23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Date : XX/XX/2019 Earlier this summer I requested information on how to remove PMI from my mortgage loan. I was give specific details from a representative at Mr.Cooper I was originally informed by a Mr.Cooper representative that in order to meet the requirements to remove PMI, the property in question would have to exceed a value of XXXX and or have substantial improvements. And both have been meet. I submitted a new appraisal. 

I have recently completed a detached 720 square foot garage. 
Complete kitchen remodel with new cabinets, counter tops and floor. 
One bathroom remodel cabinet sink and flooring. 
Along with an expansion of the driveway. 

I was informed todayXX/XX/19by a representative from the Arizona office that my request for PMI removal was denied for reasons of " no substantial '' property improvements. 

I am disputing their denial, I paid XXXX XXXX dollars for an appraisal just to be told " it's not enough ''. 


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

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX/XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX/XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my consumer report and notice I had 2 late payment from 2 different companies XXXX XXXX and XXXX Bank and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The 2 accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an online account with Experian in XXXX of XXXX in order to create a fraud alert and freeze my credit. I attempted to sign into my account on XX/XX/XXXX and XX/XX/XXXX and was unable to do so using the user name and password created during the initial online account set up. When attempting to reset my password, I was given a message that the password reset link was being sent to an email address I have never used and does not belong to me. Consequently, I am unable to access my online account because they have an email address on file that does not belong to me. I called repeatedly on XX/XX/XXXX and XX/XX/XXXX to speak with an Experian representative to correct the email address error and reset my password. I was stuck each time in an infinite loop with a virtual assistant trying to get to a human to help me with my issue. After hours of repeated attempts, I was unsuccessful in reaching a live person to help me. I am concerned that my online Experian account may have been hacked, but can not reach anyone at Experian to assist me. I have no idea how to proceed from here to get resolution to my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulant hard inquiry on my credit dating on XX/XX/19. I never inquired about services and/or credit card with Capital One.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I purchased a used XXXX Hyundai Accent from a dealership in New York XXXX called Hyundai of XXXX XXXX XXXX. I was informed that the previous owner had a lien on the vehicle and was unable to complete her payments, so she resold it to the dealership. I paid for the car in full using a cashiers check and received the bill of sale. Since I was living in New Jersey at the time, the vehicle was registered there. 

In XXXX, I attempted to transfer the vehicles registration and title to my new state of residence, Maryland. During this process, I discovered that XXXX XXXX XXXX records still show a lien on the vehicle. I never took out a loan or had a lien on this car, as I paid for it in full in XXXX. 

I reached out to the dealership where I purchased the car, only to find out that it has since closed and was bought out by a new Hyundai dealership, which does not have access to the prior dealerships records. 

After weeks of contacting Hyundai Capital America and speaking with multiple representatives, I was informed that Hyundai has no records they are willing to release regarding the sale and that they do not have a lien on record for the vehicle. They claim the issue is with the XXXX in New Jersey. However, after spending countless hours on the phone with the XXXX, I was told they can not remove the lien without proper documentation from Hyundai, such as a release of lien or a letter of no interest. 

Hyundai Capital America has refused to provide these documents and has not offered any solutions to resolve this matter. It seems that when I purchased the vehicle, the previous owners XXXX was either fraudulently or mistakenly not removed, and now Hyundai is refusing to help correct this issue.
Product: Mortgage

I found a foreclosure that never happened. I found many other loans that were obtained by using our identity. We are victims of ID theft reported to our local police.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting

XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I deposited a check for {$3000.00} via the Axos app into my consumer checking account. The initial deposit process went smoothly and the deposit was shown as " pending ''. On or about XX/XX/XXXX, the " pending '' amount, ( and all records of my transactions since I opened the account ), disappeared from the app, though I could still log in and read new messages at that time. I called customer care, and they told me that my account had been closed in XXXX due to inactivity and that since there was no account for the money to be deposited into that within a certain number of days, the writer of the check would simply see the money go back into her account. At that time, the money hadn't been drafted from the writers account. She called her XXXX XXXX, and they told her the same. 

On or about XX/XX/XXXX, the writer of the check informed me that the money had left her account and forwarded a copy of the check she had received from her credit union. This document showed that the money had been deposited with an institution called " Bofi bank, which is a former name of Axos. 

I have contacted Axos customer care many times and explained the situation, and have been told on at least twice that a cashiers check is in the mail. ( Once during a conversation on XX/XX/XXXX that a check should be mailed the same day, and again on XX/XX/XXXX that a check had been mailed on XX/XX/XXXX. ) The last check was due to arrive yesterday, XX/XX/XXXX, but it did not. 

At some point, I became unable to access the Axos app at all. I have contacted Axos ' customer care line multiple times to get updates and requested access to the app so that I can receive communications from them. Axos has continued to refuse to give out information to me directly by phone or email, even though those have not changed since I opened the account, but they won't give me access to the app so that I can receive messages either. 

I have no way to access my customer records with Axos now, but I do not have any record of being notified of the account being closed or suspended until I spoke to someone in XXXX. 

