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

I filed a dispute with XXXX on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, XXXX   responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
Product: Credit reporting or other personal consumer reports

During the months of XXXX and XXXX, XXXX  I was shopping for a new vehicle. I contacted XXXX on their website and looked at about 6 vehicles. XXXX advertises that they will make a 'soft check ' and they will tell you if they can finance you. On XX/XX/year> I purchased a used XXXX XXXX with financing through XXXX. I found out this month that I have five ( 5 ) inquiries on my credit report from Trans Union. XXXX sells cars for many private dealers and they were provided my information by XXXX. These independent XXXX XXXX ( 3 ) were provided my credit information which they then pulled my credit report resulting in ( 4 ) unauthorized inquiries. On XX/XX/XXXX I paid off the balance of the XXXX car loan purchase in cash, Yet my XXXX XXXX XXXX by now shows all these inquiries and has been the basis of a recent denial of revolving credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account
Product: Credit card or prepaid card

Hello, on XX/XX/2023 I applied for a credit card application XXXX due to Capital One pre approval advertising and I was given good news stating I was pre approved for XXXX different cards so I decided to apply based off the good news Capital One stated and was denied. I was mislead and did some research and Capital One is already facing a class action for " Dark Patterns '' in the state of New Jersey case # XXXX. I have met all the Capital One requirements and I already have a Quicksilver card in perfect standings with a XXXX credit line and have excellent credit based off the three credit bureaus in the United States. This has affected my credit report in negative way and has caused unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.
Product: Debt collection

XXXX XXXX has been trying to say that I spent, in excess of {$800.00} to XXXX XXXX XXXX in XX/XX/XXXX. I did No such thing and I believe they are a fraudulent company that got ahold of my identity. I can't even get a small loan from my local bank. This is embarrassing and I might lose my house because of this fraudulent claim on my credit. Please contact XXXX XXXX at XXXX That is who my bank told me to call when I was denied a simple loan. Check my clothes!! I have XXXX XXXX
Product: Checking or savings account

XXXX questions : It's a shame that within XXXX month after opening account I have to write to you via CFPB. 

After opening the account, the same day I called the bank and the operator said after 2-3 days when my account gets fully verified I would be able to make transfers. Few days later I was able to make transfers. I made my first transfer, a very small amount of XXXX dollars. 

Approx a week or so later I received a letter that stated until the bank could fully verify my account I won't be permitted to acquire any securities and or make any withdrawal or transfers. 

XXXX ) Then why did the bank permitted me to make the first transfer without fully verifying my account? 

On XXXX XX/XX/2021, I was provided with misleading information over the phone regarding my account verification activity. This information came from an operator and her manager from your verification team. The manager said my account was only fully verified on XXXX XX/XX/2021. The manager said the bank allowed me to make the previous transfer without fully verifying my identity just so I can acquire securities. But the letter clearly stated I can't acquire any securities until I have my account veritified. 

XXXX ) So, ( based on what the manager told me on the phone ) is it a common practice for your bank to allow customers to trade securities without verifying an account completely? 

As a result, I am finding it unsafe to transfer in any money further in to the schwab account. As a result, I have transfered out the XXXX dollars from my schwab account. 

Let me know your answer to the above XXXX questions. If your answer would be reasonable and justified, I would continue with my XXXX accounts or else not.
Product: Credit card

BMO by letter dated XX/XX/XXXX has stated that they closed my account for no reason on XX/XX/XXXX and did not notify us until XX/XX/XXXX by letter which was dated XX/XX/XXXX. This has resulted in tarnished credit with merchants who were on auto payment. Further, I have access online but the online account says nothing about closing the account. Further, I can't redeem all of my reward points. According to the XXXX website BMO has done this to dozens and dozens of card holders without reason.
Product: Credit reporting or other personal consumer reports

Experian continues to report an account from XXXX that does not belong to me on my credit report. I have reached out to Experian letting them know I am a victim of identity theft and have not received a response. I have attempted to reach out to Experian more than once and recently have sent them certified mail with a notarized Affidavit, and FTC Report over 60 days ago. I have not received a response from Experian. Experian is being willfully non compliant and violating the FCRA. Experian has several violations against me and chooses not to be compliant with the law. Experian continues to tremendously injure my financial wellbeing as well as cause extreme emotional distress with hindering my creditworthiness. It has been over 60 days which is in violation of 15 USC code 1681n.

My FTC Report Number is XXXX
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX  branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account belonged to my ex and was closed XX/XX/2015. Should have been removed by now. I tried to dispute this but it just made my credit report worse. I need to remove this asap. I was told under the Fair credit report act I can get this removed to help my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXX/XX/XXXX -- TRANSUNION -- XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX
Product: Mortgage

Quicken Loans Violates Escrow Agreement. 

The escrow agreement includes specific provisions for payments into escrow and disbursements from escrow. Insurance was fully paid for calendar year XX/XX/XXXXduring closing in XX/XX/XXXX. A disbursement of {$1000.00} to the insurance company is scheduled to occur in XX/XX/XXXX for calendar year XX/XX/XXXXcoverage. The cost of the homeowners insurance and the cost of taxes has not changed for the property since closing in XX/XX/XXXX. In XX/XX/XXXX Quicken Loans violated the signed escrow agreement by disbursing {$720.00} to XXXX XXXX without our knowledge or approval. Quicken Loans now states that an escrow analysis indicates a projected shortage and therefore payments into escrow must increase. Insurance and taxes are the only two elements in escrow. Since these elements have not changed, there is no basis for changing the payments into escrow. We have committed to making a lump sum payment in XX/XX/XXXX if an escrow analysis at that time indicates a shortage in the escrow account. The Quicken Loans escrow management personnel refuses to work with us to resolve issues relating to their violation of the escrow agreement.
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  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  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries. 

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: Mortgage

I have been trying to work with Wells Fargo for over 4 years now on a loan modification. I finally hired the XXXX XXXX XXXX and they submitted the loan modification package on XXXX XXXX, 2015. On XXXX XXXX, 2015 they received an email from Wells Fargo asking for additional documents which were submitted to Wells Fargo by the XXXX XXXX XXXX on that same day. The XXXX XXXX XXXX has been calling Wells Fargo for the past two days trying to get information on whether my package will be placed into review for a loan modification and if the trustee sale will be placed on hold. It is currently scheduled for Tuesday, XXXX XXXX, 2015. Wells Fargo will not give them any information and keep giving them the run around. According to the trustee the sale is still active and set for XXXX XXXX, 2015 at XXXX. I do not want to lose my home. I also believe that this is a violation of the California Homeowner Bill of Rights.
Product: Mortgage

XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.
Product: Credit card or prepaid card

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX, XXXX XXXX XXXX XXXX AR filed a suit against me for a time-barred debt on XXXX. I contacted the attorneys office by mail stating they were in violation of the FDCPA regulations and to stop any further proceedings in court. They have failed to do so and are continuing the suit.
Product: Credit reporting or other personal consumer reports

These are the inaccurate accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was trying to buy a pet online, and I realize I got into a scam by the supposed breeder. I checked online and several persons reported the same issue using the same process of scamming people ( cheap pets, fast delivery and security deposit ). Their website utilize the same pictures as other 4 websites, and the " owner '' picture appears in other several websites, same for the phone number. I tried to contact PayPal to cancel the transaction because of scam but they declined my appeal. 

WebsitXXXX XXXX XXXX XXXX Websites with the same picture of the " owner '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't have a physical address, they live in " XXXX, Florida '' that doesn't exist .
Product: Credit card

The account has been closed for years and then they have been creating interest this whole time when I paid it off already.