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

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Product: Debt collection

Good Afternoon, This is XXXX XXXX, I use to live in XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have proof of emails going back and forth with the manager advising her 3 weeks ahead that I was going to move out of the XXXX XXXX due to raising the rent with out notice. I properly informed her send an email also filled out some paper work and returned it back through email. When I was about to move out the last day she did not even notify us where need to sign or drop off the keys. Also reasoning of moving the XXXX XXXX was infested with roaches she been notified multiple times to please do something about it but not really fix the issue where I started to get sick due to the roaches infestation. Leaving the XXXX XXXX I made sure I cleaned as much as I could but the roaches where still out she stated in a note that was no clean which thats in curtate also left due being sick I wanted to leave before I wasnt unable to make no more payments for my illness an not leave in wrong terms or have a bad credit on my side due to that also I have the agreement where it states the deposit they will use it for any circumstances am they are charging me for no reason I am unable to pay at this moment Im going in XXXX I believe I did the proper procedure in giving them enough notice to move out and not owe anything may I please be advised with some assistance.
Product: Credit reporting or other personal consumer reports

This is my final dispute with Transunion before I file suit against the company for violation of my rights namely their failure to investigate a consumer dispute and due a thorough and reasonable investigation. Instead they simply just accepted what was told to them when they sent the dispute to XXXX. 

This account is currently in federal court under litigation for their violations, however Transunion is equally liable for their failure to review my dispute and I have plans to file suit if this account is not removed IMMEDIATELY. 

I have attached copies of both disputes as well as the Federal Lawsuit against them... I will be seeking damages from Transunion for these violations as this inaccurate information has caused serious damage to me as a consumer.
Product: Checking or savings account

For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX States : No, consumer reporting agency XXXX make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I was out bar hopping one night XX/XX/year> when I misplaced my wallet I did not notice until days later I missed placed my wallet. With that happening my card was used to make unauthorized purchases in store.
Product: Student loan

Navient site shows a XXXX payment amount, then after they handed the payments over to XXXX they apparently, without government authorization, are sending me notices for past due amounts through a third party which has been shown to use illegitimate business practices to collect and report debt that does not exist with a fictitious company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send a dispute letters to XXXX and Transunion about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission 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.
Product: Debt collection

This is the XXXX time I am disputing the same identity theft debt from XXXX. Each time I report it through CFPB the corresponding collections agency closes the account, and my credit score returns to normal because the debt does not belong to me. However, when there is an inquiry on my credit for a new lease or a credit card, the debt ( {$400.00} ) pops back up immediately with another collections agency. 

The XXXX previous collections agencies were XXXX XXXX XXXX and XXXX  ) XXXX  XXXX. It seems to have been moved or sold to Enhanced Recovery Company in Florida. 

I have never been contacted by any of these agencies. I find out about this fraudulent debt when I check my credit score. Again, I have never been notified by any collections agency. 

I have no documents to show for any of this because XXXX XXXX XXXXhe debt doesn't exist and XXXX  ) I have never received a call or a piece of mail from any of these companies, including XXXX  itself
Product: Mortgage

My mortgage company is Freedom mortgage. Last month I contacted them with regards to an equity loan with the hope of paying off high interest debts. I was contacted by XXXX XXXX who is the loan advisor and I explain what I wanted to do adding also that I was a retired veteran and XXXX. XXXX XXXX later told me that I would be charged {$1000.00} as a rate lock fee but it would be refunded if my loan request was denied. I thought it sounded legit at the time but later XXXX XXXX told my interest rate would increase considerably however, I could always lower the rate later if I chose an IRRRL ( Interest Rate Reduction Refinance Loan ). I did not think about it at the time, but she left out the part that for veterans with service connected disabilities can have that fee waived. Whether she left that out deliberately or not, I decided to cancel my request for the loan for now and I subsequently sent her an email telling her to discontinue the loan process. XXXX XXXX wrote back stating that she was sorry I was not happy with the offer and that all the fees had been waived. I thank her and I thought that was the end of it. However, a few days later I noticed that my credit card still had the charge and it the {$1000.00} they had charged me was not refunded. I immediately contacted XXXX XXXX about the situation and after a few days she finally responded. This time she stated that rate fee was not refundable unless my loan was denied which sounded absurd because I contacted her even before the processing of the loan. I believe Freedom Mortgage is engaging in unfair practices and deceptive practices by refusing my legal rights. Nothing was ever said that they would not refund my fee if it was for anything other than my request being denied. I also feel they took advantage by excluding me of my certain benefits in being a veteran and XXXX. I contacted legal advice who referred me to your website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've removed my freeze from my credit report for a week to apply for XXXX XXXX business credit card for my XXXX shop and I was sent alert notifications that some lender other than XXXX XXXX had ran my credit without me authorizing it. I tried to reach out to their consumer credit reporting and they kept sending me to different department which is frustrating. no one from their side even reach out to verify to ask if it was me that who requested the pull. I don't these old inquires coming back on report or if they're new because I recently just had these lenders removed but they came back. I would like these removed off my report because my credit is important to me at my age and I've really hard to build it. The companies I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ____________________ XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX _____________________ XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX  and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I had a savings account with Capital One Bank that had a balance of {$6.00} on XX/XX/2023. Apparently, Capital One deemed the account dormant on that date. Capital One sent a notification of the dormant status on or after that date. Subsequent to that date, Capital One also sent me the attached bank statement showing that the {$6.00} balance had been debited from my account. Both the notification and the bank statement were mailed to my current address. When I called Capital One to find out how I could close the account and retrieve the {$6.00} balance, I was told that the {$6.00} balance had been turned over to a state unclaimed property department. I was told to check XXXX. I did so, but my name was not associated with any unclaimed property for either state in which I have ever lived : Wisconsin and Florida. I repeat : THE UNCLAIMED PROPERTY DEPARTMENTS OF THE 2 STATES IN WHICH I HAVE EVER LIVED -- WISCONSIN AND FLORIDA -- DO NOT LIST ME ON THEIR LISTS OF UNCLAIMED PROPERTY. So, Capital One has simply stolen my {$6.00} and refuses to return it. They obviously had my current address, because they used it to send me a notification that my bank account had become dormant and to send me the bank statement showing that my account had been closed and the {$6.00} balance had been taken all within the same month : XXXXXXXX XXXX. I seek your help in getting a refund of the {$6.00} that Capital One stole from my account.
Product: Debt collection

