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

In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( XXXX XXXX XXXXXXXX ). I financed the car through Hyundai Motor Finance. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to Hyundai with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of Hyundai Motor Finance. I am trying to see what my other options are on getting this taken are of.
Product: Debt collection

Found multiple incorrect accounts on my credit report. Request immediate removal and blocking.
Product: Checking or savings account

I have been locked out of my BMO Harris High Yield Savings account for the last few weeks, and have tried more than four times to call the bank to get reconnected. As I'm based now in the XXXX, each of these calls, which have been 10-40 minutes each, cost me a lot of money. I have yet to access my account. On the most recent call, after 20 minutes on the line with one representative, I was told that I'd need to connect with the fraud department, with a 40-minute wait, and that they would not be able to call me back or give me a number that I could call back at a later time, or give me an email or other way to communicate with the bank. I'm so frustrated that I've completely lost access to my money and have no way to get it back.
Product: Debt collection

I noticed that I have 4 collections accounts on my credit report in XX/XX/XXXX from California business bureau which is a collections agency. The original debtor is XXXX XXXX XXXX Hospital. I only received 2 hospital bills from XXXX XXXX XXXX hospital over the course of the last 5 years. One in the amount of XXXX for a service done on XXXX and another for XXXX from XXXX. I have never received any other correspondence for anything else I owed. Because XXXX XXXX hospital doesnt not speak to you if your debt has already been bought by a debt collector, I called California Business Bureau to see what was going on and why these items were on my credit report. They told me they couldn't answer any question regarding the hospital but claimed they tried to contact me several time via phone and mail regarding the debt this conversation took place on XX/XX/2020. I let them know I was going to contact XXXX XXXX because they never sent me a bill and I have lived at the same address for 6 years, and they've verified my address several times so I know they had it. Today, XX/XX/2020 I contacted California business bureau to get more information on the 4 accounts that were on my credit report. The lady I spoke to ends up given me 3 more accounts that went to their agency making it a total of 7 accounts I have not been made aware with both XXXX XXXX XXXX hospital or the California business bureau.  The first conversation I had with CBB, they never mentioned any other accounts, so I'm very confused. However, while I had her on the phone I get information about all 7 accounts now. I then contact XXXX XXXX hospital to see why I was not made aware if these Bill 's and to compare what CBB has as owed amount and what they actually has as owed amounts. The amounts didn't add up as CBB is adding interest on each of these accounts -- accounts I was never made aware of. This is not legal business practices for either of these business. Had I been made aware of this debt, I would have made arrangements to pay. It seems like XXXX XXXX hospital just sends CBB debt without having tried to retrieve and inform their customers of what they owe.
Product: Credit reporting

I recently received a letter from Equifax stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XX/XX/XXXX regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Equifax investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : XXXX, that 's when we show that it was opened and it was actually closed XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay XXXX moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : XXXX. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Product: Credit reporting or other personal consumer reports

There is an inquiry from XXXX XXXX on my credit profile with EXPERIAN that I do not recognize from XX/XX/ thats not mine. 

There are also incorrect inquiries on my credit report with XXXX that I do not recognize that arent mine on XX/XX/ at XXXX XXXX XXXXXXXX, XX/XX/ at XXXX  and XX/XX/XXXXXXXX  at XXXX XXXX XXXX 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now
Product: Mortgage

So, I refinanced with Pacific Union Financial back in XXXX XXXX 2017.  Never have been late. Have done everything they have asked me to do. Have provided everything they have asked for. On XXXX17, I get a call, " sir, due an error by us, Pacific Union financial, we are going to take your present escrow ( up to date ) cash and pay the old escrow account. And you, sir, will be responsible to make up the difference for our mistake. '' Or words to that effect. I sent an email to the person who did my VA refinancing ( XXXX XXXX NMLS # XXXX Mortgage Consultant / Sr. Loan Officer Direct Line : XXXX Cell / Text : XXXX Toll Free : XXXX ) asking for clarification. Later in, In the shortest and simplest of way, I was told that although they made and acknowledged their error and mistake 5 months ago, they will raid the money from my new escrow account to cover for their mistake. Almost 6 months later. As I thought about it, I realized i had been told " We made a mistake months ago but it 's up to you to make up the difference of your new escrow account once we drain it so we can cover for our incompetency. I am a former XXXX. I also care for a XXXX XXXX XXXX  XXXX veteran. I work 2 jobs. I never asked for anything nor do I want anything, other than honesty and accountability. This error was n't discovered 2, 3, 4 not even 6 weeks after. It was almost 6 months later. And now all I get is a hollow excuse of " we totally messed up but you are going to get XXXX for OUR incompetence and lack of attention. '' i got a lot of " if this '', " if that '', justifying why I was going to get penalized in order to cover their mistake. 1-2 months after closing, I get it. But, after almost 6 months..?? How is that fair? I did nothing wrong and I have always complied with everything they asked and wanted from me.. A billion dollar company, yet, I have to cover for their mistake.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email regarding Square case # XXXX with the following details : " Hello XXXX, We wanted to let you know that the hold on your Square account has expired, and your funds are scheduled to be deposited into your linked bank account within one to twXXXX business days. If your bank account is not currently linked, you can follow our simple instructions for linking a bank account. If you use a Manual Transfer Schedule, please manually transfer the funds. Your account status remains unchanged. We appreciate your patience and apologize for any inconvenience this may have caused. 
Sincerely, Square Account Services '' However, today is XX/XX/XXXX, and I still have not seen the funds deposited into my bank account. All transfers from my Square balance remain suspended.

I have attempted to contact Square support via phone and email, but I have not received any response. 
Could someone please investigate this matter and let me know when I can expect to access my funds? 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Square case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I have attempted several times to contact Transunion, XXXX, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$0.00}, RESIDENT VERIFY XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe to XXXX  XXXX, XXXX. with the account number XXXX. I have received communication from your agency regarding this debt under the name XXXX XXXX ; however, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification before I proceed further. 

Please provide the following information in writing to ensure this debt is valid and belongs to me : Verification of the Debt Amount : An itemized breakdown of the amount you claim I owe, including fees, interest, and any payments made. 
Proof of Ownership : Documentation that shows XXXX XXXX, XXXX. assigned or sold this debt to you for collection. 
Details of the Original Creditor : The name and contact information of the original creditor, XXXX XXXX, XXXX, along with any applicable account statements that show my alleged debt to them. 
Proof of My Obligation : Copies of any signed contracts, loan agreements, or statements that establish my responsibility for this debt. 
In addition, please cease any collection efforts until you have provided the requested information in writing, as required by the FDCPA. This letter also serves as a formal notice to not report or to cease reporting this debt to any credit reporting agencies until validation has been provided and this matter has been resolved. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX xxxxxxxxxxxxxxxx XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late XXXX XXXX
Product: Student loan

Mohela. Requested refund on XX/XX/XXXX. Said it would take 30 days. Called back XX/XX/XXXX, waited HOURS on hold, for them to say it should be soon. Called back & now its 60 days!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries reported in my name due to identity theft, pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ). I am a victim of a data breach and have been affected by unauthorized accounts and inquiries that have appeared on my credit report without my knowledge or consent.

The following accounts should be blocked and deleted immediately as they were opened fraudulently : Accounts to be Blocked and Deleted XXXX : Account ending in XXXX, Opened on XXXXXX/XX/XXXX, Balance : {$8400.00} XXXX  XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$6400.00} Inquiries to be Blocked and Deleted XXXX  : Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXXXXXX  XXXX  : Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.