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

Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.
Product: Debt collection

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

2018 XX/XX/XXXX, I found out that {$25.00} has been debited from my chase premier plus checking account as service fee. I called customer service at XXXX XXXX eastern time on XX/XX/XXXX. The customer care representative informed me that the fee was levied because my combined account balance ( savings + checking ) during the XXXX statement cycle went below {$15000.00}. Nonetheless, she returned the fee as a courtesy to me. 

I checked my statement and found that my balance never went below {$15000.00} according to the statement. In contrast to the numeric evidence there was a line on the statement and I quote - " Your average qualifying deposit and investment balance was {$14000.00} ''. At this point I was not sure if I was reading the statement wrong. So, I called chase again at XXXX XXXX  eastern time. I was informed that I was not reading it wrong. 

I informed them that I would like to complain. They could not give me an email id and gave me a physical mailing address in XXXX Texas. 

I want to know if I am making a mistake in reading the account balance or understanding of qualifying deposits balance. If there is no mistake on my part, I would like to know an explanation of what caused such a huge error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX Balance : {$130.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX ; XXXX XXXX XX/XX/2021.
Product: Mortgage

I have arranged for a post COVID refinancing agreement with Arvest Mortgage. They mis applied a payment ( marked it as I double paid one month instead of paying my next months payment earlier ). For the last 39 days their contact center is regularly unavailable. It will okay a recording telling you they are closed and to call back during regular business hours. However... .these messages occur at XXXX am, not XXXX pm CT as they mention. I have called 9 times today as I still don't have the paperwork to go secure my new agreement ( despite that I have made my first XXXX payments during the trial period as agreed upon ... .before they would send me my final agreement to sign ). I can't get a hold of anyone at Arvest Central Mortgage. The system does one of three things XXXX ) tells me it is afterhours when it is. It, XXXX ) hangs up on me while I am waiting, XXXX ) sends me to an empty voice mail box that tells me the box is full and I can't leave a message. This applies to ALL options from the general customer service numbers AS WELL AS when I. All the direct extension I've been told to contact ( on XX/XX/XXXX I called and complained about the same challenges ... .they told me I was supposed to request Ext XXXX ). I have never been connected when I dial that extension. In fact I always am hung up on when I dial it I FEAR THEY DONT WANT ME TO SUCCEED with my new post COVID agreement. I FEAR THEY ARE DELIBERATELY avoiding me to prevent me from securing the final terms of my agreement and they they want the high value of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a lot of information on my credit thats not mines .XXXX  XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent
Product: Debt collection

I was a cosigner for my daughter apartment. The apt manager ( XXXX ) replace the carpet after my daughter move out, because of pet damage. the dept was sent to collection and placed on my credit report without ever contacting me for payment. They never gave me a chance to clear this dept before attacking my credit. I offered to pay this dept if the collection company ( Rent Recovery Solution ) would remove the negative comment that they placed on my credit report. Which they refused to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the following inquiries due to the EQUIFAX and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. 

**Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/2019 **Creditor : EQUIFAX MORTGAGE SOL Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX Inquiry Date : XX/XX/2019 I really thank you for taking the time out of your busy day to solve this DATA BREACH.
Product: Debt collection

On XX/XX/22 at XXXX a email was sent to my mother in regards to a debt they are collecting from Unifin , Inc. it gave my personal information, amount owed of {$160.00}, and that they were a debt collector trying to collect a debt. I am not a minor and so my parents should not have been contacted in regards to this, let alone all the information to me on this.
Product: Debt collection

