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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX and the second day I receive the car the engine light was on and a warning that the gas cap is loose and there a noise every time I hit the gas I took the car to service 3 time no help the issue not resolved I contacted the customer service they seems they dont care much I need help please
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX Balance = {$770.00} Date opened XXXX Disputed this 3 times one online through XXXX app and also sent in 2 letters Most recent dispute sent in on date XX/XX/2022 This is a fraudulent account I have sent in receipts directly from XXXX to the credit bureaus showing I returned phone to store within 3 days of purchasing and they sent phone to collections stating i never returned Lastly I also contacted XXXX and still they have not removed from credit report
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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX, 2019,XX/XX/XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
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

I have spoke with experian and they asked me to follow some steps and send them documentation that shows that i have completed those steps to address my identity theft and the fraudulent accounts on my credit report. I have sent those documents certified mail to them and I have also attached the documents here
Product: Debt collection

We received a letter from XXXX XXXX with the collection company Vericore on XX/XX/XXXX stating that we owed a debt to XXXX XXXX XXXX for invoices from XXXX and XX/XX/XXXX, and that they intended to file a personal lawsuit against the owner of our company if that debt, legal fees and collection costs were not paid in full. Our accounts payable clerk reached out to XXXX XXXX that same day via email to let him know that we had already paid some of the invoices in question. She sent him copies of the checks that had been mailed and cleared the bank. She asked him what the balance was and how we could pay it. 
XXXX began calling and emailing daily from that point forward. He told the accounts payable clerk that if we paid the full balance of {$3800.00} he would be able to negotiate with our vendor to waive the fees and legal costs. We wrote a check for that amount on XX/XX/XXXX and sent him a copy of it. He immediately responded that it was not the correct amount because it did not include the fees. We told him that we were not confident that the balance he was charging was what we actually owed and that we wanted to confirm with our vendor. At that point he began making threats about calling our bank, vendors and other lenders about the debt. He said he was going to file a lawsuit against our owner. He started calling the office several times a day, and my personal cell phone and leaving voice mails. His emails were sent to four different employees of the company and were increasingly rude and threatening. 
On XX/XX/XXXX I sent him an email asking him to stop harassing us while we got to the bottom of the situation with XXXX and paid the debt. He responded multiple times on the XXXX and has already emailed twice today. His first email was sent at XXXX XXXX. He was never given permission to call me on my personal cell phone or to email XXXX XXXX one of our superintendents. 
We overnighted a check paying the balance in full to XXXX billing company today, XX/XX/XXXX. After filing this complaint I intend to make a complaint with XXXX and send a formal cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a fruadulent account listed from XXXX XXXX XXXX XXXX that I did not authorize or obtain this account. this account is listed on my credit report and its fraud. this account needs to removed and deleted from my credit file.
Product: Credit card

They put up my interest without informing me and let me go over a {$1000.00} over my credit limit. When I complained and said you put up interest rate without informing me, I will pay off this card and close my account, they just closed the account. They were demanding a huge minimum payment and refused to help me. I've had too fight to be put on a payment plan and they won't include the {$800.00} minimum payment in it. I already put a complaint in through consumerfinance.gov and they refused to reply to the complaint saying the complaints not in my name or under my own details so I've had to submit the complaint again.
Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX Subject : Unauthorized Hard Inquiries on Credit Report in Violation of FCRA To Whom It XXXX Concern, I am filing this formal complaint against the following companies for unauthorized credit inquiries on my credit report, which violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. These inquiries were made without my written consent or a permissible purpose as required by law. 

List of Unauthorized Inquiries 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 Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, companies are only allowed to access a consumers credit report for specific permissible purposes, such as with written authorization or for a valid credit transaction. I did not authorize these inquiries, nor do they meet the criteria outlined in the statute. 

Furthermore, under XXXX XXXX. XXXX, if a credit reporting agency or furnisher violates the FCRA by allowing or failing to remove unauthorized inquiries, they XXXX be held liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorney fees. 

