23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, XXXX XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 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 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXXL ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX  / XXXX XXXX ) XXXX  / XXXX XXXX ) XXXX XXXX XXXX / XXXX XXXX ) XXXX XXXX  / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXXXXXX / XXXX XXXX ) XXXX XXXX XXXX  / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

Disputes were filed with all XXXX credit bureaus on multiple occasions and the credit bureaus never completed a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have leased my car through Hyundai Motor Finance ( since XXXX ) and have never missed a payment or paid late, ever. I knew my lease was up in XXXX, so months in advance XXXX XXXX of XXXX ) I started the work of trying to purchase my vehicle. I spoke to numerous people, car dealerships, etc. with NO luck on this because of " COVID '' ( they said that with COVID they were unable to help me - but it was their job to help me figure out what to do at the end of my lease term regardless of covid, my lease would end ). This alone was a hassle, and Hyundai didn't bother sending me a " what to do at the end of your lease '' packet until AFTER my lease was over. 

I ended up extending my lease for 6 months with Hyundai Motor Finance after trying to get a hold of them SEVERAL times over the course of months. They said everything was good to go, and I could pay my bill monthly as usual until XXXX of XXXX. All I needed to do was sign the " lease extension email. '' I. never. received. the. email. I called several times over the course of months but at one point I was just over it - because why should I have to be the one to take care of this when the company has done NOTHING but been a hassle and has provided absolutely no assistance to me. I kept manually paying my car payment as usual. Finally Hyundai called me in XXXX of XXXX because I never signed the extension ( yeah Hyundai - I know I never signed it - YOU never sent it to me and I was tired of following up about it ). They said " Sorry, looks like we had the wrong email on file. '' They promised to resend it to me. Never received it.

Less than one week later - my car gets repossessed. I can not explain how HEARTBREAKING this was. Never missed a payment. Never paid late. Always a good customer who tried my best to be proactive even though Hyundai Motor Finance was the absolute WORST and XXXX  company I have ever worked with. Because THEY never sent me an email, and kept sending it to Lord knows where on their part, I got punished. Due to their mistake. 

After days and days of phone battles, I convinced Hyundai Motor Finance to give me my car back and pay all of the fees since they were at fault. They agreed. Now I settle on a home THIS WEEK. and Hyundai tells me that even though I did nothing wrong, my credit will automatically be hit for this. I have outstanding credit. Seriously. And because of the fault of this company, my credit that I have worked so hard to keep high, is going to be affected. And there is " nothing '' they can do about it. It is " automatic. '' In the middle of me settling on a home with my fianc that we have worked so incredibly hard for ... ... .. 

I called them and asked them to not let it affect my credit. They said no. I told them I would be reporting them to the CFPB. They said " go ahead. '' So here I am! And to think if they would have just helped me purchase my vehicle back in XXXX - none of this would have happened ...
Product: Money transfer, virtual currency, or money service

I deposited a check from a friend name XXXX, Here is his phone number : ( XXXX ). He asked me to deposited a check that He got from a customer I asked him why can't he deposited the money himself and he said that becuase his bank was in another state. I deposited it and at first when I mobile dospit the check didn't go through. I had to wait a few days for it. after recieving the money he told me that he needed XXXX too pay for some moving expenses and which I did. unknownly a few days later the check was returned back and the bank took the XXXX check back. I was very shock when this occur. I had recently tried to contact this merchant by he didn't answer my call or texts and I saw in the description that the reason for the dospited return checks was because the account was closed. I was a vicitim of fruad and this guy and the person who wrote the check took advantage me and the rest of the funds I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I immediately follow protocol and contacted all three major credit bureaus Experian, XXXX XXXX, and XXXX. I asked to speak directly with the specialized fraud team at XXXX who is handling my case. I spoke to the fraud department at Experian and spoke on XXXX to global consumer, all three credit bureaus completely neglected the fact that Ive been a victim of identity theft, and Ive submitted supporting documentation, proving that I was a victim of identity theft, and that the accounts were open fraudulently underneath my name without my consent nor authorization. I submitted police reports dispute letters. I went to the Federal Trade Commission website I completed an FTC identity theft report, affidavit submitted documentation on numerous occasions, and spoke directly with the credit bureaus. I explained my frustration to them and advise them that I was in fact, a victim of identity theft. I have disputed the fraud information and accounts several times and several occasions. Some accounts indeed were blocked. However, they are now showing back on my credit report. I explain to the credit bureaus why this information was showing on my credit report again? the credit bureaus advised me that the account comes back as verifiable I explain to the credit bureau. Of course the account is going to be Verifiable because whoever stole my identity has my accurate information they have my information and thats how they were able to obtain credit underneath my name because they stole my identity. Unfortunately, credit bureaus were not able to delete these accounts from my credit file damaging my name, credit, worthiness and employment. Not to mention they violating several several FCRA laws I even explain to them that under section 604B of the photo credit reporting act. This information must be blocked within four business days. They have completely dismissed any of my complaints ive lost lots of days out of work being on the phone for hours to get a hold of the specific department sometimes the calls drop this has been a nightmare, and I feel helpless because of the only people that can help me which is the credit bureau has failed to protect me as a consumer, even though I have done my part and have provided supporting documentation as per requested, proving that a fact, Ive been a victim of identity theft, and the credit bureaus have failed to do proper investigations and validation of these accounts and result, theyre still on my credit report, and I am demanding for them to be removed immediately. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$75000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$81000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX  ( XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX BALANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has marked my credit report as delinquent, yet their site shows payments every month. I was misled by their site and feel that their site is misleading and deceives you into believing you are current.
Product: Mortgage

