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

After obtaining my credit report I noticed multiple multiple inquiries that were not authorized by me or anyone acting on my behalf. These include an inquiry from XXXX XXXX XXXX  and another from XXXX XXXX. Both inquiries were conducted on the same day and I do not have an account with either establishment not have I ever attempted to establish any kind of business, financial, or other relationship with either. TransUnion allowing these unauthorized views of my personal information is a clear and egregious violation of rights and privacy. I submitted a dispute but neither inquiry has been removed. These hard inquiry on my credit report is causing me distress as my credit score reflects that. Them being them have hindered me from obtaining proper credit and have caused me grief and XXXX. Please remove these from my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit report on XX/XX/2019 by CHASE BANK from JPMCB CARD. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated this inquiriry when in fact I never authorize the bank to submit any application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/2019, this application was submitted fraudulently.
Product: Credit card or prepaid card

Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day late payment I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card debt down below the recommended 30 % and Trans Union lowered my credit score by XXXX points. All other credit reporting agencies raised my score by more than XXXX points. Contacting Trans Union did no good. I got the same lame explanation in a continuing circle " you still have a balance on three cards ''. My current combined balances are at 24 % down from more than 50 % which should have increased my credit score across the board and it did everywhere except Trans Uniion!
Product: Credit reporting or other personal consumer reports

Transunion will not remove my inquiries that were opened with fraud. XXXX and XXXX removed them all already. Transunion refused
Product: Credit reporting or other personal consumer reports

I recently noticed my credit report, and the below 5 listed inquiries were made unauthorized on various dates without permissible purpose which violates the Fair Credit Act 15USC1681B XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/scrub> XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX
Product: Credit card

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802.

Opting out of credit card reporting. 

Accounts ending in XXXX and XXXX.
Product: Checking or savings account

I tried to submit a wire transfer for the closing of my house at XXXX XXXX est on XX/XX/XXXX for the meeting at noon that day. I called in to the call center at noon to verify the status with the employee who said that the wire was being transferred and gave me a confirmation number. After giving this to my lawyer, they found that this number did not exist. I called back into the call center shortly after and inquired to this and they told me my wire transfer was still in process and that they needed my verification before moving forward. I tried to give that to them on the phone but they would not accept it. The representative, as well as their website, assured me that someone would be in contact and that my wire transfer would be completed by end of business on the XXXX. At the end of business, this was not complete. I called back into their center where they told me that this request now would be completed at the start of business on the XXXX, putting me at risk of losing my home. After explaining this, I was given no help to move forward. This morning, on the XXXX, I called in at XXXX XXXX to see the status as this was still not moved, they told me they still needed to verify the information with me, which I offered to do again and offered to be transferred to this person but was not allowed. I was then promised that someone would be in contact at XXXX XXXX on the XXXX est. This has also not happened at this point. I am in dire danger of losing my home and the only reason is that Ally Financial refuses to send my money to the lender.
Product: Mortgage

I have a mortgage with Dovenmuehle Mortgage. I was on forbereance due to Covid for several months and I was able to make payment again afterward. When I made payment for XXXX payment on XX/XX/XXXX online, it doesnt allow me to do so. I then made a payment via the phone and got charged {$10.00} fee. I sent them a message via the online portal in a XXXX asking why I cant make payment online and ask to be refunded my fee but never receive a response. 

I made a payment online on XX/XX/XXXX for XXXX payment but apparently it didnt go through and I just got a phone call from them asking for past due payment and that I have to pay a payment fee if I make a payment via the phone. She also told me that there is a block on my account to make payment online. I am appalled that I cant make payment online and get charged for making payment other way. Dovenmuehle Mortgage should make it available for customer to be able to make mortgage payment either online or with an auto pay and for customer not be charged for it.
Product: Debt collection

Midland Funding sent me a Letter through XXXX XXXX XXXX asking to release personal information regarding a judgement. I didn't have knowledge a Judgement existed against me.The letter does not show what date the judgment was rendered. I was aware that Midland Credit/Midland funding had been sued for illegal collection activity. I will be asking for proof and validity of debt .Account # XXXX
Product: Credit reporting or other personal consumer reports

I Contacted the Reporting Agency to get a Documented Proof. I was unable to get Proof and was hung up on. I would like these Items removed from my Credit. I have No knowledge, and the Agency has not provided Supporting Documents. I contacted the Credit Bureaus and filed a dispute, it came back verified without having been provided with Any Legal Document. 

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

CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

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 XXXX XXXX XXXX XXXX to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to Experian dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( s ) being reported for a DISCHARGED CHXXXX and DIMISSED/CLOSED CHXXXX ( listed twice on my report ). Experian hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Experian is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Experian may result in smalls claims action.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BK-XXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( Transunion, XXXX and XXXX ) and still left incorrect information.

Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change.

What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.
Product: Debt collection

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX XXXX VA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as past due balance. I do not know this company. The company does not have a contract with my signature.
Product: Debt collection

My attorney and I have attempted to contact Central Financial Control on several occasions going back 2-3 months to obtain and itemized statement of services received on XX/XX/2016, in order to settle my lawsuit and pay the debt collector. This bill was generated from XXXX XXXX Hospital in XXXX, GA. Central Financial Control promises a 7-10 business day timeframe for receipt, however, they continuously fail to furnish the necessary documentation as requested.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts was CHARGED OFF. These accounts has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates In payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX  ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report immediately. 



Ive also found inaccuracies in the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

As stated above According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

Furthermore, I'm aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a certificate of financing statement form from XXXX XXXX XXXX XXXX. Search criteria shows no results found for me to pay any financial. As the concerned consumer there shouldn't be debt that does not belong to me reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following response from XXXX XXXX XXXX This invalid and incorrect reporting is against my rights under the Fair Credit Act and I am disputing the error with all 3 Bureaus : Transunion, XXXX XXXX XXXX 
This needs to me removed immediately! This should not have EVER been on my credit report. See companys response below. 
To Whom It May Concern : We would have no additional information as we are not the current owner and have not contacted XXXX XXXX since the date of sale. Thank you. XXXX XXXX XXXX XXXX XXXX 
Furthermore it is past the 7 years to report any information from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureaus and to companies. Companies may include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, and other companies in which there are fraudulent charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to Midland Credit Management on XXXX XXXX, 2022 attached below under Midland Validation letter. Their response was to only send an invoice of an amount they claim I owe them. I have already disputed the account with the original company ( XXXX ) that the debt does not belong to me ( attached below ) as this company does not have the correct address on file. So why are midland still reporting on my credit report, as they have provided no proof this credit belongs to me, I did not sign any paperwork, and are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has viloated my rights. 
XXXX IXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 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 am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
2.XXXX XXXX XXXX XXXX  XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX XXXX XXXX  XXXX : THis account is not listed properly error please delete. 
4. XXXXXXXX XXXX : XXXX XXXX : This account was discharged and listed improperly please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'VE HAD CALLED TRANSUNION ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.