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

O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This dont belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

as a over the XXXX XXXX XXXX I have my personal information stolen from individuals that i let live in my home
Product: Debt collection

On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.
Product: Credit reporting, credit repair services, 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. 



XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 it
em 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: Money transfer, virtual currency, or money service

Overdrafts and sending and receiving money via XX/XX/XXXXand exposing information
Product: Mortgage

This complaint is on PHH Mortgage, XXXX. XXXX  XXXX XXXX, OH XXXX, XXXX My husband and I bought our home with XXXX XXXX in XX/XX/XXXX of XXXX. 
The initial flood map was looked at by XXXX XXXX and deemed in the flood zone, after our loan officer and our realtor pushed back on the first determination, we were then granted a Standard Flood Hazard Determination Form ( SFHDF ) from the Department of Homeland Security Federal Emergency Management Agency that stated our home was not in a special flood hazard area. It was dated XX/XX/XXXX and was prepared by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
We did not purchase flood insurance and we did not have to obtain flood insurance per the terms of our loan that we closed with XXXX XXXX 
Our mortgage was then sold to PHH Mortgage. In XXXX and XXXX we received letters from PHH that stated we needed to provide flood insurance, or that is was required on our property. If we did not provide proof of flood insurance, PHH would obtain coverage on our behalf and add it to the terms of our loan, without our consent or signatures. 
We emailed a copy of the SFHDF to PHH, we sent a copy of the SFHDF via USPS mail as well as uploaded a copy of the SFHDF to their website. None of these copies were acknowledged or replied to by PHH. Mind you, they also have this documentation with our mortgage documents when they purchased our loan from XXXX XXXX. 
At this point, we have exhausted talking to or emailing PHH Insurance Department and we are completely flabbergasted that while we were not required to have flood insurance on our home in order to purchase and sign the mortgage with out possessing flood insurance, and we have a SFHDF that has been officially determined that we are not in the flood zone, then loan was then sold to PHH for servicing and they took it upon themselves to rewrite the terms of our loan.

From our research they are in violation of the Mortgage Regulation H because they are not accepting the previous flood determination from our original loan closed by XXXX XXXX, and they are also breaking the servicing laws by illegally changing the terms of our original loan.
Product: Credit card

I was called by a debt collector, the name of which I do not recall, but they made it very clear they were calling " on behalf of Discover Card. '' The call began cordial, and after I informed the woman that I did not have the money to pay at this time and asked to be contacted again in XXXX, she asked for the best way to contact me. I gave her my personal email address and permission to contact me. She then asked me to hold for another person to come on the line to verify the information I had provided. 

The other person did not verify anything, rather he persisted in attempting to extort money out of me with questions such as " how are you paying for things if you do n't have any money? '' " How are you paying for housing, a car, your cell phone? '' I explained that I was living in a relative 's condo, driving a relatives car, and using a free phone. He then even went so far as to say, after I had explained again I had no extra money, " why are you not acting in good faith? '' They are hardly financial advisors, so I do n't think they are qualified, especially based on their general tactics, to offer me any financial advice, so the questions were nothing more than an attempt to bully and intimidate. Furthermore, accusing me of not acting in good faith, in nothing short of a condescending tone, is most certainly a bullying tactic. Of course I wish I could pay off all of my debts and move on with my life, but I ca n't. The last thing I need in my life is some person being a XXXX and making me feel about as big as a Pomeranian on a foot stool. That 's not going to inspire me to give them anything, and it also borders on illegal behavior, irresponsible and inappropriate at the least. 

I would have let this go, were it not for one final thing. They informed me they would be reporting back to Discover what I said and ended the call, or so they thought. The line, however, was still going. As I listened I heard them talking about me. They have access to my personal information, and I could hear them joking about me. The manager, or whoever he was, who got on the phone second, had the manners of a pitbull, but I would expect him to have some professionalism and not joke about me after the call was supposed to have ended. Now, I 'm left with the thought that if they 're talking about me after the call, how do I know these individuals with access to my personal information are n't leaving the office and continuing the conversation? I attempted to email Discover directly, but there was no direct contact. Perhaps Discover will be appalled that the company they hired is acting in such an unprofessional way, or perhaps this is what they teach them. I can honestly only think it 's what they teach them, or they have terrible quality control. As I said earlier, I would love to be able to repay my debts, but being treated like this is going to move Discover to the back of the line, and also encourage me to tell anyone who will listen what their standard of professionalism apparently is.
Product: Credit card or prepaid card

-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I was under a contract with Conn 's - Account # XXXX and made my last payment of {$55.00} on XX/XX/2019. My payment wasn't due until XX/XX/2019 but I paid it off early. On the payment page where I selected to pay the current balance of {$55.00} the website said " Great! your selected option indicicateds you are choosing to pay off your account. '' my account was at a {$0.00} and it said I had a balance of {$2.00} with a late payment due of {$40.00}! I called Conns they said they would have someone to close the account out. It usually takes 72 hours. The 72 hours passed and I called back on XX/XX/19 and nothing had been done to the account. Conns said they would have to create another ticket and it should take 72 hours to complete. The account had not been closed and the current pbalance has gone up to {$11.00} plus a {$48.00} late fee which makes no sense. I have paid Conns 's on time and never been late on a payment for three years. Can someone please help me get this resolved? I don't want it to hit my credit when the final payment of {$55.00} was made a week before the scheduled due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED
Product: Checking or savings account

I mailed a physical check through XXXX for my mortgage payment ( XXXX XXXX ) and it was stolen. The amount on the check was changed from {$1700.00} to {$4700.00} and the pay to name was altered to a different name ( XXXX XXXX ). 