XXXX Requested : I demand the immediate removal of all unauthorized inquiries listed above. Additionally, I reserve my right to seek statutory damages of {$1000.00} per violation as permitted under XXXX XXXX. XXXX. 

Please investigate and resolve this matter promptly. I request written confirmation once these inquiries have been removed from my credit report. 
Sincerely, XXXX XXXX
Product: Mortgage

My complaint regards being denied a mortgage modification. When the economy failed, my husband, XXXX, lost his job as a XXXX. He was also caring for his XXXX parents. As their needs increased, he became their full-time caregiver and they helped us with our bills. After his dad died of XXXX, XXXX continued caring for his mother with XXXX. When his mom was placed in assisted living this assistance ended. After that XXXX could n't find full-time work. I continue to be employed as a XXXX since 2004, but my salary did n't cover the bills. XXXX found side work, but it was n't enough. I contacted my mortgage servicing company and they were willing to assist. After I received foreclosure documents they no longer took my calls. I tried to respond on my own, but eventually I hired an attorney. She says we 're half way through the process with a year left. Our lender has rejected our modification requests even though we are both working full-time in permanent positions, have received " cost of living '' increases and have no credit debt. I understood that our eligibility hinged on XXXX 's obtaining permanent employment. That criteria was met years ago now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following accounts listed beneath that are responding incorrectly as a result of fraud. The following accounts must be removed from my file : XXXX CARD XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Checking or savings account

This company closed my account because I was receiving unemployment and it was frozen on XXXX XXXX. I was told they would send a check after they investigated and closed the account. Still to this day I have not been able to get an update nor an help about where my money is or why my account was closed. I also have been consistently mistreated when I call them. I can not remember the exact amount that was in there but it was about {$2000.00} that was stolen from me.
Product: Checking or savings account

So my navy federal account was overdrawn for XXXX dollars. They knew I did not have the money in my account and they let the transaction go through anyways.
Product: Credit card or prepaid card

An individual user made six purchases on a website called XXXX under the name XXXX XXXX on XX/XX/22, using my XXXX XXXX issued via Comenity Bank. Total amount charged was {$590.00}. I spoke with the credit card company who then flagged the purchases, closed out the card and issued me a new one. In addition, I went to my local police department, XXXX, Ma to report the fraud.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' saving accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings Account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

Further to XXXX US Bank called to offer a flex loan that they had previously offered in XXXX. When I was about to take it she said, I do need to tell you that you might not be eligible for state assistance. What she meant was I would have to give back the assistance I had received from the federal government program from Covid relief and add XXXXXXXX XXXX XXXX back on to my account. 

The attempt to slight of hand by saying it was state when it was federal money managed by the state. And also to say might not be eligible which sounds like it is in the future when really what they meant was that they would go back two years and take away the money that was already applied. 

Which would really work out for them because it would reapply all that debt and the 2 years of interest on it. 

Im sure there is another advantage I havent thought of oe dont realize. 

I feel really badly for all the people who wouldnt have realized what was being done to them. 

I am also certain that this was offered in response to my previous complaint ; given that I have been trying to resolve this tor years and they have not offered to resolve it at all or done much of anything but obfuscate. 

Now if they can approve a flex loan if they add money back onto my loan why cant they approve it without doing that? Especially when said money has already been applied to my account - 2 years ago. 

This is simply a way for them to put me further in debt and make more off of me. 

At this point I believe all the obstruction has been to that end. 

I also found it interesting that, as I previously mentioned for the last year if they call and I answer the phone they hang up. I have records of the phone call lasting 10-20 seconds so it is not simply that I dont pick up in time. I have picked up on the first ring and still had this happen. This was the first time that I have had anyone respond.

Finally, they made it pretty clear that yes I could still apply for a flex loan or a deferment but if I wasnt going to return the federal funds I wasnt going to get approved. They obviously did not go so far as to say that outright but made it pretty clear.

I think it is worth noting that before Covid I had never missed a payment. In fact I often paid extra against the principal. As I previously mentioned I tried to restart the loan at the end of XXXX but their tactic seems to have been to delay and confuse in order to increase my risk and destroy my credit. 

