23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. It's a SECOND complaint with the same company, over the same issue, because their response to the first complaint filed in XXXX was inadequate and dismissive of Federal Law to say the least. This NEW & UPDATED complaint contains new documents and new information & I expect an answer. 
- - - On XX/XX/XXXX I filed a complaint against JPMorgan Chase Bank for their unfair and deceptive practices in collecting payment in connection with a consumer credit transaction that was initiated in XXXX of XXXX. I stated that my rights were being violated and that they were collecting on an invalidated debt. JPMorgan Chase Bank responded by stating that the debt was indeed validated, a false and deceptive claim, and that despite a cease and desist that they received from me on XX/XX/XXXX via certified mail, I would continue to be communicated with via monthly statements and would continue to be held liable for the alleged debt. I know that JPMorgan Chase Bank is unable to furnish adequate documentation of validation pursuant to Federal Law because the information REQUIRED in order for ME to validate the alleged obligation was not sent to me within the first 5 days following initial communication. To this day they still have not sent proper documentation for validation. The XXXX XXXX cease and desist was accompanied by a letter requesting validation, via certified mail, for the alleged debt between myself and JPMorgan Chase Bank. To that letter they responded by sending me monthly statements, a cardmember agreement and a letter stating that the alleged obligation was validated and that what they had reported to credit reporting agencies, as is their duty, matched their records. Per the CFPB, credit reporting is VOLUNTARY and always has been, yet JPMorgan Chase Bank represented the act as a required duty pursuant to law, a blatant lie. No part of their response constituted validation of the alleged debt or proved that I have any legal requirement to pay them anything. What their response did serve for, was to showcase multiple violations on their part of TILA, the FCRA and the FDCPA. Following that response, I sent an Affidavit of Truth with Exhibits and an invoice for violations of the aforementioned Acts totaling {$110000.00} via certified mail that was received on XX/XX/XXXX. As of todays date, XX/XX/XXXX JPMorgan Chase has not responded to my Affidavit and has therefore defaulted. As part of the Default and opportunity to cure process, I will be resending all documents that I have sent since XXXX expecting a resolution outside of litigation. However I am aware that my unrebutted Affidavit stands as absolute truth in law and Im prepared to follow though with litigation if necessary. Congress enacted TILA, the FCRA and the FDCPA to give consumers a clear understanding of credit and the many deceptive practices that plague the industry. Im only asking for fair remedy, which is my right according to these Acts. All referenced documents are attached.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed {$91.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$700.00} ), XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX Credit limit : {$250.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$250.00} ), XXXX XXXX Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Balance {$2000.00}, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, Equifax, that is not mine. 
Equifax takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.
Product: Credit card or prepaid card

I have had many problems with this company. XXXX XXXX sends me letters stating they are lowering my account balance due to my credit score being low. But my credit score was increasing at the time of them lowering it. This time they closed my account due to inactivity because I havent used my card in two months. They stated they can not reopen nor will they reopen and that its my problem. They have very poor customer service no matter who you talk to or how far up the chain you go. I have been hung up on for asking to speak to someone higher up.
Product: Credit card or prepaid card

Synchrony Financial never mailed a bill to me. They said they emailed but that was put in our company spam filter. I did speak to the company in XX/XX/2022, they waived all late fees and canceled the card per my request. They did correct my credit report but the next week reversed the correction. This is all about a {$24.00} shower curtain! 
My credit core has been consistently over XXXX for over 10 years, now it is in the mid XXXX all do to this. I have had my credit reports locked down for over 7 years and since i had a card with Synchrony they kept inquiring about my credit further damaging my score. 


Please help! 


thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, has violated my rights. 

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

after years of a fully paid debt, albeit though garnishment from my former employee, this company continues to make false claims
Product: Checking or savings account

On XX/XX/2023 I deposited {$1500.00} cash in my checking account after leaving checked my app money was there. The next day XX/XX/2023 that deposit was nowhere to be found. Called Wells Fargo was told technical difficulty that was 10 am. At 3pm I went to bank and they told me the XXXX XXXX difficulties. To call XXXX number on my card. NO ANSWER ON WHEN AND IF IT WILL BE RESOLVED. Said come back tomorrow to speak with mgr.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against NOWCOM/WESTLAKE FINANC for the fraudulent inquiry in my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Product: Checking or savings account

Capital One is Holding my deposit hostage, while not giving me any answers, its been two days. I have bills. My consumer protection laws may have been broken. This is unacceptable. They should be thoroughly investigated. Thanks!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: 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 authorize, they have done this several times I was charged fees due to lagged posting of charges and credit this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds, I believe this practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my XXXX, XXXX   and Equifax credit reports starting in XXXX. 

Since XXXX my Equifax report has had no further payment updates. I have made all my payments in full each month since I received the card yet Equifax incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For XXXX they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my XXXX score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Product: Bank account or service

On XXXX/2017, Bank BBVA Compass, charged my account XXXX in the amount of {$32.00} each time for overdraft fees. I had active/enough funds in my account at all times while these transactions went through. There were XXXX transactions that were charged overdraft, all of which I had available funds in my account. I also was paid on Friday XXXX/2017 with a direct deposit in the amount of {$1500.00}. 

