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

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$500.00} / XX/XX/2022 XXXX  / {$2000.00} / XX/XX/2022
Product: Debt collection

This is not my debt Shows on my credit file but i did not have an account with AFNI that keeps calling
Product: Checking or savings account

I am writing to file a claim against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues 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, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX - Auto Finance ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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, credit repair services, or other personal consumer reports

I sent a letter challenging the information TransUnion is reporting on XX/XX/22. so far its been 30 days and I have not received a respond from my dispute. The account XXXX XXXX information is inaccurate, the opened dates are different from each report and is missing lots of information, this account is not mine. XXXX and XXXX have already removed the erroneous account from their system.
Product: Debt collection

Since sometime in XXXX or earlier, energy accounts have been opened in my name in the state of Texas. These accounts are not mine & I have never even lived in the state of Texas. Now the accounts are being sent to collections & it is affecting my credit. The latest account in collections is from Procollection for around {$550.00}. I called XXXX to dispute the collection, the address linked, & another Texas address appearing. I assume the rep did not know what he was doing because he didn't dispute the linked address & the company has verified the debt as correct. I have called XXXX once again, explained the situation & disputed both things. After I submit this claim I will also contact the Collections company myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding my TransUnion credit report. It has recently come to my attention that there are several fraudulent hard inquiries listed on my report, specifically dated on various occasions between XX/XX/XXXX, and XX/XX/XXXX. I am deeply concerned about the potential implications these inquiries may have on my creditworthiness and overall financial well-being. 

I would like to assert that I have never had any dealings or business relationships with the following entities, which are listed as the sources of these fraudulent hard inquiries on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Auto Financing XXXX - Auto Financing XXXX  - Auto Financing XXXX XXXX - Auto Loans XXXX XXXX - Bank XXXX XXXX XXXX - Auto Financing XXXX XXXX XXXX - Auto Financing XXXX XXXX XXXX - Auto Financing XXXX XXXX - Bank Credit Cards I find it deeply concerning that these hard inquiries were made without my knowledge or consent, as they have the potential to harm my credit score and financial reputation. Furthermore, I have diligently monitored my credit activities and statements, and I assure you that I have never initiated or authorized any transactions with these companies or individuals. It is evident that these inquiries are a result of fraudulent activities targeting my credit profile. 

I kindly request the immediate deletion of these fraudulent hard inquiries from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or fraudulent information on my credit report and have it promptly investigated and rectified. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers have the right to request the removal of inaccurate or unauthorized information from their credit reports. 

I kindly request that you initiate an immediate investigation into these fraudulent hard inquiries and take the necessary steps to delete them from my TransUnion credit report. Furthermore, I urge you to extend the investigation to ascertain the origin and motive behind these unauthorized inquiries, as it is essential to identify and hold accountable the individuals responsible for this fraudulent activity. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please inform me in writing of the actions taken and any updates regarding the progress of the investigation. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers ' rights and ensuring the accuracy and integrity of credit reports. 

Thank you for your cooperation and assistance in rectifying this matter. Should you require any additional information or documentation, please do not hesitate to contact me at the provided email address or phone number. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have an Aspire credit card. An automatic payment was scheduled and processed through my account without my authorization, reversed as I didn't know it was processing, and I was charged the reversal fee. I called the company only to be informed that I was somehow set-up for automatic payments. I do not recall setting up auto-pay because I make regular payments to avoid interest as much as possible. There is a history of automatic debits on my account from past statements and I had no previous knowledge of these transactions. The representative said I set-up auto-pay in XXXX, 2021 yet from my XXXXXXXX XXXX  statement there is an auto-pay debit. Thus I don't know if I was overcharged and credited for the overages. The company representatives aren't well informed, my account transactions online and in-app are very few making it difficult to control/monitor spending. My trust for this company is waning. Their internal investigator kept asking me identifying question instead helping me with this specific issue. I could not get a straight answer from anyone as to what is really going. I was transferred to XXXX different people, hung up on twice, everyone seemed to not want to solve this issue. Meanwhile, I have a credit balance with a company I do not trust. My plan is to cancel this card but before then I need this to be look at because there is something not quite right with Aspire.
Product: Credit reporting or other personal consumer reports

I accessed my credit report and noticed hard inquiries and permissible purpose according to 15usc I also attached my hard credit report can you please investigate these hard inquiries XXXX XXXX XXXX delete this hard inquiry, XXXX XXXX XXXX delete this hard inquiry, XXXXXXXX XXXX XXXX XXXX delete this hard inquiry, XXXX XXXX please delete this hard inquiries
Product: Consumer Loan

My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.
Product: Money transfer, virtual currency, or money service

The purpose of this letter is to outline the facts of Ms. XXXX dispute with Well Fargo from my perspective. 