I think they made this offer because they thought I would be stupid or desperate enough to go through with it I am looking into taking legal action.
Product: Credit card or prepaid card

On XXXX XXXXXX/XX/XXXX I was sending money to XXXX XXXX. I typed her name in and sent {$320.00}. The name immediately changed after the money was sent to XXXX XXXX whom I do not know and was not sending money to. This was a system error on their behalfs the names did not match. This transaction was unauthorized and chime bank is refusing to reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my Experian report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are XXXX months but on my experian report XXXX  months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Product: Debt collection

I got restricted phone calls on XX/XX/ 3 times within half hour to call a number with a case number that someone was going to serve me from an account in XXXX with wells fargo. They also called on XXXX and left a voicemail to call a different number with same case number. I usually do not answer restricted called but they kept calling me repeatedly. The numbers are XXXX and XXXX and it's the same guy and refused to give me his name or any information. Threatening that I will be having court and getting served.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and U.S. Bankruptcy Court XXXX Date Filed : XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

I am formally disputing the credit card account listed on my credit report as Capital One, first XXXX digit account number XXXX .After Multiple attempts of removal of This account and is NOT my account and contains multiple inaccuracies : 1. I do not recognize this credit card account 2. I have never opened an account with this credit card company 3. The account details do not match my personal information 4. This appears to be a fraudulent account placed on my credit report I request a complete and immediate investigation into this account. Please : - Remove this account from my credit report if it can not be verified as legitimate. I request written confirmation of your investigation and the steps taken to resolve this dispute
Product: Checking or savings account

XX/XX/23 refund for {$96.00} was made from XXXX XXXX merchant. Bank of America says it it takes 5 days because they don't have the money yet which is inaccurate. The money was sent back which is why they can record it taking place. Bank of America charges a LOT of unnecessary fees and places ridiculous holds on your account to create overdrafts so they charge more fees.
Product: Mortgage

After XXXX years of homeownership with this company, you can have your home appraised again and apply to have PMI removed. I went through this process and they sent out a guy and he appraised my home 5 % over the two year period ( {$310000.00} to {$330000.00} ). Yet, if I go on their website and evaluate my home using their tool it comes in at {$430000.00}. While, I think that is a bit high, it's certainly not uncommon either in this market that exists. 

Upon rejection of my first request they told me to find evaluations and submit them. Iwent to the XXXX XXXX Auditor site and did my best to try and find comparables. They of course came back and rejected all my evaluations and they would not remove PMI. 

Last, I asked if I could hire my own independent licensed appraiser and pay for an independent appraisal of my house and they said No once again. I strongly believe the person they sent to my house was obviously working in their favor, I get it. Here is one of many example that occur in this marketplace. A home XXXX doors down from me recently sold. It had no updates, except a fence in the back yard, which by the way I added as well and twice the size in that 5 % evaluation above. The house sold XX/XX/XXXX for {$230000.00} which was {$17000.00} above asking price. On XX/XX/XXXX the same house with no additional updates sold for {$290000.00}. A 24 % increase in XXXX  years on a XXXX XXXX XXXX XXXX My house is a XXXX XXXX Bath updated house with a full finished basement in a culdesac and bigger lot. Yet, somehow my house is the only one in America that has not appreciated with the rest of them. I would guarantee a listing of my house at {$390000.00} would have multiple offers and no problem with a real appraiser evaluating it. In addition, I would bet if I wanted to refinance my house with a cash out offer, PennyMac would use that {$430000.00} evaluation on their site.
Product: Mortgage

My home in XXXX XXXX XXXX, CA closed escrow on XX/XX/2024. The Principal Payoff was completed on that same day. The payoff was {$380000.00}. That left a remaining amount of {$2000.00} in an " Unapplied Fund '' account. Unfortunately I did not stop my autopay in time so on XX/XX/2024 Mr. Cooper received my payment of {$1900.00}. So now there is a total of {$3900.00} in this " Unapplied Fund '' account. On XX/XX/2024 I had a ticket created with Mr. Cooper asking what I need to do to receive my " Unapplied Funds ''. I have not heard anything from them at all.