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

Respected Sir/Madam, I am facing problems with my lending company, i.e Hyundai Motor Finance, who is not treating me fairly.

In a nutshell, I paid a tax of {$350.00} ( within 30 days of receiving the bill ), where my liability was just {$59.00}.

The lending company is not issuing me any refund for taxes, and they are not correcting my credit report which has a negative remark of account due for 120+ days. 

In XX/XX/XXXX, The lending company received property tax bill of {$350.00} from my county ( XXXX, CT ) from XX/XX/XXXX - XX/XX/XXXX. 
I had already returned my vehicle on XXXX XXXX, therefore the assessment needed a correction. When I contacted the tax assessor of my town, officer mentioned that my liability would only be {$59.00}, but the leasing company should contact the office and get it corrected, because their office bills the leasing company directly, in case of leased vehicles. 

Even though I made the complete payment of {$350.00} to my leasing company on XX/XX/XXXX, in approximately 30 days from receipt of tax bill, the leasing company reported a negative remark on my credit report stating that the account is due for more than 120 days. 

When I contacted Hyundai motor finance, on XX/XX/XXXX, they mentioned that they will correct my credit report by removing allegedly late payment but they never did. 
They also told me that they will request my town 's tax collector and initiate a tax abatement process, but they never did and I did not get any response to my 2 emails, trying to inquire about my tax abatement status.

Please help me in this matter, I am attaching my tax assessor email, that describes that my liability is only {$59.00}. I am also attaching the screenshot of the negative remark on my credit report, due to this tax bill. 

Account number with hyundayi motor finance : XXXX Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from Experian, XXXX, and XXXX for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.
Product: Money transfers

AD for a car on craigslist for XXXX. Contacted them about the car the dealer said to give address so he can contact the XXXX dealer and the XXXX dealer contacted me and gave me the steps to make the payment through money gram. I did. A day later I found out it was a scam. When I asked them for my money back they refused and continued to say that the car will be here today and there has n't been a car delivered here. The dealer also said he was a soldier and he needed to sell the car quick
Product: Checking or savings account

I have opened the account with US bank in month XXXX. I have direct deposit with in 30 days. It is being more than 6 month, i didnt receive the bonus of {$400.00}. 
I went to bank to resolve the issue and they said that they will get back to me. But, i didnot receive any call from them.
Product: Credit reporting or other personal consumer reports

sent the following correspondence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXX, TX. XXXX RE : REINVESTIGATION OF PROFILE 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. 
Personal Information # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Personal Information : # XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( A ) ( 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. 
Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report with the account number XXXX listing Santander as the creditor. Furthermore, the account lists me as a joint person on the account, but I have no recollection of having a business relationship with Santander. The account status says that it is charged off, but there was never a XXXX form sent to me and according to the IRS this can be deemed as illegal tax violation, and I am liable to file form XXXX against your company. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. I am also requesting the XXXX form that I never received as well as the original contract agreement with my name. Remove this account while this investigation is pending because your information is not credible, and this can and will be labeled as gross misconduct and defamation of character.
Product: Vehicle loan or lease

Although I make my payments timely, they are continually reporting my payments as late when, in fact, I pay them before they are actually due.
Product: Debt collection

On XX/XX/2018 I paid a collection count in Full with Conns Home plus LLC They started stating on my credit report did not pay account in full I made a settlement offer. I filed a complaint with the XXXX  they rectified the situation and sent me a copy of my contract stamped paid full. Recently I noticed they are once again reporting settled for less than {$2000.00} of what I paid {$3100.00}
Product: Debt collection

