23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Someone has stolen my information, this person has dedicated himself to ruining my credit by opening multiple credit accounts in banks such as capital one, credit one and loans in different financial agencies, I no longer want him to use my information and ruin me in this way here I will leave the details of that person 's accounts, apparently he uses a device with the name XXXX, his address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX, this thief has committed around XXXX inquiries under my name I need help! 

DETAILS : XXXX XXXX XXXX XXXX Other {$1500.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX  Account Type Not XXXX Responsibility Individual Age Of Account 0 Years, 2 Months Credit Limit Not Reported Highest Balance {$1500.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original XXXX XXXX XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 3 Months Credit Limit Not Reported Highest Balance {$3800.00}. 

Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 5 Months Credit Limit Not Reported Highest Balance {$680.00}.. 
Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$620.00} Account Details Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$500.00} Credit Used 125 % Highest Balance {$620.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

This is the third complaint about the same issue for a transaction dispute with axos bank. I have received a response from the last complaint the bank has provided me with documentation from the merchant XXXX, However this doesnt validate my claim. It shows the information on the transaction but NO PROOF OF DELIVERY. As I have stated several times in the past NO MERCHANDISE WAS RECEIVED. The corresponding documentation from the merchant does not show any proof of delivery for merchandise. Also please re review my documentation with the merchant stating they will refund me for the missing merchandise. I STILL HAVE YET TOI RECEIVE THIS REFUND FROM AXOS BANK NOR THE MERCHANT. BOTH PARTIES ARE LYING TO ME. axos bank is refusing to help in disputing the transaction to retrieve funds bank from XXXX even after stating the refund has been processed several times ( see documents ) AND OR axos bank has received My refund and has yet to return it to me as they ending the banking relationship. I HAVE PROVIDED ALL PROOF OF DOCUMENTATION NEEDED FOR THIS CLAIM. XXXX XXXX has provided return policy and that no item was returned. I CAN NOT RETURN WHAT I NEVER GOT. Also they have agreed to refund me for this. As documentation shows. I am unaware of the lack in communication here and what involved parties do not understand, after several attempts to get documentation from axos and after reviewing it appears the dispute was filed incorrectly or someone is just not getting it. This is MERCHANDISE NOT RECEIVED. AND the merchant promised a refund for the issue. Am I not getting it? I am unsure why the last documentation is talking about no item being return no credit is due dispute is invalid. Review my documentation that XXXX promised me the refund. Has not provided any proof of delivery. And axos is not helping in the matter,. XXXX XXXX XXXX if someone can reach out to me I would appreciate it. There is STILL NO VALID DOCUMENTATION OF DELIVERY CONFIRMATION OF MERCHANDISE NOR PROOF OF CREDIT ISSUED.
Product: Mortgage

On XX/XX/XXXX, I spoke with a Third Federal Mortgage officer ( XXXX XXXX ) about a XXXXXXXX XXXX  advertisement. After speaking with XXXX XXXX, he advised me that I would be good with my current mortgage rate until XX/XX/XXXX. So no further action was necessary according to XXXX XXXX. I asked him to supply me evidence of this conversation via email. He did comply. 

But upon reviewing my mortgage information on XX/XX/XXXX, the mortgage has adjusted to a higher rate and will increase by XXXX on XX/XX/XXXX. I promptly called Third Federal for an explanation. All that was provided is they were sorry you were provided incorrect information. This was unacceptable to me, So I asked to speak with a manager XXXX  XXXX XXXX XXXX took the call. She just reiterated the same dialogue. She then put me on with another manager ( XXXX XXXX )... she understood my concerns, but doesn't think they can rectify their error. I even paid the XXXX required of the XXXX XXXX XX/XX/XXXX and they further stated it will take a XXXX  to take an effect. I have been advised incorrectly when trying to secure in XX/XX/XXXX and then again after they took my XXXX fee. Very deceptive business practice.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Hyundai Motors in XXXXXXXX Ohio, regarding the leasing of a vehicle to XXXX XXXX, for which I, XXXX XXXX, acted as a cosigner. Unfortunately, we have encountered several significant issues which have created difficulties for me ( XXXX XXXX and XXXX XXXX. 

We were initially provided with temporary car registration by Hyundai motors, and while Hyundai verified XXXX 's car insurance, they did not request my insurance details, or direct information, per information they relayed as I am merely the cosigner and not the primary driver or driver on vehicle in general When we attempted to register the vehicle, I discovered I ( XXXX ) was suspended from registering any vehicle, which I was unaware of until XXXX XXXX visited the Ohio BMV in person to register the car. Because of this XXXX was told she could not register her car unless my name ( XXXX ) was removed off the title. 
They advised us to contact Hyundai to remove my name from the title so that XXXX could register the car while I sorted out the issues with my license. Following the instructions provided by the BMV, we reached out to Hyundai Motor, to see what other options we had to get the car registered or the process to take to have my name ( XXXX ) off the title. 

Unfortunately, Hyundai has been uncooperative and has not provided reliable assistance or information regarding this matter or even assistance in the name removal off title process. They indirectly indicated that there was nothing they could do to help us. As a result, the vehicle remains parked in our garage for over 3 months, causing significant inconvenience and financial strain since we are responsible for monthly payments without the ability to use the car. 
This situation has left us without transportation, affecting our daily lives and activities. I urge your office to intervene and help resolve this matter with Hyundai Motors so that we can access our vehicle and alleviate the financial burden we are currently facing. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir ; i have filed a complaint of Identity theft with the Attorney general of Massachusetts. 
I have a loan from Santander Consumer USA of an Automobile that i have never ordered or purchased. It is identity theft and FRAUD!!! 
according to XXXX it is an outstanding loan stared in XXXX of 2014 i never ordered this 2009 XXXX   XXXX. and never driven and never bough this vehicle. 
i hat XXXX XXXX the are very troublesome.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Mortgage

XXXX assisted with Loan Modification-with PHH Mortgage Services-provided all documentation/on XX/XX/2020 PHH Mortgage Services XXXX XXXX XXXX XXXX sent Decision on the Request for Mortgage Assistance Trial Period Payments {$2300.00} which is UNAFFORDABLE- when XXXX contacted PHH Mortgage Services they USED for income amount $ XXXXmonth oppose to my actual income {$5000.00} amount. 

PHH Mortgage Services Underwriter DIDNOT act in GOOD FAITH AND USED FALSE INCOME and yet I am now behind 4months of Mortgage payments-since XXXX PHH Mortgage asked me if I wanted Forbearance-I refused and requested Loan Modification. PHH Mortgage asked if any damages to property as if a buyer is set up to take over my property. I believe this question is not a part of the Loan Modification process and want to Report due to possible appearance trying to KEEP PROPERTY UNAFFORDABLE PHH Mortgage sent XXXX  XXXX  as the holders/interests in my property -- this is my only residential property for my family and I.
Product: Checking or savings account

TD Bank XXXX  XXXX XXXX, MA Checking Account Six / Seven Day Hold of Check XXXX XXXX a six day hold on a {$2300.00} check deposit. My records show the money left the other account on XX/XX/. I asked several bank representative at TD why a 6 day delay on the deposit on XXXX XXXX / XXXX. The bank stated in a video recording the six day hold on a checking account deposit is a TD bank standard for new TD customers. I asked the bank to produce the banks literature on this universal standard to share with the FDIC, Federal Trade Commission and Massachusetts State legislature. The bank representative looked on the computer for five to ten minutes to produce these in print and could not find the specific standard in writing. 

I think the six day delay of the deposit is to produce an overdraw fee as a predatory fraud scam. It is my understanding when setting up this specific checking account the bank would block an overdraw charge. Instead the bank did not make me aware of the deposit hold formally in writing until XXXX / XXXX / XXXX  and allowed several transactions to go through creating overdraw fees to profit and create a anxiety in me the bank customer to effect as further psychological advantage in further interactions ; will my check clear in a normal time frame or will I have to wait six days? This kind of unusual delay on a deposit is predatory. The banks new explanation is that the check deposit hold is dependent not on a universal TD bank standard of new customers but my own credit. 

From my understanding my credit is good. I have never had a six day hold at any bank before. The hold on the deposit is now up to 7 days stated in a letter issued on XXXX / XXXX / XXXX  ; the day I placed the check deposit and confirmed it left the first account. 

There is no mention of a standard six day hold / delay of all new TD checking accounts deposits claimed by TD Bank in the video recording stated by the bank representatives in this letter. Attached is the video where the TD employees assure me a six day hold is standard of TD bank. Still no specific evidence from the bank confirming this universal six / seven day standard. I would like to press this issue legally if possible. No bank in the United States should stop a check from being release six days as a standard ; it should be three day. Six to seven days is predatory and toxic to the economy. 

Below is a link to the above mentioned video : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report inquiries to my credit profile claiming validity from a computer generated confirmation even though this debt is not mine and was obtained from identity theft It also shows that Equifax continued to allow XXXX to report a debt increase of a medical bill that was under {$500.00} to continue to report to my credit profile illegally Law states that medical bills under {$500.00} can not remain on your credit report Even though the debt is not mine there are two laws that apply and protects me from Equifax slandering my credit report with fraudulent information The collection agency XXXX XXXX has already agreed to stop reporting and said it was up to the consumer credit bureaus to delete this inquiry and they are still failing to do so
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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: Debt collection

I have requested validation of several debts from XXXX XXXX XXXX that had been placed on my credit report by Mercantile Adjustment Bureau. The debts are erroneous and do not exist according to the staff at XXXX XXXX XXXX and XXXX XXXX XXXX, their parent company. All but one of the debts have been removed from my credit report due to failure to validate. Mercantile Adjustment Bureau forgot to remove one of the accounts ( {$84.00} ) and on XX/XX/XXXX I sent another letter requesting validation and for the negative account to be removed from my credit report. On XX/XX/XXXX I called and was told that they were " researching '' the account. On XX/XX/XXXX I called again and informed them that they had exceeded the 30-day window to provide validation for the account and it needed to be removed. The front-line representative gave me the runaround about how they were still researching the account. I asked to speak with a supervisor and was transferred to " XXXX ''. She was extremely rude and refused to look into the issue. She stated that all she could do was e-mail her research department. I requested to be cc 'd in on the e-mail, she agreed and hung up. As of this complaint I have received no communications from Mercantile Adjustment Bureau about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXI have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

All is debit is fraud I dnt owe dis money also XXXX  is da bank and they charge da account off also da acct is closed so I owe dis company Nuttin
Product: Credit card or prepaid card

I am a long time customer of Chase and I have a credit card with them that was used fraudulently. There were four charges made at XXXX around XX/XX/XXXX that I did not make. When I saw these charges I notified Chase about this and they did a dispute review for fraud. When the dispute was over they only gave me credit for one of the charges but not all four charges. This doesn't make sense to me, if all these charges were made on the same day at the same place ( XXXX  ) how does Chase only agree one of these are fraud? This is also a credit card, per the terms and conditions when the credit card is used without my knowledge if I report it within a timely manor ( which I did ) they aren't supposed to hold me responsible. I also have XXXX so when the bank denied my fraud claim I got XXXX involved. We called Chase on XX/XX/XXXX, they said they will open another dispute, but also admitted to throwing out supporting documents that XXXX sent them on my behalf. This is so frustrating as a customer that Chase would throw out documents that come from them. I have signed off on Power of Attorney for XXXX to do follow-ups on my behalf and they have a copy of that, they aren't honoring the Power of Attorney or accepting documents from XXXX. Chase is also convinced that my child or husband is doing this. I assure they are not, they have their own cards to use, they don't use my account. Chase also doesn't understand that SKIMERS are out there to steal people 's account numbers and make counterfeit cards. Chase claims the chip was used for these purchases, therefore I did them, AND I DID NOT DO THIS. I am requesting this be documented and looked into further for unfair business and banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Remove the following account from my report : XXXX  ( Account : XXXX ) This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4400.00} OR {$4200.00}.

Im requesting a REMOVAL of this inaccurate information, because Experian did not correct or remove per FCRA. 

I dont believe Experian did an independent investigation and are only forwarding me the results the furnisher provided to them without going beyond the original source of info after a request for reinvestigation. 

Because of this, Im requesting the removal of this inaccurate information immediately and Ive logged this as negligence. 

Experian failed to investigate and correct inaccurate information on my credit report and this has caused my family great harm : My children had XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. 

I have a XXXXyear-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit. 

Me and family are suffering injury due to these errors in reporting.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Account name : XXXX XXXX  XXXX Date Opened : XX/XX/2016 Status : Paid, Closed. {$58.00} written off. 



To the best of my knowledge, I am unaware of this derogatory mark on my credit report because I have never opened a credit card with XXXX XXXXXXXX XXXX. This appears to be identity theft and should be removed from my credit record as soon as possible.