We continue to receive in written form contradictory threats and actions both confirming our payments and compliance and denying such! Hence this bank now advises they are initiating foreclosure on a "missed" payment that was actually in the bank at XXXX XXXX  XX/XX/2017 as confirmed by the US Postal Service! Furthermore their own Disaster Forbearance dept.acknowledges the prior payment errors. Confirming information sent to the OCC and them for this purpose We find their actions alarming and no excuse that one department does not know what the other is doing. This is perceived as a deliberate attempt to secure a rewrite of the mortgage and place better terms more favorable to the upon us, or foreclose to take the home when we are by fact UP to Date!. We are at the mercy of either incapable people or plain frauds? They have been paid according to the initial agreement as defined and THEY have altered the repayment days themselves. All of this in writing and on their letterhead which I am holding for legal review if required.  You can certainly request copies of all correspondence! Copies if all payment's sent to the USbank Disaster Team and the OCC with documentation of delivery receipt and posting!
Product: Debt collection

XXXX has purchased an account that has been discharged in my Chapter XXXX Bankruptcy Filing dated XXXX/XXXX/2012 XXXX Exhibit # XXXX XXXX. The original account was by Chase XXXX ACCT # **************** ). XXXX is reporting inaccurate information to all credit reporting agencies which is in violation of federal law and the fair credit reporting act. I tried written to all reporting agencies in an effort to have this false information removed, but have been unsuccessful ( Exhibit # XXXX XXXX.
Product: Mortgage

My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances. 
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue. 
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ). 
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it. 
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used car from a dealership using Bank of America XXXX XXXX XXXX. On XX/XX/XXXX I received a letter the the loan and payment information. Then on XX/XX/XXXX I received a second letter with the same information ( loan amount and VIN number ) but a new loan number. I talked to the bank and they said the first loan was in error and was going to be removed and not to make payments on the first loan as it was going to be removed. I have talked to the bank every week and I get the same answer, it's in the process of being removed. I the meantime I have received late notices for two outstanding payments even though they said the credit department would not send late notices while they were fixing the problem. My credit score has fallen XXXX points. Today XX/XX/XXXX I was again on the phone with the bank and again I am just getting the run down.
Product: Debt collection

They claim that I own money for some apartment lease in Texas wich Im never been that lease was opened fraudulent they they send the debt to collections and they affected me hurting my score and not able to qualify to a mortgage for them I try to talk the credit bursbut they didnt listened to me
Product: Debt collection

I have a few addresses listed inaccurately, so when the company of which I owe the debt to attempted to contact me they were unable to due to the fact of having inaccurate information inturn the debt was sold off to a collection agencys I also was exonerated on the bail by the judge so the only fee I should owe the bail company is the process fee not the the amount being portrayed
Product: Debt collection

