23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

RESUBMISSION OF COMPLAINT. 

I am requesting that this complaint not be closed. As I and you know AES will not take responsibility for their actions. Simply taking their word over mine is not a thorough investigation of their actions. I am requesting that they provide you with a promissory note in the amount of the original balance they allege I borrowed in the amount of XXXX. They doubled the original amount that is what they did. I am not disputing the true original amount which is around 30K but less than 40K. I am not disputing the default. I am disputing everything else as well as how they misappropriated my payments which was done in a way to keep the loan open. I am also disputing the lender on the account as I called the lender and they have no record of me. They keep records of their borrowers and because I am still overpaying the loan they should have record of me. The lender instructed me to get to the bottom of this with AES who keeps dodging questions and acting ignorant as to what I am asking. I believe I made myself clear to them. 

To AES XX/XX/2022 I want to make myself real clear as well as document my request which has yet to be received. I asked you to send me a promissory note of the alleged original balance that you claim I borrowed. So far, that has not been done. The promissory note provided to me is around 30K but less than 40K. Again, to be clear I said the loan was overpaid as you charged me twice. Again, to be clear I requested all overpaid funds including interest along with capitalization regarding the overpayment to be refunded. Again, to be clear I stated that the payments made to you were not properly distributed meaning you applied my payments to a consolidated loan in such a way that benefited the lender. You purposely kept the loan open making sure it was never going to be paid off. Again, to be clear I called the lender and they said they have no record of me. Even though AES services their loans they keep a record of all their borrowers. They checked their old system and their new system. At which time, they told me to contact you regarding the discrepancy which I have done. For the last time, provide me with the promissory note in which you allege my original balance was in the amount of XXXX. I am telling you now I know you can't because it doesn't exist. This was/is and still is being overpaid that simple. So, stop with the lies.
Product: Debt collection

I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

This is related to : ID FOR COMPLAINT SENT TO XXXX XXXXXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO EXPERIANXXXX I called the bureaus today ( XX/XX/XXXX ) to check on the status of my disputes but they're saying that they did not receive my complaints. I checked my CFPB report status today and it says here that the companies responded to my complaint. How is it possible that they responded to you but when I spoke to them, they're saying that I don't have any open complaints? This is just unacceptable. I am victim of identity theft and I'm afraid that the person or people behind this are getting away with their crimes freely and you are not taking actions to protect me and my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested for Hyundai Motor Finance to stop sending me Notice of Default letter. For a loan that i never received form them and to remove there name off of my credit report and off of my Certificate of Title. 

On XX/XX/2022 Hyundai Motor Finance hired a tow-truck service company to come and steal my car. After I call XXXX police the Police Officer came out and found out that it was order my Finance Company. I informer the officer that I do not have a Finance Company. When the car was allegedly stolen they did a lot of damage. 

On XX/XX/2022 I filed a claim with my insurance company for theft of property. 

Hyundai Capital has impacted my life by there deceptive and deceiving practicing. 

I filed Bankruptcy it was the only thing that i could think to do at the time. The Bankruptcy case has been dismissed. 

On XX/XX/2022 Hyundai Capital America ( HCA ) DBA Hyundai Motor Finance filed a proof of Claim for {$29000.00} for money loaned that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



******XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX***** +*****700 XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX***** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX***** *****ALPHERA XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX***** *****XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX***** *****XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX****** ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 946-0332******* ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX  XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Cable TV Providers XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** ******XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX****** ******XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX****** ******XXXX/XXXX/XXXX/XXXX/XXXX/ XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX***** ******XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
Product: Debt collection

I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.
Product: Mortgage

I initially started the mortgage process with XXXX and todays before closing XXXX called me and informed me that they had made mistake, and I needed touring an additional {$28000.00} to closing. I spoke to numerous supervisors within XXXX and no one could explain to me what had gone wrong. All they said was that I needed to get the money. 
we closed in XXXX XXXX, XXXX. And my mortgage payment was {$3000.00} now were in XXXX XXXX and Nationstar is now handling my mortgage. And my mortgage payment has increased to increased to {$4300.00} I contacted Nationstar and there response was that XXXX made an error and they would reach out to XXXX and they would contact me once they gotten answer. However that was my new payment. Im a XXXX veteran with a full time job. Thats an increase of {$1200.00} I simply can not afford that. Nationstar has not called me back. And I 'm in fear of going into complete financial turmoil. 
I would 've never agreed to a mortgage payment of {$4300.00}. 
I paid everything I was supposed to. And i feel like I was deceived or they simply do n't know what their doing and they are not being held accountable for ruining peoples lives. 
XXXX and Nationstar mortgage have all the Truth in lending contracts, closing paperwork, as well as all my personal and financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the XXXX XXXX. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made on time payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

