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

Issue : Unable to access credit report from Equifax to get approved for a mortgage. Called customer service. Multiple agents have told me the same thing. " Please send us a cover-letter requesting your information be updated, along with copies of your social security card and documents pertaining to your residence in XXXX XXXX' XXXX I have provided everything including my D.O.B, address, and phone number. Included as well was a copy of a utility bill. 

As of XX/XX/2022, I, XXXX XXXX XXXX have consistently faxed required documentation to the number provided by Equifax information services. 
I have also mailed documents XX/XX/XXXX and XX/XX/XXXX to Equifax information services in an attempt to " unlock '' my credit report in order to proceed with my mortgage. No matter how many times I call Equifax the situation remains the same and they claim to have either 1. No record of me and I must submit documents 2. My Credit report is Frozen and needs to be unfrozen by submitting documents. And 3. There is a fraud alert on my credit report and must submit documentation for Identity verification. 

It has been 20 days since first submitting documentation to Equifax to verify my Identity. I have received two replies in the mail thanking me for my request, but must submit documentation, which was submitted in the request. 

Equifax is taking my personal private information and " losing '' it as I have submitted the required information countless times via FAX and twice via email. No Agent has been able to help me, and no agent will provide me any contact information for thos responsible for receiving my sensitive documents.
Product: Checking or savings account

Chime Bank has stole over {$1000.00} from my account. This particular transaction posted at the XXXX, Texas XXXX on XX/XX/XXXX, XXXX XXXX. I have contacted XXXX and this Transaction is nowhere to be found in their system. Also, XXXX XXXX XXXX is closed at XXXX. I have contacted Chime multiple times to files a dispute. Unfortunately, they closed my case without doing any investigation. I am now stuck with a near - {$900.00} balance that my XXXX direct deposit has went toward. I am still with over a - {$200.00} balance because of this. I have an active police report filed through The XXXX Police Department, a copy of my statement, proof of an overdraft limit ( Spot Me ) of {$20.00}, receipts of previous transaction that are time-stamped and match exact times associated with said transactions found on my statement ( this proves real-time notifications ), as well as transaction ID 's and other supporting documents. I am in the process of receiving other documents from the Detective, as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$2300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$370.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and have discovered unauthorized accounts and inquiries on my credit report. These items were not initiated by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

On XX/XX/XXXX The company contacted my home, my job, my mother and my grandparents house leaving voicemails saying if I did not call them back they would be serving me with Legal papers at my place of employment. On XX/XX/XXXX They contacted my job again saying they would serve me with papers at my job if I did n't take care of this. I asked what company he was callimg from and he said the bcl, I told him I never heard of that company and he said it was from a loan I had from XXXX. He stated they were willing to settlw the debt for a lump sum payment of over {$600.00}. I let him know I could n't do that. He then stated I could pay {$110.00} every other week until that debt was paid and proceeded to ask for bank account information. I aaked him to send me a letter of validation since I have never received anything reguarding this debt and he sent me a email that was very fishy. He then said if I did n't call him with my bank information they would sue me and serve me paperwork at my job.
Product: Mortgage

On XX/XX/XXXX contaced XXXX, went into a Foreberance program with Freedom Mortgage under the Covid Care Act. Once this ended we did a Modification and was approved in XX/XX/XXXX, documents arrived to our home a notary came we signed and notorized and sent back to Freedom Mortgage. We began our payments and noticed statements that were mailed were not updated. My wife called to find out the problem, she was told it would be corrected. After several calls regarding the situation we were advised that they were behind in inputting data in their system. Not until XX/XX/XXXX after numerous calls a reprsentative took the time to investigate the problem. Turns out the docs we signed and notorized had the incorrect principal and interest therefore it never recoreded. Since this was Freedoms Mortgage error I asked for them to send the correct docs so we could be done with this. After severl months of calling for updates and not receiving updated docs we were informed we had to go through the modification process again. So we did, I received an approval letter for interest of 3.125 percent and I called to confirm that i accept, it was recorded and we began our new monthly payment. We received docs via XXXX  XXXX opened them and my wife noticed the cover letter was dated XX/XX/XXXX with the incorrect docs enclosed. I called Freedom Mortgage to adivse them of another errror on their part. Once again i was told the correct docs would arrive as they put me on priority notice. We to this date have not received the docs with the interest rate of 3.125 that i aggreed on. In the mean time after several calls we were informed that too much time had passed and we would have to go throught the process for the thrid time. I said that was not acceptible and i want the interest of 3.125 and modification that i agreed to. 
A reprsentative from Freedom Mortgage adivsed us to go through it agian for paper procdure so we will not go into Foreclosure. I wanted them to note that i agreed on the Letter dated XX/XX/XXXX of what i confirmed to accept with the 3.125 interest and due to Freedoms inability to process this on a timely mannor is not fault of mine, as the rest of this situation. I feel presurred becuase the new lettere i rececived on XX/XX/XXXX stated the new interest is 3.625 and we have to answer by XX/XX/XXXX. This company has failed to do there proper process and i have totally complied with all that they asked of me. I feel railroaded and i want this to be know and for someone to listen to me. 

thank you for your time XXXX XXXX XXXX ( XXXX ) XXXX Freeedom Mortgage Loan Numberf is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I filed XXXX  XXXX XXXX of XXXX  and XXXX was listed on the schedule when I filed. XXXX XXXX  filed a lien on my property XX/XX/2009. XXXX has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX I called upgrade to provide program options for financial hardship and I was advised that they could put me on a XXXX month hardship program where my minimum payments would be reduced temporarily for XXXX months and any past due amount at the time of program enrollment would be tacked onto the end of the loan/line of credit. I was advised that my payments would go back to my regular monthly pay of {$230.00} following the XXXX months. After I finished program my minimum payment increased to over {$400.00} with no logical explanation. It all appeared to be some type of scam. I spoke to rep and supervisor and was advised that it could be accrued interest or my past due XXXX payment that they are tacking onto my current payment which doesn't make sense and was not what I agreed to and was told by the rep back in XXXX. At the same time upgrade lowered my line of credit from {$5000.00} to {$1000.00} without notice during this time and placed a hard hit to my credit. This company is a fraud and scamming people out of their money.
Product: Credit reporting or other personal consumer reports

I requested documents that provided proof I gave authorization for these inquiries to be furnished on my consumer report. XXXX did not provide me with any evidence or proof that these inquiries were authorized and responded with no proof of authorization but further reported the inaccurate information on my consumer report every month. I am attaching an identity theft report to this complaint as these inquiries are unauthorized to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX UPDATE LETTER Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was scammed online and could not get help from there customer services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion to have my credit unlocked for one day so my XXXX XXXX XXXX XXXX rep XXXX could view and raise my available credit card amount. I paid {$10.00} and was given XXXX. I provided this to XXXX and he calls me back saying that number does not work. I call Transunion and tell them the number did not work. Their rep says he double checked and it was valid. I called XXXX back and he tries it and it does not work. I tell him I do not know any other recourse but for him to try hourly. I call TransUnion the next day, today, and repeat my request to have my credit unlocked for free because the number I was given did not work the day before. He did not understand though I repeated it 4 times. His method was for me to pay again and get another unlock code. I then spoke with his supervisor who said since I did not call back when card did not work he could only charge me again to reopen. I pointed out that I did call back and because Transunion did not follow their own rules in documenting my calls was no fault of mine. The fact remains I paid {$10.00} for a valid code and Transunion does not feel they have any responsibility to hand out working codes for the fees they accept!
Product: Vehicle loan or lease

It came up on my credit report that I got a car loan for XXXX XXXX a month 45 months to pay and I do not have this car it was purchased XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing this information for the past two years and in the process learning my rights as a consumer and have stress the issue of the accuracy as well this account was not mine to initiate from the very beginning Ive stress that I have no clue of this information and only thing Ive gotten is written letter stating this was done online with electronic signature basically not actual signature or contract Ive also tried uploading documents in which transunion will not allow me to do this as consumer on there website I mail in documents and they say they do not get them police report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at Citibank NA, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX  Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies i have identified in my credit report, which are detrimental to my creditworthiness and personal reputation. The erroneous entries pertain to unauthorized Accounts and incorrect personal information including names, addresses, and employment history. Aa a seasoned consumer law attorney I are aware of the requirements under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data industry Association ( CDIA ) guidelines, and I demand immediate recertification of these errors. as every attempt to notify or contact the credit bureaus has been ignored
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX-Credit card charge off this Account is older then 7 years and wrong amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my annual credit report i noticed errors reporting on my credit file.
Product: Money transfer, virtual currency, or money service

Venmo sent me a XXXX. It says for " payment of a car ''. I haven't bought or sold a car in more than 4 years ( almost XXXX ). I do not have a business. I do not receive money for goods or services. I only use XXXX  with my daughter and my boyfriend. I reported that the XXXX is incorrect on many levels. XXXX shut off my account. They send me emails regarding how to reactivate my account but they do not address the incorrect XXXX. They were unreachable by phone several times and when I finally did get through, I was on hold for an hour and then they hung up on me.
Product: Credit reporting or other personal consumer reports

This complaint is over XXXX  days and should be removed from my credit report because based on the fair credit report agency anything over XXXX  days or XXXX  days is noncompliant and must be removed from my credit report
Product: Vehicle loan or lease

On XX/XX/2023 my wife and I bought a XXXX XXXX and financed $ XXXX.through Hyundai Motor Finance company XXXX On XX/XX/XXXX we paid the vehicle off. 
Unbeknown to me or my wife, the dealership erroneously created two accounts for us with Hyundai Motor Finance ( same VIN within each account ). One account shows we paid the vehicle in full. The other account shows we never made a payment. I have been in touch with Hyundai Motor Finance no less than 10 times trying to rectify the issue, one of those times i coordinated a conference call that included the dealership. 

In October I filed a formal complaint with the company and they have since assigned someone from their Customer Care center. I spoke to her one time three weeks ago, left three messages since, and get no response.

Hyundai Motor Finance has not released my title- they still have an electronic lien against the vehicle on file with the state of XXXX. 
Hyundai Motor Finance continues to send collection documents to me and my wife and now state we are in default and are threatening legal action if we don't pay for the vehicle by XX/XX/XXXX. 

I am concerned that Hyundai Motor Finance will fraudulently make negative credit reports against me and my wife when they are very aware that such reports would be untrue. I am also concerned about legal action they my take against me even though that action is without basis.
Product: Credit reporting

I just turned XXXX and I want to make sure my credit is clean. I have had notifications that someone had applied for credit in my name. I have had XXXX inquiries on my credit report, and I just graduated from high school. I did not make any inquiries on my report, and want to make sure that I am not a victim of identify theft. At this point, I feel that this has possibly happened, as they had my addresses from the last three places I lived.