNC stating that failure to meet the full payment in the future would be met with fees. Confused as I followed the provided instructions I called PNC and was told that the account does NOT update based on the form I completed and that I would have to manually update the payment - so I did as instructed and adjusted the amount to reflect the new payment amount despite the language used that stated I did NOT have to make any updates. 

My XXXX payment was just drawn, and the payment amount was updated to the new amount as well as the adjusted amount I was told I had to do manually. I called PNC again and was then told that not only did I have to adjust the amount, I also had to go back in and remove the additional adjusted amount I added. None of this was explained to me during my initial call to investigate why the wrong amount was debited. 

The language used throughout this entire process is intentionally vague and misleading, and representatives of PNC provide you with contradicting information. What is defined as an automated debit versus XXXX, and why is that not made extremely clear on all documentation provided to customers including information on payments being adjusted for taxes and escrow. I believe PNC does this as a predatory practice to draw additional fees from unsuspecting customers or customers who do not understand the intentionally misleading language used.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts on my credit report due to a data breach that has compromised my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed to protect my credit report from the impact of unauthorized accounts. 
Details of the Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I signed up for AMEX XXXX XXXX that gives money back every time you dine at a restaurant around XX/XX/2019. I already had 2 other AMEX cards, where I made payments on time, but still carried a balance. 

When I went to apply for this card, there was never any mention this was a charge back card, and if there was, I understood charge back meant that I would get some of the money back into the card. That is how I interpreted it. For those of us whose primary language is not English, you can see why we would take that translation literal. 
I signed up for this card, and I tried to meet the minimum required to get the points they were going to award after making the purchases, and I was making my payments as usual. 

Then around XX/XX/2019, I noticed AMEX was calling me incessantly, and sending me emails, saying my payment had not yet arrived - which never did happen because all my payments had always been on time. I then called them, and they basically harassed me on the phone stating I needed to make the payment in full. I explained I did not understand why did I have to make the payment in full when all my other cards I could carry a balance ; the customer service representative chastised me for not knowing better when I signed up for the card, that it was all there in the fine print, and if I didn't read it, they couldn't really help it. 

She then convinced me to do a payment plan - where I would be able to make all my payments on time, and it wouldn't affect my credit, and I would have no penalty. I agreed. She then told me she was going to freeze not only that particular card, but all of the other cards. I inquired why would my cards that had nothing to do with this one had to frozen, and she cited policy. 
I have since then making my payments on time without an issue. 

This month, XX/XX/2019, however, I went to check my credit score and noticed that AMEX had decreased my limit so  significantly that it caused my XXXX XXXX to drop XXXX points. I called them upset because had I know about this, I wouldn't have signed up for this. They said they can not make any corrections to my credit, and that they are pretty sure that was divulged to me when I opted to do the payment plan. I wasn't really given the option to " opt '' into anything, I was basically harassed to do it, and they would not work with me. 

I feel completely lied to and not taken care by AMEX, given that I have been a loyal customer. They certainly seem to use the fish-and-bait tactics to lure customers into signing up for their credit cards without disclosing in proper size letter that this is a charge card ; and what is a charge card? A card that it is different from a credit card, and that you must pay for its balance in full monthly. 

I talked to other friends who also obtained the same card, and they also stated they had no idea this was a charge card, so clearly I am not the only one here. 

The credit score drop has and will impact my ability to remain employed, obtain credit and so forth.
Product: Credit card or prepaid card

Hello, I am experiencing a nightmare with Chase Cardmember Services. Background : My Chase Sapphire Credit card ( former acct # ending XXXX ) had a high balance and was closed about two years ago and I entered into a repayment plan. In XXXX I called Customer service and held the line for a payoff quote and set up a checking account draft for the balance which was approximately {$7000.00}. I also took the time to provide the Agent with my correct phone and mailing address which had changed since the card account had been closed for repayment. This had never caused an issue because I had set up auto draft for on time payments the entire 2 years. In XXXX I discovered there was some fee or balance on the closed paid account for about {$40.00}. and I again took the time to call into Chase Customer Service. After several transfers and verifying my account over and over, the one Agent informed me Chase had generated interest after the payoff but they saw it was an honest mistake and considering my payment history said they would waive the {$40.00} as a courtesy. I did not think more of until I decided I would reward myself my paying off all of my debt and buying a new home. I attempted to prequalify for a mortgage loan on XX/XX/2022 and the Loan Officer told me that I had a JP Morgan Chase account seriously delinquent and my XXXX score which had been greater than XXXX was now a XXXX and I no longer qualified for the best home loan rate. I was ripped apart by this that Saturday and Chase phone system was down and I could not get through. Then Chase was closed on the 9th and I began calling on Monday the XXXX. It took 3 calls, verifying my account with XXXX XXXX XXXX Employees attempting to transfer me to a Supervisor with the call dropping each time before I finally get a Supervisor to help and transfer me where they reviewed the call log and notes and saw I had called on XX/XX/XXXX but they said the call was disconnected and the Agent must not have followed through with the request. The Supervisor again said she would remove the {$40.00} fees and to call back in 2-3 business days and perhaps I would need to talk to their credit reporting team. I called back tonight, transferred around finally to Credit and they said there was nothing they could do about this late payment on a fully paid closed account. Please contact Chase, investigate and add my name to a database for the class action lawsuit they will most certainly have coming their way if they treat their Customers this way. I do not know if I can buy this home now over {$40.00}. I am devastated. Thanks for your help.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach. Shortly after, someone tried purchasing a vehicle using my identity. 

I froze all 3 of my credit reports to prevent further attempts. My fianc and I are in the process of purchasing a home, so I unlocked XXXX, and XXXX over the phone and it took all but 5 minutes. 

My Experian account was hacked, so I can not unfreeze my Experian file which our lender needs. Experian requested supporting documentation to prove my identity which we faxed to them. They claim they never received it. 
When we call to speak to them on the phone, we are transferred department to department, until they end up hanging up on us. This is getting extremely frustrating as this is going to cost us the sale of our first home. 

Regarding a resolution, we need my credit file unfrozen immediately, so we can proceed in purchasing this home.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX in XX/XX/XXXX with a legal/lawful notice that they are making ultra-vires actions, violating my consumer rights and right to privacy, reporting my personal private transaction history without my written consent per 15 USC 1681 604 A. 
Letting the know they are in violation of the Privacy Act of 1974. Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned. Also, other violations such as : 15 USC 1681 Section 602 A, The Frank-Dodd Act, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681c ( A ) ( 2 ) ( A ) ( i ), 15 USC 6802, The FACT Act section 623 ( a ) ( 7 ). Also, violation of due process, trespass & defamation of character. 
Emotional distress and discriminatory denial of credit causing irreparable harm and hardship. 
They denied my request. 
I invoiced them for {$10000.00} for their violations and causing injury to me. My request was ignored.