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

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019 CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a requested credit report from TransUnion on XX/XX/XXXX. The report reflects an ADVERSE ACCOUNT which has been handed over to ( XXXX XXXX # XXXX ) on XX/XX/XXXX. The creditor apparently is XXXX XXXX ( Cable/Cellular ) and the amount apparently due is {$510.00} dollars. 

My mobile-cellular provided prior to this past XXXX, has been and ALWAYS been XXXX. My cable provided since XXXX has always been XXXX. 

I can't understand why this on is my report and possibly affecting my credit rating. 

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

The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and I request removal : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the collection : XXXX XXXX XXXX I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX  in XXXX of 2022. This has caused my credit score to drop and my interest rate to raise on my mortgage.
Product: Debt collection

Applied for a apartment and was denied because there were XXXX accounts on my credit report that should not of been sent to collections
Product: Vehicle loan or lease

I am writing to file a complaint against United Auto Credit for committing fraud through the securitization of loans, false representation, bad credit reporting, and unfair debt collection practices. 

Despite having fully paid off my car loan, United Auto Credit, a third-party company, has refused to release the title to my vehicle. They profit excessively from the securitization of loans, inflating their earnings up to 100 times the loan 's value through hidden fees and charges. This fraudulent practice has trapped me in a financial bind, denying me full ownership of my car. 

Additionally, United Auto Credit has misrepresented loan terms and conditions, leading to confusion and financial hardship. They have also reported inaccurate information to credit bureaus, adversely affecting my credit score and financial standing.

Furthermore, United Auto Credit engages in unfair debt collection practices. They have made non-stop calls to my phone, contacted others around me, and issued threats of repossession, causing distress and embarrassment. 

I urge the FTC to investigate United Auto Credit for these deceptive practices and take appropriate action to protect consumers from such fraudulent activities. 

Thank you for your attention to this matter. 

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

XXXX contact TransUnion XXXX XXXX  and informed them all my loans from XXXX XXXX and Dept. of Education was discharged and should be removed off my credit report TransUnion removed partial they only removed my XXXX XXXX closed accounts and never removed my Dept. of Ed. Closed accounts and I also tried to dispute direct with TransUnion and they refused to remove them even though they was notified from Dept. of Education & XXXX also XXXX credit bureaus still have XXXX XXXX and Dept. of Education listed on my credit report as well all theee bureaus was notified by Department of education in XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent an identity dispute letter to XXXX via certified mail with XXXX forms of identification on XX/XX/XXXX to remove the inaccurate, outdated personal information from my credit report and never received a response. 

Also, I sent Equifax a verification dispute letter on XX/XX/year>. On XX/XX/year> I sent a 30 days no response letter, with each letter being sent certified mail with a return receipt, and same issue, there was no response from Equifax and I never received the return receipt that was sent was the letter sent on XX/XX/XXXX.
Product: Credit card or prepaid card

I have been trying to buy food pets supplies mattress from a XXXX online nothing was working for 2 weeks now. I have order several orders online all been declined saying I need to register my card its currently activated I order a new card thinking it was my old card problem .so I order a new one activated it then and it's still saying the same issues card information doesn't match but it does match I've changed it 3 time to match card nothing working at XXXX an spokes to them to is it their system or your fault I dont know
Product: Checking or savings account

Being they had my old #, I received response that we can not confirm your identity. They then explained I needed to upload documents. iTheir system would not upload my documents. So I responded to their message with an attachment of the docs requested. Mind you, this started 3 weeks ago and I just kept receiving computer generated messages telling me to upload the documents. They have no phone number for customer service. When asking for help? I get related articles to read. I did find out today that they have had my documents all this time.
Product: Money transfer, virtual currency, or money service

{$65.00} XXXX XXXX XXXX I attempted to get a refund through my bank buy was they closed the case because I didn't give the case number. 
The person was on XXXX and once the transaction was completed the deleted their profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX USDOE/XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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
Product: Debt collection

A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and XXXX  and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
Product: Debt collection

I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.
Product: Payday loan, title loan, or personal loan

I was making payments on this account and began wondering why the balance wasn't going down. I reviewed the contract and realized the interest rate is 169 % which according to Maryland Law, is illegal. This interest rate needs to be reduced. No one could ever pay this off!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that Experian send me proof of debt including copy of payment history, name and address of original creditor, as well as proof of collection authorization. I have yet to receive those things my dispute was update the first time a XX/XX/XXXX which is XXXX  days apart they did not go over the documents I provide or anything of the sort. I started another dispute with them again for the same debt and they just updated it again today did not go over any of the documents I provide for the second time. Its been passed XXXX days and I have yet to receive any proof of debt.
Product: Mortgage

Summary : For a closed mortgage account, AIMLOAN overpaid my property taxes by {$880.00}. According to XXXX at XXXX XXXX XXXX finance department, the town refunded the overpayment on XX/XX/XXXX. AIMLOAN 's escrow company, however, returned the town 's refund check. The town sent the refund check again on XX/XX/XXXX, and AIMLOAN cashed it on XX/XX/XXXX. An image of the cashed check was provided by the town, and I gave the check number to AIMLOAN on the phone, as requested by the customer service supervisor. AIMLOAN promised resolving this issue by XX/XX/XXXX and now the customer service supervisor said the next update might be until XX/XX/XXXX. Customer service at AIMLOAN insisted that they had not received the refund check, and I was also told there was no one in the company who could help resolve the issue. I have been attempting to resolve this issue with AIMLOAN for 6 months without success. 

