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

I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XXXX and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX ac # XXXX XXXX XXXX XXXX  ac # XXXX XXXX XXXX XXXX ac # XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report. 
Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX XXXX XXXX.they shut my phone off and refused to work with me. This all took place after hurricane Irma now it is in credit bureau and in collections.i offer to pay half of bill during state of emergency that we had due to hurricane but they refused. There was no work and no way to print us a check. After thing got better I was forced to get another phone from a different provider. Is this fair not working with the customers during a national disaster?? Gov put laws into place for creditors to work with us
Product: Mortgage

Ocwen / PHH Mortgage Co.. See attached complaint, facts common to all counts of the breach of contract. I entered into a contract with Ocwen Mortgage of which later acquired PHH. ( Loan No. XXXX ). After the transfer to PHH, new ( Loan No. XXXX ). 
1. On XX/XX/XXXX, XXXX ( XXXX ) entered into a Trial Period payment of {$1000.00}. After six months into the trial period, Ocwen stopped taking the payments under the agreement, claiming an error made. XXXX repeated requested documents many times to show the errors, Ocwen did not respond at all. 
2. On XX/XX/XXXX, Ocwen sent a new Trial Period Modification for {$1300.00}. XXXX refused to except it because of their claim of error. From that point until now, Ocwen, now PHH have refused to issue a modification without giving a reason, more than 25 times.
Product: Checking or savings account

I. And with BB & T. Thursday XX/XX/XXXX, my balance in my checking account was XXXX. Next day Friday, XX/XX/XXXX, I made 3 deposits, XXXX, XXXX, XXXX. Wednesday XX/XX/XXXX, I go into my checking account and balance is XXXX they also show that on XX/XX/XXXX, they have pending transactions for overdraft charge of XXXX and XXXX fee taken out of ssving and put in checking even though I have funds in my account to cover the cost. I called my bank and they claim that even though funds are showing in my account on the XX/XX/XXXX, and I have proof with pictures that those funds are showing on that date, they claim that it did n't post until later. Even though it shows on my account that it had.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit reporting or other personal consumer reports

About two years ago, there was a flood In Missouri, XXXX XXXX. I filed a claim with Fema because it was a FEMA flood disaster before they would take my application. They notified me that I was mandated to call my insurance company and attempted to file a claim. 
There was no claim filed. I called and inquired and spoke to XXXX XXXX as well but although involved with Fema, neither Lexus Nexus or XXXX XXXX will remove the report. 
There was no paid claim I did not file a claim. I did call to inquire, but the claims adjuster filed a claim against against the property, regardless of the information provided.. I called and spoke to corporate and they will not remove that regardless, even though it was involved with a FEMA flood disaster.
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 : 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 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

By filing this CFPB complaint, I formally request that the following accounts in my credit profile be updated because they seem to be somewhat deceptive and inaccurate. Please complete your investigation within 30 days in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ), failing to do so will result in a violation and possible Federal Trade Commission investigation : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX  XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$270.00}
Product: Checking or savings account

I ADDED XXXX PICTURE SCREENSHOT 'S OF PROOF! 

On Tuesday XX/XX/XXXX, at XXXX I made a bill payment in the amount of {$270.00} on XXXX online website. 

I am a joint owner on my husband checking account ending in # XXXX with NFCU. 

My husband has Overdraft ( OOPS Protection ) on his checking account that covers up to {$500.00} in transactions! 

It takes normally XXXX days for NFCU to process and pay a XXXX item. This wasn't my first time paying my XXXX XXXX bill payment using my husband our joint account ending in # XXXX, It took them XXXX days! 

I think a phone was made between the XXXX companies and NFCU charged our joint account the returned fee of {$29.00} to make the bank money! 

NFCU purposely charged us a {$29.00} Overdraft fee for NO REASON! This check for {$270.00} should've been paid. There was a running balance of available funds of {$760.00} to cover my bill payment check! 

I'm asking for letter of explanation from NFCU saying it was there fault so I can provide it to XXXX XXXX! 

I have email confirmation with a date and time proof from XXXX XXXX of payment made! 

I'm requesting a audit of our NFCU joint checking account of ALL the {$29.00} fees they charged us for XXXX and XXXX, they might have purposely charged these {$29.00} fees to male NFCU money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. American Express, XXXX  XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

