23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

In XX/XX/2020 I asked Dovenmuehle mortgage servicer for XXXX XXXX XXXX to remove PMI from my loan # XXXX. I sent a list of improvements to my home. They delayed responding and ultimately told me I need to send {$400.00} for a new appraisal. I sent the money. In XXXX the appraiser came out. The appraisal came back at $ XXXX against my $ XXXX balance. 
The appraisal also noted all of the improvements and remodeling done to my home. 

Doven replied to me they would not remove PMI because there were not enough improvements to the home.
Product: Debt collection

The law firm of Celentano, Stadtmauer, Walentowitcz, LLP ( " debt collector '' ) has continued to notify me by mail about a medical debt that is incorrectly directed to me ( XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX ), as I am not the primary account holder or member name of the group medical insurance policy associated with the false claim, and the claim is baseless as the insurance provider ( XXXX XXXX XXXX XXXX ) paid the agreed upon rate for this claim, and the hospital ( XXXX XXXX XXXXXXXX XXXX ) is simply abusing the billing process and adding additional out of pocket costs to my family. 

I have attempted to contact XXXX XXXX XXXXXXXX numerous times via phone about this claim to dispute it, but their customer support lines have wait times over over an hour in most cases. 

I have had email communications with XXXX XXXX XXXX at the above mentioned debt collector, last being XX/XX/2023, explaining the incorrect nature of the two claims ( incorrect person as the member name ( account holder ) of the insurance, and the excess charge for agreed upon rates already collected ). The information and documentation provided by the debt collector clearly shows the discrepancy in the member name as the primary account holder with XXXX, XXXX XXXXXXXX ). 

On XX/XX/2023, I received another postal letter from the debt collector, saying a lawsuit will be filed against me no earlier than XX/XX/2023 in regards to this matter. 

XXXX XXXX
Product: Debt collection

I recently reviewed my XXXX  credit report and I was totally shocked to find State Farm Bank has reported a fraudulent account on my credit report. I am requesting for State Farm Bank to delete and remove this account immediately from its system as well as my XXXX credit report or legal actions will be taken against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Vehicle loan or lease

I noticed that someone tried to open an XXXX loan with XXXX ( in the inquiry report it says XXXXXXXX XXXX  ) on XX/XX/2023. This attempt to obtain an auto loan was done without my permission. I have since frozen my credit with the XXXX major credit burials. 

Any loan that is opened with this lender has been done without my knowing.
Product: Mortgage

Key bank XXXX XXXX XXXX XXXX marketed actively in a XXXX group of XXXX audience, I attach the print-screen. 
XXXX XXXX XXXX quoted rate without XXXX, this violated regulation XXXX XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. XXXX XXXX was terminated by XXXX XXXX because he marketed on XXXX. 
XXXX XXXX knowingly violated policy. He shall be terminated.
Product: Credit reporting or other personal consumer reports

I am not liable to any dept withXXXX XXXXXXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, US C 1681 and US see 1681S2. I have a right to privacy, and I did not give permission for these to be reported onto my credit report. 

XXXX XXXXXXXX XXXX XXXX
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 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXXXXXX 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 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

Trans Union, is misreporting credit information - inaccurate beacon score and, incorrect balance owed to a particular creditor, the VA XXXX XXXX XXXX. I, filed an online consumer dispute in XX/XX/2020, Trans Union claims they never received. I re-filed a second complaint on or about XX/XX/2020 ( still unresolved ). My credit beacon score has been lowered due to these inaccuracies. I pay my bills before I eat - why am I being penalized, being subjected to their inaccuracies. Why?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

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

Experian fails to investigate a Medical collection from a company called XXXX this is not my account and is for XXXX $ from 2013! I have asked for an investigation proving it belongs to me with no success I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file. 

this has been over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion several times to remove inquiries off my credit report. I did not make or authorize these  XXXX  inquiries. I would like these inquiries to be removed immediately.   XXXX     XXXX   XXXX  - XXXX -16   XXXX   XXXX    XXXX -16   XXXX   XXXX    XXXX -16   XXXX     XXXX -16  XXXX   XXXX -16
Product: Credit reporting or other personal consumer reports

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX, XXXX, LA XXXX is present on my Equifax consumer report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XX/XX/XXXX is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, XXXX  and Equifax. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get XXXX XXXX 

The following inquiries are XXXX XXXX XXXX XXXXXX/XX/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: Checking or savings account

I invested in this Robinhood XXXX XXXX XXXX and they have been scamming me out of proceeds and my money.Tjeir real time market prices and what it does to value of your overall balance at the very monent the market goes up or down are incorrect. Also i withdrew XXXX XXXX some dollar 's in XXXX and invested in regular stocks and didnt make my investment balance go up at all so its like the money vanished. I elected the other day to chose margin investing to borrow money to invest the only thing that was shown for charges for doing so was 5.5 percent interest. Come to find out they have all these hidden extra charges for every transaction you make without notification. Theres nothing showing the amount of margin theyve taken and what a margin costs when you do a transaction wheter buying or selling. I lost about XXXX XXXX dollars in 4 days cause of this. Their data on if a stock is currently up or down is incorect i invested in ones that show at that time to be profiting youd think than id be making profits many times i just lose money and value. I dont think ive gotten interest payment amounts the correct amounts on the money in my account from day one. Last weekend the market was really down their supposed to put a trading halt on they didnt i lost alot of money because they kept it active. Now this weekend the markets up and now they put a trading halt on so i cant make any money this is not what they advertise and what they state should happen! I figure im missing around XXXX dollars give or take. I want to get rid of margin investing but cant i lost to much money if id close margin investing and to do so id lose more money because XXXX XXXX to sell numerous stocks and each one they charge hidden fees. They dont have a phone number advertised or an address. Their trying to be discreet because their fraudulently scamming people out their money. And they did have at least live chat since i started complaining about the mistakes and errors and misleadings the shut down the live chat you can only email and their not responding to my emails.You cant even print anything out because everything is trough their app so i cant have an accountant go over my account. Their purposely doing all these things taking my money in fraudulent ways. I can handle losing money honestly but not like this. Im down around XXXX XXXX dollars in last 10 days alone in the different ways they havnt allowed me to trade freeing my stocks but keeping them open during heavy losses and their hidden amounts that they charged in margin investing without nottification. I need your help i wan na close my account but down to much money. This is my financial livilihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer on XX/XX/2023 at the Wells Fargo location in XXXX XXXX for the amount of {$92000.00} to my new bank. I received the receipt and the bank stated XXXX days before the funds will be transferred. My wife then called and inquired about closing the account once all transactions were settled, the bank stated once all transactions were settled the account would close acknowledging the wire transfer. I received a call from the XXXX branch manager XXXX XXXX XXXX stating there was a bank error and that the account prematurely closed causing the wire to not go through and causing both Wells Fargo and my new bank to show zero balance. When I asked the manager XXXX where the finds he stated he was not sure possble still in the closed account. He stated he would try to reopen the account to retrieve the funds. after a week with no response from the manager XXXX, I called him and asked for an update. He stated the funds were sent via cashier check without my permission and with no verification of address and signature. It now has been weeks later and there have been no cashier checks for the amount stated. Additionally, the Wells Fargo Bank location incorrectly listed the transaction as a payoff debit transaction instead of a wire transfer. This was my wife and life savings and we had essentially been denied access to these funds without our permission. I have records of the receipts and phone records of speaking with the branch manager. If I do not receive the funds soon I will be forced to go into litigation with wellsfargo, I have already spoken to my lawyers and they stated there is a strong case for a class action lawsuit because wellsfargo did not follow their terms of agreement and policies.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to CALIBER HOME LOANS, IN for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX 's home mortgage payments ffrom Wells Fargo have misallocated more than twice. 
. this last time, 2 months were misallocated and foreclosure letters dated XX/XX/2021 and received slightly later. 
sent to XXXX and XXXX XXXX ( cosigners ). along with XXXX. 

Even though XXXX says they are correcting the matter, we want to make sure our credit rating will not be tagged and lowered. 

Also we want these errors to be documented because others may be affected in their accounts in a similar way. 

attached are several of the documents. 
Please let us know if you need more information XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my original complaint regarding the inaccuracies in my credit report, for which I submitted a formal complaint and attached a letter to Experian. 

As outlined in my original complaint letter, I made specific requests in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). I demanded that Experian provide all necessary communications conducted to verify the accuracy of the accounts listed in my credit report. This includes, but is not limited to, the date of communication, the person spoken to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this information on my credit report. 

Accounts in question - 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 Despite these clear requests, the attached letter from Experian dated XX/XX/2023 indicates that an investigation was conducted, but crucial information was not provided as per my original demands. This, unfortunately, is a clear violation of my rights under FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). 

I am disappointed that Experian has not complied with my requests, and I reiterate my demand for the verification of the accounts in question or their immediate removal from my credit report. It is essential that Experian fulfills its obligations under the FCRA to ensure the accuracy of the information reported. 

I kindly request your urgent attention to this matter and a prompt resolution. Please provide a detailed response addressing the specific information requested in my original complaint letter. Your cooperation in rectifying this situation is appreciated. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX  % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a XXXX  adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit card or prepaid card

There is a dispute with a deposit at a hotel and the money refunded was refunded late and then they close my account I want to pay the debt and reopen the account