23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of Oklahoma the first thing I let go back on XX/XX/XXXX for a withdraw of {$1300.00} from account XXXX to correct a debt that was my ex husband 's to bank of oklahoma. I went in to open an account they told me no to call a debt collector because I owed money. I called they had no record of me being on the account. I went back in a week later and they said the debt was cleared or they wouldn't have let me open the account. On XXXX they withdrew the funds with no notification after both companies told me they did not have my name on debt owed. I let it go. Now I have another problem because they did not close an old account. I deposited a check to XXXX on XX/XX/XXXX from a XXXX settlement. Following day on XX/XX/XXXX I went into XXXX branch to close the account ending in XXXX & open account XXXX. I transferred {$1900.00} to this account and closed account ending in XXXX. I signed papers to open the new and close the old. The old account has not been showing on my banking app till today XX/XX/XXXX it showed my paycheck from XXXX XXXX deposited but also fixed debt I had no idea about, because the account was supposed to be closed! & then I had to fix the debt on the new account XXXX that I was aware of. Because I have been in the middle of snowballing with bills because of the first initial withdraw XXXX did to take care of my ex husband 's debt back in XXXX of XXXX. They have record of me trying to find out what was going on we were at the broken arrow branch for over XXXX hours to figure things out & they still refused to refund the {$1300.00} even though it was not my debt. & now I have other fees that should of never went through on account ending in XXXX because it was a closed account. I am entitled to {$1600.00} from account XXXX XXXX XXXX XXXX XXXX combined Anything posted on account until XX/XX/XXXX I was aware of & even okayed with XXXX I even went back to the XXXX location and they said they have no record of me signing to close the account ending in XXXX because they no longer require it. I was asking for the copies of the account closure.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 got a claim but do know where or how to claim it
Product: Credit reporting or other personal consumer reports

After reviewing my Early Warning Service report. I notice negative reporting from several different banks, I'm not familiar with. I sent dispute to Early Warning Service asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX - XXXX. # XXXX According to the FCRA 2. Right to Dispute Inaccuracies o Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days. 
3. Notification of Dispute Results o Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

Early Warning violated by consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to Early Warning and their response. 
NOTE : Some attached photos are screenshots, and I colored my name out because I sent it over.
Product: Credit reporting or other personal consumer reports

I have sent over 20 dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have paid the debt but it is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ) violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Wells Fargo : 1 ) Advised me to borrow {$75000.00} and send it to their bank, and then withheld the funds for SIXTY DAYS against my explicit consent. 
2 ) They provided false information in the process of retrieving the funds, and misleading information in order for me to send more funds to their bank 3 ) Changed their policy after having already paid a material sum to lock in the rate 4 ) Increased the agreed upon rate by XXXX and explained that it was " out of their hands ''
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries on Credit Reports Complaint Against : 1. XXXX XXXX. TransUnion Complaint Details : I am submitting this complaint regarding unauthorized hard inquiries reported by both XXXX and TransUnion. These inquiries were not authorized by me, and both credit reporting agencies have failed to remove them despite my disputes. The following laws are relevant to this issue : 1. 15 U.S.C. 1681b ( f ) ( 2 ) : This law requires consumer reporting agencies to only include inquiries when there is a permissible purpose and explicit consumer consent. I have not provided consent for the listed inquiries.

2. 15 U.S.C. 1681q : This statute prohibits obtaining a consumer report under false pretenses. The entities responsible for these inquiries failed to obtain my consent, and XXXX and XXXX reporting of these inquiries enables violations of this law.

3. 15 U.S.C. 1681c-2 : This section allows consumers to block fraudulent or unauthorized inquiries. I have notified XXXX and TransUnion about these inquiries and requested their removal, but they remain on my reports. 

Disputed Hard Inquiries Experian Credit Report : First Invst SVC/FIRST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Steps Taken : 1. I filed disputes with both Experian and TransUnion to remove these unauthorized hard inquiries.

2. I requested documentation or proof of my consent for these inquiries, which neither agency has provided.

3. Despite my disputes, the unauthorized inquiries remain on my credit reports, negatively affecting my XXXX XXXX. 

Resolution Sought : I request the CFPB 's assistance to : 1. Ensure that XXXX and TransUnion delete the unauthorized hard inquiries listed above. 

2. Confirm that XXXX and TransUnion comply with 15 U.S.C. 1681b ( f ) ( 2 ), 1681q, and 1681c-2 by requiring permissible purposes and consumer consent for all reported inquiries.

3. Require XXXX and TransUnion to improve their dispute resolution processes to address unauthorized inquiries efficiently and transparently. 