In XX/XX/2018 I discovered that a significant sum of money, approximately {$7000.00}, was taken out of my XXXX  XXXX XXXX checking account without my authorization. Upon this discovery, I submitted a fraud claim with XXXX  XXXX XXXX and XXXX XXXX XXXX provided me a {$7000.00} credit while they performed their investigation. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that because my username and password had been used for the transactions, they considered that an authorized transaction, denied my fraud claim and reversed the {$7000.00} credit from my account. No money was put into my account based on my claim and I subsequently closed that bank account with XXXX  XXXX XXXX. 

After receiving the fraud claim denial from XXXX XXXX XXXX, Ms. XXXX contacted me because {$2600.00} from her savings account and {$200.00} from her checking account had been taken from her Wells Fargo account stating that it was a partial reversal of unauthorized transfers. It was only at this time that I knew where the money gone ( Ms. XXXX bank account ) when it was taken out of my account without my consent. It was at this time that I discovered that XXXX XXXX, Ms. XXXX daughter and my ex-girlfriend, had taken the money out of my account under the pretext that it was to pay bills relating to the apartment XXXX and I were living together prior to the breakup. Ms. XXXX informed me that she was not aware of the fact that XXXX and I had broken up and that she was only involved in the situation thinking that the money was to pay bills. 

Because XXXX XXXX XXXX had denied my fraud claim and because I believe that Ms. XXXX did not know that the money had been taken out of my account without my permission, I agreed to help Ms. XXXX retrieve the money that had been taken out of her account as a partial reversal of unauthorized transfers. 

During the process, Ms. XXXX and I spent an absorbent amount of time on the phone with both XXXX  XXXX XXXX and Wells Fargo on numerous occasions in a failed attempt to retrieve Ms. XXXX funds. This included having to take time off work to make calls and to visit the banks in person. Both banks have pointed to each other as the reason the funds have not been returned to her and we were unable to come to a resolution. 

Ms. XXXX has kept prodigious notes which I have reviewed and I defer to Ms. XXXX notes for additional detail regarding specific dates and times we met with both banks. 

For any additional information, please feel free to contact me at XXXX. 

Thank you, XXXX XXXX
Product: Credit card

I applied and was approved for the American Express Hilton Aspire card. They had advertised XXXX bonus points once approved with a minimum spend. 

After I reached the minimum spend and was not compensated I messaged them. They said I was not eligible for it ( they did not disclose this after I was approved ) Extremely misleading especially for a card with such a high annual fee. I had never applied for this card before and have received a bonus from another American express card but it was the platinum card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to be removed from Equifax high risk status from my credit report I longer need be transferred to fraud department or office of the the consumer affairs. 

They are not assisting me with my disputes and be rude to me and unable to transfer me to American customer service.. 

And disconnected my phone calls numerous of times
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The WORLD FINANCE CORPORATIO account is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Bureaus. Lets review this now. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to resolve the fact that US Bank placed charges on our account that they said that I, XXXX XXXX XXXX, signed for. They do not have any records of me ever signing for this credit for any charges to go on it. After trying to get some resolution and no one ever calling me back, they put that I would not pay on my consumer report ( bad marks ). I since have tried to get this resolved. This is like a XXXX XXXX scam. Any time I try to ask for someone to speak to, I get a paper in the mail to fill out and send back to them and no one replies. Again, this is totally a XXXX XXXX scam! Please help! My credit is now bad because of this scam.
Product: Mortgage

I purchased my condo a few years ago and since then its been sold 4-5 times. Each time, it's relatively smooth and issue free process. Mostly I just need to provide the new mortgage holder with a copy of the flood insurance certificate from my HOA as that does not transfer. 

My mortgage was sold again in XXXX of XXXX  to PHH mortgage, and this new mortgage company is the worst I've ever dealt with. 

First, they declared that my flood insurance was inadequate. None of the other 4-5 mortgage companies found my flood insurance to be inadequate. I contacted PHH in a timely manner and provide the flood insurance certificate multiple times, along with a cover letter in which I did the math and showed them that the coverage was sufficient. Their overseas agents did not know how to read the flood certificate and were only including the primary coverage while there is also an excess policy. Despite all this, they still purchased flood insurance using my escrow funds. 