More details : In the beginning, AIMLOAN told me that they had not overpaid the property tax and had not received a refund check from the town. I called AIMLOAN and the town more than ten times. In XXXX, XXXX, AIMLOAN acknowledged the issue and the supervisor entered a work order to refund the overpaid check. I kept in touch with AIMLOAN every week or two after they deposited the refund check on XX/XX/XXXX. Customers service representatives and supervisors at AIMLOAN told me many times that they have yet to receive the check, and that the issue will be resolved by XX/XX/XXXX, but may not take that long. I followed up with AIMLOAN at the end of the day on XX/XX/XXXX, as suggested by the customer service supervisor. XXXX ( Initial XXXX, customer service supervisor ) confirmed that AIMLOAN has received the refund check. After I confirmed that fact with her, she acknowledged it, but refused to put it in writing. When I asked if anyone in AIMLOAN could address this issue, she said no one could do so. She could only send an email to the tax department asking for an update, and there was no guarantee she would get a response. When I called on XX/XX/XXXX to request an update, the customer service supervisor played hardball with me. According to her, AIMLOAN has not yet received the check ( which differs from what XXXX told me on XX/XX/XXXX ) and the next update may not come until XX/XX/XXXX. She told me I asked for help rather than admitting that AIMLOAN had made mistakes twice ( 1. overpaid the property tax 2. returned the refund check in XXXX, XXXX ). She said an update might take until XX/XX/XXXX, since I called two days ago ( XX/XX/XXXX ) and AIMLOAN requires this much time. I explained to her I have been trying to resolve this issue with AIMLOAN for 6 months, and that the refund check was deposited on XX/XX/XXXX by AIMLOAN 's escrow company, she just said bye and hung up.
Product: Checking or savings account

Good afternoon my name is  XXXX   XXXX  have been a custom er with Wells Fargo  for a year or so now never have I overdrafted my account because I thought I understood the rules regarding debit cards in that you can not take money off of a card that does n't have funds available.  Wells Fargo  is claiming because it 's a reoccurring charge on my debit card they are allowed to process it and then charge me an overdraft whereas th e three ti mes before this the charge would be denied and then I would settle the problem with my insurance company however all the sudden the company has decided to charge me a {$35.00} overdraft fee when I have never had the problem before. I tried to call their customer support line and they told me because it 's a reoccurring charge it does n't matter that it was on my debit card their allowed to process it pas t   XXXX   a nd then she literally told me well if you can do anything else about it go to a different bank good luck and then she hung up on me very rude ly. Wells Fargo i s not a good company all they do is try to hurt their customers please impose a consiquence.
Product: Mortgage

I am trying to rectify the payment issue with my mortgage company, Freedom Mortgage. In 2018 my husband filed bankruptcy, but I did not. He also did not include the mortgage in the bankruptcy when it was filed. For the past 5 years every time I would call I was told that no one could speak to me because the account showed a bankruptcy. Back in XXXX of this year my husband paid the XXXX mortgage and didn't make another payment until XXXX. Around this time we were in the process of switching insurance companies because our current one was no longer writing policies in Louisiana. We found another insurance company, XXXX XXXX and the policy amount was XXXX. Freedom sent a check from my escrow account to XXXX, but I eventually found a cheaper insurance company. Another check was sent to the new company in the amount of XXXX. I received the XXXX back from XXXX XXXX and called Freedom to ask about what I should do with the check. I was told that I needed to mail it back to freedom so they could put those funds back into the escrow account because the account was showing negative XXXX + XXXX the amount for both insurance premium. I sent the XXXX back to Freedom. I called Freedom back to see if they had received the check and that it needed to be applied to the escrow. I was told that even they could not speak to me because of the bankruptcy, even though the bankruptcy wasn't in my name. They applied the XXXX the missing payments and increased my monthly payments from XXXX to XXXX to included the XXXX that the escrow was missing. I called and finally got someone else to talk to me and asked if they could just back date the mortgage payments that were made with the escrow money and I would just make the missing mortgage payments out of pocket. Well, they backed the payments up and reapplied the XXXX to the escrow but my monthly payments didn't decrease back to XXXX. They have the XXXX back in escrow but still charging me for it in my monthly payments. They are getting the money twice and I don't think its right. I am now behind on my mortgage by over XXXX and it shouldn't be that much. Once that put the XXXX back in escrow my payments should have decreased back to XXXX. I am aware that I owe for the months that they backed the XXXX off but my payments shouldn't still be XXXX. I have called and now I can get someone to talk to me because after 5 years they have now figured out that I wasn't the one that filed bankruptcy. I just want to be charged what I actually owed.
Product: Checking or savings account

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} XXXX {$100.00} Case number XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option 1 to get to the department that handles XXXX department but they say they denied my two disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the two disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : XXXX and XXXX XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} Case number XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report regarding account # XXXX, the Charge-off account from XXXX XXXX. I believe that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation into this matter. 

I request the immediate removal of account # XXXX, along with all related late payments, from my credit report. These items do not accurately represent my credit history and are adversely affecting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected.

2. The right to receive a complimentary copy of my credit report once every 12 months from each credit bureau.

3. The right to dispute any erroneous information with the credit bureaus and have them perform a fair and timely investigation.

4. The right to know the sources of information that contribute to my credit report.

I expect you to handle this dispute promptly and in compliance with the law. Kindly provide written confirmation once the investigation is complete and the disputed items are removed. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid however, it is still being reported as a collection on my credit report. I have attached a copy the Settlement documents dated XX/XX/2019 from XXXX XXXX. These documents show this account has been paid and should not be reporting as a collection. XXXX   informed me they would contact the bureaus to have this information removed from my credit report. This incorrect reporting of a collection account is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX  has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.