Desired Outcome : Immediate removal of all unauthorized hard inquiries from both XXXX and TransUnion credit reports. 
A formal explanation from both agencies regarding their noncompliance with federal law. 
XXXX that both agencies will implement measures to prevent similar issues in the future.
Product: Mortgage

I did not apply for a mortgage, I used a mortgage calculator online to estimate a loan cost. Since then I have received non stop calls and emails from rocket mortgage. I have asked to be placed on do not call list and selected unsubscribe to every email I have received. Nothing stops the calls or emails and they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : American Express, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX Balance -.
Product: Credit reporting or other personal consumer reports

There is an incorrect Social Security Number on my report. I am unaware of this person and I suspect whomever this is has fraudulently opened accounts that has led to collections and negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, we set up a monthly auto-pay from our checking account at BOA to our landlord for amount of {$1100.00}. In XXXX of XXXX, we stopped that auto pay from BOA and started it from another bank in our city. However, we continued to receive notice, from BOA, by email, of pending auto-pay, followed by a notice, every month, that we had insufficient funds to cover that. In XXXX of XXXX, we went in to a BOA branch in a near-by city. We requested to speak with the branch manager and a gentleman responded. We explained our attempts to stop the auto-pay, and requested he assist us with closing the account. He did some work on a computer in our presence, declared the checking account was closed, and issued a check for the balance to us. The monthly notices, per email, have continued to us and to the landlord. They are each followed, after 3 days, with a notice that our account has insufficient funds. In the 15 months since our visit to that BOA branch, these notices to us and to the Landlord, have continued, every month. We have made numerous calls to BOA, and have received email confirmation on more than one occasion, that the problem has been solved. It has not, and this failure by BOA to respond appropriately has severely damaged our credit rating. In the past year our credit score has dropped approximately 100 points.
Product: Mortgage

I am the XXXX who listed my clients property for sale in Maryland ( Mr. Cooper, a Texas based mortgage lender / servicer ) has the loan. Originally scheduled to close XX/XX/2021 ultimately closed XX/XX/2021. To date no disbursements have been made as Mr. Cooper will not provide a pay-off amount to the title company. Additionally, they told my client on XX/XX/2021 they would provide an amount but run it through XX/XX/2021 - a full two weeks after he has transferred the property to new owners. Mr. Cooper is non-responsive to email inquiries and initially told the title company it could take 4-5 business days ( which have now passed ) to provide the requested information. This foot dragging and non-responsiveness is costing my client dearly from his scant proceeds and I hope this is not because of his being XXXX.
Product: Debt collection

Midland Credit Management keeps calling me asking for and looking for a relative that does not live at my address or share my number. I have told them several times that the individual does not live here and this is not there number and now they use robocalls to call me repeatedly starting in the morning. I have told them to stop calling and they will not stop calling
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A. 
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or aboutXX/XX/XXXX through Experian 's website I asked that a Bankruptcy be removed from my credit report as being inaccurate. On or about XX/XX/ Experian responded claiming that they had verified the Bankruptcy as being accurate. I am informed and believe that were unlawfully simply relying on information previously obtained from a vendor XXXX. On XX/XX/XXXX I contacted the Clerk of the US Bankruptcy Court and was informed that they do not validate the Social Security Number and Date of Birth of people who have filed Bankruptcy to Experian or anyone else. On XX/XX/XXXX I sent an appeal  pursuant to the FCRA and FTC to Experian via USPS Priority Mail Tacking Number # XXXX XXXX XXXX XXXX XXXX XXXX. Said letter was received by Experian on XX/XX/XXXX. In the letter I explained that the Clerk of Court had never been contacted to validate the Bankruptcy, and I asked for the person, date, time, and phone used at the Bankruptcy Court to validate the inaccurate Bankruptcy listed on my Experian Credit Report. OnXX/XX/XXXX I contacted Experian customer service at approximately XXXX and was told by the customer service representative ( CSR ) that they had no record yet of receiving my appeal and it really did not matter as I had the complete burden of showing that the Bankruptcy was inaccurate. I complete shifting of the burdens under the FCRA. When I got off the phone with the CSR I XXXX information about any lawsuits that Experian was involved in over this same issue. There have been others including class action lawsuits and fines from the FTC for the same behavior. Thus, I was surprised that Experian still feels that it is financially advantageous to continue their unlawful practices and not probably trian their CSRs. I need your help in prompting Experian to act lawfully as my XXXX would make it difficult for me to file a lawsuit, and I simply want the matter resolved
Product: Checking or savings account

I put through a dispute with Wells Fargo on XX/XX/2022. XXXX XXXX sold me a {$590.00} Defective phone. XXXX XXXX rep did not put in my XXXX card so it wouldnt work. Same day I had no directions & I tried to return it. XXXX XXXX refused. I tried it. The earphone was taken out. I purchased an earphone adapter. While using the phone, the volume went to zero. I returned it to the store. XXXX XXXX refuses to admit their phone is defective and employee did not put in XXXX XXXX XXXX XXXX card. I returned the phone to XXXX XXXX on XX/XX/2022. I request my refund.
Product: Debt collection

XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.