23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have two products with State Farm : 1 ) Checking account 2 ) Auto Insurance To access either it was one portal statefarm.com as in common with many financial companies to login to to view or handle transaction in my checking Or view insurance policy information or update the payment 'from ' account on the monthly payment plan for auto insurance every XXXX of the month.

I did go into the payment plan for auto insurance from time to time to update the payment account to be debited past few months from XX/XX/2018 to XX/XX/2018. Twice the payment bounced ; however I did pay immediately a few days later via the site with the pay now option with another credit card or account. 

Suddenly one day when attempting to login to access my checking account information/statements ( which are setup to be notified of electronically as well ) I had an account suspended notice and could not login. 

Called State Farm customer service immediately and got transferred to tech support, they were thinking it was a technical problem, but they could not resolve it, after two weeks, finally a technician stated, it's not the account getting locked out, it's the State Farm insurance end product and payments not going through a few times that has made the website inaccessible is what he said it stated in the notes. That's all the tech knew. 

Called State Farm customer service again. And relayed that information I was told. Finally the customer service rep stated, yes, that until I go by six months of not bounced payments for the State Farm insurance product then I will regain online access back to the statefarm.com site to be able to access checking account. No clear explanation when I queried as to what rules or in what policy does it state that one product has to do with another? Or could they just lock me out of the insurance product but allow me access to only the checking account for now? The response was no, and that I would need to wait. I requested I have paper statements sent, and the rep stated it could not be done because my settings/preferences on the site are setup as electronic notification when statements are available. 

This has me having to call in every few days to monitor account for all transactions in and out or using the atm for latest account balance. I feel this seems to be a right I have to be able to access my account when/if needed irregardless of the other product. 

Additionally I attempted the supposed automated phone feature that utilizes voice print and fail to connect properly any time. Thus, I end up on hold anywhere from 15-25 minutes on average to get a rep to ask what my current balance and recent transactions are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Eqifax have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Court docket # XXXX case # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello a collection account has been added to my credit report that is unknown to me SEE ATTACHMENT. I disputed this account with all three credit bureau 's that came back as verified. Which is impossible being that this account is unknown to me. Please send me any documents that you may have for my records of a signed agreement for this account.
Product: Mortgage

FOR THE MONTH OF XXXX I RECEIVED A BILL THAT MY LOAN PAYMENT WAS {$1.00} ON XXXX I PAID THAT CONFIRMATION # XXXX. CALLED IN XX/XX/XXXX TO MAKE PAYMENT WAS TOLD THAT MY MORTGAGE WAS TRANSFERED TO VILLIAGE CAPITAL AND THE MORTGAGE AMOUNT IS NOW # XXXX WHICH IS {$100.00} MORE THAN WHAT I WAS PAYING. I HAVE NOT RECEIVED ANY UPDATES TO THIS AMOUNT OR ANY NOTICE IT WAS INCREASING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX  lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of a debt collection effort initiated by XXXX XXXX and reported by XXXX on my credit report. I request your assistance in verifying the legitimacy of XXXX XXXX  claim to collect on the alleged debt. I believe that XXXX XXXX has violated several laws and regulations in their collection activities, as outlined below : 1 Lack of Contractual Agreement : I request to see a contractual agreement that gives XXXX XXXX  the right to collect on the alleged debt in question. As the alleged debtor, I have the right to verify the existence and validity of any contractual agreement that forms the basis of XXXX XXXX collection efforts. 

2.Violation of Gramm-Leach-Bliley Act ( GLBA ) : XXXX XXXX has potentially violated the Gramm-Leach-Bliley Act by sharing my non-public personal financial information with a non-affiliated third party without my consent. This act safeguards consumers ' privacy by regulating the disclosure of personal financial information by financial institutions. 

3.Violation of New Jersey Consumer Financing Licensing Act ( NJCFLA ) : Violation 1 : The NJCFLA requires businesses engaged in consumer lending to obtain consumer lending licenses in order to operate legally in the consumer loan business. XXXX XXXX  collection activities may fall under the definition of engaging in consumer lending, thus requiring them to obtain the necessary licenses. 

Violation 2 : According to the NJCFLA, businesses involved in buying, discounting, or endorsing notes, or furnishing or procuring guarantee or security for compensation in amounts of {$50000.00} or less are considered to be engaging in the consumer loan business. XXXX XXXX debt collection practices may meet this criteria, necessitating compliance with the NJCFLA. 

Violation 3 : While New Jersey 's requirements for collection agencies include bonding and registration processes, XXXX XXXX must adhere to these regulations to operate legally in the state. Failure to comply with these requirements constitutes a violation of state law. 
I REQUEST a thorough investigation into XXXX XXXX debt collection practices and ensure that any reported information regarding this debt is accurate and legally compliant. Additionally, I ask that XXXX provide me with any documentation or evidence that supports XXXX XXXX claim to collect on the alleged debt. 

