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

I presently have a XXXX  XXXX XXXX on lease. I have made every payment on time and the attached copies of checks prove it. However Hyundai continues to bill me incorrectly as to the due date AND the total payments made and amount due. 
I have tried speaking with them on over ten occasions. EVERY time, I was disconnected. Their automated attendant asks for critical info and Im told that none of it is transferred to a live person. Why put a customer through that? That in and of itself is abusive to everyone who is trying to resolve a problem. Over the past fifty years, I have dealt with thousands of financial companies/payments, and I have never - EVER come across such blatant disrespect and disregard for the customer. I have sent letters and documents supporting my case and I never was even giving the curtesy of a response. I was just on the phone with them for 52 minutes. This was the last straw, which has driven me to contact you. I was trying to locate an individual who I might send my documentation to. but a responsible party does not exist in their world. Although, Ive never contacted you before, am I glad that you exist. Hyundai Finance obviously thinks that they can do what ever they want, and completely ignore the consumer. If possible, I would ask you to act as me, so that you may gain an accurate account of what they do to a consumer. In addition to check copies, Ive attached a few dunning letters. Notice that one ( as with all previous correspondence ) states the due date as the XX/XX/XXXX. In fact my contract ( copy attached ) clearly states the XX/XX/XXXX. 
I am happy to speak with whomever may be assigned to the case.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX I called experian fraud department I was explaining to a representative name XXXX that my rights had been violated by the company XXXX XXXX and also Experian she got rude and nasty and told me they have the right to furnish my personal information with out my written consent witch violates my rights In accordance with the fair credit reporting act 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, a consumer reporting agency, can not furnish a account without my written instructions I was hang up on I called and asked to speak to a supervisor left my complaint with them as well Case number for my complaint XXXX this was originally a dispute of identity theft that they never resolved correctly after my ftc report police report and complaints a rep few mins later was able to get my new dispute in
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed Capital One reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning ( dates started reporting ) and ( dates reporting ) on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 transunion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX of XXXX XX/XX/2022 transunion XXXX  XXXX XXXX XX/XX/2022 transunion XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX transunion XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2022 I have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Product: Credit card or prepaid card

CAPITAL ONE BANK USA NA Closed : XX/XX/XXXX {$910.00} Closed Overview You're currently using XXXX % of your account 's limit. 
Balance {$910.00} Credit limit {$500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$910.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX this card was in my name but not me from what I see they can't find me under my social security number my last 4 digits is XXXX I'm pretty sure that's not what they have so that can't be me this has to be some kind of fraudulent account opened in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax several times over the past few years. I have two significant concerns with their integrity at this point.

1 ) I have never lived at an address or used a bank to pull a hard credit file in Indiana. I was born and have lived in Michigan my whole life. 
See Examples : Under address : XXXX, IN XXXX Under hard inquires :XX/XX/2016 XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX ) In 2016 an erroneous medical bill was put into collections under my name. I fought it with the local doctor and they called and had it removed from Original Creditor Name XXXX XXXX XXXX XXXX XXXX. I then had to call and advise XXXX XXXX XXXX XXXX XXXX  if they did not REMOVE the claim in full ( I never owed a dollar ) not just show it paid that I was going to take legal action as it was haunting me under my credit report. Somewhere the total got reduced from {$57.00} to {$3.00} and closed. I went through several months of Equifax saying that XXXX XXXX XXXX had to remove it ( not just the {$3.00} but the whole claim as it was not correct ) and XXXX XXXX saying that they had sent everything in and that EQUIFAX was delinquent in updating the information. I have begged, pleaded and threatened Legal action. These responses have all been sent numerous times over the past 6 years to get all three of the inaccuracies off of my credit report. I get no response. The other two reporting agencies do not have either of them on them.

I am asking that you please help me. This is having a significant effect on my credit and is causing me to pay extra for insurances, mortgages and etc.
Product: Credit reporting or other personal consumer reports

Thank you for your response dated XX/XX/year>, to my complaint submitted on XX/XX/year>, through the CFPB Complaint Portal. I appreciate your efforts to address my concerns regarding the inaccuracies on my credit report.

However, I need to see proof of my signature on the documents related to the disputed items. Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain documentation or written verification of the disputed information from the data furnishers.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to request and receive all relevant information that was used during the reinvestigation process, including copies of documents with my signature. This verification is crucial for resolving my dispute accurately.