XX/XX/2015 {$820.00} Ive tried serval times to dispute this because it was an unauthorized & I have no knowledge on where this account comes from I tried calling and nobody can tell me where this acount came from this was open fraudulently under the FCRA its disclosed that an unauthorized account be removed immediately Im un aware of this credit card
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian, XXXX and XXXX on XX/XX/2024. today I received an email fro Experian that it will take 30 days more to get the result of my disputes. according to the Fair Credit Reporting Act, they have to respond within 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was alerted XXXX that there were suspicious charges on a business debit card/account. Upon receiving this information I looked into all my other accounts to see if anything else had been compromised. The only other affected account was a credit account through USAA that I had opened but never utilized and that still had a card that had never been activated or used anywhere. The account/card was added to a mobile wallet and the charge was for a high speed rail ticket in XXXX for {$49.00} on XXXX, nearly 5 months prior to my initial alert from USAA. I was never notified of this suspicious activity or charge. I contacted the fraud department on XXXX to address all issues for both accounts. I asked the representative how the information for the unused credit account could have made it into the " wild '' and if there was a breach within USAA since I was only having issues with this institution. The rep stated there was no way to know any details and that I should refrain from using bank issued cards online. 
Several months later while looking into another issue with USAA I came across posts/news stating that there had been a poorly handled breach at the bank that lasted 7 months from XXXX to XXXX. The breach included customers names, address, phone numbers, email address, date of birth, marital status, gender, drivers license number, last four digits of Social Security numbers, bank account numbers, including debit and credit card numbers, and PIN used to authenticate a member when they call USAA. 
I was never notified of this breach and have strong reason to believe it was related to the 7 month breach listed above mainly due to timing and the fact that it involved an account that had never been used in any capacity outside of the institution.
Product: Mortgage

On XX/XX/XXXX my mortgage was transferred from XXXXXXXX XXXX company to Shellpoint mortgage servicing. When I refinanced my loan from XXXX to Shell point through my lender, I was obligated to pay all taxes, interest, principle and insurance upfront for the year of XXXX. My first payment to Shell point mortgage servicing was on XX/XX/XXXX. I called to inquire on XX/XX/XXXX about the escrow being removed, as it has already been paid upfront at closing. I didnt receive a straight answer so I then called again on XX/XX/XXXX. The woman that I spoke with told me they withhold the escrow from the consumer for up to XXXX years, and my only option was a handwritten letter with all the information regarding the loan and the escrow being removed with my signature, and that I would have to take a picture of the letter and send it to XXXX. I did as instructed and tried multiple times and got an automated email back saying the delivery was incomplete. She told me this was the only way I would be able to have a chance but she doubted it at getting this escrow removal resolved. Ive gotten nowhere with this issue and I would like it resolved. I feel as though they are are pushing me off and disregarding my requests and giving me incorrect information and incorrect email accounts on their end. Ive never heard or had this problem with any other mortgage company and I work with many, as I have multiple properties with residential and commercial loans.
Product: Debt collection

On XXXX XXXX my husband got a phone call from XXXX XXXX with Credit Center LLC. She stated there were several outstanding balances for him and XXXX of our children with XXXX XXXX. He asked if she could send documentation and her response was weve already sent out bills, were not sending them again. She asked for a credit card to pay the balance of f almost {$200.00}. My husband told her he would speak to me to see if these bills had been paid. I then called and spoke to XXXX XXXX. I also asked her to send documentation and was told the same thing. I asked her if she was familiar with FDCPA and asked for a supervisor. Her supervisor, XXXX was unavailable, but she would ask her to call me. I am still waiting for that return phone call. I have not received any bills or documentation from either Credit center LLC or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with 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. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX : {$19.00}
Product: Debt collection

Ive discovered unauthorized entries On my credit report that werent initiated by me, indicating potential fraudulent activity. 

Accounts : XXXX XXXX XXXX XXXX Kimball Tirey & St. John XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Regarding FHA Loan of XXXX XXXX XXXX # XXXX, we are requesting a Federal Adjudication on the matter suggested issues and the legitimacy of their documentation presented and failure to supervise. From previously submitted letters and the many infractions that JP Morgan has committed, this letter is intended to respond to the letter dated XXXX XXXX, 2016 merely enumerate the instances that involves, specifically a failure to supervise.
Product: Checking or savings account

Set up external transfers in my checking account and initiated a transfer of {$25000.00} from another institution on XX/XX/21. Funds were supposed to be available on XX/XX/21. Chase suspended the transfer without notifying me. Chase will provide no information as to why the transfer has been suspended. Chase toll-free customer service, which has unacceptably long hold times, has no information on this suspense. " Due to COVID, '' Chase does not answer the telephone at the number provided to call XXXX opt # 3 that supposedly does have information. Customer is left helpless with no answers including no answers as to why the account was suspended, no answers as to the time frame of the suspension, no answer as to the process required to lift the suspension, and no answers on how to avoid an account suspension in the future.
Product: Checking or savings account

