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

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

SPONSORED LISTINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website Email XXXX XXXX XXXX XXXX  Contact us Advertise here Help Terms of use Pr
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for account listed without my expressed written consent.
Product: Debt collection

I received a letter from United Accounts on XXXX XXXX XXXX claiming I owe an amount to XXXX XXXX from a year and a half ago. this was the first attempt ever to contact me regarding any outstanding amounts from either company. I contracted them immediately and disputed this as I know for a fact this has been paid before. They informed me they can contact XXXX XXXX or I can contact them in which I replied I will resolve the matter with XXXX XXXX. 

I then contacted XXXX XXXX and according to their statement I still owed them this amount. I know I paid this at their offices but did not have the invoice readily available as I moved to another state. I told them I will get the invoice and the have to give me some time as I have to find and pack out several boxes in the hope to find the receipt.

United Accounts then proceeded to still report me to the credit bureaus even though they were aware of my dispute. I contacted them again and asked if it would be better to pay this amount again or to continue with the dispute as I know this was paid before and I am in the process of purchasing a house ( the negative report could affect my ability to purchase my house ). The lady said I should pay the bill and they will remove the report from the credit bureaus but it would take until end XXXX. They also said my loan company could contact them and they will give proof of my paid account. I proceeded to pay United Accounts the complete amount. 

The next day, I asked them to please supply me with proof of payment in order for my loan company to take the negative report out of my file. United accounts refused saying they are not allowed to give me any proof of payment because I am a resident of Wyoming. I continued to ask if she is saying that they may not give me any form of proof that I paid them and she kept on saying they may not according to law. 

The last lady I contacted was named XXXX and she said my bank should fax them a credit release before they will give us ANY proof of payment. During my XXXX calls to them, they were extremely defensive and rude and did not want me to finish my sentences before either interrupting on just putting the phone down. 

" XXXX XXXX XXXX United Accounts, Inc. is fully automated . Our systems utilize industry leading XXXX XXXX technology, 24/7 website access for placing accounts and viewing real time account stats and progress reports. XXXX has the flexibility to accept electronic account placements in your format. '' This is what hey claim on their website but they can not provide proof of payment???
Product: Credit card or prepaid card

On XX/XX/2023 I left the United States of America and traveled to XXXX XXXX  when I got here citi credit card was flagged as fraudulent I called the company and they said they can not reactivate my account because I don't have the phone number associated with the account or access to my old address because I don't live there right now I literally have everything else my birth certificate social security card passport everything that you can imagine except those two things so they locked me out of the account and they said that there is nothing they can do to help me I've exhausted every other possibility and I need help
Product: Credit reporting or other personal consumer reports

Dear CFPB, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. The consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Attached is the following companies who are reporting after an opt out letter and verbal communication was giving over 30 days ago. As the CFPB per 15 USC 6805 ( A ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follow you shall enforce this law to the following companies listed below. 

Sincerely, TD AUTO FINANCE Account Type - Detail : Auto Loan Auto Loan - Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$27000.00} {$27000.00} {$27000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7200.00} {$7200.00} {$7200.00} High Credit : {$7200.00} {$7200.00} {$7200.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  Monthly Payment : {$180.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} {$1800.00} High Credit : {$3100.00} {$3100.00} {$1800.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} Last Reported : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX  XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

It's been 2 Billing Cycles and US Bank has not reported my New U.S. Bank Platinum Visa Card  XXXX to XXXX
Product: Debt collection

Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Product: Checking or savings account

Overdraft fees when accounts shows that i have money in before spending money.ranging XXXX XXXX to XXXX XXXX in overdraft fees. Called Navy Federal to resolve was told to contact another department, they forwarded me and then the call drop i told them and they repeated to forward me then again call was dropped
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX$720.00} XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}
Product: Mortgage

XX/XX/2018 property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold the sale proceeds paid off the 1st and 2nd mortgage serviced by Ocwen. I recently pulled my credit report from XXXX, XXXX and XXXX to review my credit report make sure its pristine and a desirable loan candidate prior to meeting with a lender. Having excellent credit and high FICO SCORE I expected.to see the sale information on my credit report with the sale and high credit scoreI should have some good options. Not the case ... ..I didn't understand ocwen reported nothing as if the property never existed as far as credit reporting goes. I called ocwen so many times I lost count, Furthermore, as proof to Ocwen I submitted my driver license, Social Security card, statutory warranty deed, final closing settlement, and sellers statement as proof. Unfortunately, to date I have not heard from Ocwen. 
Im currently working with XXXX, XXXX and XXXX Ive submitted supporting documents. The investigation process takes 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate information.
Product: Credit card or prepaid card

There was a promotional offer provided with XXXX ( through Synchrony ) - offer pasted below. I made five qualifying purchases within this period and registered each one to ensure that the credits would be received. I have received three statement credits, but I am still missing two. I have tried to chat with the company five times and they keep telling me they have escalated it, are looking into it, or someone will contact me and nothing is done. I don't know if they have pulled this with other cardholders also, but I believe I needed to submit this so it doesn't happen to anyone else. I am currently waiting on the last two credits for {$75.00} ( total of {$150.00} ). I asked them to clarify I would receive them. They said I should receive a credit. I worded it asking to answer yes, that I will receive a statement credit. They didn't want to answer definitively " yes '' and then backpedaled when I explained I would be submitting a complaint. 

EARN UP TO $ XXXX paid as a statement credit when you make a single receipt, online or in-store purchase with your XXXX XXXX XXXX at a participating location. There is no limit to the number of statement credits you can earn during the promotion period, but you need to register for each statement credit to receive the credit. 
XX/XX/XXXX - XX/XX/2018 {$50.00} BACK on purchases of $ XXXX {$740.00} {$75.00} BACK on purchases of $ XXXX {$1400.00} {$100.00} BACK on purchases of $ XXXX HERE 'S HOW : 1. REGISTER by visiting www.XXXX or by calling XXXX no later than XX/XX/2018. 
2. USE your XXXX XXXX XXXX on any single receipt, online or in-store purchase XX/XX/XXXX - XX/XX/2018 at a participating XXXX XXXX   location or online. 
3. EARN up to {$100.00} back in the form of a statement credit. 

DON'T FORGET : You must register for each statement credit to be eligible to earn the statement credit.
Product: Mortgage

We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date.     Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).      QWR was sent on  XXXX  -2017 with  no response.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, I have received a letter from Synergetic Communication Inc, about a dent with XXXX XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Vehicle loan or lease

I purchased a car from XXXX XXXX on XX/XX/XXXX. I chose a XXXX XXXX XXXX XXXX. We proceeded with the paperwork. My salesman got me an offer from a lender, Santander Consumer USA. I was to circle which option from the lender that I felt comfortable with, and sign the agreement ( which I did ). I chose {$1500.00} down, 60 months @ $ XXXX per month. I then proceeded to acquire auto insurance over the phone ( which I did ). After acquiring auto insurance ( and paying the 1st month premium ), The salesperson left the table. We proceeded to close the deal. The salesperson then told me and showed me an agreement that my monthly payment would be $ XXXX, down payment now changed to {$1900.00} and # of months changed from 60 to 72 months. I asked what happen to the $ XXXX per month and the other agreement options that i had first signed, he said he added a XXXX XXXX warranty of $ XXXX ( which I didnt ask for, and he added it without even discussing it with me ). I had him take it off, that brought it down to $ XXXX per month, still 72 months and {$1900.00} down. I then asked what happen to the $ XXXX, something else was taken off ; ( Im assuming that it was delivery fee, but the car was a trade-in, therefore it was not delivered so that fee was rake off ). I asked the salesperson what happen to the first agreement ( {$1500.00} down, 60 months @ $ XXXX per month ) The salesperson then left and came back and told me that the lender had changed its mind and now wanted {$1900.00} down ( previously {$1500.00} ), for 72 months ( previously 60 months ), at $ XXXX per month ( previously $ XXXX which is still about the same ). The changes came out to be an increase of over {$3400.00}. 
I reluctantly signed. Over the following weekend I got some advice that I might have been a victim of " iinterest markups '' scheme or " bait and switch '' scheme because I'm a female. I was told that I should submit a complaint to The Consumer Financial Protection Bureau but first try to rectify the issue with the dealership. I went to the dealership on Friday XX/XX/XXXX to try to resolve the matter but my resolution fell on deaf ears.
Product: Credit reporting or other personal consumer reports

These companies have unlawfully provided my information
without obtaining my written consent, as explicitly required by 15
USC 1681B of the FCRA. It is imperative that you understand that I
do not consent to the unauthorized furnishing of any of my
information by any means, as delineated by my rights under the
FCRA. The accounts are listed below: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Furthermore, in light of the provisions stated in 15 USC 1692a(2) of
the FDCPA, it is evident that the transmission of information
regarding a debt, directly or indirectly, through any communication
medium constitutes a "Communication." As per the literal
interpretation of "any medium," this encompasses various forms of
communication, be it oral, written, electronic, or others. Therefore,
the act of furnishing my consumer report, which contains
information about the alleged debt, constitutes a "Communication"
under the FDCPA. In accordance with my rights outlined in 15 USC
1692c(c) of the FDCPA, I hereby provide you with formal notice to
immediately cease all further communication pertaining to these
accounts. This includes, but is not limited to, any form of contact
such as telephone calls, emails, social media interactions, or any
communication made through a Consumer Reporting Agency. Please
be advised that any continued contact or communication from your
company or its agents, except for a communication acknowledging
receipt of this letter, will be viewed as a violation of the FDCPA. It is
crucial that you take this notice seriously, as I am fully prepared to
exercise my rights under the law. Failure to respect this cease-anddesist notice will leave me no choice but to pursue legal action
against your company. Please understand that in any ensuing legal
proceedings, I will seek all available remedies and potentially claim
damages allowed. XXXX XXXX and XXXX XXXX has violated the Billing Error and Practice Act in pursuant to 15 USC 1666. They never gave me the right to opt-out and are not reporting accurately. I want these accounts updated to paid as agreed and never late.