Please provide copies of the original documents bearing my signature for the following items : Item # 2 : Updated account record Item # 3 : Account record remains unchanged Item # 4 : Account record remains unchanged Item # 5 : Updated account record Item # 6 : Account record remains unchanged The specific accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you can not provide these documents, I request that you remove the disputed items from my credit report. As I have not received satisfactory resolution, I will be filing another complaint with the CFPB to ensure my rights under the FCRA are upheld. Additionally, please be advised that if these violations are not rectified, I will seek litigation for up to {$5000.00} per violation. This is my final warning. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me to facilitate this request.
Product: Debt collection

LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX- XXXX Incorrect Name - XXXX XXXX Incorrect XXXX XXXXXX/XX/XXXXIncorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX Incorrect Address - XXXX XXXX XX/XX/XXXX, XXXX, AZ XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : XXXX XXXXXXXX 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, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am requesting them XXXX to be reomved I never lived at the above addresses.
Product: Mortgage

US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.
Product: Credit reporting or other personal consumer reports

It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX  immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Checking or savings account

On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit reporting agency reported the same debt three time to XXXX but did not report it three times to XXXX or XXXX  credit reporting agencies. I contact XXXX XXXX XXXX XXXX to complain about what they did and the representative refuse to acknowledge that their agency did this intentionally further exploiting XXXX data breach. The first report was XX/XX/XXXX. The next one wasXX/XX/XXXX and XXXX both XX/XX/XXXX for the same amount of the original debt of {$1100.00} to one creditor and then {$600.00} for the other creditor. On all three times they reported the same information from the same creditors I owe debt to. I explained to them that the are only allowed to report the debt to all three credit bureaus one time and one time only. I further got no response other than if my address, telephone number etc was correct for them to pursue me for collection purposes. I want the additional two reports removed from my credit report because they are only allowed to report once not three times.
Product: Vehicle loan or lease

Tried to get a loan approved through XXXX XXXX XXXX XXXX in Oklahoma. Loan got approved for a 2023 XXXX XXXX, XX/XX/2023. Didnt have any issues with the loan since the day we were there but a week or so ago the finance manager from the dealership started harrasing us for a paycheck and a paystub from my employer. Gave them all the information and no issues. Few days go by and more harrasment from this financial manager asking for employement verification. Told him that I couldnt get ahold of my manager/supervisor since I work off shift. He kept calling and texting us for a few more days. Last call he made I told him that I wasnt satisfied with their customer service and wanted to give back the car and stop the deal from happening. XX/XX/2023, me and my husband decided to head back to the dealership and talked to another manager to sort things out. No manager was available so we left. Went back today XX/XX/XXXX and a guy named XXXX said that the loaned got approved but refused to show any evidence. We called the financial institution and they didnt have any information on their system stating that the loan was approved. He then left the office to go get a finance person. Came back and nobody from finance came into the office to talk to us and XXXX kept being very condescending about the situation and even congratulate us, in a sarcastic manner, on being owners of the vehicle. He even told us that if we left the car it was getting repossessed. Then he proceeded to say Im done here and left the office and left us. After that, we stood up and left the car with the keys in that office.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 

Mohela is denying my application because the authorized official is not authorized to certify employment. However, my application was signed by HRIS Specialist, who is authorized to certify my employment dates.
Product: Mortgage

We got a mortgage through Guaranteed Rate and closed on our home on XX/XX/21. Included in our closing documents were the first two payment coupons with due dates of XXXX and XXXX. We made our first two payments. We received notification that our mortgage was sold to XXXX XXXX and would be serviced by XXXX XXXX Bank. The notice from XXXX XXXX was dated XX/XX/21 and said the mortgage was transferred on XX/XX/21. On XX/XX/21 we received our first correspondence from XXXX XXXX Bank. This statement was dated XX/XX/21 and postmarked XX/XX/21. This statement said we had a payment due XX/XX/21. It also appears that only one payment is reflected and was somehow lost between Guaranteed Rate, to whom we made the payment, and our new servicer. I contacted both Guaranteed Rate and XXXX XXXX. Guaranteed Rate has not been responsive. XXXX XXXX told us that we needed to resolve with Guaranteed Rate. I inquired with XXXX XXXX about the grace period provided to borrowers when a mortgage is sold. My understanding is that there is a 60 day grace period. XXXX XXXX said our grace period started on XX/XX/21, the loan origination date. I believe both Guaranteed Rate and XXXX XXXX are not acting in good faith and are breaking rules.
Product: Credit card or prepaid card

I just found that Chase closed my account because of lack of activity without notifying me and deleted all my ultimate reward points. I lost my account and lost points of more than XXXX which I could redeem as more than {$400.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________EXPERIAN XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX AND XXXX COLLECTION BELOW : XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Money transfer, virtual currency, or money service

XXXX : ** Unauthorized Transaction and Lack of Support from Chase Bank and XXXX On XXXX XX/XX/year>, I sent {$500.00} via XXXX XXXX $ XXXX for the purchase of baseball tickets. Unfortunately, the seller never delivered the tickets and has since disappeared, effectively stealing the money. I promptly contacted both Chase Bank and XXXX to dispute the transaction and request a refund. 

Despite my repeated attempts to resolve this issue with both companies, neither has taken any meaningful action to assist me. Chase Bank and XXXX have refused to refund the money or provide any support in this situation, leaving me with no recourse. 

I am filing this complaint because I believe that both Chase Bank and XXXX have failed to honor their consumer protection policies and have not provided adequate customer service in response to this fraudulent transaction. I am seeking your assistance in resolving this matter and recovering my funds. 

Thank you for your attention to this issue. 

**Sincerely, ** XXXX XXXX XXXX ( XXXX ) XXXX