23daVinci/CFPB_Complaints huggingface dataset:
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. 

Equifax- 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 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 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 and other adverse item of information, other than records of conviction 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 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

My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions.

My personal financial information is private and non public. The Gramm-Leach-Bliley Act ( GLBA ) focuses on the privacy of nonpublic personal information held by financial institutions. Under the GLBA, financial institutions are required to provide consumers with privacy notices that explain their policies and practices regarding the sharing of nonpublic personal information with non-affiliated third parties. XXXX, XXXX and XXXX are PRIVATE companies that are non affiliated. My personal financial information is private.

Furthermore, the GLBA generally allows consumers the opportunity to opt out of certain information-sharing arrangements with non-affiliated third parties. Financial institutions are obligated to inform consumers about their right to opt out and provide a method for them to do so if the institution intends to share nonpublic personal information in a way that triggers this opt-out requirement. 


JPMCB never contacted me about these accounts being opened. They never had my personal verbal or written consent. validation of my name, address, phone number is not sufficient evidence that I ever opened these accounts with my personal knowledge. 

I ask JPMCB to show me proof that they have my consent or permissible purpose to report and cause me damage. 

In so ruling, the XXXX XXXX concluded that a consumer alleging a willful violation of the FCRA does not need to prove actual damages to recover damages of not less than {$100.00} and not more than {$1000.00}. 

and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX proves that a contract doesn't establish proof that a debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open credit card account with Citibank, and have consistently communicated to them that they have the wrong phone number on my account. The phone number listed has not been active for nearly 5 years. As seen in my log-in earlier today, Citibank continues associate my account with the wrong number ; as such, I am rarely able to access my account. Attached is an image showing the associated wrong number despite the corrective actions Ive done on a consistent basis to update my information with Citibank. 

My concern is that Citibank is inaccurately reporting a XXXXdelinquincy on my account. I have had good credit for the past 10 years, but Citibank recently reported a XXXX delinquency XXXX approximately {$260.00} XXXX and never properly communicated to this balance and failed to properly communicate to me even at the XXXX delinquency. 

I tried resolving this issue with Citibank immediately once I found out about a past due balance as I thought this to be an unfair representation of my credit. Ive never had a delinquency reported payment on my credit. Immediately after finding out about this past-due balance, the same day I made sure to make a full payment to ensure that Citi was paid in full. 

On or about XXXX XXXX XXXX my Citibank representative admitted to have called the incorrect number when communicating to me about the XXXX delinquency ; this was the same day I made a payment to Citibank. I also explained to the representative that this was not fair and that I have communicated numerous times about the number indicated was wrong. Despite my explanation and efforts to remedy the reporting, Citibank communicated to me that they would not reverse the XXXX delinquency. My actual payments posted on XXXX/XXXX/XXXX which resulted in my balance with Citibank to this day to be {$0.00}. 

On or about XXXX XXXX, XXXX Citibank representative confirmed that she had updated my correct information for my mobile/home phone number. I only have one number. Interestingly, when I log online, the phone number shown and associated to my account is still wrong. 

In addition, Citibank had stopped sending me paper statements and, instead they started sending e-statements. I revisited my emails and looked to see if I had received some warning or notification, but no XXXX or XXXX delinquency messages were found. On or about XXXX XXXX, XXXX, I verbally communicated to my Citibank representative that I would like to continue receiving my paper statements. 

As a result of this miscommunication, the incident worth {$260.00} negatively impacted my credit score and reduced this by approximately 100 points. I am hoping for your consideration in remedying this XXXX delinquency reporting, which I feel to be an untrue reporting of my actual creditworthiness. I truly appreciate your time and consideration on the matter.
Product: Debt collection

I received a phone call around XXXX from this company stating that I owed them money for a bill that was not mine. I told them I had sold my house and the debt was not mine and I wanted the bill validated and not to be contacted until then. I did not hear from then. Fast forward to XX/XX/XXXX. I received a notice that there was a collection on my credit report. It was from them. I called them up and spoke to a XXXX XXXX? I told him the debt was not mine and if they had validated it yet. He told me it was up to me to prove it was not my debt. When I asked if they were legally obligated to validate the debt, he told me no. He listed XXXX address that were not mine and got very upset when I asked to speak to a manager and refused to transfer me. They clearly broke the law by not validating the debt after I asked them to and than again when he lied to me stating it was on me and not them to validate it.
Product: Payday loan, title loan, or personal loan

When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.
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 Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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: Debt collection

I have contacted this company several times to validate this debt and they have not sent me any documentation ( original contract with full social security number, date of birth, and original signature ) to verify that the debt is in fact mine. I sent the very correspondence to them via certified letter on XX/XX/2021. I sent an updated letter 30 days later to request deletion of the debt due to no response. Then I filed a complaint with the CFPB. They responded to the complaint by saying they are still working on it. It has been over 30 days so the only thing they need to work on is deleting this debt from my credit profile with all credit bureaus. As of today, I have filed a complaint with the FTC regarding the debt collection practices of this company.
Product: Debt collection