This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.
Product: Mortgage

In receipt of the last reported correspondence from Wells Fargo Home Mortgage and my calling today and speaking directly with XXXX XXXX / XXXX XXXX. The goal today was to inform Wells Fargo Home Mortgage of a deposit of {$300.00} to be applied with unapplied funds that sat in my mortgage account since my last deposits of {$1100.00}, {$490.00}, {$820.00} on XX/XX/XXXX. It is said that unapplied funds of {$540.00} also sat in my account since XX/XX/XXXX and has not been applied to my mortgage account. When speaking to XXXX XXXX she made mention that she would forward my correspondence to my point of contact, whom I requested not contact me by phone and also to assign a new point of contact directly by email to CFPB and the President and CEO of Wells Fargo. All correspondence will now take place via email, due to the unprofessionalism, combative, passive aggressive and lack of knowledge displayed by XXXX XXXX. As of today, I have received correspondence stating that the requests I made in previous correspondence be answered by XX/XX/XXXX. As we embark into a new year, my goal is to resolve any and all confusion caused by the lack of concern by untrained representatives. I again request knowledgeable, professional representatives whom will respect my wishes and concerns.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The credit bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX in XXXX of 2023 to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take XXXX business days for them to process the request to determine IF I was eligible for assistance. Consequently XXXX reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take XXXX business days to approve when clients need assistance right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several disputes to Experian, XXXX, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented
Product: Credit card

Applied for credit card cards with high approval rates according to credit karma but was still denied and was against my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free Equifax Annual Credit Report online. '' -- Equifax " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX
Product: Mortgage

In XX/XX/2017, I purchased my current home through Bay Equity home loans. I was assured at the time of purchase, that all taxes and Melo Roos were impounded. After a year of having the loan, I received a letter from my current mortgage company stating a shortage in escrow. I went over my loan documents and found out that my Melo Roos were never impounded, as stated. I then contacted Bay Equity home loans. They acknowledged the mistake and offered to fix the escrow shortage ... Which they did. Then I was promised they would refinance my loan free of charge to correct the mistake that was made on their behalf because they didnt want a bad loan on their company. After providing all the necessary information that was requested, I was informed that they couldnt do the loan because of my debit to income ratio. I was assured that this problem would be fixed and they said it was nothing they could do. The only thing that I want was the original loan agreement that my contract states. I feel that its unfair to me that they left out the Melo Roos, so I would qualify for the loan with out my knowledge. If possible can you please provide information on who should I contact to resolve this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

In compliance with FCRA 605B, you need to delete any incorrect accounts from my credit report. Could you examine the documents? Some accounts are reported inaccurately with wrong amounts and dates.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX are not allowing me to use my card despite my payment in FULL that posted to my bank on XX/XX/XXXX and an email from Synchrony stating that it is has posted and it also shows paid in full in Synchrony as of XX/XX/XXXX. It is now XX/XX/XXXX and it has shown paid in full since XX/XX/XXXX, yet I am STILL not able to use the card. There is no appropriate support for this issue at ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX
Product: Checking or savings account

On Friday XXXX I deposited money into my account and tried to withdraw money but I was told that I wasnt allowed to do that. I also tried to XXXX  my husband money and it said my transaction was canceled. I called chase bank and they said my account was on hold and no one could tell me why or how long it was going to be on hold for. I recently deposited a check that I thought was good on XXXX because I was selling some of my furniture and the person I was selling to sent me a check. Clearly that person is terrible and they put me in a bad spot. I got a notification a few days later saying the checked was flagged as a forgery and that the money was returned. But no one told me that my account was on hold. If I had known my account was on hold, I wouldnt have deposited a check into my account, knowing I cant access it. No one can tell me how long this will take and I am frustrated because I have bills to pay and I need access to my money now! The check was bad, okay return it but there was no need to put a hold on my account because the money that is in the account, is mine and I need access to it asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile, I noticed there is an inaccurate listing. The account XXXX  XXXX XXXX Balance {$590.00} is a very error in reporting.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law The account, therefore, needs to be investigated immediately to publish my correct credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to this company on numerous occasions providing all their requested information to access my Consumer Report but they fail to deliver each time only responding to my request asking for the same information that was already previously provided. 

It feels as though they are intentionally making it difficult for me to access my information.