On Tuesday, XX/XX/year>, I opened an estate account at the XXXX XXXX branch of XXXX Bank in XXXX, MA. It was funded by over {$XXXX} in cash. I was given checks in order to pay funds owed by the estate to various creditors including myself. I wrote a check drawn on XXXX Bank in the amount of {$XXXX}, XXXX and deposited into my personal checking account at Bank of America at its branch at XXXX XXXX XXXX in XXXX, MA, a short distance from the XXXX Bank. The deposit was made on XX/XX/year>. This was the only check drawn on the XXXX Bank Account. When I deposited the check, I received notice that the funds would be on-hold until XXXX on Monday, XX/XX/year>, at XXXX. I expected some delay in funds availability due to the size of the check, but because the check was drawn on a local bank and I knew that sufficient funds were available at the account at XXXX Bank, I assumed funds would be available in a day or XXXX. I visited the branch of Bank of America XXXX XXXX XXXX XXXX, explained the situation, and told them I thought they were in violation of REG CC. I was told that BofA was a big bank and and it would be difficult to reach the personnel to resolve the situation and to wait until Monday. In the meantime, many checks had to be written to creditors of the estate and I would not write and send any checks in advance of having funds in the account. I the went to XXXX Bank and found that {$XXXX}, XXXX had been withdrawn from my account by Bank of America XXXX XX/XX/year> and were being held in violation of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account was paid on XX/XX/year> and it continues to report me as a charge off in the transunion and experian account statement, and the account does not have a number to identify it, which is inaccurate information. This inaccurate information misleadingly manipulates the statute of limitations. This account was not properly investigated and that negligence has violated my rights under 15 US Code 1681i - Procedure in Case of Questioned Accuracy. I demand the deletion of the following account : XXXX  XXXX XXXX XXXX
Product: Bank account or service

My APY on my money market account with Santander changed from 1.25 on my XXXX/XXXX/XXXX statement to 1.10 on my XXXX/XXXX/XXXX statement to .75 on my XXXX/XXXX/XXXX statement. I received no notice or notification about the change in my APY nor authorized the change with Santander or agreed to it. This is highly concerning to me as this is a violation of Banking regulations and warrants a complaint. I did try reaching out to Santander customer support and they gave me no written excuse. Instead they told me to call a customer support number which I did and sat on hold for XXXX minutes and could not hold any longer. I think it is ridiculous that the Bank could not respond in writing. I believe this Bank is treating its customers Unfair and are being deceptive about their business with its customers. I would greatly appreciate the CFPB and the regulator of Santander to perform an exam of this Bank and identify all its control breakdowns and deceptive acts and other potential regulatory violations.
Product: Debt collection

They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt.
Product: Mortgage

Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.
Product: Credit card

I have been a victim of a scam by a music festival promoter XXXX XXXX of XXXX XXXX XXXX. I was excited to purchase my music festival 4-day package and wanted to be able to get the best package by being the first to do so. On XX/XX/XXXX, I purchased a VIP music festival package starting XX/XX/XXXX using my Navy Federal XXXX. On XX/XX/XXXX, while attending a different music festival at the XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, I got word from a friend who was enroute to meet me for the festival I purchased ; that our festival had been abruptly canceled due to XXXX XXXX mismanagement. This caused a tremendous amount of frustration and stress to say the least. My friend and I have both tried to email and call XXXX XXXX multiple times and still no response. We paid {$5700.00} for the festival that NEVER happened due to XXXX XXXX  NOT paying the hotel for our rooms. 



I have filed a dispute with Navy Federal Credit Union on three occasions, and each time my dispute has been denied. I am a XXXX XXXX XXXX XXXX  and have been with NFCU for 15 years or more. Each time I have been notified by messaging that my dispute has been denied due to it being outside of the timeframe, that NFCU do not have any charge back rights, as well as these regulations were set in place by XXXX. I find it very appalling that my dispute has been denied since my card has been issued by NFCU. Also, this event was a pre-purchased event, which my services were to be provided in XX/XX/XXXX and never received. If you can be of any further assistance, it would be greatly appreciated
Product: Credit card or prepaid card

XXXX alerted me that Bank of America had opened an unrequested credit card in my name. I was a co-signer only on my late father 's XXXX account. I called XXXX, and they cancelled the card. I asked for a copy of the application, which I'm entitled to, but they never sent it, which leads me to believe there was none, which indicates the bank itself initiated the application.
Product: Credit reporting or other personal consumer reports

sent this letter to the company : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, SC XXXX Account # XXXX Amount {$1300.00} charged off Subject : Request for Removal of Charge-Off Failure to Issue 1099-C To Whom It May Concern, I am writing to formally request the removal of a charge-off related to account number [ Account Number ] from my credit report. This account was reported as a charge-off ; however, I did not receive a Form 1099-C as required under IRS regulations for canceled debts exceeding {$600.00}.

Under IRS guidelines, creditors and collection agencies are obligated to issue a 1099-C for any forgiven or canceled debts. As a consumer, I rely on accurate reporting, both for tax purposes and for maintaining an accurate credit history. The absence of a 1099-C calls into question the validity of this charge-off and the procedures followed by your office in reporting this debt.

I respectfully request that this account be reviewed and the charge-off removed from my credit report as a gesture of goodwill and compliance with federal regulations. I have attached my most recent credit report highlighting the account in question for your reference. 
I value my financial reputation and am committed to ensuring all accounts are reported accurately. If additional information or documentation is needed, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a resolution. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I got alert on my credit report of this account being open and balance of XXXX charged. 
There is no number to contact the company. Contact info on the my credit report shows Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX States XXXX XX/XX/2023 Shows credit limit as XXXX open balance XXXX I need help with this. I have contacted XXXX and XXXX. They stated this could take 30 days.
Product: Credit card

Online Account Information with US Bank does NOT provide customer 's current interest rate information. This information is only offered on paper statements ( or PDF images of same ). 
If banks want to move to paperless systems the customer should be able to view ALL the data that is provided on paper statements and should not be required to make a special request for it to be mailed. It makes no sense. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX