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

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Bank XXXX. 

Dear Experian, I am writing to formally dispute the inaccurate information that has appeared on my credit report regarding a debt that was allegedly transferred to XXXX XXXX XXXX. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. 
Date Opened : XX/XX/year> Account Status : Collection account with {$650.00} past due as of XX/XX/year> Balance : {$650.00} Original Balance : {$650.00} Dispute Points : Unauthorized Transfer of Debt : I have never agreed to or signed any contract allowing the transfer of my debt from XXXX XXXX XXXX XXXXXXXX. to XXXX XXXX XXXX. Furthermore, I was not notified of this transfer, which is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Privacy Violations : This unauthorized transfer and reporting of my personal financial information to XXXX XXXX XXXX is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which protects my financial privacy. The handling and sharing of my information without my consent is illegal. 

Fair Credit Reporting Violations : The reporting of this collection account by XXXX XXXX XXXX is inaccurate and unlawful. XXXX XXXX XXXX is acting as a debt buyer and is required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information they report is accurate and verifiable. Since I have not received any verifiable proof of the debt transfer or the legality of their collection efforts, this account must be removed. 

XXXX Requested : I demand the immediate removal of this collection account from my credit report. 
I request that you provide proof of the debts accuracy and documentation verifying that XXXX XXXX XXXX has the legal right to collect this debt. 
If this issue is not resolved, I will escalate the matter with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other appropriate government agencies for further legal action. 
Please complete this investigation promptly and notify me of the results in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Product: Mortgage

My husband and I are wanting to purchase a mobile home and after trying to fill out the in-house lender through the mobile home park, it prompt me to this page " unfortunately, we do not have a lender that match your needs, etc '' then I picked the Quicken loan " see weblink '' XXXXThen I had applied through Quicken Loan and wrote both my SSN and my spouse. To my surprised, it gave me an error and never received a result. An agent phoned me right away and explained that Quicken Loan never process any mobile home loans and tried to convince me to get a single family home loan. I said NO and they should have never advertised from the mobile home site to begin with. I am a XXXX in the state of XXXX but currently working as an apartment locator. You can say I am very naive about the mobile home buying, but this company put a hard inquiry on my XXXX credit bureau effective today XX/XX/XXXX. This is an unfair practice and obviously I was a victim of a " bait n switch '' type of advertisement. Please help me remove this hard inquiry off my credit because we are trying our best to buy our cheap permanent home. This hard inquiry will definitely affect any future purchase. Here is the Quicken Loan informationEMS QUICKENXX/XX/XXXXXX/XX/XXXXMisc. 
Creditor Contact DetailsQUICKENLOANS/EMSQUICKENXXXX XXXX, XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...
Product: Debt collection

This credit card was included in XXXX  XXXX bankruptcy with the original creditors. This should not be reporting as an active collection reporting any balance due.
Product: Credit card or prepaid card

The account is XXXX XXXX and therefore it needs to be taken off me. The balance is XXXX is not accurate in any measure. I need this taken off because it is not something that needs to be on here and its inaccurate .charges need to be removed and it needs to be listed as something that can be handled. The balance needs to be from written off to all the way closed. The card need to be handled in any concerned and i would appreciate any help you can assist me in. I need you to help me get this off my credit report due to the issue being at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

On XXXX XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
My letter informed them of their breach of contract and failure to comply with their own lifetime guarantee. They never replied to my letter. 
They had sent me a letter earlier to notify me that they had filed bankruptcy and would no longer service or honor their lifetime guarantee. I had reached out various times for service and no calls or requests were answered.My teeth were never straightened, but were further misaligned. 
In their letter they informed me that I should consult another dentist for treatment ( and I did ). 
Please see copies of my letter and theirs in attachment. This company has been found liable in various states of fraud and ordered to refund customers their money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts Impacted : XXXX XXXX XXXX Account # XXXX XXXX  XXXX  XXXX  Account # XXXX** XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX inquired on XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  inquired on XX/XX/year> Please see all documents attached
Product: Prepaid card

I ordered XXXX tires from XXXX and paid for them with gift cards. The tires were supposed to be shipped to the store but they were not there when I went to have them installed. I have been promised on XXXX separate occasions that a full refund would be issued and that I would receive a replacement card electronically but one has not been received.
Product: Money transfer, virtual currency, or money service

I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. 

I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. 

XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. 
I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. 
Title Company recommends I contact Discover to verify transfer details are correct. 

XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. 
Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. 

XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. 


XXXX XXXX I wait for transaction to settle. 

XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. 
I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. 
That they have done all they can, and they can't help me anymore. 


XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. 
Title company contacts me to let me know they have received the money. Saving the deal. 

I contact Discover Bank, to initiate a recall on the first wire transfer. 
I don't receive an email or confirmation about it. 


XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. 
They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. 
They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. 

XX/XX/XXXX Still no solution...
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : 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

Date : XX/XX/2024 Reference # XXXX Agent EID # XXXX I wanted to close my Capital One Checking account. There was only one way to close my account and it was through the phone. Where an agent picked up, she claimed they can not close my checking account unless I agree to additional terms and conditions, which I rejected. When I rejected to agree to the new terms and conditions, she claimed it was part of the terms & conditions when I first applied to the checking account. Therefore I can not close it. After viewing the original application Terms and Conditions, that was not true. When I asked the agent where in the clause this was mentioned, she refused to answer my question. Then kept repeating it is there in the XXXX & XXXX. Then she transferred me to her supervisor who claimed the same and put me on hold. When he finally answered, he said it is a general condition that I agree to when I open any account with Capital One. I asked him where it states that, and he was not able to provide the source. 
He said he will escalate the issue to the backend. However, it is unclear if and when they will be able to close my account.
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB recent administrative proceedings. ( XXXX XXXX. XXXX ) 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. These are the account that I have reported inaccurate : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

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

Well, on my XXXX, I received a pop-up from XXXX XXXX XXXX I do not have a XXXX lifelong account how ever it said that I needed to speak with somebody on the online chat option. Which I did. I was speaking with a gentleman by the name of XXXX XXXX. He said that I was being charged {$290.00} for a service. That in order to cancel that service and have it refund it I needed to put in my account information in order to initial eight the refund. Well I'm putting my account information on their side. They changed it from $ XXXX {$29000.00}. They end up being able to with drawl {$19000.00} from my account while I was on the phone with them. I immediately reach out to my bank, Suncoast schools federal credit union. They advised me that I had to file a claim with them. I reached out to the sheriffs office in order to file a report. They told me that I could not file a report with them because of where I live. My bank still has not refunded my money. I do have copies of all of the documentation. I have since transferred any remaining balance from that account to a new bank. I was on the phone with the bank for 6 hours. I am now filing a complaint with the XXXX Police Department as I am in the incorporated part of XXXX when this happened. I spoke with XXXX XXXX at Suncoast Schools Credit Union at XXXX x XXXX while in person at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Have subsequently called to speak to the bank manager at the same location. Can't seem to get resolution with Suncoast Schools FCU or XXXX XXXX XXXX who was the name of the business.
Product: Vehicle loan or lease

I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed, by US Postal Certified Mail, Experian a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. Experian did remove/delete all except a XXXX XXXX account. I then mailed XXXX, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both Experian and XXXX have still not removed this fraudulent account from my credit report. XXXX mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. XXXX also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my Experian credit report.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Product: Consumer Loan

I turned over my lease three months in a impeccable condition on XXXX, XXXX 2016. I got acknoledgement from dealer with odometer statement. I always paid my lease payment on time without even a single day being late for last three years. I returned car to dealer and leased another similar vehicle. The lease was with US Bank and made a call to them and understood the lease remaining four months {$850.00} to be paid. I paid to the dealer and dealer sent payment of {$1000.00} to the bank. Bank sent me a letter on XXXX/XXXX/2016 about additional money. The car was very clean and less mileage than contracted and kept the car with them for a month since I turned it over. They are still demanding additional {$200.00} to be paid. There was late payment of {$25.00} as additional where as I never missed a single payment even by one day. Its the bank that took almost two months to send me the ivoice after I turned the lease in with dealer on XXXX, XXXX 2016. This kind of untrusted and greed behaviour causing me lot of anxiety. We need some protection to make sure lease turning in should be as per process and within stipulated time. Not to wait after a month and half and sending additional extraction of money.
Product: Credit reporting or other personal consumer reports

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Product: Debt collection

This company is calling, refusing to identify themselves, keeps calling despite direct warning this number on the national do not call list, yet they continue. The funny part... then are inquiring for someone else, a friend from college, whom has NEVER ever, not once, used my phone nor would report my phone number as his own. So this creepy debt collector, whom ONLY identify themselves as " XXXX, calling for XX/XX/XXXX XX/XX/XXXXon a personal business matter '', is resorting to calling FRIENDS/associates of the person they're trying to collect a debt. They didn't say so but that is the only slimy reason they would hide their info and be non stop persistent. They call at least twice a week going on 9 mos to a year, different numbers, same caller ID " PortfolioRecovery ''