I filed a complaint with the XXXX  and only after that did they cancel the policy and refund the amount. 

Fast forward late XXXX / early XX/XX/2023. I get a notice that my monthly payment increased 500 %. Yes, you read that right. They increased my monthly payment from around {$1000.00} to {$5100.00}. A mistake like this is unacceptable from such a large business, and I called PHH in a timely manner to let them know this needs to be fixed. 

While they fixed the payment amount, PHH is now charging me PMI in the amount of {$55.00} per month. After calling back, the representative stated that I need to pay PHH {$190.00} to request an appraisal to remove the PMI. 

This is ridiculous for multiple reasons. First, I have not paid PMI in years. One of my prior lenders removed PMI from my monthly payment as they found my loan to value to be below 78 %.

Second, based on the two most recent sales comps from my condo complex ( all units are the same square footage ), my loan to value is 49 %, give or take. 

Third, I have an email from PHH dated XX/XX/2023 in which theyre trying to sell me a cash out refi. In this email, they stated their estimate of the fair market value of my unit ( and the fine print indicates this estimate is indeed their own internal calculation ). Using this fair market value number gives me a loan to value of 57 %, still well below the 78 % threshold for PMI. Why are they starting to charge me PMI if their own internal calculation indicates Im well below the loan to value threshold? 

PHH needs to remove the PMI from my monthly payment, and refund any PMI that Ive already paid. 

As an aside, I believe PHH is trying to nickel and dime their customers due to mortgage sales being down and this behavior is shameful. They have already been sued by multiple state attorney generals and need to be more diligent and above board.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account on my Report since  XX/XX/XXXX when I noticed that this appeared on my report.
I have asked both   XXXX   ( CRA ) as well as  XXXX  ( Creditor ) to furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .   XXXX   does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.
I have spoken to   XXXX    several time after each dispute requesting documentation, the person who is verifying this information and the method that   XXXX    is using to verify. I was just told by a Supervisor  XXXX  ( would not furnish last name ) at the Dispute dept. of  XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.
This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.
Why do we have laws and acts if CRA 's can circumvent these laws so easily?
<P/>
I have provided the information below on my dispute history.
<P/>
This is a summary of your   XXXX   Credit File activities within the last 365 days.
We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized   XXXX   to deliver online.
<P/><P/><P/><P/>
Results   XXXX   COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Viewed  XXXX  PENDING XX/XX/XXXX  XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX Expired   XXXX   COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX     XX/XX/XXXX  XX/XX/XXXX  -  XXXX  COMPLETED XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Product: Debt collection

I had a car I bought from a auction and sold a couple days later. I ended up getting a paper thru the mail that The car ended up getting towed from the person I sold the car to. I submitted that I sold the car to the XXXX the day it first got towed. I even contacted the tow company telling them I sold car and to who and that I dont have anything to prove that its mine at that time. The women said it was okay and we moved on from it. A month later the car got sold at auction and the fees came to me thru mail. I contacted the tow company once again and told them I sold it and even offered the copy of the bill of sale as well as the name and phone number of the person. The women didnt seem to care and kept saying the car was in my name when it got sold even though the XXXX says its not in my name. The XXXX appointed me to XXXX  XXXX that once the XXXX gets notified of the vehicle sold that no matter what the old owner cant be cited or responsible for it. I have screenshots of everything needed. As much as I wanted to make the tow company believe me they dont seem to care. Im a very responsible person and definitely was expecting them to actually send the debt to collections.
Product: Credit reporting or other personal consumer reports

I have been trying to remove credit inquiries for over a year now, Equifax is not fulfilling its obligations. Equifax 's initial decision was to remove credit inquiries from my report, but they were not removed later, citing the fact that I allegedly did not fill out the complaint on the CFPB website, which is already questionable. Then I complained to the Arizona State Attorney, to which Equifax responded that they allegedly did not provide my identifying documents, which is an outright lie, Equifax had all the documents that were necessary. Equifax then referred to the fact that credit inquiries should only be removed through creditors. When creditors sent deletion requests to Equifax, these requests were rejected, which I have confirmation of, for example, the XXXX XXXX  sent a deletion request and Equifax refused to delete. Everything that is happening is a complete violation of my rights and laws, I demand that all credit inquiries that are fraudulent be immediately removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX  XXXX positive XXXX, negative on Transunion year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX  XXXX XXXX XXXX closed XXXX XXXX  XXXX XX/XX/XXXX XXXX not mines XXXX XXXX  XXXX XXXX XXXX not mines don't know where it came from
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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

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 Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.