I contacted capio partners collections due to receiving a email regarding a change tonmy credit report. It stated I was hit with a medical bill of XXXX from XX/XX/XXXX I contacted the collection agency right away. The first agent I spoke with they attempted contact by mail and email and was not credit reported yet. I advise the agent it was reported and that is how I found out. The number on file was never my telephone number and the address they used is a very old address from XXXX. I was never notified of the debt as the insurance is under my child father and lives in a different state so I would not receive the bills. I contacted the hospital and agency to request record of hospital documents from that day as it would have my updated correct information. If the hospital and agency would have reviewed the documents from the debt they are stating I owe. I would of been contacted and the debt would of been dissolved and would not of effected my credit report. The agency refused to place it ima. Dispute status. I had to do this my self. I want this removed immediately as I was not notified to allow the opportunity to resolve the debt. If it not removed and settled with me correctly I will file legal action.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge off Account Under the Fair Debt Collection Practices Act ( FDCPA ) in MD, the Internal Revenue Code Section1099-C & 15 U.S. C. 1681 ( e ) Dear XXXX XXXX I am writing to formally dispute the debt collection of this Charge off account [ XXXX ]. I have this debt being reported on my consumer report. This debt is reported as a Charge off and under IRS code 1099-C once a debt is charged off its considered income and can not be considered a debt. Also according to MD Law under the Fair Debt Collection Practices Act ( FDCPA ) ( a ) Within 5 days of the debt collectors first contact, he or she must send you a written validation notice telling you the amount of money you owe, the creditor to whom you owe the money, and what to do if you believe there was a mistake and you dont owe the money. I did not receive a notice from XXXX XXXX with this information. Additionally, under Code 1099-C, creditors are obligated to issue a Form 1099-C when they cancel or discharge a debt of { {$600.00} } or more. Lastly per U S C 1681 ( e ) ( b ) Disputing Capital One 's reporting using 15 U.S.C. 1681 ( e ) ( b ) necessitates a careful examination of the reported information. The provided details reveal discrepancies across the three major credit bureaus, Equifax, XXXX, and XXXX, regarding the date account was opened, reported, last activity, last payment and payment history. While the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting, inconsistencies such as differing payment history raise questions about the accuracy and completeness of the reported data. Furthermore, discrepancies in balance information & date last verified among the bureaus undermine the reliability of the reported data. Therefore, under 15 U.S.C. 1681 ( e ) ( b ), XXXX XXXX did not provide accurate information to ensure compliance with FCRA standards and to safeguard my consumer credit rights. I have attached my consumer report dated XX/XX/year>. There are many inaccuracies such as the OPENING DATE OF THE CARD, THE LAST REPORT DATE, DATE OF LAST ACTIVE, LAST DATE VERIFIED, DATE OF LAST PAYMENT, HIGH BALANCE, & PAYMENT HISTORY these things are inaccurate across all three consumer reports. I am disputing the validity of the debt on my consumer report due to lack of validation of debt according to XXXX  XXXX Federal Debt Collection Practices Act ( FDCPA ), inaccuracies on my consumer report according to 15 U.S.C 1681 ( e ), & the Internal Revenue Code Section 1099-C, once a debt is charged off its considered income and can not be considered a debt. As a consumer, I have the right to receive accurate and comprehensive information about any alleged debt. Given the aforementioned reasons, I demand a deletion/removal of this account [ XXXX ] immediately with XXXX XXXX violating XXXX violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRIES To Whom It May Concern, This is a formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, which clearly states that a consumer reporting agency may only furnish a consumer report for permissible purposes explicitly authorized by the consumer. After reviewing my credit report, I have identified several hard inquiries that were made without my authorization or a valid permissible purpose. 

I did not initiate or authorize these inquiries, nor did I provide written consent as required by law. If the inquiring party claims to have obtained my consent, I demand immediate proof in the form of a signed application or contract authorizing the inquiry.

Failure to provide proof of my authorization would mean these inquiries were conducted in violation of : 15 U.S. Code 1681b No permissible purpose 15 U.S. Code 1681n Willful noncompliance, subjecting violators to statutory damages 15 U.S. Code 1681o Negligent noncompliance, subjecting violators to actual damages 15 U.S. Code 1681i Failure to investigate disputed information Because these inquiries negatively impact my creditworthiness, I am demanding their immediate removal from my credit file. If this matter is not resolved within 15 days, I will have no choice but to escalate this matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office
Pursuing legal action against both the credit bureau and the furnisher of the inaccurate information This letter serves as official notice under federal law. I expect a prompt response confirming deletion of these inquiries from my credit report. 

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