After filing a police report ( # XXXX ) and a mail fraud report to XXXX, I also reported this to the Chase fraud department and went in to my local branch in person. I was told that I will not receive my money back until an investigation is complete and they receive the money back which could take XXXX or more days. This check was obviously fraudulent yet it was cashed anyways. Tellers at banks should receive training around how to identify fraud and not allow checks to be cashed. This is not my fault as the bank that cashed this check should have reported it at fraud. This is not fair that I have to wait XXXX days to receive my funds back when this was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had made payments on the XXXX mortgage for over 10 years with out a late or missed payment. PNC Bank asked that I pay in full and when I requested a hardship modification in XX/XX/XXXX they sent it to me on XX/XX/2015. When I contacted PNC Bank they indicated I had 30 days to complete it and that my representative was XXXX @ XXXX. XXXX. When I reviewed the documentation is does n't have XXXX 's name or due date. When I contacted PNC again they indicated I had until XX/XX/XXXX. I contacted them again and was told it had to be received by XX/XX/XXXX but should be postmarked by XX/XX/XXXX. No where is this stated. This is the 2nd time PNC has sent me Hardship Documentation with no due dates specified, the 1st time they denied me saying they received it too late. It was too late by a day. This is systemic behavior of 'moving goalposts ' to an avoid a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Product: Credit card

XXXX In XXXX I began an audit of my Amazon/Visa card and found a fraudulent charge on XXXX XXXX XXXX for {$540.00} charged at a local XXXX. I immediately contacted Chase Support and advised them of the charge, they said they would have their fraud department begin an investigation. 
I received a call in XXXX and a follow up note dated XX/XX/XXXX which advised me my claim was refused. I followed up with a call on XX/XX/XXXX to their Fraud Support Department. The individual I spoke to agreed it was a fraudulent charge but because I hadnt advised them that the card was lost or stolen my claim was turned down..
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 NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I sent Experian a Notice of Dispute on XX/XX/2023. They signed for the letter on XX/XX/2023. They never responded to my letter, I received no reinvestigation results.
Product: Credit reporting or other personal consumer reports

I am submitting this statement as a victim of identity theft from the breach. Under 15 USC 1681c -2 ( a ) I request the immediate removal of all fraudulent items from my credit report. These unauthorized acccounts and transactions were not made by me. Please take prompt action to block and delete these fraudulent items as required by law.
Product: Checking or savings account

Opened an account at First Financial Bank on XX/XX/XXXX. They had or still have a new account bonus for {$200.00}. You get the bonus if you complete the requirements, which is 3 debit card transactions after opening account within a certain amount of time. I completed the requirements by XX/XX/XXXX. Waited 2 weeks and called since I haven't gotten my bonus yet. The rep told me I have to be within a XXXX distance of a branch in order to get the bonus. They were not willing to make an exception. Nowhere on website or during the application is this mention. They only allow people who reside in IL, IN, KY and OH to open in account with them. Anybody else they deny. My issue is they allowed me to open an account ( I live in IL ), let me put my money into it and use it but don't want to give me the bonus. I am not that further than XXXX requirement, closest branch is about XXXX miles away. They put an odd requirement in order to not have to pay people the bonus. I would be more understanding if I was really far away, but I am not. I was going to use this account on regular basis, but I will no longer do that due to this negative experience. I will be closing this account as soon as I am able to.
Product: Credit reporting or other personal consumer reports

Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 No actions have been taken By the company. Compant which is XXXX Keeps hanging up. i have recorded call of them hangimg up on purpose.
Product: Credit card or prepaid card

Fraudulently opened but no one used the card Still the financial company charged {$290.00}
Product: Mortgage

I received a hecm for verse morgag then i find out that my loan had been given over to XXXX XXXX and they are charging me XXXX a moth to stay in my home this is interest monthly, There is no doubt that this is a sink quick scam1 what if I live to be a health XXXX women at XXXX a month plus my taxes plus care plus medical premiums and insurance how am i going to get through this, I cant and i am sinking right now. i need help with this, they said i can take equity out of my house because my credit score went down do to having to pay home care.
Product: Debt collection

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize Liberty XXXX to allow inquiry
Product: Debt collection

I sent a letter to SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/year> and they had 30 days by law pursuant to 15 USC 1692g and as of XX/XX/year> they have failed to respond. I requested the following information below in my letter. I also advised them in my letter that, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I am demanding due to no response in a timley matter by law that this item be deleted from my XXXX report immediately were it is reporting. 

XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please show proof an attorney from your company has reviewed the alleged debt in question that it belongs to me and the amount in question is correct.