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

I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
Product: Vehicle loan or lease

I request an immediate call back from Hyundai Motor Finance as they owe me {$7200.00} for the sale of my car that was auctioned and a refund for unused gap insurance. On XX/XX/XXXX - I received a letter from Hyundai stating that my car was deemed a total loss. On XX/XX/XXXX - XXXX received a letter from Hyundai stating that the car would be auctioned and the balance I owed would be reduced based on what it is sold - I have yet to receive this refund of the car sale. As of XX/XX/XXXX - I was told I was owed {$7200.00} for the sale of the car and unused gap insurance. It's been months without seeing this refund and I need to escalate to someone who can review the entire case. 

All my monthly payments that were due up to XX/XX/XXXX were also paid on time and in advance. I paid off my outstanding balance on XX/XX/XXXX of {$25000.00}. 

On XX/XX/XXXX the car was auctioned off and I have yet to receive this refund as noted in the XX/XX/XXXX letter that Hyundai sent to me. As clarified on emails and calls to Hyundai since XX/XX/XXXX- the insurance at fault has not responded to total loss claims and this is being handled separately by a lawsuit. Since this might take years to resolved- I paid out my balance to Hyundai and I am expecting refunds to be released by Hyundai as noted in their letters. 

In addition, Hyundai filed negative derogatory marks on my credit score for repossession and late payments. XXXX from the Hyundai 's XXXX Department has yet to respond in writing to my email that was sent on XX/XX/XXXX. 

Attached is documentation received from Hyundai, payments made to Hyundai to date, and a copy of the lawsuit against driver and insurance that hit my vehicle. 

As noted in Hyundai 's letters, I would expect a price adjustment for the sell of the car. To date, Hyundai owes me {$7200.00} for the sale of my car that was auctioned and a refund for unused gap insurance. I am also requesting that all negative derogatory marks are removed from my credit scores.
Product: Debt collection

PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.
Product: Credit card

Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.
Product: Checking or savings account

I created a new account with chase bank on XX/XX/2020 under my name XXXX XXXX. I put my money it in no problem and I created the account online and wasnt able to put my fianc on my account until I could go to the bank, and he wasnt off for a while to where we could go. So I took his XXXX XXXX check from XX/XX/2020 and he signed it over to me to deposit through the app. I didnt know this would create a problem where I couldnt use my checking account, I cant even get my money out and I need my money ASAP for rent and bills. I was told over the phone on XX/XX/2020 that they were just verifying the check and my account would be back up on XX/XX/2020. So XX/XX/2020 I got a letter dated XX/XX/2020 that said they were going to close my account. When I called I kept getting transferred around and finally disconnected after waiting over an hour. I seriously just need my money as soon as possible, I would prefer my account be fixed if possible.
Product: Debt collection

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am requesting the immediate blocking and deletion of certain accounts and inquiries due to a data breach I experienced, as per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5800.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. XXXX ( XXXX XXXX was the lender involved, and Equifax was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. Equifax insists that I must have a deletion letter sent from XXXX to Equifax to have the inquiry removed. However, given I am not a client of XXXX, it is extremely difficult to get in touch with them. For example, almost every XXXX # of XXXX that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with XXXX, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact Equifax. Despite this, I was able to reach the correct department at XXXX twice in the last six months. Each time, they assured me that they will reach out to Equifax to have the inquiry removed. I even received two separate confirmation letters in the mail from XXXX that two separate requests to Equifax had been made, one in XXXX and another in XXXX. Still, Equifax insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with Equifax in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from XXXX as well as a result of my Equifax dispute in XXXX.
Product: Credit card

I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank USA, regarding serious violations of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I believe these violations have caused significant harm, including retaliation and financial damages. 

On XX/XX/, I was approved for an Apple Card credit account with a credit limit of {$10000.00}. However, Apple Card failed to provide me with the required GLBA compliance disclosure regarding my right to Opt Out of third-party sharing of my personal information, as mandated by 15 USC 6802 of the GLBA. Despite my subsequent exercise of this right by mailing a notice to Apple Card, explicitly denying consent to share my personal information with third parties, Apple Card reported my account information to the top three Credit Reporting Agencies ( CRA ) without adhering to my Opt Out request. 

Recognizing this as an impermissible disclosure of my personal information and identity theft, I promptly disputed these items with the CRAs and provided them with copies of my Affidavit and the Federal Trade Commission ( FTC ) Identity Theft Report. As a result of my dispute, the account and related inquiry were immediately removed from my credit reports.

In response to my exercise of privacy rights under the GLBA and FCRA, Apple Card, issued by Goldman Sachs, engaged in discriminatory actions against me, constituting a violation of 15 USC 1691 ( a ) ( 3 ). Apple Card retaliated by closing my Apple Card account, citing " There was a failure to comply with the terms of the Customer Agreement. '' I wish to emphasize that the Customer Agreement 's section on " Credit Information & Credit Reporting '' does not provide a compliant GLBA and FCRA disclosure, which is required by federal law. This disclosure should clearly explain consumers ' rights under the GLBA, specifically the right to Opt Out of third-party sharing, and the consequences of non-compliance by the financial institution.

Furthermore, after closing my account, Apple Card re-furnished the account information back to my credit report as " verified. '' This action is unwarranted and in direct violation of the FCRA, given that my dispute led to the removal of this information.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws.

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission.

Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report.

A lack of proper response to my repeated requests for item removal and verification of agreement.

Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts.

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting.

I am requesting the CFPB to : Conduct a full investigation into this matter.

Ensure that the fraudulent items and incorrect information are removed from my credit report promptly.

Hold the credit bureaus accountable for their failure to adhere to consumer protection laws.

Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed.

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

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: Checking or savings account

Wells Fargo account would charge nsf fees before j have ran out of money, then when j was out of money they would charge {$35.00} daily until I put more money in the bank. You would then have to call them for them to take all but usually 3 charges off of nsf
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX
Product: Debt collection

Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. 
.. Discover Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my previous attempt to ensure that these items are entirely removed from my file : 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 XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Debt collection

I receive medical I was in an accident and medi-cal covered all of my bills even tells me I shouldn't have received the bill. But they still try to report that I owe it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Vehicle loan or lease

On XXXX I entered into a contract to buy a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Seller assigned the contract to Hyundai motor finance to facilitate the purchase. 

- The contract is in violation of the truth in lending act as it is missing important disclosures. 

- There has been a breach in contract as a result of the violations under TILA, Fair Credit Billing Act and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. Remove these late payment remarks!!
Product: Debt collection

Midland credit management calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$800.00} on XX/XX/year>. I made 4 timely payments that totaled {$690.00}. On XXXX I was informed I still owe {$790.00}! I still owed almost the full amount of the loan after nearly paying {$700.00} in just 3 months. This feels like a predatory loan in which there is no way to get out of as the balance never lowers.
Product: Debt collection

I spoke with XXXX XXXX XXXX on XXXX XXXX,2019. I was very displeased in how she was speaking to me due to the fact I was calling to get assistance on a settlement. I felt insulted and Ive never felt so low before. She didnt have the decency to place me on hole while getting her manager, I informed her how unprofessional it was and she continued to try to argue with me instead of trying to assist. I was offered the settlement amount of {$2200.00} and didnt have the option to make payments. I recently called the law firm again to see the settlement and I was offered {$3200.00} with the option to separate it into 3 payments over 3consecutive months.