23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX. I had contact Capital One Financial Corporation bank as I had a XXXX IRA account with them. I discovered through my inquiry with captialone that they had closed my XXXX IRA account without properly informing they did close it. I was told to contact XXXX mutual financial companies to see about it. I contacted both XXXX and XXXX in which neither parties said my XXXX IRA was transferred over to them. I spoke with captialone and they said that with my account being closed they sent in information along with my IRA of {$6000.00} in the form of a check to my address. Which I had never received in addition as I had moved moved to a different address and I'd longer lived at my previous address and in addition of not receiving any notice of my IRA account closure. They were unable to assist me further nor attempt to offer a resolution for me. I had never experienced something liked this before nor was offer an explanation.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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

They failed to id me with my state identification numbers, Dear Credit Acceptance, I am writing to request the return of my title and settlement funds in regards to the fraudulent transaction against XXXX XXXX XXXX XXXX. It has come to my attention that your company did not operate in accordance with the Truth in Lending Act 15 USC1681, and furthermore did not report my credit fairly. 

As you are aware, financing charges can only be paid with money in hand. I did not receive any money in hand and instead signed a contract which was not the full contract that I had seen on the Credit Acceptance website. Additionally, I did not receive my car as part of a proper consumer to credit transaction. Therefore, I am not liable for the debt that is required, are contract is null and void due to the contract being fraudulent. 

Given these circumstances, I am requesting the return of my title and settlement funds. I would like to settle this matter through our abbreviation clause. Please let me know how we can proceed with this, I extended them the credit they claim to have loaned me. 
I am a sovereign entity. 

According to Congress fraud is anytime a Person ( Corporation ) transfer, traffic, or transport your Government Authentication feature for value! 18 usc 1028d ( 1,3,9, 12 ).

Also i did not consent for any company to use my data using a SSA-89 it's fraud. Irs Publications 4681 states that all charge off are income.. How I still owe a debt that was written off as income. 
I also didnt put a down payment of XXXX that is false. Which makes the contract false. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer agency can not furnish an account without my written instructions. In 15USCS 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Asking to speak to our deceased son. 

Refusing to identify the nature of the call. 

This is the second time they have called.
Product: Student loan

In XXXX Navient emailed me that they made an error on my account and NEVER applied the .XXXX  % interest rate reduction when you have automatic payments. 
I have been doing automatic payments for multiple/many years prior to XXXX. 
Navient advised they adjusted my account but it is not accurate for many years I have been overpaying in interest for many years and interest accrual. 
I don't believe Navient is accurate on how they adjusted my account and I have overpaid for many years. 

another complaint I have as I did go into forbearance on my loan and I believe that Navient failed to adequately notify me about the my options on income-driven repayments and what other options I had. I am still paying off this loan from XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. For the following account XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I see no changes for the last account that I've filed last month. I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Product: Mortgage

I had a Home Loan with XXXX XXXX XXXX, XXXX ( XXXX ) for a home located at XXXX XXXX XXXX, XXXX, GA XXXX. I notified XXXX that we would be moving in XXXX of this year ( XXXX ), which we did, and asked XXXX to consider a Deed in Lieu of Foreclosure. XXXX claims to have contacted XXXX XXXX XXXX to obtain a Title Release on a Lien that was on the Property, that has been done away with/Avoided and excused in the Bankruptcy Approved Filing ( Attached ). At any rate the remaining amount left on the Loan was {$87000.00}. XXXX had the property appraised at XXXX XXXX, which was less than the Fair Market Value, and would pay me the difference. 
XXXX has dragged its feet for almost one year instead of foreclosing on the property, neither has XXXX provided me with proof from XXXX XXXX XXXX that is a Valid Lien, because they can not. 
Now, XXXX Sells the Mortgage to Select Portfolio Servicing , Inc., XXXX. XXXX  XXXX, XXXX XXXX XXXX, Utah XXXX, and they start sending me letters & Mortgage Statements ( Last One Dated XX/XX/XXXX ) for that property that I do not own, which was Approved By a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Case Number : XXXX. Today, I get another letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX, stating that they own the Mortgage, in any case, this is not my problem, that property was returned back to XXXX in XX/XX/XXXX, and XXXX changed the locks and took possession of its property. What is being done by XXXX, Select Portfolio and XXXX XXXX XXXX is pure outright harrassment.
Product: Credit card or prepaid card

I opened an XXXX Card several years ago and have used the card for a couple of automatic transactions each month in addition to my shopping at XXXX. A couple of months ago the XXXX Card was transferred from XXXXXXXX XXXX  to Capital One. I received the new cards, but did not active them as I really didn't want a card with another bank. I thought I had paid the balance for the automated transactions and moved those to another card I have. In all the transferring, two automated transactions did go through on the Capital One card that I was unaware of, and I did not receive any statement advising me a balance was due until I received a text message today telling me my payment was late. I immediately looked into this late payment and called Capital One to tell them I never received a statement and had no idea that I even had a balance. I asked for the fees to be waived and advised I would pay the balance today, but was told that my request to have any fees waived was denied. 