Today XX/XX/XXXX, I was on the phone with Axos customer care for 30 minutes and was told categorically that I couldn't be given access the app/messages, that they couldn't give me a direct contact within the company, couldn't do anything except forward the content of the call on to an internal dept that they weren't allowed to name. I asked repeatedly to speak to a manager or someone who had the ability to help. The customer service representative told me he was sorry that other people weren't doing their jobs, but that he couldn't tell me anything I asked about. I was told that someone would contact me but I have been told that before and it hasn't happened. I confirmed today that customer service calls are recorded.
Product: Checking or savings account

I have had my Chime account for some time and I was not able to access my account in XXXX they closed my account with over {$30000.00} ( XXXX for my business ) leaving me and my children destitute and eventually homeless. We were forced to live in my car. I had to use other emergency credit cards for food and necessities. I was unable to repay my credit cards. I was going to relocate my business to XXXX from NY and I was unable to do so ; I then had to shut down XXXX XXXX XXXX  and put everything into storage. I became unable to pay my storage unit and lost everything. I'm still trying to rebuild myself after all of this devastation. Worst of all I had to give my mother partial custody of my children because I lost the vehicle that we were living in as well.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there that are inaccurate, Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. XXXX Mortgage loan has inaccurate information that needs to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ( XXXX XXXX account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX account # XXXX ) ( XXXX XXXX XXXX  account number ending in XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

As of now, CAPITAL ONE AUTO FINANCE is reporting inaccurate and/or incorrect information such as inaccurate and/or fraud account on my behalf. This inaccurate information is defaming my character and causing my to suffer damages. I am requesting your assistance in having this inaccurate information removed forthwith. Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave CAPITAL ONE AUTO FINANCE any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report instantly. Somebody fraudulently used my information and drove off a car dealership parking lot with a whole vehicle. The account associated with the fraudulent purchase is Account Name : CAPITAL ONE AUTO FINANCE Date opened : XX/XX/2016 - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00}. I have never obtained any goods or services at this facility/company. I did not open this account and I refuse to pay this debt. CAPITAL ONE AUTO FINANCE has been annoying me with an unreasonable amount of annoying phone calls. Pursuant to 15 USC 1692 ( d ) ( 5 ), causing a consumers telephone to ring in a manner in which is annoying to the consumer is a violation of the law. CAPITAL ONE AUTO FINANCE has been threatening to sue me over this fraud debt. Pursuant to 15 USC 1692 ( e ) ( 5 ), threatening to sue a consumer is a violation of the law. Pursuant to 15 USC 1692 ( E ) ( 10 ), using deceptive means to coerce a consumer into paying a debt is a violation of the law. I am not sure what legal authority you have to disclose this information. This account is invalid and/or inaccurate. Under 15 U.S.C. 1681i ( 7 ), method of verification, this account is in violation it was reported without valid evidence. I did not provide any written, oral or informed consent for this account to be opened. This is obviously a systemic issue or fraud. Again, I had no knowledge of this account and it appears to be fraud. Please dispute, suppress, block and remove Account Name : CAPITAL ONE AUTO FINAN - Account number : XXXX Date opened : XX/XX/2016 - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00} from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX
Product: Student loan

Inquired about loan forgiviness as I qualify due to school closing, sent packet off certified no response or reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in credit report Dear Equifax, I am writing to dispute the following information on my credit report. The item I am disputing are marked and highlighted on the attached copy of my report. These items are Inaccurate and are damaging my credit profile. 

Disputed Items : XXXXXXXX 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 According to the credit reporting act, ( FCRA ) specifically 15 US code , 1681i, I Have the right to dispute inaccurate Information and request that a reasonable investigation is conducted. I have previously dispute these items, and they have come back as verified without proper evidence provided.

Specifically, I referred to the following subsections :. ( a ) ( 1 ) : Reinvestigation required. ( a ) ( 6 ) : Notice of results of Reinvestigation. ( a ) ( 7 ) : description of reinvestigation procedure I request that you investigate these items again and provide me with the following : 1. A detailed explanation of how the investigation was conducted as subsection ( a ) ( 7 ) 2. The contract information of the furnisher off the information as per subsection ( a ) ( 1 ).

3. Evidence from the furnisher that verifies the accuracy of the information as subsection ( a ) ( 1 ).

If the information can be verified, I request that these items be removed from my credit report, according to subsection ( a ) ( 5 ).

Please consider this letter as a form of dispute and correct these in accuracy promptly.

Thank you for your prompt attention to this matter Sincerely.
Product: Money transfer, virtual currency, or money service

Re : The remaining temporary provisional credits to be issued immediately to my account. 

I am providing documentation to show proof that I did report all of the fraudulent, unauthorized wire transfers and unauthorized fraudulent withdrawals from my accounts within the 60 day time frame. ( See attachments ) The reimbursement for the remaining unauthorized transactions for accounts should be reinstated and a temporary provisional credit should be issued for the remaining balance of the transactions for both accounts, as the investigation is on going. ( See attachments. ) There must be a temporary provisional credit for both accounts immediately, for the full amount, as the investigation is still on going, as and additional time was requested by the bank. 
The end of the ( 10 ) business day wait time for both accounts ended.

I also, went in to the bank for help to resolve this issue and got no help.

I was also not contacted by the claims/fraud department for additional documentation to provide proof of my reporting these unauthorized transactions from my accounts, the bank instead try to blame me for something that they didn't even bother to ask for, and then proceeded to prematurely close the investigation and assumed that I didn't have proof, ( which I do have proof ) .. to then deny the remaining unauthorized transactions. 

On XX/XX/2023 I tried to apply for a wells fargo personal loan when these unauthorized fraudulent transactions took place to try and recoup my money, and was denied the loan with a hard inquiry that is still on my credit report. 
Please see the additional documentation for proof of my reporting to Wells Fargo all unauthorized transactions for both accounts within the 60 day time frame. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.