I told them that debt doesnt belong to me at all I dont believe thats mines all
Product: Credit reporting, credit repair services, or other personal consumer reports

Cash Central, a loan service, reported an inquiry that I, XXXX XXXX XXXX, did not commit.
Product: Mortgage

I received an Escrow Shortage notice via mail from Chase Mortgage. I was not credited for {$200.00} to my escrow account for XXXX 2015. My escrow payment comes directly out of my house payment each month. I have called numerous times and spoke with XXXX different people at Chase regarding this. Supervisor XXXX XXXX said I was correct and their statement was inaccurate. She then called me back 2 days later and said she made a mistake and would send me the appropriate paperwork. I have not received anything further and I left a message for her on XXXX/XXXX/15. She has not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX LL Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent and unauthorized inquiries on 2 of the credit bureaus. I sent certified letter to remove XX/XX/24 and the company refuses to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXXXXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX**** Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$74000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Update Credit Card Status to " Paid '' in Accordance with IRS Form XXXX I am writing to request that the status of my credit card account be updated to " Paid '' in accordance with the information provided on IRS Form XXXX for tax reporting purposes. 

Account Information : Credit Card Account Number : Card ending in XXXX Credit Card Issuer : Comenity Capital Bank/Ultimate Rewards Credit Card Background : As part of my annual tax reporting obligations, I have received IRS Form XXXX, which reflects the forgiveness or discharge of debt associated with my credit card account. This form indicates that a portion or the entirety of the debt has been settled or forgiven, resulting in tax implications. 

Request : In light of the information on IRS Form XXXX, I kindly request that you update the status of my credit card account to " Paid '' across all Consumer Reporting Agencies ; including XXXX, XXXX, XXXX, and all secondary reporting agencies-within your records and with the credit reporting agencies. This update is essential to ensure that my credit history accurately reflects the resolution of this debt, and it is consistent with the tax reporting requirements outlined by the IRS. 

I understand that updating the status to " Paid '' is a standard practice when a debt is forgiven or settled, and it is essential for maintaining the accuracy of my financial records and credit history. 

I kindly request that you complete this update promptly and inform me once the change has been made. Please provide written confirmation of the status change for my records. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I am XXXX and have been actively XXXX for years. I filled out the paperwork and was told that i qualified for discharge of my student loans due to the XXXX and meanwhile they had me on a repayment plan of {$0.00} so I thought it had all been taken care of but when I pulled up my credit report it still shows that they are reporting it as an active debt and negative. This affects my ability to obtain medical needs due to their negative reporting and the information they have is inaccurate as well the date of birth listed is wrong on numerous things they have listed. I was told all my student loans were discharged due to my XXXX then when I contacted them they give me the runaround oh we need paperwork they say they never received etc... I barely am able to live right now and this stress is most certainly not helping my health. Talking to someone is like talking to a brick wall. Not getting anywhere. They have told us XXXX thing and have done exactly the opposite placing us in a horrible ongoing situation, If it is discharged why are they reporting it the way they are preventing us from obtaining the much needed medical care we need that is turned down after reviewing our credit and the informaiton listed because of this debt that we are not supposed to have.
Product: Checking or savings account

Regarding unauthorized charges too the account ending in XXXX. There have been varies XXXX made to this account. I'm trying to have the XXXX charged back. Neither, I or anyone authorized by me made those charges. I need help to obtain these XXXX  charged back.