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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Equifax Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Identity Theft and Credit Report Inaccuracies FTC Report # : XXXX Dear Equifax Fraud Division , XXXX, XXXX XXXX XXXX am submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, Equifax continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX  {$630.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$350.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$18000.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX ( Collection ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX. XXXX ( Collection ) XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} I look forward to your prompt attention and resolution of these matters. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive identified mistakes on my credit report connected to 15 USC 16c-2. The inquiries listed were unauthorized and are harming my credit. Please remove all these hard inquiries. Thank you!
Product: Debt collection

I have received three letters threatening arrest for a traffic ticket 17 years ago that was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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 or other personal consumer reports

Experian closed this complaint with another ridiculous explanation without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

I disputed the debt that has a date of XX/XX/2023 in the amount of XXXX I dont have a contract with the collector therefore I dont owe them any money. This is supposed to be a medical bill and for a third party to have medical information that allegedly belongs to me is a HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXX XXXX from Yes Auto on XX/XX/XXXX by placing XXXX down and making payments on the rest. On XX/XX/XXXX they came and repo the vechile stating I defaulted on the first payment. The issue I have is I never know when my first payment was due or where to make the payment. I searched through my paperwork that I signed and couldnt find any of that information. 

On XX/XX/XXXX I contacted Yes Auto to firgure out if they had repo the car because it was not parked where so parked it when went to work. Thats when I was informed they had repo it because my payment was due on XX/XX/XXXX. I tried explainning I didnt know when the payment was due and it was a mishap. I was informed that I had signed the paperwork and it was in my contract. They told me it would be XXXX repo fees plus my car payment of XXXX. I then informed them that I wasnt going to pay all of that considering I just paid a XXXX down payment on XX/XX/XXXX and wasnt intentionally trying to not make payment I simply didnt know when it was due. 

When I got to lot to obtain my things I staff person came out and got in my personal space about the key. I explained I was getting my thing. He got confrontional with me and I then told him I had a right to get my stuff in peace. Once I obtain my property I got into the car I drove in and being to leave. Then the same guy that was confrontational came running and jumped into the front of my car trying to prevent from me leaving then another person came and jumped in front of my car as well on the other side. Both were banging on my car. The first guy then started banging hard on my car staring stop the XXXX XXXX XXXX! 

Due to his deposition earlier I did not feel comfortable dealing with him and I also wanted to speak with the person that sold me car to discuss this matter and talk about my XXXX I had paid two weeks prior. 

I was informed that they tried calling me but I never got any calls to my job or personal number. I had called my reference the day that Yes can stated my payment was due and reference 1 told me that reference 2 had informed them earlier in the week that they had received a call from the car lot stating to the affect that they werelooking for their car. 

The issue I have is I didnt have the vechile 30 days before they took it back and I would have been more than happy to pay reasonable late fee if in fact I missed a payment. I dont understand how they can repo a car two weeks after someone gives them a down payment. 

My other concern is of the staff members jumping in front of my car and cursing me and behaving in a threatening manner and also trying to hold me against my will at the lot over a key, that is not worth much compared to my XXXX I gave them for a down payment on a vechile I intended on having longer than 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by covid-19 I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the XXXX, Transunion and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report without any explanation. I routinely check my credit report, but today there were unexpected issues. I tried refreshing my browser, thinking it might be an error, but the unauthorized inquiries persisted. Therefore, I ask that the documents Ive submitted be carefully reviewed to prevent future concerns.
Product: Checking or savings account

XXXX multiple fraudulent charges were made on our account- XXXX, XXXX and XXXX toward the XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX additional ATM withdrawals were made in the amounts of XXXX ( same amount for both ) in XXXX XXXX. My husband and I each made IN PERSON transactions with our personal debit cards in XXXX where we live. My husband made an IN PERSON purchase at XXXX and XXXX in XXXX, FL and I made an IN PERSON transaction at XXXX in XXXX XXXX, XXXX. We additional made an XXXXXXXX XXXX purchase that night to be delivered to our home in XXXX XXXX, XXXX. Additionally, my husband was on XXXX XXXX that weekend, Friday through Sunday, in the state of XXXX. These fraudulent charges in XXXX XXXX were also made IN PERSON the same day. From the date we opened this account, we have NEVER made gambling purchases which were the categories under these purchases. We received a text message that night while sleeping that a fraudulent purchase had been made to out account ( XXXX of the XXXX ) purchases. We were sleeping so we did not respond. Chase did not freeze our account, instead they left it open for a criminal to take all of XXXX $ of our hard earned money. This was a brand new debit card that my husband received maybe only a week prior and only used a handful of times. Chase initially reversed charges then reversed the reversal saying because a " chip '' was used that these charges were " legit '' and those are hard to duplicate. Criminals do this for a living and are smart! No idea how this was done but we do not know who did this, we did not authorize this and we absolutely did not make these purchases. Chase 's fraud department did not do their job when it comes to monitoring fraudulent charges on our account and freezing our account if one is suspected. Additionally, they did not do their job with their investigation. This is sickening. A criminal is allowed to steal our money because they were smart and recreated a debit card with a chip. Chase has a legal obligation to abide by their standards of customer care and refund our money due to fraud. Do their jobs and investigate this properly. 100 % we did not do these purchases and 100 % should be refunded our hard earned money. Do what is right, Chase.
Product: Debt collection