I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to  TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up  automatic withdrawals with  TSI  and I had received monthly invoices giving me notice of adjusted balance. This month  (   XXXX ,  2017  ) I looked at my credit report and it noted that specific debt had been closed out  ( a total of ~  {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late on XXXX XXXX XXXX, CFPB step up and fix this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete disbelief to even be filing this complaint I opened up a joint account with Hyundai motor finance and trusted them as a premium lender for financing purposes my car was in a collision and my insurance company completely paid off the car prior to that all payments were successfully made I recently spoke to a manager who informed me that when my XXXX payment was made for {$600.00} Instead of Hyundai motor finance applying the payment to my account they applied a {$570.00} payment of the {$600.00} I sent them for a payment to something other than my account for a outstanding balance in which I have no knowledge of and then posted {$28.00} to my payment for XXXX Im completely lost as to why they would do that if I gave you {$600.00} to post the payment you do not have the legal right to post it elsewhere. As a young college XXXX  I have been negatively affect and impacted by this Hyundai motor finance has brought my credit score down by 50 points. On my XXXX XXXX credit report they are showing a balance of {$15000.00} and a missed payment for XX/XX/2020 On my XXXX   credit report They are showing the balance of {$14000.00} with the payment missed in may This is complete and inaccurate information this is a form of deformation of character and intentional infliction of emotional distress and I am in tears typing this. Hyundai motor finance is in direct opposition of following the fair credit reporting act that states all information provided to the credit bureaus must be 100 % accurate and in this case it is not. Hyundai motor finance Has caused me great emotional and mental harm and I am currently suffering from the psychological defects of the unprofessional negligent Demoralizing behavior in which I have been treated. There are tons of car companies to choose from and I put my trust and support in Hyundai financing hands and this is how they treated me.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. I request that you provide the following information and documentation in order to validate this debt : The amount of the debt : Please provide a detailed breakdown of the amount claimed tO be owed, including any fees or interest added to the original debt. 
The name of the creditor : Please confirm the name of the original creditor to whom the debt is owed.

Proof of the original agreement : Please provide a copy of the original signed 3.

contract or agreement that created the debt, including the terms and conditions under which the debt was incurred.

A detailed history of the debt : Please provide a complete record of payments made and any charges or interest added to the debt since its origination.

5. Verification of your authority to collect this debt : Please provide documentation of confirmning that you are authorized to collect this debts on behalf the original creditor or that you have purchased the debt.

6.

A copy of any judgment ( if applicable ) : If this debt was obtained through a legal judgment, please provide a copy of the court judgment. 


Please be advised that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this request. If you are unable to provide the necessary documentation, I request that you cease all collection efforts and remove any related negative marks from my credit report. 


This letter is not an acknowledgment of the debt, nor is it an admission of liability. I expect that all collection efforts will be suspended until the requested validation is provided. 


Thank you for your prompt attention to this matter.
Product: Debt collection

I received marketing mail from local attorneys that I needed to contact them because I had a garnishment. 

I read the submitted documents snd it stated on XX/XX/XXXX that I was notified of the garnishment judgment. I was not XXXX XXXX XXXX XXXX Case RVO Law XXXX representing The XXXX XXXX XXXX. 

also this debt is time barred it is not even listed on my credit report as a debt owed.
Product: Mortgage

I was behind on my mortgage payment, and I was approved for a grant to cover my payment. I receive my statement for XXXX with the full amount I was behind. The balance between my payment, and the grant will leave my XXXX payment to be {$280.00}, I am being told there was a shortage in my escrow, so I will have to pay the full amount of {$550.00}. The payment for the shortage is included in the behind payment, so the grant cover the shortage. Plus, there was an additional charge of {$2300.00} I didn't find out about until I saw my XXXX statement. It was called Recoverable Corporate Advance. I was told by my mortgage company this was money they advance me to pay there attorney fees. I didn't sign any paperwork. I didn't know anything about this. I wouldn't agree to this. This amount is almost as much that I owe. I was in a hardship, and we were in a pandemic. They should have been working with there customer, and waived this fee.
Product: Checking or savings account

I am trying to link my account between PNC Bank and the XXXX app using the service called XXXX. And it is saying that the bank has stopped allowing people to link their checking accounts through the service.and I don't believe that is fair ...
Product: Vehicle loan or lease

Submitted letter of student write loans right off, submitted current documentation from medical leave with notice of termination while on medical leave with proof of long term care and pending XXXX as well as submitted to the company that I didn't get to see my vehicle upon repossession as well as when I tried to turn in keys they told me didn't need my keys at the reposession place. While I am still pending SSDA/SSI from 2017 and it is stuck in appeals court they continue to not offer refiaancing and now it is affecting my credit. I have went above and beyond contacting them during my medical termoil and on XXXX XXXX XXXX XXXX have had family drive me across state just to get my possessions in the vehicle then they tell me that I can't fiancnce my car and i explained that I talked to original dealership and they would help me refiance the vehicle yet they refuse to budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late
Product: Credit card or prepaid card

I process a payment for rental a car online and card was accepted but when we visit the location they refuse to accept the card and decline the service.
Product: Credit card

I called the company and told them this is not my account for {$11000.00} on XX/XX/year> and the lady took my phone number and said they'd get back to me. I've called since and can't get past the receptionist. I only have a partial if the card number. I also filed a report with XXXX and they say it's mine. It's NOT. I called them and couldn't understand the person I spoke to except for to file a identity theft and I found this website.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the current CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and Equifax continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and Equifax and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and Equifax 2. Facilitate communication between myself, XXXX and Equifax, and XXXX XXXX r to ensure that the account status is updated promptly and accurately. 
XXXX. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information. 
4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future. 

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.
Product: Credit reporting or other personal consumer reports

These late payments are false XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I have consistently paid these accounts on time. The reporting of these inaccuracies violates the following legal provisions : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to maintain maximum accuracy in their reports, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting informational and 15 U.S.C. 1666b ( a ) prohibits creditors from treating timely payments as late. Reporting my information without written consent violates my right on permissible purpose 15 U.S.C. 1681b ( 2 ) according to FCRA. Fix these late errors as soon as possible or I will seek {$1000.00} per violation for willful noncompliance with the FCRA and additional damages for the harm caused. I demand an immediate correction to avoid further legal action.