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

I am writing to formally dispute the repossession and charge-off entry related to the auto lease with Hyundai Finance ( Account Number : XXXX ), currently reported on my credit report. The entry shows a balance of {$8100.00}, and indicates a repossession was conducted in [ XXXX XXXX XXXX ]. 

According to UCC Article 9, specifically Section 9-613, a secured party is required to provide the debtor with a Notice of Sale prior to the sale of the repossessed vehicle. To date, I have not received such a notice. As a result, I believe that the repossession entry on my credit report is inaccurate and does not comply with the legal requirements set forth under UCC Article 9, which mandates that the debtor be notified before the sale of repossessed property.

In light of this, I am requesting the following from Hyundai Finance or the credit reporting agency : 1.Proof of the Notice of Sale that was sent to me regarding the sale of the repossessed vehicle.

2. The exact date and method by which the notice was sent to me.

3. A copy of the sale or disposition of the vehicle, if the property was indeed sold.

Since the repossession and charge-off appear to be in violation of my legal rights under the Uniform Commercial Code ( UCC ) Article 9, and since I never received the required Notice of Sale, I respectfully request that this entry be investigated and either corrected or removed from my credit report.

Please provide the requested documentation or correct the account information in accordance with UCC Section 9-613. If I do not receive this documentation within the required 30-day period, I will consider this entry inaccurate and will take further action to have it removed.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the accuracy of this information within 30 days. Please confirm the outcome of your investigation to me in writing.

I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

West lake took over my loan from us auto a started my payments over, then repossessed my car
Product: Credit reporting or other personal consumer reports

Two hard inquiries were made on my credit report including one for Capital One on XX/XX/year> and one for XXXX XXXX  on XX/XX/year>. 
capital one says they do not have an account request or open user my social security number and XXXX was not much help on looking anything up, they said I need to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX  has removed the account but XXXX XXXX XXXX has not. 

ENHAHNCED RECOVERY ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX  XXXX 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 an account without my written instructions.
Product: Credit reporting

XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???
Product: Debt collection

The debt is on my credit report as a collection. My lawyers have communicated with the creditor. They have tried different debt collectors and have been from my credit report. The debt collector is Credence.
Product: Checking or savings account

On XX/XX/XXXX I had 2 cash deposits of {$100.00} into my account on the same day, at 2 different banks and during different times. On XX/XX/XXXX I recieved a letter stating the monies was put in twice by error, which was not the cause. So they took the {$100.00} out of my account which overdrew my account. I tried for the entire month of XX/XX/XXXX & half of XX/XX/XXXX trying to get reimbursed my {$100.00}. As of this day XX/XX/XXXX I only received the 2 overdraft fees of {$35.00} & the maintenance fee of {$8.00}. They refuse to reimburse my {$100.00} that is owed to me. I offered to text a copy of the deposit receipt to them, but they declined the offer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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}
Product: Credit reporting or other personal consumer reports

Im requesting a block be placed on my credit report I tried numerous times to get these account removed Im a victim of identity theft these account was opened fraudulent in my name without my signature Im asking the creditors to provide my signatures and burden proof and sufficient verification that it was me that open these accounts. I want these accounts removed immediately from my credit report Im asking for an investigation of these accounts I have sent my identity theft report via mail once again remove these accounts I have sent to Transunion off my credit report you have 30 business days to respond if no reply by law its an obligation to remove the listed accounts thanks you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : DP OF EDUC XXXX Balance : {$1300.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$1800.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$790.00} DP OF EDUC XXXX Balance : {$3200.00} DP OF EDUC XXXX Balance : {$4100.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} DP OF EDUC XXXX Balance : {$1400.00} DP OF EDUC XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When logging into Experian 's site in order to temporarily lift the credit report freeze, the first page shown after login is a page that gives rise to the appearance that in order to continue I must enter payment card information to " Upgrade Your Account ''. This is yet another grossly misleading, shameful attempt from Experian to scam people it shouldn't have any control over in the first place.
Product: Checking or savings account

I deposited my paycheck last Friday because I have to pay some bills and Huntington bank held my check until around Tuesday morning. So I tried to move my money over to XXXX through XXXX because my Huntington debit card didnt work anymore and Huntington bank put a hold on it today XXXX after previously allowing around XXXX to be transferred on XXXX. So today they locked the account and I called gave my social security number and verified myself, however they are refusing to unlock the account and I reached out to several people regarding my account through Huntington bank. They ultimately refuse to unlock my account which is going to cause me to be even later on my bills which they should be held liable for. Can you please help me with this issue? I appreciate any information at all whether you can or cant help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen and the person opened a Citibank account and I keep receiving letters regarding fraud charges.
Product: Checking or savings account