In late 2019 a fraudster stole my identity and opened several accounts fraudulently in my name. I learned of the fraud from XXXX XXXX and immediately acted, including freezing my credit, filing a police report, and completing all required paperwork from the companies the fraudster successfully and unsuccessfully attempted to commit the fraud. 

One of the accounts that the fraudster successfully opened was a credit card account with XXXX XXXX XXXX XXXX. By the time I learned of the fraud the fraudster had spent $ XXXX. XXXX XXXX XXXX XXXX closed the account, and XXXX, XXXX, and XXXX all removed the account from my credit history. 

Then, months later, I started receiving letters from a debt collector that I had been sent to collections for the outstanding balance on the XXXX XXXX XXXX XXXX account, opened and executed by the fraudster. I have called both the collector, XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX and neither provide any help what so ever. XXXX XXXX XXXX simply tells me that the only way they can remove the account from collections is by XXXX XXXX XXXX XXXX revoking the collection. When I call XXXX XXXX XXXX XXXX, my call is repeatedly transferred, the call is dropped, there is no clear department or number to reach out to. I reached out to the woman in the XXXX XXXX branch who helped me file the XXXX XXXX XXXX XXXX required paperwork when the fraud was initially detected, however she is no longer with XXXX XXXX XXXX XXXX, and her replacement began to help me but months have passed and nothing has happened. 

The collections account is bringing my credit score down and I am trying to buy a home- this situation is incredibly frustrating. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you 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 and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}
Product: Vehicle loan or lease

I searched for an answer to my question but the results provide no clear answer. I am needing to know what the TEXAS state law or policy is for the LENGTH OF TIME a finance company must sell a car after they have repossessed it. Its been 5 months and Hyundai Motor Finance has not received the duplicate title and they have not sold the car.

Account No. : XXXX Due to the unexpected employment gap after a mass layoff, Hyundai Motor Finance repossessed my vehicle XXXX months ago but has yet to obtain a duplicate title or sell the car at a private auction. This delay prevents me from purchasing another vehicle unless I add the remaining {$18000.00} balance to the cost of the next car, with the potential of still owing a balance to Hyundai Motor Finance if the sale price falls short of the debt. XXXX has stated they can not provide a timeline for obtaining the title or completing the sale, leaving me with no clear resolution. If timely payment was required to avoid repossession, why is there no urgency to sell the repossessed vehicle? 

Vehicle : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Since the repossession, Hyundai Motor Finance stated there is no clear date for the vehicle 's sale. The " Notice of Our Plan to Sell Property '' stated only that the vehicle would be sold " at a private sale sometime after XX/XX/XXXX, '' leaving the timeline indefinite. I have been told multiple times that the duplicate title was requested but it has never been received and no attempt to escalate and resolve the issue in a timely manner has been made. 

Hyundai Motor Finance did not offer assistance to accommodate my financial situation and would only accept full payment for the vehicle 's return. However, despite repossessing the vehicle, they have not sold it in a timely manner, which undermines the intended purpose of repossession. Per legal requirements, a sale must be " commercially reasonable, '' which is generally understood to mean within 90 days of repossession. As of XX/XX/XXXX, nothing has been done since XX/XX/XXXX. Per Hyundai Capital Americas company policy, and the contract with stakeholders and investors, Is 130 days without the car being sold and no ETA or sense of urgency, the standard way to business? 

This delay impacts my ability to obtain another vehicle. As long as the full balance on the repossessed XXXX XXXX remains unresolved, it will likely lead to rejection from lienholders if I attempt to finance a new or used car, effectively placing me in a position where I can not move forward without being financially disadvantaged. Additionally, I am working again. I could have resumed monthly payments during this time if Hyundai Motor Finance had permitted it, instead of declining partial payments.
Product: Mortgage

I paid off the first mortgage loan on XXXX/XXXX/16 to US Bank Home Mortgage. I am owed escrow actual funds in the amount of {$1500.00}. I have contacted the bank on several occasions without any success. The staff states that a check was sent to us and it was returned to them as undeliverable. We did not received a check. Then the staff states that they need approval from XXXX to reissue another check. To date, he has not responded to his staff emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a letter about my student loan being suspended, the credit bureaus XXXX, XXXX, Trans Union, will not remove this from my credit report and will not verify the letter I sent them all the letters also
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

Hello and good morning. My name is XXXX XXXX and I currently have a mortgage through J.P Morgan Chase ending in XXXX. They are not the original lender as XXXX XXXX was the original in which it closed XX/XX/XXXX. My complaint and dispute is the run around and unwillingness to perform a XXXX on my property to assess the XXXX ratio for actual value of the property. My current property is located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I was given quite an insulting appraisal and disputed it. I even paid for a second appraisal from a second lender. Long story short I ended up having to take the low evaluation to not lose the property since the initial lender has all of the paperwork prepared for closing. Had I not, the seller was going to re-list the property. The property was appraised for {$480000.00} and I currently owe {$420000.00}. The property itself is worth $ XXXX $ XXXX in the $ XXXX range. Thus why I want a XXXX performed in which I expected to be a simple request not an argumentative debate. My complaint is that Chase refuses to perform a XXXX  to assess the actual property value even at my own expense to remove PMI. I am attaching my PMI disclosure from Better Mortgage that I signed at closing. It does state the general dates and numbers for request and/or auto termination of PMI. What it does NOT state is any requirement/s for me to HAVE to perform SIGNIFICANT IMPROVEMENTS in order to request and/or pay for a BPO to be performed! This is not right and outright illegal. After telling me on XX/XX/XXXX in an email that I am attaching that I could pay for an evaluation at my expense now everyone that I speak to refuses. They record their calls as most businesses do and have an associate telling me that I could order a BPO over the phone and even billed my checking account for it on XX/XX/XXXX. I have attached my statement showing the charge. There is nothing on my PMI disclosure that mentions the requirement for significant improvements to be performed and/or anything to do with a time frame for borrower requested removal of PMI on the note in under 2 years to request/demand an evaluation of the property/BPO. This to me is a combination of this financial institution just wanting to continue to get rich off of collecting money from as many customers as possible but most IMPORTANTLY the attempt to combine 2 completely different sets of guideline requirements that are not of the same lender and/or to be used concurrently. I have read over the XXXX of XXXX, lender disclosure from closing lender, and XXXX XXXX. I know that this is not right and I only agreed to what I SIGNED for at closing. The requirements do not include what has now been being applied to me by this lender.
Product: Checking or savings account

I opened a checking account with Chase Bank on XX/XX/year>. I went in person to open it at the location at XXXX XXXX XXXX XXXX, XXXX, MN XXXX. On that day I deposited {$31.00} in cash with a bank teller ( see included Chase bank receipt ). Then on XX/XX/year> I deposited {$800.00} in cash with a teller ( see included Chase bank receipt ). I received a letter in the mail shortly after from Chase bank with instructions for setting up a direct deposit that included my account and routing number ( see included Direct Deposit Set-up Form ). On XX/XX/year> I brought a check from my employer to the Chase bank located at XXXX XXXX XXXX XXXX and tried to deposit it into my account. When I tried to do this, I was told by a bank manager that they could not cash my check as I was caught for bank fraud. They did not give me any more details. When I asked why my bank account was closed, they told me that they did not have to give me a reason for my bank account closure. 
I called the local Chase bank office at XXXX XXXX XXXX XXXX with the social worker at my building, XXXX XXXX, on XX/XX/year>. During that call they confirmed that the bank account was being closed and that they were mailing me a check for {$830.00} which was the money that I had deposited into my bank account. They stated that this check would come within 10 business days. For proof of this conversation see the letter written by XXXX XXXX. I received a bank statement in the mail from Chase bank for XXXX indicating my account number, my deposits into the account and a withdrawal transaction of {$830.00} on XXXX listed as XXXX  XXXX- Check Charge. For proof of this see the Chase bank statement. 
On XX/XX/year> XXXX XXXX and I spoke to XXXX at Chase bank as I had not received the {$830.00} check from Chase bank. We had called XXXX and pressed option XXXX to get ahold of him. XXXX stated that my phone number did not match their security information and that I would have to visit the branch bank to resolve this ( see letter written by XXXX XXXX ). I then called the local office at XXXX XXXX XXXX XXXX and was informed that I was not allowed to come back on to the premises. 
I want the check of {$830.00} to be given to me as soon as possible. Chase bank is not working with me to facilitate this and is making it difficult to access my money.