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

I initially financed my XXXX  XXXX XXXX through Hyundai Motor Finance. In XX/XX/2021, I decided to refinance with my current credit union. My credit union paid off Hyundai 's loan on XXXX XX/XX/2021. It is now XXXX XX/XX/2021 and the Hyundai is still reflected as lienholder. I called Hyundai several times in XXXX, several times in XXXX, XXXX XXXX, and again on XXXX XXXX. When I called in XXXX, I was told that they'd send a message to the title department to release the title. I explained that this is Florida, and they have to electronically release the lien. I was told it would take 3-5 days each time I called. My credit union even three way called Hyundai in XXXX to explain the process. They advised Hyundai that it should only take 24-48 hours to do this, and again, we were promised it would be done. On the calls in XXXX and XXXX, I asked to speak with a manager, who told me the same exact things. I was promised it would get done. On XXXX XXXX, I spoke with a rude " manager '' who tried to tell me how it work, saying they just have to send a release in the mail. And when I visited the DMV today, they told me that is NOT how it works. They HAVE to call the state of Florida to release themselves as lienholder and there is nothing anybody can do until that is done. I called Hyundai again today, XXXX XXXX, after my DMV visit and the manager was never available to speak with me. The representative kept saying she would send another release in the mail to my credit union but this isn't what needs to be done. I only need someone to release the title electronically since it is the state of Florida. Meanwhile, I continue to receive notifications from my current credit union because they haven't received a title yet. It is frustrating and shouldn't take this long for something that literally should only take 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive
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 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 Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to respond to a recent credit report, I have not been provided with any documentation or evidence to support the said claims. I request that you dismiss all of the claims against me and remove all injurious reporting against me. If the reported item or items are potentially lacking in the mandatory documentation evidence of physically verifiable factual proof that the claim is true, the reporting is true, the claim is accurate, the reporting is correct, the claim is complete, the item is full, the claim is timely, the item is accurate, the item is timely, the person responsible for the claim is responsible for the claim, the item is true, the item is correct, the item is complete, the person who reported the item is responsible, the item is in compliance with the Metro 2 format and/or complete and perfect. I demand that you demonstrate to me that you have the legal authority to conduct business with a contesting consumer. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  - XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX - XXXX {$130.00} XXXX XXXX - XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, while logged into my Visa card account, I looked at my credit report from Experian. I noticed on XX/XX/XXXX, a Hard Inquiry was done from " XXXX  XXXX XXXX XXXX ''. I looked this up, it is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I phoned them to ask what they are doing with my credit report. Spent about 1/2 hr on phone, they took my info and said someone from their fraud dept would get back to me. Three weeks later and still no call. I am a retired person, never had a small business and di not apply for any funds. Someone would have to have my Social Security number to do this. My internet searches show this is where a small business applies for money due to Corona Virus relief. I tried calling them back at XXXX, on XX/XX/XXXX but that was not successful. I did an online complaint at XXXX on XX/XX/XXXX. ID # XXXX. No response received. Tried calling Experion today, XX/XX/XXXX to do a dispute. Their site directed me to file a dispute online. I tried that but when I got to the screen showing the Hard Inquiries, it said I CAN NOT file an online dispute. The XXXX ph number given for help was a joke and still could not speak to someone. Called Consumer protection Bureau today, Also submitted a report to Identity Theft.gov, ref XXXX. I downloaded a mail in Dispute from Experian and will send in. I really dont know if someone has my idenity or not. I show I was breached from XXXX. I have not seen any other issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender Credit Acceptance paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to credit acceptance by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and  then proceeds to tell the delinquent payment was from the first month I opened the account back in XX/XX/XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file. 
This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : XXXX XXXX XXXX  XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting. 
In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance Owed : {$1800.00} XXXX. XXXX XXXX number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXXXXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received an email from XXXX stated that someone is trying to open a Wells Fargo Bank account under my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX {$1100.00} 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: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter in the mail from VyStar Credit Union stating that an account was in the negative - XXXX I've never heard of this Credit Union and where I live there is no VyStar.. I called the company and they told me to report it to the local police and my bank, also report it as fraud..
Product: Checking or savings account

On XX/XX/2023, around XXXX XXXX I attempted to deposit {$300.00} cash at the Wells Fargo ATM, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After inserting my debit card and entering my pin, I selected DEPOSIT and inserted {$300.00} cash into the feed. I then noticed that the machine feed was not working properly so I canceled the transaction and started the process again. I then re-entered my debit card and pin, selected DEPOSIT, and inserted {$300.00} cash a second time into the feed. The feed accepted the cash deposit, but due to a malfunction started rolling over repeatedly as though it was processing the deposit without stopping. I waited approximately five minutes for the deposit to be returned or for the ATM to render a receipt. Neither happened. After that, on the ATM screen appeared a goldish/yellowish sign that read words to the effect of a " technical issue ''. I then selected " return card '' for fear my ATM card would not be returned. I immediately summoned the Security Guard at the entrance to the bank who was a few feet away. I asked him to look at the ATM to witness the problem with the machine. He then directed me to go inside the bank and inform the teller which was near closing time. The teller gave me her business card and told me to contact the Claims Department since she was unable to resolve the issue at the Branch. The name listed on the card is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Tel : ( XXXX ) XXXX ). XXXX. Around XXXXXXXX XXXX  on XX/XX/2023, I left the bank and contacted the Claims Department around XXXX XXXX  from my mobile phone. Sometime later the bank granted me a " provisional credit '' pending the outcome of their investigation. However, upon completion of their investigation, they indicated that there was no malfunction with the ATM and opted to reverse the provisional credit by debiting my account for {$300.00} which devastated my finances. I have been a long-time customer of Wells Fargo for over twenty-plus years and have never experienced anything of this magnitude. Although at times when I deposited cash at the ATM if there was a problem with the currency being wrinkled or too many bills, the machine returned the money to me. I would then re-enter the cash deposit with no problem. As a result of their decision to rescind the provisional credit of {$300.00}, I may be forced to close the account. I am heartbroken that I was treated this way by a bank I thought I had established a long-time relationship with. Apparently, they are no longer interested in my business.
Product: Credit reporting or other personal consumer reports

I can not see my free annual credit report. When I went to transunion website, it just kept the loading page up for my credit report. I never got to see my report. I have sent a screenshot of the previous report and what keeps popping up when I try to view my credit report. I have called in twice and have used to live chat twice over the past 45 days and this issue has not been fixed.
Product: Mortgage

I have filed complaints about Shellpoint who is my loan servicing, they refuse to help me get a repayment plan that I can afford. They keep saying that they can not get a XXXX  month repayment plan approved, why not, you are my again my loan servicing company. You should help people instead of threatening all the time about foreclosure, you could talk to the investor and show them all the correspondence I have sent, all the problems I have had. Like my husband is XXXX from a terminal illness and is in home hospice care. But no I just get the same old story, your investor will not allow a XXXX  month repayment plan because you are in foreclosure, FORECLOSURE HAS BEEN ON HOLD FOR A YEAR, and why would I tell Shellpoint that I have XXXX to put as a down payment on repayment plan if I wasnt going to pay the repayment plan? I think Shellpoint needs to STAND UP for the people that they service instead of cowering in a corner, waiting for people to lose their home because no one at Shellpoint will explain to the investors what has happened. Shellpoint is a joke. They just want to take a XXXX XXXX XXXX mans house, the only thing he has left, he is XXXX and Shellpoint wants to kick a XXXX XXXX XXXX retired veteran out in the streets because you cant speak XXXX on XXXX to investor. This is not fair practices! If someone is putting down a substantial amount of money on a repayment plan, not pay the payment. I am going to fight for my house with my last breath. I have done nothing wrong except get diagnosed with a terminal illness, and XXXX and you want to put me in streets. We have no where to go. Talk to the investor dont give me they wont let us do this that is not acceptable especially because XXXX has been and still is on hold.
Product: Debt collection

National Credit Adjusters , LLC. has refused to verify a debt with speedy cash. I have asked for the original document 3 times now with my signature on it, the date, & amount owed as I have zero clue of where this debt came from. I have now disputed this 3 times. Also, it is XXXX XXXX XXXX supposedly. NCA has a history of questionable tactics that have resulted multi -million dollar lawsuits. I believe they have not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXXXXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX or any of the other addresses listed on my report.
Product: Credit reporting

This letter is a formal complaint that Transunion you are continuing to report inaccurate, and invalidated credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate invalidated information is a mistake on your part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
AS I HAVE PREVIOUSLY DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE INFORMATION WITH TRANSUNION BEFORE, AND TRANSUNION HAS RESPONDED BACK TO ME VIA THE CONSUMER FINANCIL PROTECTION BUREAU PORTAL, THAT THE FOLLOWING INACCUARTE ACCOUNTS AND NAMES HAVE BEEEN COMPLETLY REMOVED FROM MY CREDIT REPORT! AS OF XX/XX/2016 WHEN I RECIEVED MY NEW CREDIT REPORT FROM TRANSUNION THE FOLLOWING DISPUTED INACCUARTE INFORMATION, THAT TRANSUNION WROTE BACK IN THIER RESPONSE TO ME VIA THE CONSUMER FINANCIAL PROTECTION BUREAU PORTAL THE INACCURATE INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I WOULD LIKE TO ASK TRANSUNION WHY? THIS INACCUARTE INFORMATION IS STILL BE DISPLAYED ON MY PERSONAL CREDIT REPORT? 

THE FOLLOWING INVALIDATED ACCOUNTS INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT : INACCUARTE NAMES : XXXX WHO IS THIS? 
AND XXXX, XXXX WHO IS THIS PERSON? I HAVE NEVER USED THESE INACCUARTE NAMES, AND I WOULD LIKE TO KNOW WHY THEY ARE CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT? 

MY LEGAL NAME IN WHICH IS THE ONLY NAME THAT I USE SHOULD BE BEING DISPLAYED AS FOLLOWS ONLY : XXXX PLEASE MAKE SURE THAT MY NAME ONLY REFLECTS AS LISTED ABOVE. 

INACCUARTE DISPUTED ADDRESS CURRENTLY BEING ILLEGALY DISPLAYED ON MY TRANSUNION CREDIT REPORT : XXXX, CO XXXX I HAVE NEVER USED THIS INACCUARTE ADDRESS, AND I HAVE DISPUTED IT WITH TRANSUNION SEVERAL TIMES, THIS ADDRESS SHOULD NOT BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT! THIS ADDRESS SHOULD BE COMPLETELY REMOVED AS PER TRANSUNION HAS WRIITEN BACK TO ME AND STATED THAT IT WAS! 

XXXX ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? I HAVE REQUESTED THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED DEBT, AS OF XX/XX/2016, A LEGAL VALIDATION OF THIS DEBT HAS NOT BEEN MADE, THIS ACCOUNT SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX, AND XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports