23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

State Farm Bank has decided on XXXX XXXX to block access to my data accessed through the bank 's website. I manage all of my finances using XXXX by XXXX. See below for the email. I spoke with XXXX XXXX XXXX, at State Farm Bank on Saturday, XXXX XXXX. He said that this was a bank-wide policy, and there were unable to reverse their decision to restore access. He informed met that this policy change is being done to protect my information. The use of my information and the trust that I place in XXXX in my business. The blocking of my access to my information I have been harmed. I will be closing these accounts if this access can not be restored. 

Here is the text from the email provided : You are receiving this email because you have been identified as a State Farm ( R ) customer who has a relationship with XXXX ( Finicity ) and XXXX XXXX XXXX XXXX ( XXXX ) provider ( s ) .1 State Farm works hard to stay up to date on the latest ways to keep your personal information secure. With that in mind, we 've decided to discontinue your XXXX provider 's access to your online account information as of XXXX XXXX, 2016. This means you will no longer be able to include any State Farm products within your XXXX provider 's website view.2 We apologize for any inconvenience this may cause in managing your financial accounts, but we believe it is the best way to ensure the details of your account with us are safe. Learn more about how State Farm keeps your personal information secure by visiting our privacy and security page. 


You will still be able to access your State Farm policies and accounts anytime by logging in online using the button below. You may also access your account information on the go with our Pocket Agent ( R ) app, which is available for Android and iOS devices.
Product: Credit card

Dispute was filed on XX/XX/year> Charge off account is still being reported after no proof of documentation to redeem debt/ pay off debt, or agree to pay to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.
Product: Debt collection

On XX/XX/year>2019 a furniture store ( XXXX XXXX XXXX ) opened up an account under my name using my Name, Date of Birth, Social Security for someone to obtain furniture. The account was successfully opened using the address XXXX XXXX XXXX XXXX, NC and my old address was XXXX XXXX XXXX XXXX, NC and the person never paid on the furniture causing it to go on my credit as an unpaid debt. The account then was SOLD to a collection agency ( XXXX XXXX XXXX XXXX XXXX ). Ive contacted them to see evidence and they have emailed me a copy of the furniture lease and it has a fraudulent information and a fraudulent signature attached. Ive also done a FTC report and a police report I sent it to the credit bureaus and the creditor they have not removed it from my credit report. 
This account has been on my credit report since 2019 and is effecting my credit score in a negative way. I need help with this account my identification was involved in a data breach and I'm a victim of identity theft.
Product: Bank account or service

I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Product: Credit reporting or other personal consumer reports

on XXXX I requested my free annual hard copy of full file disclosure from LexisNexis. As of XXXX and not receiving my requested free hard copy of full file disclosure, I called LexisNexis and they stated they mailed the information on XXXX to my correct mailing address. I was told they would send to me another copy in the mail. On XXXX having not received my free annual hard copy of full file disclosure from LexisNexis I was told they would send me a copy. I verified the mailing address they were using to send to me the requested information. I was told the report consists of XXXX pages and I am suspicious that they are not processing my request. I would like some assistance in getting my free annual hard copy of full file disclosure as my original request was made on XXXX.
Product: Credit reporting or other personal consumer reports

Navy Federal Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX blatantly infringe upon federal regulations, as stipulated by multiple statutes. 

Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim.

Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims.

Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as discharged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters.
Product: Money transfer, virtual currency, or money service

I am a seller on the Mercari phone app and want to reach out with regards to an issue. I received an email with no prior warning or message from Mercari that my account has been closed and funds frozen as I was selling " non-authentic items ''. Firstly, I will agree to the fact that I was unaware that using stock photos was unacceptable. But Mercari should have reached out to me. I have been a well respected seller since 2015 with tons of ( 75+ ) 5 star reviews. I am quite disappointed that my account would just be closed. I have receipts and valid serial numbers for all items I sold. There are a lot of scammers and competitors who try to harm others, and therefore I did not list any of the serial numbers. I received 5 pieces of the same item so thought I could use the picture ( my own picture ) I took multiple times. If this was an issue, Mercari could have reached out and I could have fixed the issue. Rather than taking the decision of just closing my account. I am requesting for the company to re-evaluate my case, release my frozen funds and get back to me and I will be more than happy to provide all valid receipts and valid serial numbers.

This is theft as I have read hundreds of other sellers who experience the same issue. Mercari is stealing innocent seller 's money and profiting off us on the application. 

Date of account closure : Thursday XX/XX/XXXX. 
Seller on Mercari app since : 2015 Number of 5 star reviews : 75+ Email on account : XXXX Name of store : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score was XXXX On XX/XX/XXXX, I was trying to obtain a mortgage and was advised my credit report for equifax showed frozen. I called Equifax they stated my credit file was not frozen. I advised the lender and they obtained the same result. On XX/XX/XXXX, attempted to pull again with the same result. I contacted equifax again and was told they did not have a freeze and there is nothing they can do about this. I was unable to move forward with a mortgage. 

On XX/XX/XXXX, my score finally showed up again as XXXX On XX/XX/XXXX, I went to XXXX XXXX motors to obtain a car loan and they was unable to pull my credit. I called Equifax and was told my file was not frozen. I continued to get denied due to the report stating frozen by the consumer. After 3 hours and multiple calls to equifax I was then told by an equifax rep the name XXXX is shown as my middle name which was never my middle name. XXXX was my last name prior to getting married XX/XX/XXXX. I asked equifax why was that done and they had no explanation. I then advised the dealership and they included the name and my credit file was able to be pulled. Equifax advised me to send proof of identity with the correct name. I sent this information via certified mail. I also sent it by fax and was old it was not clear. I resent the information to equifax and the representative stated that it was able to be read and will be processed. 

When I begin to be frustrated about this my score decreased by XXXX points with no change to my credit file putting me at a XXXX. 

On XX/XX/XXXX, my score dropped XXXX points for paying down a credit card On XX/XX/XXXX, my score dropped 4 points for an inquiry when I was out the country and did not give any permission to have my credit pulled On XX/XX/XXXX, my score dropped another XXXX points with no change giving a score of XXXX It appears that I am being discriminated against by equifax. When I want to obtain credit my file can not be pulled as they continue to use XXXX as my middle name after being proven several times that is not my name however, they continue to decrease my credit score causing me a total of XXXX lost and placing me in another credit category. I have no delinquencies and my score is showing as if I did not pay my bills and Equifax has ignored the issue but rather punish me for being frustrated.
Product: Credit card or prepaid card

My XXXX year old son received a physical prepaid card with his name on it unsolicited through a third party from NetSpend. The card could have been stolen through the mail and activated by someone else. Why would a company be able to provide a debit card to someone without them requesting it. The telephone system is very shady and difficult to get to speak with a live agent, who then tells you that they don't have any information supposedly ...
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report per 15 USC 16c-2. They are incorrect. Please remove all hard inquiries not authorized by me.
Product: Mortgage

I am XXXX XXXX military stationed in the state of Louisiana. LA XXXX limits financial institutions to impose a max interest rate of XXXX  % for debts the service member has. Additionally, other lenders will limit the interest rate to XXXX  %. My lender will not lower the rate on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the accounts removed now! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a debt with XXXX  that dates back to over 10 years ago. I already had disputed that debt thru XXXX XXXX and had the debt removed from my credit report once before. That debt was sold to Jefferson capital systems and they reported it as a new debt in XXXX. I contacted them and they sold it to XXXX. I talked to XXXX  and they were able to see it was an original debt to XXXX  from over a decade ago and they were not reporting it to the credit reporting agencies and they couldnt help me with something Jefferson capital systems did with it when they owned my debt. I disputed the debt 2 times with XXXX where it came back as a valid debt. I have another dispute in progress and called XXXX today to inform them of everything and they refuse to help me or do the proper investigation to determine that this debt should not be on my report and delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my Transunion credit report
Product: Credit reporting or other personal consumer reports

The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.
Product: Credit reporting or other personal consumer reports

I HAVE KNOW KNOWLEDGE OF THESE UNAUTHORIZED INQUIRIES, PLEASE REMOVE IMMEDIATELY. 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 received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a Clear Violation Of The Law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. EXPERIAN IS PARROTING INFORMATION WITHOUT ACTULLY DOING AN INVESTGATION. This serves as my last and final attempt to seek justice and have the inaccurate information Promptly Removed from my credit report. Thank you for your prompt attention. I trust that the XXXX  will impartially address this serious issue TO Remove This Account, this is inaccurate information reporting. I DEMAND EXPERIAN TO REMOVE/DELETE THIS ACCOUT FOR CONTINUOUSLY REPORTING INACCURATE INFORMATION. This company has been violating my consumer rights. Below are attached documents of just a few of the ongoing mistakes this company has made and continues to make. I DEMAND THIS ACCOUNT BE DELETED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I do have a XXXX  XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XX/XX/XXXX at XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX  to XXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX XXXX Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his XXXX and say that he will transfer to Credit Resolution Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX Team Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. Further XXXX XXXX, XXXX told me that she is highest rank XXXX to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. After suggestion from XXXX XXXX, Manager of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX pm to XXXX PM and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just Transunion credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. What is my credit XXXX on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on XXXX XXXX.
Product: Debt collection

Fix the mistake on my credit report for XXXX XXXX  within 10 days, or I'll file a complaint with the FTC. Respond within 15 days as required by law, or you may face fines up to {$1000.00}. Don't make me escalate this comply with my request to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report
Product: Debt collection

PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT ACCOUNTS ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.
Product: Credit reporting or other personal consumer reports

Vehicle was purchased then totaled due to a XXXX XXXX months later, XXXX coverage was added at time of purchase. The dealership was responsible for sending the XXXX payment to XXXX and did not. I followed up many times with the dealership. The last time I followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the XXXX refund check in a timely manner ( it took XXXX  months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been severely damaged because of this.
Product: Mortgage

This is in reference to complain No. XXXX. They continue lying about this issue. They want to talk about something is been talked for over 15 times. The only thing that are doing is gaining time and keep sending letters about dead lines I have to meet, when I requested communication on writing the denied it, they only thing write what is on their convenience, the rest is meaningless. I was a XXXX employee, now work for XXXX XXXX XXXX, and this time my hopes are in the Government since you are the only ones who have the power to stop to this madness. My only possession is this house I been paid for over 14 years and they want it either way.