My medical insurance covers yearly physicals at 100 %, and I verified XXXX XXXX XXXX XXXX XXXX 's office that the visit on XXXX/XXXX/2013 would be billed as a physical. When the bill was sent, {$250.00} was billed as a physical ( and therefore paid in full by insurance ), and {$130.00} was billed as a " Room Rental Fee '', so it was not covered by insurance. ( Note that this charge was reduced to {$96.00} by a discount for having insurance. ) I never rented a room from XXXX Hospital, nor did I authorize them to charge me to rent a room. The physical was not performed at the hospital, and I was only in a patient room for the couple minutes it took to complete the physical. When I contacted the hospital on numerous occasions to resolve this, they were unwilling to change the coding. My insurance company would have been happy to cover the cost if the bill was coded correctly as a physical. The outstanding bill was turned over to a collections agency, who ceased contacting me when I told them what had happened and that the bill is not mine, but instead a mistake on the hospital 's part. The hospital has now turned this charge over to the credit bureaus, which has hindered my ability to purchase a home as my score dropped by around XXXX points. I am contacting you because as a consumer this is my only course of action to get this problem resolved without involving legal action, which will be my final step if this is not able to fix the error.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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: Mortgage

My loan was transferred to a new company ( Mid America Mortgage ) last XXXX and Payments that I had already made to the previous loan servicer for XXXX and XXXX ( XXXX  ) were taken out of my bank account, but not applied to my mortgage. Since then, the new company is stating that I am delinquent on my account and will not allow me to make on-line payments or take a payment over the phone, however payments I have mailed for XXXX and XXXX have not been cashed. They are stating it's my responsibility to provide that I have paid them before they will " move any farther '' on my account. I have provided bank statements for XXXX and XXXX showing the payments taken out of my bank account, but there is no way to " prove '' that I sent the XXXX and XXXX payments other than copy of my check register. 

I have tried to call them multiple times over the past two months, but wait on hold for excess of 2 hours being told I am " 10th in que '' ( for two hours ) or " next in que '' for over an hour, then the call is disconnected. When I select the " schedule a call back, and you will not lose your place in line '' option, no one ever calls back. 

A representative from the company called me today to tell me I was four months behind on payment, and when I offered to pay it all on the phone, he said he " could not do that until this is resolved. '' When I offered that paying it would " resolve it, '' he stated he could not do that, and I needed to email them " proof '' that I have made my payments. 

I am concerned that this will eventually lead to them trying to foreclose on my home, despite me trying multiple ways to pay my monthly mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted Equifax XXXX online XXXX, XXXX and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
Fraud alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Product: Checking or savings account

I am formally expressing my profound frustration and concern regarding my ongoing issue with J.P. Morgan Chase Bank. I have been inexplicably unable to access the funds deposited by the Internal Revenue Service ( IRS ) into my account, and this situation has escalated into an exceptionally distressing ordeal.

Over the past several weeks, I have contacted the bank on multiple occasions, only to receive conflicting information. Some representatives have informed me that my account has been closed, while others have assured me that it remains active. This inconsistency has left me uncertain of the status of my account, despite diligently following all the recommended steps. Regrettably, despite each time I contact customer service, I am advised to wait XXXX hours or XXXX business days for a resolution, only to find that nothing has transpired. Furthermore, I am currently experiencing financial hardship as I am undergoing XXXX treatment. Every dollar is indispensable for my medical care and daily living expenses, and this delay in accessing my funds is causing significant strain on my well-being. 
In the past, I sought assistance at a local branch and was provided with guidance by XXXX at the XXXX XXXX XXXX and XXXX location in XXXX XXXX, where I provided the necessary documents and was advised to wait while the review was complete before contacting the department handling this matter. The contact information for this department is XXXX ( XXXX ) XXXX, option XXXX. XXXX demonstrated exceptional professionalism, providing me with a business card, but unfortunately, my issue remains unresolved. 
I am compelled to escalate this matter to my attorney and request contact information to your legal department. Providing this information is crucial, as I understand that some departments do not directly engage with customers without it. My attorney has advised me that they will pursue the necessary legal avenues to obtain it. 
Kindly guide me to someone who can assist me in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ATM card # XXXX
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXX Go Financial 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.

I need this item removed from my credit report immediately or further legal action will be taken.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX