23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was transferred to the automated system to authorize my monthly payment and the payment was drawn from the wrong account. An account that was closed that I had called Chase Auto Finance in XXXX and requested to remove from file a few months previously. My payment requested for XX/XX/year> was drafted from the wrong account and after noticing the auto draft was not taken out after XX/XX/XXXX I called & was told my old account was charged in error by the automated system. I have never been late & this is not fair to me because I am not supposed to be late on anything after a bankruptcy. I have never been late on this or any other accounts to date,
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm not sure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
XXXX, EQUIFAX AND XXXX.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX - Opened XX/XX/XXXX - Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. Equifax confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. They were each updated on different dates. XXXX shows XX/XX/XXXX. XXXX XX/XX/XXXX. Equifax XX/XX/XXXX. XXXX and XXXX report the same last payment date as XX/XX/XXXX when Equifax shows XX/XX/XXXX. XXXX reports the worst payment date as 30-59 days when Equifax shows XXXX XXXX. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account. It also reports as a credit card, when it was in fact, a secured credit card.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX a XXXX XXXX  XXXX XXXX at US Auto sales in XXXX GA on XX/XX/XXXX. 
About 3 months ago Westlake Portfolio Management started to call me to collect payments from me about my car and saying that they are taking over US Auto sales and I need to make payments through them. 
So I followed and started to make payments til I ask how much was my balance. 
They said it was XXXX XXXX Dollars. 
Which is incorrect cause I had got the car for XXXX XXXX Dollars. 
I paid a XXXX US Dollars plus bi weekly payments since I had the car. 
Few weeks later they came repossessed my car when I ask for the correct balance before moving forward on payments. 
My original sign documents from my contract is in my car that they towed in the glove compartment.
Product: Vehicle loan or lease

They updated my account was to credit bureaus late. Extra late fees were charged.
Product: Debt collection

Collection Dept. at XXXX XXXX does not answer after sending last XXXX of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left XXXX messages with XXXX with call back information that for XXXX weeks. ( Nothing )
Product: Debt collection

I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Checking or savings account

Iam writing to filing a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges a credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : REGIONAL ACCEPTANCE CO XXXX Balance {$10000.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$10000.00} balance indicating if it is a charge off account.
Product: Debt collection

I have sent debt validation with no response. I'm not sure if this company actually owns the debt. I have not receive any notifications from their office. In addition each month they add {$1.00} to {$2.00} to the balance.
Product: Debt collection

XXXX XXXX XXXX filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX. 

Pollack & Rosen is the attorney for the plaintiff, and the pretrial conference will be on XXXX at XXXX XXXX 

I logged into that XXXX XXXX account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the XXXX XXXX account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus.

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last XXXX digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to XXXX XXXX XXXX, so XXXX became a dead end. 

XXXX XXXX Pollack & Rosen account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account. 

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in XXXX weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference. 

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with Equifax and XXXX  attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Product: Mortgage

XX/XX/XXXX : Mortgage placed on a COVID Pandemic forbearance. 
XX/XX/XXXX : My husband became unemployed as of effect of the pandemic XX/XX/XXXX : Payments restarted on mortgage {$1400.00}. 
XX/XX/XXXX : All documents provided for modification process. 
XX/XX/XXXX : Modification denied. Other options offered - pay off the entire amount of forbearance or refinance with another mortgage company. Paying off the entire amount is unfeasible and unaffordable to say the least. We have suffered financially the same as all others as effects of this devastating pandemic. Why is wells fargo not trying to work with us and in fact working against us? I understood it was against the law to do such things in the face of this pandemic. Please assist. All we seek is a modification or some sort or repayment plan. We do not seek foreclosure, although, it would allow us to save a lot of money we seek to protect our credit with much more interest! We have XXXX XXXX year old XXXX  ( among our XXXX children ) that will attend college next year and may have to obtain loans to pay their tuitions. We do not have time to go through the whole refinance process with another mortgage company. Although, it would probably be best as we could most likely lock in a better rate and cash in on equity with a more reputable institution. However, we just seek to resolve this in the speediest way possible with the current lender. Thank you in advance for your assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a dispute was filed with Portfolio Recovery Associates , LLC regarding the debt validation for the contract assignment from the original creditor, right to do business in the state of GA, and continued reporting of 120-Day late payment to XXXX Credit Bureau . 

On XX/XX/2022 the company responded with an invoice of a bill from XXXX XXXX XXXX. Per FCRA, a collection agency is NOT allowed to report late payments on a collection account. Portfolio Recovery Associates has repeatedly failed to provide the appropriate documentation to establish their authority to collect the stated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX, XXXX, and Experian. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance . 

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy. 

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property. 

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself. 

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being. 

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property. 

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions. 

I am providing documentation evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 



Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

On XX/XX/XXXX XXXXXXXX XXXX ( 1st ) Loan amt. {$180000.00}. Payoff from mortgage loan {$100000.00} cash to seller {$61000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX finance charge XXXX ( 3rd ) XXXX Bank of America gave XXXX {$170000.00} XXXXXXXX XXXX  Bank of America is the ( 4th ) mortgage company and XXXX Mortgage is ( 5th XXXX XXXX  went back and forth with this Loan. In XXXX there was {$12000.00} overage. 