I have paid the balance for the charges, but would like the late fees, and interest waived. I have not seen any negative reports to the credit reporting agencies yet, but would like assurance that nothing negative is being reported since I never received a statement. I really am not even sure how my automatic transactions went through on the Capital One Card as I have never even activated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to Transunion for a Debt Contract Request stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/XXXX I followed up with a dispute stating I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/XXXX I followed up with a Debt Validation Request stating I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Account information disputed by consumer, meets FCRA requirements. XXXX deleted from my report on my dispute completed XX/XX/XXXX and XXXX deleted from my report on my dispute completed XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states : I have a 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 with out my written instructions. 
15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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

XXXX XXXX running credit with out permission that I did not agree on. Was misled by a company called XXXX XXXX in XXXX XXXX. Was told they can go back 17 years in which is not allowed by las as was told by XXXX over the Phone. I was also told they was merge with Experian. I have also filed with the US Attorney office regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.
Product: Credit reporting

On XXXX XXXX I wrote to Experian to dispute XXXX ' account, and asked Experian to provide me with a copy of the verifiable proof or to remove the account from my records. 

Experian responded with a form-letter dated XXXX XXXX which simply stated account " remains ''. ( Answer enclosed ) On XXXX XXXX I sent Experian another request for verifiable proof as per Federal law. 

On XXXX XXXX Experian responded with the exact same form-letter responding account " remains '', and again without any proof of debt. ( Answer enclosed ) The Credit Reporting Agency can not report a debt without any proof. They simply obtain a confirmation from the collection agency and to them that 's sufficient. I have contacted the collection agency and they do n't send any proof either, only a computer printout. 
This complaint is to advise that Experian conducted an improper investigation. Experian failed to provide me with a copy of any documentation for example, a consumer contract, an order form, an agreement, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly DELETE all information which can not be verified. " Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED. ''
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.my three accounts with XXXX XXXX XXXX please delete from my account.
Product: Credit reporting or other personal consumer reports

I am and identify theft victim. I have sent multiple dispute letters as well as ftc reports and police reports to all three credit reporting agencies as well as the furthers of the accounts in question with no results. The accounts still remain on my credit report impacting not on my score but my life as a whole. I have sent letters on XX/XX/2024, XX/XX/2024, XXXX all with no explanation of how it was investigated. I requested all fraudulent information be blocked from my report but it still remains after every attempt to dispute it from my report. I have no received any information supporting the claims that I owe this debt as well as verifying the accounts in question. Please assist me in connecting the necessary companies to have this information blocked and removed from my report Assp.
Product: Credit reporting or other personal consumer reports

I got approved for a XXXX  XXXX card in XX/XX/year> around 2 weeks later prior to even receiving the card I received an email indicated that unfortunately they couldn't improve my account a month and a half later I received an email indicating that I have a past due balance on my card which I called right away and told XXXX XXXX that my account was closed and I didn't receive my card they did a fraud investigation and indicated that I'm at fault for it but after doing my own investigation I was able to contact the fraud department they did indicate that merchandise was not shipped to my address on file it was shipped to an unknown address and I still was at fault the shipping address was not my home address according to XXXX XXXX I am still responsible for an account that they close and showed that it was open for around 2 months when it actually got closed even before I received my card. 
XXXX XXXX and Equifax have failed to even look into my dispute and indicated everything was authentic XXXX XXXX also failed to investigate and see that my account was closed I never received a card and whatever was ordered with this card wasn't even received by me.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I reviewed my XXXX XXXX XXXX XXXX Credit Report. On XX/XX/year>, Captial One reported that my balance was {$24.00}. On XX/XX/XXXX, I paid {$24.00} online through my XXXX XXXX  Account. On XX/XX/XXXX, the payment ( XXXX ) posted to my XXXX XXXX  Account. My Capital One Balance owed on card XXXX is XXXX!!!!! As of Monday, XX/XX/XXXX, XXXX XXXX has FAILED to provide XXXX with my current account balance information. It has been 18 days since my payments posted to my account bringing my account balance to XXXX!!!!!. XXXX  updates my credit report weekly. 
On Monday, XX/XX/year>, I contacted Captial One at XXXX XXXX, I believe the representative 's name XXXX XXXX. I explained Capital One reported my account balance was {$24.00} ( date reported XX/XX/year> ) when in fact my account should reflect a XXXX!!!! Balance because the amount {$24.00} + {$0.00} was paid on XX/XX/year> and posted on XX/XX/year>. I demanded Captial One notify XXXX with my current balance of XXXX. It has been 18 days since the balance was paid, I demand my account reflect my current balance. This is NOT the first time I have encountered fair reporting practices with Capital One. Capital One blames XXXX for the lack of current information, when Captial One FAILS to provide XXXX with current information. XXXX can only report what information is received.
Product: Debt collection

I already tried to fix this with the company I dont know who lvnv company is I have no contract with them please show me the wet signature that I signed up with them. If they cant provide that it means I never had a contract. XXXX This is the claim number I already sent in and yall let them state I owe this debt that is not mines this is identity theft because I never signed a contract with them at all
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to resolve these issues directly with them and They are violating my rights and I'm entitled by consumer law to {$1000.00} for every violation I listed, they either pay me for these violations or delete these accounts ASAP.