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

I have a credit check from HYUNDAI CAPITAL AMERICA un XXXX. I live in XXXX XXXX  and never did anything at that time to inquire about a loan from them or anyone. I tried calling to get removed but it took the 4th phone number and different city branch to get ahold of someone that has no idea what to do or where to send me. There is no one to talk to from Hyundai capital and as soon as you call they say to talk to support call different number and company? Please help this is very scammy
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 

This account has already been deleted by XXXX and XXXX for FCRA violations. The first investigation was a sham into this account by you. As you know the CFPB is suing XXXX already for sham investigations and not properly verifying accounts, I would hate for another credit bureau to start having the same legal troubles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card with XXXX XXXX  in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a XXXX XXXX  credit card with {$1000.00} credit limit. Experian has been reporting this on my account for 8 months now and I tried to dispute with XXXX, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.
Product: Debt collection

This complaint is with XXXX and SynterResource, a collection agency regarding harassing me over a disputed charge. In 2022, XXXX charged {$5900.00} to my credit card which XXXX had on file as a requirement for me to open a account with them. The correct amount that should have been charged was roughly XXXX XXXX.after dozens of attempts to resolve the issue, I was told by a XXXX account Rep a credit would be given on my account for the difference. XXXX has not honored this credit and is attempting to collect an additional {$1200.00}. XXXX has continually passed the matter from one department to another and never actually responded to my attempts to reconcile the overcharge and has send the additional amount to a collection agency. I immediately contacted the collection agent and informed them that I dispute the charges and supplied them with all the supporting documents. 3 times over 4 weeks since this notice of my dispute of the charges, the collection agent has continued to ignore my notice of dispute and continues to send collection demand letters and daily emails to me harassing me to pay them the disputed amount. The frustrating part is they never respond to the my attempts to contact them regarding the initial effort on their part. This seems like a billing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of this buttes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglect to protect consumers but has also allow repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.
Product: Credit card

During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions.
Product: Checking or savings account

XXXX XXXX  called me and said that someone tried to open a bank account in my name. XXXX XXXX canceled the account and told me that I should contact the XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding Cash Apps failure to adequately address a fraudulent account that was opened in my name using my stolen Social Security Number ( SSN ). After discovering the fraud, I contacted Cash App and requested that they block my SSN to prevent any further unauthorized accounts from being opened in my name. 

As part of their verification process, Cash App requested that I send a selfie with my passport to prove my identity. I complied and sent the required documents. However, they later informed me that the format was incorrect and asked me to resend the information, which I did. After resending the requested documents, I followed up to ensure they received my submission, but Cash App has failed to reply or confirm receipt. Their lack of cooperation and communication has made it extremely difficult to resolve the issue. 

Despite multiple attempts to work with them to protect my personal information, Cash App has been unresponsive, and I am left vulnerable to further identity theft and financial fraud. 

Case Number : XXXX
Product: Debt collection

Portfolio Recovery placed account # XXXX into collections without giving me proper notification of this debt. I sent in a letter requesting that send me proof this is my account and was later sent statements. This account was opened illegally by a relative that is now in prison for fraud. Because of the fraud that said person even went and filed bankruptcy without my consent. This has caused horrendous damage to my credit and has cost me business opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

i signed to experian boost for the week period for {$1.00}. was blocked from using account due to " somebody '' entering the wrong social security. this block resulted in going past trial period. so i was charged {$29.00} for an account i could not even use. 
i repeatedly emailed about how to add another account to " boost '' my score, no response. i call, get disconnected, over and over. automated line repeatedly ask for my ss #, connects me to agent who asks for it again. refuses to pass me to a supervisor repeatedly. next call more of the same except this time i am hung up on. they took my money and can't provide the service they offer. i am trying to cancel before they take another payment out. this really has me wondering if their reporting is accurate, if their customer service is this bad.
Product: Checking or savings account

I made a deposit on the ATM for {$800.00}, it said forced deposit into savings account. The deposit never showed up on my balance. I opened an ATM dispute 3 weeks ago, bank has not even started an investigation, branch said they can not do anything on their end.
Product: Debt collection

I requested a 1099-C on XXXX XXXX. The party has still not responded. If Ally is claiming that they had a financial loss XXXX XXXX. XXXX Charge Offs Im suppose to receive a 1099 per the IRS.
Product: Checking or savings account

1. On XX/XX/year> I received by mail, dated XX/XX/year>, notice that my CD with Truist Bank was renewing. Specifically, the letter said : " ( Bold ) Your Certiificate of Deposit is Renewing. Your CD listed below will mature soon. NO ACTION IS REQUIRED TO RENEW YOUR CD ( emphasis added ). When your CD matures on XX/XX/year> it will AUTOMATICALLY ( emphasis added ) renew for another term of 5 months at the INTEREST RATE IN EFFECT ON THE MATURITY DATE. ( emphasis added ). 