There is no explanation why there is 5 Mortgage Loan on this House. We owe the same amount now, as to when we built the house 23 years ago. I have Investors calling offering me XXXX for this house. We have never miss a mortgage payment.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX late payment XXXX XXXX XXXX {$13000.00} XXXXXXXX XXXX XXXXXXXX {$58000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My complaint is with a Collection Agency called Healthcare Receivables. The sent me a bill of 3 charges for XXXX university for a total of {$630.00}. The sent this bill with only charges, no date of service and no true Validation of date. I would need Validation of this debt not verification. First I have never been to XXXX University, I do not even stay close to this area. Second I have been XXXX and have had XXXX since XXXX of this year and before that and during XXXX I also had XXXX XXXX who I spoke to and they confirmed they paid all my vlaims from when I had insurance with XXXX. XXXX has been covering all my hospital bills and doctor bills, so I do not know where this account come from or why it was n't submitted to medicaid. I called this Helthcare Receivables and typed in the account number on the bill received and they gave me a different amount or {$720.00} due. I have never been to XXXX University  and if this is Physician bill from another XXXX I go to this would need to be submitted to XXXX. But this bill is unclear and does not even have a Date of Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to AmeriCollect at the beginning of XXXX stating that I need proof that I've released authorization for medical documentation to be released to the credit agencies. This letter that I sent was dated : XXXX regarding debt that is being reported as mine on my credit report. All of the debt that they are reporting is supposed to be from medical debt. Their follow up response was to send me itemized statements of medical bills. This is concerning on many levels. I feel as though they've breached my HIPPA rights and unfortunately, they've potentially exposed medical information to anyone who has access to my CBR. I sent a follow up letter On XXXX and no follow up has been made to resolve obtaining proof and consent that my authorization was given to release medical information to any 3rd parties - including the credit agencies.
Product: Checking or savings account

I'm in the process of trying to close a Checking and Savings account for my deceased father. The bank is JPMorgan Chase Bank. 
My father lived and died in XXXX and I live in XXXX, where there isn't a Chase branch for over 200 miles ;  therefore I've had to try to do all of this via phone and mail. 
My father passed away on XX/XX/XXXX, which means it's been over 7 months and I still haven't been able to close his account and have the funds dispersed to me, his legal next of kin. My father was ill for years leading up to his death and accrued thousands of dollars of medical bills during that time, which remained unpaid at the time of his death. 
I've called the Chase Deceased Processing Group numerous times to attempt to obtain instructions, information, and to follow up on this process since XX/XX/XXXX, without success. I've talked to a different representative each time, none of whom were able to answer my questions or who seemed to have any information about my dad 's account or my attempts to close it. 
Since XX/XX/XXXX, I have mailed the Deceased Processing Group the original Death Certificate from the state of XXXX, included a letter of instruction for what I want done with the funds and included my signature, as well as mailing an official Affidavit for Collection of Personal Property and having it notarized three separate times, due to supposed " errors '' made on the document -- according to Chase bank, this includes missing information or the form being filled out incorrectly. After sending out the third attempt at the affidavit on XX/XX/XXXX, I waited a month without hearing or receiving anything only to call and have them tell me they " never got it. '' That phone call took place today, XX/XX/XXXX. 
I made copies of this most recent signed, notarized affidavit and have them in my possession. I have a receipt for the day I got it notarized and mailed it out. They are now telling me they need the original copy, which I guess either got lost in the mail, or they lost, or are just claiming they never received so they don't have to process my request. 
I can not afford to wait any longer, or keep getting the same document notarized over and over again without any direct communication from the bank that they are actively working with me to resolve this -- it's become quite clear that they have no vested interest in helping me recover what's left of my father 's money so I can mourn his death appropriately and be provided with some closure. In fact they appear to be doing the opposite. 
I have never had such a negative experience with a company in my entire life. More importantly though, what they are doing is morally wrong. They are profiting off of their deceased account holders and taking advantage of their grieving families.
Product: Credit card

Chase Sapphire Reserve is refusing to honor a promo where you spend {$400.00} on Back XXXX and receive up to {$200.00} off. This expired on XX/XX/XXXX which is the day we made the purchase. We felt comfortable doing so because the FAQs on Chase website explicitly state the following " My transaction posted to my account after the Chase Offer expired. Will I still earn a statement credit? 
As long as you or any cardholders made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. If you don't receive your statement, please call the number on the back of your card. '' you can find the link here https : //www.chase.com/personal/merchant-offers/faqs In the chat with representative they stated we did not purchase this before the deadline when we had already proved to them with the receipt on XX/XX/XXXX proving date of purchase. We also provided them a screenshot of their FAQ page where it states the above mentioned as well. The receipt was not acknowledged nor was the FAQ page. They simply reiterated that we did not purchase this before XX/XX/XXXX which we have proof of. They have stated there are many issued with the Backcountry promo such as this but are declining to speak to us further or resolve this issue.
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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

On my CRA, XXXX XXXX  / NetCredit reflects a hard inquiry on XX/XX/year>. 

I did not authorize anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.