My husband bought a CD for {$100000.00}. in XX/XX/XXXX from Capital One Bank. The money was transferred first from XXXX XXXX from a joint account, then to XXXX XXXX from a joint account that was set up under a Living Trust, and then to Capital One Bank in a joint savings account. He then bought another XXXX for {$100000.00} in XX/XX/XXXX. He had thought that since it originated from the " Capital One 360 Performance Savings Account '', that the " Capital One 360 Performance CD '' was covered because my name was on the joint account, and it would be redirected back in there at maturity. He had XXXX XXXX and was doing XXXX XXXX and never saw any email the company later sent out, saying he could now add a beneficiary. He XXXX XXXX XXXXXX/XX/XXXX after finding out in XXXX that the XXXX had surfaced again -- -unknown until an XXXX  showed it. The CD 's were bought with the intent he was trying to get a better interest rate for me, to provide for me. When he died and I called Capital one to switch the CD 's to my name only, I found out that there was no beneficiary. I was in shock and in total grief at that time, and they asked me if I wanted to take his name off the joint account then. I didn't know what to do I was in shock and told them I guess so. ( mistake! ) If I had never called them to remove his name, nothing would have changed, and I would not be dealing with any of this! They said since his name was not on the joint account now, they could not put the money back in it. They won't act on anything that was set up! I corresponded by email since XXXX to them to the present, showing them the letter Capital One sent out that stated that my husband wanted the matured CD 's directed back to the account from which they came. The company states if it is not open, a check will be mailed out. I thought all was ok after receiving the letter then, because those were his wishes he set up with them. However, after they " escalated my case '', I waited 3 more months to get further answers and they told me their " risk team '' and " legal team '' says I need to go through probate and will not honor what was originally set up by him! We have a living trust and they will not honor that, even though any accounts that didn't make it in the trust are covered. This is totally wrong that they are not honoring what was set up when the CD 's were bought, nor that they will not honor our Living Trust which was set up to protect us! Furthermore, they sent out a 1099 showing my husband earning interest on that joint savings account, and sent me a 1099 also, just with my name only on it, and the same amount of interest!
Product: Debt collection

I have never had my own XXXX account!!! 
XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX that LENDING TREE ran my credit without my consent, knowledge, permission. I have no made any attempts to open an application with this company. They have my information and are using it.
Product: Credit card

I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??
Product: Debt collection

I recently discovered, through my credit reports, that Eastern Account System, located at XXXX XXXX XXXX, XXXX, CT XXXX fraudulently reported to the credit bureau that I owed it {$220.00} on behalf of XXXX XXXX XXXX ( Cable/Cellular ). 

I have never done any business with Eastern Account System, XXXX XXXX XXXX, or any Connecticut corporation. I do not have any cable service and my cellular service is through XXXX which my account has never been in default and is up to date. The supposed account that Eastern Account System alleges is pure FRAUD. Nevertheless, they reported to the credit bureaus that I have an account that is in collections. 

I disputed the fraudulent information with all three of the bureaus, and two of them found that the account was indeed fraud. As such, they deleted it from my report. The third, XXXX, indicated that they reached out to the company who allegedly verified the debt. Rather than remove the false report, they merely noted ( in the comments section ) that I disputed the account I have reached out to Eastern Account Systems numerous times in an attempt to learn more about this supposed account. They do not answer the phone or call me back. Additionally, I have never been contacted by Eastern Account Systems or XXXX XXXX XXXX regarding any open accounts in my name, any bills due, or any collection attempts. 

Again, I have never done ANY business with either of these companies and they should not be reporting fraudulent accounts/collection attempts to the credit bureaus. 

Please fine both Eastern Account Systems and XXXX XXXX XXXX for their blatant fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action against Experian for conducting sham investigations of credit report errors. According to a report from the Consumer Financial Protection Bureau ( CFPB ), Experian engaged in practices that violated the Fair Credit Reporting Act by not properly investigating consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. You can find more information regarding this issue in the CFPB 's lawsuit against Experian. 

Attached to this complaint is a dispute letter that I sent to Experian on XX/XX/year>, which is dated and time-stamped. Despite this, Experian has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.