Please provide a written response to this dispute within 30 days of receiving this letter, detailing the findings of your investigation and any actions taken to address these concerns. Failure to respond within this timeframe may necessitate further action on my part to protect my consumer rights under applicable laws and regulations.
Product: Debt collection

I did not know I owed this debt. I had called Portfolio XXXX XX/XX/XXXX when I notice a garnishment being taken out of my check, 22 % of my check. The garnishment total is {$840.00}. I told them I want to dispute this claim due to it was in XXXX and I was unaware of this debt. When I called them they had my address of when I used to live with my now ex husband, 16 years ago. The lady I talked to was rude and said I should have checked my credit report! I had to call my work HR to get copy of the court judgment cause I didnt know what was going on. Upon reading the judgment date it was in XX/XX/XXXX. And then was date and signed again on XX/XX/XXXX. I have never received any dept letters for this claim from Portfolio XXXX. The lady I talked to from Portfolio XXXX said she had no info of who made payments and that the last payment was in store for this credit card in XXXX before they received this collection. 
It has been XXXX weeks from XX/XX/XXXX that I had asked Portfolio XXXX to send me a dispute claim form so I can fill out and I have not received any paperwork as of today XX/XX/XXXX. 
Please help.this is not my debt Im making a claim because the first time Portfolio XXXX did this to me last year on a debt that was XXXX XXXX XXXX and I had asked to dispute it and never received any paperwork at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX  and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/year> requesting that a late payment that they sent to the credit reporting agencies be removed. I attached proof that this payment was made on time. I have not gotten a response back from XXXX XXXX  about this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX After XXXX years of having a credit score of XXXX or below, due to erroneous reporting, I am seeking compensation due to violations on my credit file. Equifax have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts that were being reported accurately after the countless times of me asking, the bureaus responses were, that the items were verified. I was affected financially, due to the failure of Equifax as you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, as you finally removed, most of the items from my credit file because of my complaint submitted to CFPB on XX/XX/XXXX. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I have disputed items for at least the last 10 years. I was not able to get certain employment, housing, cars, loans I was further a victim of the Data Breach. Since my information was compromised, I invoked my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, that you have already received via mail and through the CFPB complaint remain deleted from my credit file. 

I am making this final goodwill gesture to allow you to continue correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ), you are liable for your willful non-compliance. 
. 
I am seeking {$1000.00} per violation for that was removed from my credit file, please see attached credit report before they were removed items from my credit file. 
Also for : 1.Defamation 2Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I am also seeking {$100000.00} in punitive damages due to damages Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 You have 15 days from the date of this letter to respond. 

Please mail check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acc XXXX name/ XXXX XXXX acc XXXX name XXXX XXXX svc XXXX XXXX name XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN XXXX TO XXXX DAYS THANK YOU
Product: Checking or savings account

On or about XX/XX/XXXX, my Bank of America/Merrill Lynch Cash Management Checking account was frozen without any reason or notification. I have had this account for over 40 years. I am XXXX XXXX XXXX Veteran and XXXX XXXX XXXX and have NEVER had insufficient funds. 

There were COUNTLESS issues and AGGRAVATION that caused me COUNTLESS HOURS and FEES and Bank of America NEVER answered the phone after HOURS. 

Some examples of the issues include but are not limited to the following : XXXX - My XXXX Check direct deposit was REJECTED because my account was frozen so the funds were not available and I had to contact US Government to track my money down XXXX - Countless checks I wrote to people for services and credit card bills were bounced. As a result, I was subjected to late fees for some services and everyone I paid was charged {$20.00} dollar bounced check fees XXXX - Bank of America NEVER EMAILED me or called me and I was NEVER able to reach them. 
XXXX - My wife spent COUNTLESS HOURS on the phone as the account is joint and they claimed that the account was frozen because they mailed my wife a letter asking her to verify her information. However, they never attempted to call or email me to tell me that if my wife didn't respond that they would freeze my account. This is UNACCEPTABLE and I have NEVER HAD to verify any info EVER BEFORE by mail or any other method. My son who used to work in banking noted that it could be XXXX fraud and not to provide personal information. He has had a Bank of America account for 35 years and NEVER shared personal info by mail and NEVER had his account frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/XXXX XXXX following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX 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
Product: Credit card

For almost one here now Ive been arguing with synchrony XXXX that they open without my permission asking them to provide documentation they tell you guys that they provide a documentation. They did not even call or send me a letter of no documentation. They are keeping this fraudulent account open and look in the money from me. I need legal action to know to be taken against synchrony Bank.
Product: Credit card or prepaid card

I have had a long going history with Chase for years and have excellent credit and I have even paid annual fees lately for recent credit cards. I noticed today that they shut all my accounts down. They said its because I have had too many accounts opened in the past year. There has been no fraudulent activity or abuse. I am extremely upset, as i use these accounts often for travel. I recently paid XXXX annual fee for a XXXX XXXX card as well, they closed this account and will not refund the fee. Please help and have them reinstate my accounts or I will seek legal action. Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.