23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a 1099-C indicating that Mountain Summit Financial Inc. had written off a debit of {$1000.00} of which I never requested or received. Upon receipt of this form I called Mountain Summit Financial to report this fraud and was provided the following information : When asked why I have never received any statements regarding the opening of this account, request for payment, or the delinquency of alleged loan payments, I was informed that Mountain Summit Financial is an on-line only institution and would have sent emails to the fraudulent email address used in connection with opening this fraudulent account. 
When asked why I am unable to see any credit inquiries on my credit history regarding this fraudulent account, I was informed that Mountain Summit Financial does NOT use the XXXX major credit bureaus when decisioning to provide loans. 
When asked how Mountain Summit Financial performs required verification checks, also known as Know Your Customer or KYC controls as required by federal regulation to ensure it is actually doing business with the correct person, I was told that additional detail could be provided during the fraud investigation. 
Employees provided instructions on how to file a complaint with the Fraud/Compliance department and indicated that additional details regarding how this account was opened would be provided as part of the internal investigation. 

I have requested an amended 1099-C form and although am still in the process of obtaining one, I am concerned by the numerous lack of controls that this financial institution has in place to prevent the perpetration of identity fraud. I have no idea where they individuals received my information ; however, financial institutions should do a better job of protecting all consumers. 

Additional Information : Mountain Summit Financial Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX TIN : XXXX Phone # : XXXX
Product: Debt collection

I just got back in town from work. While going through my mail, I come across this letter dated XX/XX/2023 informing me that I have an unpaid bill of {$170.00} with XXXX XXXX XXXX ( XXXX  ). This is the second time I have received this letter and have informed them that I still have an active account ( internet and mobile ) with this company. I consider this as harassment and trying to get money from me illegally.
Product: Debt collection

Medical debt amount is not mine, collection agency claims it falls under mine. Claims my insurance company paid partial but never had the insurance company they are claiming paid. Tried taking to collecting agency, they are using unfair practices to try and collect a debt that's not mine. They keep asking for proof but how do I provide proof when it's not mine, I have nothing to provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted EQUIFAX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX  and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following unverified accounts immediately 1. XXXX XXXXXXXX Acct # XXXX Verify this account This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. Please provide method of verification, and original documentation proving this account. 
a ) Promptly delete that item of info from the file of the consumer. 

2. XXXX XXXX XXXX # Number XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

3. XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( AccountXXXX XXXX XXXX Account # XXXX ), has 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Ive had navy federal credit union before XX/XX/XXXX, between XXXX and XXXX navy federal credit union has been charging overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

National Credit Audit company removed debt from credit report but it was added back and I have yet to receive any notices of how it was verified and why the debt was re-added {$2900.00}. The original creditor was unable to send verification. The complaint is that they are not providing the documentation used to verify this debt.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX WEBBANK/PAYPAL BC/CCC XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has 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 that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Portfolio Recovery A has been charging me {$1800.00} for XXXX  XXXX I have been telling them I never borrowed from XXXX XXXX so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me
Product: Vehicle loan or lease

Unconscionable leasing practices ; Unfair and deceptive trade practices ; Breach of Contract ; Violation ( s ) of the Consumer Leasing Act COMPLAINT 1. This is a complaint against Ally Financial Inc. and Ally Bank ( collectively, Ally ). Ally is one of the nations largest automobile financing companies, originating billions of dollars in automobile leases every year through its standardized lease contract, the SmartLease. Ally has made its SmartLease agreement available to thousands of dealerships nationwide. 

2. Allys SmartLease has been the subject of numerous consumer complaints, including a recent near {$20.00} million settlement deal to resolve a class action lawsuit claiming that the company hit vehicle owners with hidden fees that were allegedly not listed in their lease-to-own agreements. 

3. XXXX XXXX XXXX ( Consumer ) entered into a 42-month Ally SmartLease on XX/XX/XXXX with total base scheduled payments of {$45000.00}. The Consumer made every payment on time without incident. 

4. The SmartLease included a {$1100.00} refundable security deposit. 

5. The SmartLease ended on XX/XX/XXXX. 
The SmartLease was extended for one month. The payment under the SmartLease extension was made on XX/XX/XXXX via XXXX XXXX for {$1000.00}. 

6. The leased vehicle was returned on XX/XX/XXXX to the following Ally location : XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. There was no excess wear and tear or visible damage. The vehicle was functional with no indicators or warning lights displayed. ( Photos of vehicle at Ally return location are available upon request ) Note : The Ally location is under major construction. The dealer drove the vehicle to a parking garage and stored it in an uncovered spot in the garage ; exposed to the elements. 

7. At the return of the vehicle the Consumer provided written notification of the lease return, made a written request for Ally to advise of timing to inspect and close out the lease. ( See emails to Ally - CASE : # XXXX, FIRST REQUEST XX/XX/XXXX, SECOND REQUEST XX/XX/XXXX ) 8. After returning the vehicle, the Consumer was not advised by Ally either of the timing of the inspection of the vehicle.

9. The vehicle was not inspected at the location where the vehicle was turned in. The vehicle was instead transported and subject to a 3rd party inspector at another location. 

10. After the date the vehicle was returned, the Consumer made numerous phone calls and two written request to Ally but received no correspondence from Ally for over 45 days. 

11. The Consumer finally received correspondence from Ally, in the form of an itemized bill, alleging excess wear during the week of XX/XX/XXXX -- over 45 days after the date the vehicle was returned. 

12. The itemized excess wear and damage bill didnt include a notice of the Consumers right to an inspection of the vehicle or any other process if the Consumer disagreed with the bill. 

13. The Consumer was denied reasonable access to the vehicle for an additional appraisal/inspection. However, the following week after Ally sent the bill to the Consumer, Ally sold the Vehicle sold at auction on XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Was pre approved for a set amount. Went through the entire process just to have them do a hard pull and then get denied. I would have never even given them the time of day if I wasn't going to get approved. I've never not had a hard pull where I wasn't approved. This is the first time this has happened and it is deceptive in giving me all these quotes on what I was pre approved for. Shady business practices
Product: Mortgage

Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Progressive Management System # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, after making all of the payments required, I returned a 2015 Hyundai XXXX that was leased back to the dealership. When I turned the car in, I asked the gentlemen if they needed any information from me or payment and they said, no, we dont need any other information from you, you are good to go. This was an opportunity to verify my address, phone and additional contact information. No information was collected from me while turning in the car. 

Sometime in the early XX/XX/XXXX, I received a call from Hyundai collections department claiming that I had an outstanding balance for the lease turn in. I had advised them that this was the first Id heard of this and that I had received nothing in writing from Hyundai nor any calls. I asked for the information in writing so I could see the breakdown of costs. I received the breakdown via fax on XX/XX/XXXX at XXXX XXXX. After reviewing the breakdown, I paid the amount on XX/XX/XXXX in the amount of {$710.00}, check # XXXX. The check was posted / cashed on XX/XX/XXXX. 

Furthermore, the collections person was extremely rude and continuously argued and talked over me the entire conversation. 

I made 3 years worth of payments, fulfilled my obligation and should have been an exceptional customer to Hyundai. 

Had Hyundai contacted me sooner and given me the opportunity to make the payment, I would have settled payment within a reasonable period-of-time, much like the timeframe of the final settlement outlined above. 

The result of reporting me delinquent to the credit agencies has resulted in financial loss ( roughly {$8700.00} - the difference between 4.25 % and 4.375 % new home loan ) via the interest rate I received from my mortgage company. My credit score dropped over 80 points. 

I sent a letter regarding the same XX/XX/XXXX asking Hyundai to correct my credit report. After waiting 30 days from the sent date, I called Hyundai and spoke to a manager. She stated that they will fix the credit reporting. I received a letter ( see attached ) stating the same. The letter stated to allow 30 to 60 days for processing. I placed a 60 day calendar to follow up with the credit agencies. 

I called XXXX  and XXXX on XX/XX/XXXX to see if they had received any information from Hyundai. Both agencies claimed they didn't receive any information from Hyundai Motor Finance. I filed disputes with both agencies. 

I called Hyundai on XX/XX/XXXX to discuss the matter and to obtain status. After speaking to another manage, she claimed they updated " late payments '' but they would not be removing the delinquency which is impacting my credit score. 

The letter Hyundai Finance sent on XX/XX/XXXX acknowledged my letter, the dispute and stated they would update it. This was deceptive in that they acknowledged my dispute but stated they would not correct the delinquency. 

It appears they have violated FCRA requirements and did not update the credit agencies even though their letter clearly stated they would. Their deceptive practices has caused me financial loss.
Product: Checking or savings account

Company is saying that they cant release my funds because a check didnt have both signatures on a third party check that was deposited on the mobile app. First off they say they dont accept third party checks through the mobile app but they accepted mine so strike one. 
Strike two they cashed my check without the other signature. 
When they contacted third party the third party, XXXX, asked them why did they cash a check without their signature? 
Also why did they cash it beforehand and then contact XXXX after Chase received their funds for the overdraft fees that I had and cleared them with the check. Then They closed my account saying I cant get my money.
Product: Debt collection

Ive disputed several times under the premise of no contract with that collection agency and theyve sent me statements and a document from a different company. I have no contract nor obligation to this collection company so therefore I need this deleted off of my credit report
Product: Debt collection

I was sent a letter from ARC management group XXXX dated XX/XX/22 stating they were contacting to settle. I called and explained I was sent the letter on XX/XX/22 for a settlement, which is about XXXX weeks ago. The XXXX  who answered, XXXX, stated that they never sent the letter. I have the letter in hand, and disagreed that they didn't send me a settlement offer. She then stated that was last month 's offer and they wouldn't honor it. I asked if that was some sort of scam, sending out settlement offers and then pretending they didn't exist or were expired. She then stated they were trying to help me, and if I didn't pay it would go on my credit report and then hung up on me. I attempted XXXX more times to work with XXXX, each time she would hang up on me. She stated I was being rude multiple times, however it was more her being rude to me. I was merely stating that they had sent me the letter and I felt that not honoring it was deceptive. She obviously didn't like that. In the end I contacted XXXX XXXX 's hospital and settled the debt with them, because ARC did not seem trustworthy at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with TransUnion, XXXX, and XXXX, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately. 

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While XXXX accurately reflects recent payments, TransUnion and XXXX continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. TransUnion reports a balance of {$160000.00}, whereas XXXX and XXXX report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with TransUnion reporting XX/XX/2024, while XXXX and XXXX report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Debt collection

On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.
Product: Student loan

I called Edfinancial almost two months ago to request a change to my payment plan where I would be switched to a standard payment plan. They have still not made the change.

I have been calling non-stop for the last week. I was able to get a hold of someone weeks ago who reassured me that my change would be processed in two weeks. It still has not happened.

I have been calling Edfinancial and can not get through to anyone. Last Friday XX/XX/XXXX I was on hold for over two hours. Today on XX/XX/XXXX I was on hold for 7 hours after being told my wait time would be 175 minutes. Nobody answered and ultimately my call was dropped or I was hung up on at seven hours on hold.

The times I have requested a call back my phone rings briefly or they never call back.