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

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX  XXXX ( Finance ) XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
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 XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$980.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$640.00} XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00}
Product: Vehicle loan or lease

HYUNDAI MOTOR FINANCE FORMER ACCOUNT NO. XXXX I am charging HYUNDAI MOTOR FINANCE with LARCENY in the amount of {$2600.00}. This complaint relates to two payments I made one on XX/XX/2019 in the amount of {$950.00} and the second payment of {$1700.00}. I made these two payments in GOOD FAITH and, I thought each of these payments had been applied. 

At the end of the lease in XXXX, I requested a print out of my lease history agreement with HYUNDAI MOTOR Finance to review. I discovered these two payments were never applied to my lease agreement. I believe these two payments should have covered nine payments at {$340.00} per month. Because these two payments were never applied to my former lease account, I incurred further interest charges that, also, should be returned to me over the nine payments I made to get ahead on my car payments. 

When I complained to The Hyundai Customer Care Center, the customer service represent gave me a difficult time in stating if I had sent these two large payments in ; then, these payments were applied. I responded by stating to her these payments were on reflected and/or credited to my lease payment account. 

I, further, spoke to a dispute customer representative who stated to me that I should mailed the front and back of these two checks. I had given him all the required information : date, check number, amount. He could not find either payments doing a payment search on his computer. I mailed them OVERNIGHT to HYUNDAI MOTOR FINANCE CORPORATION/THE PROCESSING CENTER. 

I was informed by HYUNDAI MOTOR FINANCE/PROCESSING CENTER that both of these payments would be re-debited to my checking account. This information was stated to me in XXXX. As a follow up, I kept calling HYUNDAI MOTOR FINANCE to state I had not seen these two payments re-debited to my checking account. 

Now, HYUNDAI MOTOR FINANCEXXXXPROCESSING CENTER is stating that it had re-debited the two payments to my checking account in XXXX. As of this date, I continue to wait for my overpayments that were never applied to my former account and have never been re-debited to my checking account. 

UNDER THE PAINS AND PENALTIES OF PERJURY, my bank, XXXX XXXX XXXX XXXX XXXX, can confirm these two payments were never, ever re-debited to my checking account with them.
Product: Debt collection

Company is using an automated system to call 4-8 times per day and doesn't leave a message. When I called back and asked why they would call me this many times I was asked the following : " Are you having a bad dayyyyyyyy? '' " Aww, who hurt you? '' " You sound troubled '' When asked to speak with a supervisor I was told 3 times unfortunately no one was available. 

When I asked to be taken off any kind of automated system they hung up on me. 

When I told them this debt wasn't real and I'd already tried Names : XXXX - supervisor employee ID # XXXX. - he let me know he plans to allow his team to call me as many times in the day as he feels like because he knows the laws and he doesn't mind breaking them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic and coronavirus. I will be left no choice but to seek legal remedies shall this issue not be taken care of promptly.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX , AND XXXX XXXX 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 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.

DEPT OF EDUCATIONXXXX, XXXX XXXX , AND XXXX XXXX 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: Student loan

Been on auto debit for years with loans I 've already paid in full and current loans which are being auto-debited. The loans are through Navient. They have not been giving me the discount for auto debit. Which they told they would years ago. When I caught it, now they need weeks to investigate it. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called experian and XXXX to have a 30-day freeze put in on my credit. My XXXX   XXXX XXXX is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my XXXX XXXX XXXX account. I called XXXX XXXX to have payments process to XXXX  XXXX XXXX but only some funds could be verified. This is currently an on going nightmare for me.
Product: Credit card or prepaid card

In XX/XX/XXXX, I logged into my Capital One account to check when my promotional period was over for a promotion I had signed up for sometime in XX/XX/XXXX. No where in my account statement or in my online portal did I see a date for when the promotional period expired and therefore would start to charge interest on my account. Capital One previously advertised a promotional period of 15 months, so I went off of only that, which was only mentioned to me before I opened the account. I did not receive notice of when the promotion would end or given a specific date on any of my statements. Therefore, since I more or less knew the promotion would expire at the end of XXXX, I went ahead and scheduled a balance transfer to transfer my balance to another credit card and avoid interest. I have over 5 credit cards where I have participated in these promotions ( e.g., XXXX, XXXX XXXX, XXXX XXXX ) and each card has provided me this information on my account statements. Now, XX/XX/XXXX, I notice an interest charge on my account and call Capital One to see if they can waive it, given the fact that I've made all my payments on time since I opened the card, and multiple banks also give a one-time waiver for such miscommunication errors. Capital One did not offer any help and although they knew the date my promotion expired, they could not point me to a place on the account statement that showed when the promotional period expired. In comparing to all the bank accounts I've had for over 10 years and related credit cards, I have never seen a statement so misleading and deceptive. If this is happening to someone like me, who is a licensed attorney, I can not imagine how much money Capital One makes doing this to other loyal customers. Therefore, although the charge I am complaining about is only about {$25.00}, this is about much more than that : deceiving loyal customers.
Product: Credit reporting or other personal consumer reports

My check systems report shows seven inquiries from XXXX XXXX on behalf of XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. I do not know who these companies are nor do I do business with them. Ive never applied to open any type of account and the addresses that are listed on the inquiries do not match any that Ive lived at. Ive disputed them with check systems, but they refused to remove them because they say that theyve been Verified accurate? I dont see how I did not authorize these and theyre obviously fraudulent. I need these inquiries removed ASAP. Ive been requesting this for months from XXXX XXXX and check systems and I never get any response. This is preventing me from opening up a checking account and this is severely impacting my life Order appreciate this if this could be resolved quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/2022 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was going through my credit and noticed a vehicle that was repossessed several years ago is still reporting with several inaccuracies, such as balance, original balance, date of last activity, status, etc. Plus I had a Gap insurance on that vehicle and I never received and documentation after the repo. It shows charged-off with wrong balance, and it's definitely violations of FCRA and MVISA.
Product: Checking or savings account

I went to make a deposit at a Bank of America ATM. The machine said it was having a problem reading it and asked me to enter the amount. I entered an amount and the ATM kept my cash deposit and gave a receipt that said We apologize for the inconvenience We are unable to process your request and can not return your items. 
I went into the bank and had two separate people say they could not do anything and call the number on the receipt. 
I have called and have been on hold and have received no help with the issue. I have been put on the call back list and have received no call back.
Product: Credit reporting or other personal consumer reports

I already file a dispute with XXXX about some fraudulent accounts that I have on my credit report and they are not doing anything. Is been months since I file the dispute and still showing in review.
Product: Mortgage

A reinstatement check was mailed to the Foreclosure Attorney in the amount of {$24000.00}. This dollar amount was good until XX/XX/2022. 

1. Received an e-mail from the Foreclosure Attorney on XX/XX/2022 stating the reinstatement check was received and it was mailed to the Servicer. 

2. On XX/XX/2022 a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX. She confirmed receipt of the reinstatement check but it has not been posted to the account yet. 

3. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX. After waiting on hold of 1 hour and 5 minutes, XXXX said we were not authorized on the account, she is in the foreclosure department, we are only authorized in Loss Mitigation. 

4. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX, Loss Mitigation Department. After 1 hour on hold, she said we are not authorized. 

5. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX, she is in the Foreclosure department. The reinstatement check still has not been posted to the loan. She said it can take up to 20 days. She advised that the client 's first contractual payment of {$1300.00} is due XX/XX/2022 and it must be mailed in. 

6. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX, she had to transfer me to the Foreclosure department, waited on hold for 45 minutes, got disconnected. 

7. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX in the Loss Mitigation Department. She confirmed the payment of {$1300.00} was received on XX/XX/2022 but applied to XX/XX/2022 payment. She then transferred me to the foreclosure department. Spoke to XXXX - ID - XXXX. I explained that the payment of {$1300.00} should go towards XXXX 's payment. She said she did not see any payment being made and she can't see any notes from Loss Mitigation. She went on to say Loss Mitigation does not see Foreclosure notes and visa versa. She said it was up to the client to settle this issue. THE PAYMENT OF {$1300.00} MUST BE APPLIED TO XX/XX/2022. THE BORROWER WAS FOLLOWING INSTRUCTIONS FROM LOSS MITIGATION AND FORECLOSURE AND THIS ISSUE MUST BE RESOLVED IMMEDIATELY. THIS IS SERVICER ABUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : 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 XX/XX/XXXX 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 ( 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.
Product: Debt collection

Hi! I have had a recent dispute with XXXX that is now closed. My credit score ( prior to this event has always been in upper XXXX ) is dropping rapidly and keeps going down due to a debt from Choice Recovery that has this account listed under NOT MY NAME. The girl has my same date of birth, but her name is XXXX XXXX, which is not my name. I told both Choice Recovery and XXXX about this issue and they recommended the dispute, assuring me the issue would be caught and handled. I did threaten to send certified letters but I feel I have obtained enough evidence from a simple phone call to prove this isn't my debt- why should I have to go through all the extra work and extra expense when this isn't even MY DEBT! I will start sending these certified letters soon if my credit score continues to plummet. This is disheartening what is happening to innocent people who work really hard and pay back anything they borrow. It is very sad, and I hope someone can make this right for me and my score. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with Experian and XXXX reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything