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

There are some serious discrepancies regarding credit scoring. XXXX through XXXX Bank shows a credit score of XXXX. Experian shows a credit score of XXXX. Someone is resending a debt into the credit Bureau Experian. I hired a credit counseling group whome sent letters. I received letters with a false agreement along with a XXXX blank page of only a company signature and a copy of my signature. It was disputed yet still is on Experian. I was attempting a XXXX XXXX XXXXXXXX, hired a mortgage broker to NO avail. Experian now shows credit file froze due to XXXX XXXX.
Product: Checking or savings account

My name is XXXX XXXX, an account holder with Bank of America, domiciled at the XXXX XXXX branch. 

Sometime in XXXX, I opened an account at the said location and subsequently ran my account remotely from XXXX until XXXX when I was logged out and unable to access the funds in my account, thereby denying me access to over {$2000.00} I had in the account. I immediately contacted the Bank with a view to resolving whatever issues they had but I was confronted with not very cooperative individuals who claimed that I couldnt verify my identity and as such my account would be closed. While I dont have any issues with the account closure, my concern is the refusal of BOA to release the funds in my account which belong to me. 

About a month ago, after all efforts to access our funds failed, we reached out to a notable organization, Better business bureau ( XXXX   ) to intervene and appeal to the Bank to engage me towards reaching an amicable resolution. To my utmost surprise, on XX/XX/XXXX, i received an email from a XXXX XXXX from the XXXX resolution department of BOA who acknowledged our inquiry and promised to address my concerns. She also left her direct phone number, asking me to call for any clarification. It is also very sad to note that XXXX after I received the email she has still not answered my calls, messages and emails on the subject. 

I reached out to BBB again complaining about the treatment I was getting from this particular individual and a few minutes later, the same XXXX XXXX responds to XXXX  claiming that she was going to send a physical letter to my attorneys address to respond to my inquiry. I have attached the response from XXXX XXXX which to me seemed very ridiculous because I had asked her to copy my attorney in one of my unreplied emails to her. Instead of addressing the inquiry which she promised to, she chose to send a letter to DC to inform my attorney that he wasnt an " authorised signer. 

What I find extremely ridiculous was the time she spared to respond to a non authorised signer but has not engaged the account owner once, even after the account holder/owner had expressly requested via email that she copies his attorney on correspondences. I do not reside in the XXXX, so it made sense for me to have a physical address/ contact which would facilitate any vetting process. 

It will be pertinent to mention that I have a banking background and I shudder at the deliberate attempt by your XXXX XXXX to seize and inconvenience customers without any feedback. To further demonstrate my willingness to settle amicably, I would request an immediate replacement of the case officer on this particular account to someone more efficient to allow for a quick resolution of this impasse.
Product: Credit reporting

XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect 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 Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX  as the original creditor. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. 
This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.
Product: Credit card or prepaid card

Good afternoon CFPB, Can you help me get FREE mailed monthly transaction statements, as government regulations require? 

I have a pre-paid XXXX card via XXXX XXXX a division of Webster Bank. 

They offer online access, but to utilize that access they state if : " you otherwise fail to keep your identifying information confidential, you are responsible for any resulting transactions from your Eligible Accounts, XXXX XXXX XXXX XXXX My identifying information ( Name, Date of Birth, SSN ) is no longer confidential, as it has been leaked by many companies, including XXXX. 
And Social Security prohibits changing my number unless/until I experience serious financial loss. 

So I can't meet the requirement of keeping my identifying information confidential. And thus can't utilize online access. 

And, if I want paper mailed statements, I need to pay XXXX XXXX {$1.00} each month. 
XXXX XXXX XXXXXXXX My request ; can you ask they follow the law and provide FREE monthly statements? Note, I don't want to give up any of my other legal rights when accessing/receiving my statements.
Product: Checking or savings account

I call ed Capital One 360 as the y instructed. They have locked me out of my funds. So when I called, they refused to help me! My son h ad a Capital One 360 acco unt in the past. I live with my son and so we have the same address, phone number, etc. We also sound alike. Because of this, they say that they do n't believe who I say I am even though I answered their security questions. They claim they listened to old conversations of my son and I sound like him. Well, there are old conversations of me on file and I bet that I sound like me but they never mentioned that. They just hung up on me. I just want my $ 400+ dollars out of that account so I can be done with these  XXXX ! There 's nothing I can do about the way my voice sounds!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that I owe XXXX, I ask for a billing statement or contract with signature on it, I was told they no longer had interest in the account & has since sold to a debt buyer, as of XX/XX/2022 Equifax and XXXX XXXX  are reporting that I owe XXXX XXXX  which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FAILED TO RECTIFY ITS AFFAIRS REGARDING MY PERSONAL CONSUMER REPORT. I HAVE SENT SEVERAL FORMAL DISPUTES AS RECENT AS XX/XX/2023, XXXX XXXX & XXXX XXXX ; TO HAVE THESE ACCOUNTS REMOVED BECAUSE I HAVE NOT GIVEN PERMISSION TO TRANSUNION TO FURNISH INFORMATION ON MY BEHALF. PURSUANT TO 15 USC 1666 ( B ) ; 15 USC 1681b ; 15 USC 1681o ; 15 USC 1681n and 15 USC 6802 TRANSUNION HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND IS LIABLE FOR WILLFUL NON-COMPLIANCE AND NEGLIGENT NON COMPLIANCE. THESE ACCOUNTS HAVE NOT BEEN BLOCKED NOR REMOVED : XXXX FORMERLY XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  MY FORMER ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I requested information from ECSI regarding my loans type, terms and conditions. They are not able to resolve the issue and they pass the issue to XXXX XXXX XXXX ECSI is responsible for signing of their forms. I requested them many times to provide me with official copy of master promissory notes which includes the loans type, terms and conditions for the XXXX XXXX they applied to my account ECSI has failed to provide such documents. Therefore, their request for debt collection to the amount of XXXXXXXX XXXX is invalid as they do not have proper forms, signatures, customer service or supervisors to clarify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. 



I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers nonpublic personal information. '' XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, includinXXXX 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by XXXX however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!
Product: Vehicle loan or lease

I financed a car in XXXXXXXX XXXX XXXXXXXX I became XXXX XXXX  XXXX XXXX in XX/XX/XXXX, which turned into long XXXX and made me unable to work. I was still able to make my car payment, until XX/XX/XXXX. I fell behind due to losing my job and extra income. The finance company Capital One Auto calls me anywhere from XXXX to XXXX times a day including weekends and holidays. I've called them and told them to come get the car and explained my situation I voluntarily asked them to pick it up. Told them to give me a date and time, because the car is a XXXX XXXX and has been broken into multiple times so I can't leave it in the parking lot, and I wanted to give them the keys. They never came to get the vehicle and continue to call for payment. I don't know what more I can do. Please help me. 

The XXXX XXXX  has been stalking my home, and following my XXXX yr old daughter and her boyfriend too work several times and sitting in her work parking lot, she is scared and has considered quitting her job. My daughter has nothing to do with the loan or the car.
Product: Debt collection

I have received several phone calls from XXXX. Finally after multiple calls I answered it. To keep it short when I started asking questions regarding the debt, and inquiring who the original creditor was, I was met with refusal to give me the information. I was then threatened with legal charges that could " result '' in me being arrested. I was then transferred to a XXXX XXXX, at that point I was finished discussing as it was getting no where. I asked for information to forward my written statement requesting any further contact be through the mail, XXXX XXXX would basically not allow me to speak and ask questions I was told the following. 
1. I needed to grow up and pay my bills and that not to waste my time sending such a document as they were going to file suit immediately and that he makes more money in an hour than I do in a year so that meant he did not have to explain anything to me. 
2. When I tried to again inquire about the original creditor he gave me information but then called me a laundry list of inappropriate names such as a XXXX and a " worthless piece of trash '' I will admit at that point I said a few choice things, but when backed into a corner you tend to react. 
3. He kept hanging up on me simply because I wanted to dispute the amount being asked for as I know I do not owe that much, hence asking for the original creditors information. 
4. I called back several times and was told not to call again or he was going to file harassment charges on me. 
The last time I checked I have a right to question any debt I am said to owe, I also have the right to be treated fairly and with respect. I was not aware that a collection agency was allowed to speak to their customers in such a manner to degrade them in order to attempt to collect a debt. I would have recorded the conversation but I know the laws in Florida do not allow it without the consent of the other party and I knew they were n't going to consent to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ; I am filing a formal complaint/dispute after review of my credit report. You are reporting incomplete credit reporting on XXXX XXXX account number XXXX. The payment history is missing. This is FCRA violation, all information must be 100 % accurate and verifiable. Please remove this violation immediately and please provide me a updated credit report showing the deletion. 

Thank You, XXXX XXXX
Product: Debt collection

Original creditor writeoff my debt and sold my account to this collection agency after they were already settled. Collection is trying to recoup funds from me now that arent owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}