I would like for A checking account that WAS NOT OPENED BY ME TO CLOSED OR DELETED FROM MY SOCIAL SECURITY NUMBER. BECAUSE THEY CALL MY PHONE CHARGING ME MONEY FOR AN ACCOUNT UNDER MY NAME WITH A MIDDLE INITIAL STARTING WITH THE LETTER " XXXX '' I HAVE NO MIDDLE INITIAL SO THERE FOR IT WAS NOT ME. THERE FOR IT IS SOMEONE TRYING TO DO FRAUD UNDER MY NAME. I FOUND OUT THAT SOMEONE HAS BEEN USING MY SS # SINCE I WAS A MINOR. I FOUND THIS OUT WHEN I TURNED XXXX DUE TO MY H'R TELLING ME DURING THE HIRING INTERVIEW
Product: Debt collection

I filed with this site late last year. The company came back with a response stating that an itemized statement was attached. It was a blank piece of paper was given with a date of service being XX/XX/16. This blank piece of paper included my current Ohio address and just my date of birth. It has no other information. How is that itemized? How is that verified? The state of South Carolina has a statue of limitations of 3 years to collect on a medical debt. We are now on year XXXX. I do not know XXXX XXXX. I have never heard of XXXX XXXX. XXXX XXXX XXXX no longer exists. It is XXXX XXXX XXXX. I have called them to ask about this date in question. They know nothing of it. I called the billing department, they could not find anything, and nothing that had even been sent to collections, as I said everything after 3 years is discarded. I even went as far as to contact XXXX XXXX XXXX and ask for their billing department and collections department and got the same response. There was nothing. The statute of limitations on debt in South Carolina is three years. Under the South Carolina Tort Claims Act, the state may be held liable for torts, but limitations and exceptions apply. If a notice of claim is filed, the statute of limitations is three years ; if no notice of claim is filed, the statute of limitations is two years. I want this removed from my credit report immediately. I want an itemized list of everything that was done and services rendered sent to me at once, with my proper South Carolina address included on the statement. I also want results of any tests and labs that were done or taken at this visit, along with all vitals and procedures during triage. I look forward to hearing from you.
Product: Checking or savings account

XXXX : XXXX ( XXXX ) driver license, social security number, etc. ) personal information compromise Att- internet and Wireless Breach ( XX/XX/XXXX ) ( drivers license, social security number, etc ) personal information compromised XXXX : Breach ( XX/XX/XXXX ) drivers license, social security number, etc personal information compromised Change Health care Breach ( XX/XX/XXXX ) notified of breach ( XX/XX/XXXX ) Documention mailed by companies concerning negligence of XXXX XXXX XXXX negligence have been allowed by XXXX XXXX Have started claims and have proved documentation the insurance company assurance have denied twice and on the appeal have denied after all documentation justified funds taken out my account the documents from the back and also I have lost my job and im terrified my two daughters personal information is part of the brenches as well. ( XXXX ) XXXX XXXX XXXX XXXX XXXX allowed breeches there insurance assurance claims lost wages and banking information checking and savings and debit cards utilities, Auto Insurance coverage as well employment resources that is offered denied student loans wired not by my authorization as well as rental cars my whole identity have been stolen that mean my two daughters information have been compromised. Each time my credit is involved denied authorization of identity. XXXX is allowing circumstances to occur. My credit is frozen and my personal life is still be exposed by XXXX There are unlawful actions that are being committed my family and I are suffering and experian credit is not helping resolve these issues my credit is locked and experian has been refusing to help take care of of the negligence that have been allowed. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is defaming my character and ruining my reputation by furnishing erroneous information on a consumer report without my authorization/consent. TransUnion is in direct violation of the Fair Credit Reporting Act. The information TransUnion reporting is inaccurate and unfair. On XX/XX/XXXX I applied for a personal loan with discover and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a financial product with XXXX Bank and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a house and was denied because of eviction records that are being reported by TransUnion, I contact the XXXX district court and they stated " The XXXX district court does not report to any credit bureau '' ; TransUnion is not respecting my privacy, court records are private to me and I have a right to privacy under the privacy act of 1974 as amended, 5 U.S.C. 552a. On XX/XX/XXXX I contact TransUnion regarding the erroneous information that is being reported without my authorization/consent and informed the agent that the information is inaccurate and unfair. I have been severely disadvantaged by TransUnion, which has caused me injury damages, mental anguish, and XXXX XXXX. ****SEE ATTACHMENTS FOR PROOF****
Product: Consumer Loan

After applying for a loan to purchase a new car, I received an interest rate 3x 's higher than indicative rates for a used automobile purchase for my creditworthiness.
Product: Debt collection

I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information 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- ( ipromptly 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had been scammed by an impostor posing as a leasing company to collect my payment through XXXX and XXXX. They've been pressuring me to send them money before touring the apartment and repeatedly assured me that they'll meet me to either tour or refund. The first payment occurred on XX/XX/XXXX and last on XX/XX/XXXX. The total amount is approximately {$4000.00} with {$1200.00} through XXXX and the rest though XXXX using multiple payments. My bank is PNC and I use XXXX with them. I've just filed a complaint this morning about the XXXX transactions but not the XXXX ones yet because they're not showing up at the moment, however I will do either tonight or tomorrow. PNC says that since it appears to be authorize by me they can't guarantee to get the money back, but I was coerced and repeatedly promised that I would get my refund or apartment so I consider this to meet CFPB 's policies. I have since filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,