2. On XX/XX/year>, I received notice by mail from Truist that " Your CD was automatically renewed on XX/XX/year> ''. The Truist letter was dated XX/XX/year>. However, instead of renewing under the current CD rate which was approximately 4.44 %, it was renewed under the rate of 0.01 %, ie, virtually XXXX. 

3. Truist would not resolve this over the phone by Customer Service and told to go to a branch office. I went to the branch office on XX/XX/year>. The Branch Manager claimed the " Current Rate '' was 0.01 %. This was absurd and patently false. I had to insist that in order to avoid continuing to lose daily interest, the principle of {$150000.00} be immediately transferred to the same 5-month CD terms and the manager said the interest rate was in fact, 4.440 % or 4.50 % APR. At the office I had the CD renewed at 4.44 % for 5 months. 

4. The interest lost for the period XX/XX/year> through XX/XX/year> was approximately {$310.00} since only the 0.01 % rate was applied during this period.
Product: Debt collection

The collection agency is Regional. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Seterus rated my loan incorrectly and wo n't fix it. I am trying to refinance and they wo n't cooperate in getting my payoff to the new lender.
Product: Credit card or prepaid card

I have a XXXX card. I already had a balance on the card in XXXX of {$80.00}. I bought a sofa for {$1100.00} that had a 12 months no interest. The billing for that purchase did not start until XXXX, but I had made a payment in XXXX for {$85.00}. I had called and on XX/XX/XXXX for that payment to be applied to the promotional amount not regular purchase amount. They said they would take care of that for me. I made another payment in XXXX and XXXX and asked for those to be applied to the promotional balance. They said they would gladly take car if that. I got my XXXX statement and it showed that I have a XXXX balance on my regular purchase balance and called and asked why they did not do what I had asked them to do and they said that the regular balance was paid off in XXXX and my requests werent able to be processed. Since my purchase was made on XX/XX/XXXX they couldnt bill me for it until XXXX so the promotional couldnt be paid for until it was billed so thats why they couldnt accommodate me. That means I also only have 11 months to pay off the promotional deal instead of 12 because it is considered from the time of purchase. I asked them then why wasnt my payment in XXXX put towards my promotional balance they said it wasnt billed until then and they are unable to change the payments now. So now in order to have the promotional paid off by XX/XX/XXXX I have to add an additional {$30.00} a month because I only have 11 months total to pay it off to begin with and one month was put towards my regular balance instead of where I asked it to be put.
Product: Money transfer, virtual currency, or money service

Hello, XX/XX/XXXX Call was placed and requested to dispute ALL XXXX transactions from XX/XX/XXXX until XX/XX/XXXX XX/XX/XXXX recieve email ( please read below ) and notice this doesn't have all the transactions in the dispute. I then place ANOTHER call and clarify with the rep and am given yet another dispute dispute number. I'm then promised an email with my dispute ( that was never received ). On this day I also respond to this email below with the additional information. I had my bank, cashapp and XXXX all highjacked. XXXX and my bank have already fully refunded me. ( see screen shots from bank in other email thread with the rep. 
XX/XX/XXXX I email ( please read below ) requesting confirmation my dispute is accurate. 
XX/XX/XXXX I call due to still missing the email, i request multiple times for a copy of my dispute or at least for the rep to verify what was all included in my dispute. I was met with resistance and hung up on by reps multiple times. 
XX/XX/XXXX I attempted to call AGAIN. With zero resolve. I'm told i must wait the 10 business days. 
XXXX This was business day 9 with no email and no clarification what was under dispute. I called AGAIN. Yet again zero and I mean ZERO resolve. Again asked to wait until XXXX ( the 10th business day ) XXXX I wake up with still zero resolve and zero refund. Your OWN ToS states if the investigation is not closed by 10th business day ( this was day 11 ) temporary credits would be issued. I call to get status and get told to chat. I chat and they tell me to call. Not a single person helped clarify any issue. 
XXXX I receive an email from a " manager '' assuring my issue had been resolve. A very VERY small portion of my refund had hit my account. 

XX/XX/XXXX Transactions Total {$660.00} XX/XX/XXXX Transactions Total {$3200.00} XX/XX/XXXX Transactions Total {$540.00} Total {$4400.00} I have attempted several times to resolve this. CashApp isn't even adhering to their own ToS agreement. I get hung up on by reps for requesting documentation of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to Equifax, XXXX, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX  -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX -XXXX XXXX XXXX   -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX  -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX  -XXXX  -XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I cant set up automatic debits from my pnc acct to my XXXX savings acct. Everytime I make a transaction with my PNC card, XXXX rounds the money to the nearest dollar and places it in a savings acct for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first found out that Consumer Adjustment was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed XXXX  that they were in violation due to the reinsertion. XXXX was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my XXXX report ; and once again after sending another request for validation they removed. 

To my surprise, Consumer Adjustment has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! XXXX is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that Consumer Adjustment was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.