Transaction # 1 {$7.00} XXXX XXXX/2017 Transaction # 2 {$64.00} XXXX Payment XXXX/2017 Transaction # XXXX {$120.00} for a website payment XXXX/2017 I spoke to a phone agent on XXXX/2017 that had access to my account and told me that if i deposited money into my account that my transaction for {$160.00} would be covered from XXXX so I went to the ATM and deposited almost {$200.00} to leave enough in my account to cover that transaction. I wake up the next morning and not only did the XXXX NOT GET PAID, but they charged me XXXX overdraft fees of {$32.00} for random transactions from days before that I actually had money in my account for. In fact, on XXXX/2017, after all of those transactions had already went through i withdrew {$340.00} in cash from the ATM which left me still with a positive balance in my account as they do not allow me to overdraft through ATM transaction. All of those transactions were already processing and went through. 

There is clearly something wrong with their system and the way it prioritizes purchases relative to your available balance in your account. Obviously, if I had a lot of money in my account, this would n't be an issue. This is only an issue because my account was low on funds, which really is n't their business to worry about. They should however make sure that everybody 's transactions are processed fairly and with the right timing. 

The explanation was poor by the company, and I advised them to listen to the phone call i had with the representative to get a better understanding. I did clearly let them know that they have STOLEN money from me as I paid for these items already and now they are collecting on those charges and adding fees to them.
Product: Debt collection

My mother received a phone call on XX/XX/XXXX from XXXX XXXX from phone # XXXX threating that she needed to provide him my info or he would have me served at my place of employment to be locked up by an officer and that he was trying to spare me the embarrassment and to give me IG # XXXX. When I called the phone number he left the rep. who answered did not identify herself when I asked the name of the company and the reason why they were reaching my mother? Instead asked for an IG # which I provided then started threating me stating I was a criminal and attempted to defraud the system and if I was familiar with a penal code? I then again asked reason for call she started making treats of taking me court which then I asked to speak to her superior. I then talked with XXXX XXXX who gave him is direct ph # XXXX and his company handles civil matters, they were a mediator for XXXX XXXX but that is was a debt collection call and didn't state why his employees were stating otherwise. I asked for a validation of debt which was not provided and also informed him they have now violated the FDCPA laws in place given threating and scare tactics not to mention mini Miranda not being read at the beginning of call.
Product: Credit card or prepaid card

In XXXX of XXXX, I requested a new card from Destiny Mastercard and was told it would be sent to me. I had a XXXX balance at the time, and never received this replacement. My account stayed at a XXXX balance until this XXXX, now I am constantly being charged directly from my bank account from this bank and nobody will tell me why, or explain how I am charged this amount knowing they never fulfilled my request for a replacement card or made any charges for the entirety of the year. 

They are now harassing my work and home phone, randomly taking money from my account without any written reasoning, and asking for more money when remember, I have not had this card for over a year and they acknowledge I have not had this card nor have I made a single purchase.
Product: Debt collection

I received a notice regarding my trans union credit report on Friday XX/XX/2017. I checked and saw it was a collection from Nationwide Recovery Systems. I called immediately and at first the representative could not find me using my name OR social security number. She eventually found me and said I owed {$780.00}, I let her know I have not received any kind of documentation regarding this debt. I proceeded to give her my credit card info, I asked her to not process my card until I do some research on this debt because my husband advised that I should get documentation on what it is exactly that I owe because I do not recall this bill. Their only advice to me was call the hospital. I called the hospital and they advised that they do not even use this particular debt collecting service, I also called Neonatal consultants which is the name it is under and that phone number is disconnected. I called back to try to get more info but was unsuccessful, they did in fact run my credit card through after the representative said she would NOT run my card and to call back before XXXX that day if I wanted my payment to be processed that day. My credit card company called them on 3 way to dispute this charge and we spoke to a supervisor who told me that if I take back my payment he would NEVER remove the collection from my credit even if I called back to pay it. He also stated it would take 48 hours for the payment to be reversed. Today is the XX/XX/XXXX which is way over 48 hours and my money has not been returned to me and I still have yet to be given any kinds of documentation regarding this debt. I called today to find out what is going on and was put on hold.
Product: Money transfer, virtual currency, or money service

At the request in writing from the XXXX XXXX XXXX, Legal Unit, XXXX, I wired {$30000.00} to a XXXX  XXXX  XXXX  account at Capital One bank on XX/XX/XXXX. The XXXX XXXX XXXX discoverer on XX/XX/XXXX 4 days later, that the account they gave me at Capital One bank was the wrong account, and requested I recall the funds back to my bank, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from the person ( XXXX ) who received the wired {$30000.00} that the funds were received in her account and she did not know the sender and she will request Capital One to send the funds back to my bank,. On XX/XX/XXXX I contacted my attorney XXXX XXXX who sent a Letter to Capital One Bank and their customer XXXX  and again on XX/XX/XXXX my attorney sent a second demand letter to Capital One bank demanding a response and as of today XXXX, Capital One bank has not responded to either of our legal letters, nor have I received my {$30000.00}, XXXX back. The XXXX XXXX XXXX has contacted the FBI regarding the {$30000.00} issue and I would like Capital One Bank to respond to my attorney demand letters regarding what happened to the {$30000.00}.
Product: Credit reporting or other personal consumer reports

My personal information is being reported inaccurately on my credit file. The following names and addresses are incorrect. 

NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX The only name that should appear on my credit file is XXXX XXXX. 

Secondly, they are several addresses that are being reported on my credit file inaccurately. 

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 The only name and address that should be listed on my credit file is as follows XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please note that my employment is also inaccurately being reported. I no longer work at XXXX XXXX. 
7.

5.
Product: Bank account or service

Received unsolicited Visa debit card from netSpend.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions