23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy federal allowed high fees to go through first causing my account to over draft
Product: Debt collection

At all times, the debt of {$260.00} is being claimed and handled by XXXX. Consequently, First Federal Credit Control , XXXX and XXXX furnished negative information about me regarding this disputed collection debt to XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay servicing respond to the complaint, and only resolved 1/2 of  the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on XXXX occasions ). This ongoing issue with Fay is  hurting our credit score and the ability to get a mortgage. Below is the email that I sent to Fay on XXXX occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make XXXX payments per month. Each payment is for {$1200.00}. We have been making these XXXX payments per month for over XXXX  years. Per your predecessor, XXXX XXXX XXXX, your company did not process the XXXX payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... XXXXThis is STILL NOT FIXED ... there should be zero late payments showing ... .This is crazy as they ( Fay ) have not fixed all of the issues. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/XXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Product: Debt collection

Sometime in 2016, I was involved in a vehicular accident. After about two days later, my XXXX  had a XXXX XXXX XXXX and my XXXX XXXX XXXX, my wife cautioned that I should get an XXXX  on my XXXX XXXX and XXXX. During this time, I was still going to work as usual. I had to research where would be a good medical institution to get XXXX, since most places would be closed when I get off from work. 

I looked up the cost for XXXX for XXXX XXXX XXXX at the XXXX XXXX hospital website : ( XXXX  - {$250.00} ) & XXXX ( {$350.00} ). After work I went to XXXX and explained to the Doctor on duty that I only have my car insurance and would like to know the cost before accepting any XXXX. She said that everything should be {$1.00}, XXXX and no more. I then agreed to sign the medical forms. I was given two XXXX, one to my XXXX and another to one of my XXXX. And was sent away after the Doctor said everything looks good. My car insurance at the time - XXXX XXXX, paid XXXX {$5000.00} which was the maximum medical payout on the car insurance. To my surprise, they sent me a bill for some XXXX XXXX XXXX  more to be paid. I wrote them a letter concerning all those made up charges on my bill. Now they have on my Credit Report that I owed some {$340.00}. I am disputing this as fraud since the bill had been paid by my car insurance.
Product: Vehicle loan or lease

I set up my car payment with Hyundai Motor Finance to be automatically deducted from my checking account each month on the payment due date ( XXXX of the month ). The monthly payment is {$430.00} and I authorized fixed payments of {$500.00} expecting the additional {$63.00} to be applied to principle. No where on the setup screen can I indicate additional principal and no where on the setup screens does Hyundai say how their system handles the additional funds. Nor is the payment waterfall disclosed on the monthly statement However, in the FAQ section on the mobile app. in the principal payment section, it states that payments under {$2500.00} would first be applied to past due fees and payments, then the current payment and excess will be applied to principal. On XX/XX/XXXX I realized that Hyundai did not deduct my monthly {$500.00} payment from my bank account so I logged to check the status only to find out that I have 0 payments due. I called Hyundai and was told that funds received above a payment but less than {$2500.00} would always be applied to future payments. When I stated that the website and mobile app are not clear and Hyundai should allow borrowers to specify excess to principle I was told Hyundai used to allow this but received a lot of complaints because old people didnt understand. Strike 1 - age discrimination. The agent said he could fix the first 7 payments that I made and would credit the additional funds to principle. I wanted written confirmation of the corrections and asked for a free and backdated phone payment to the due date because clearly this was a Hyundai error. The agent couldnt accommodate so I asked to speak to someone in the XXXX. When I told the new agent what occurred and the age related comment I was told the mobile app never allowed the customer to specify additional principle. I was also told that I wasnt entitled to a free or backdated phone payment and that it could take up to 2 weeks to correct my account. I was also told that I would have to call after each time I make a payment to ask that the additional funds paid be moved from future payments to principle. 

To date, 15 days after calling, I do not know if my account was ever corrected. I logged on to the website and the latest statement available was generated XXXX. There are no corrections on the XXXX statement and nothing dated after XXXX showing the corrections were made. 

Always crediting funds remitted above and beyond the monthly payment amount to future payments and not to principle ensures Hyundai will collect all of the interest over the life of the loan and doesnt allow the borrower to prepay without being penalized. And not disclosing the payment waterfall is shady.
Product: Debt collection

I receive collection calls throughout the day to my work cell phone number from an automated system representing themselves as " MAURY COBB ATTORNEY AT LAW LLC '' attempting to collect a debt. The automated message states my full name on the recording which is a HIPAA violation. A call back number of XXXX is given however when I attempt to call back it states the person at ext XXXX is not available and to leave a message. This is a business number and I need this to stop immediately.
Product: Debt collection

Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

AES has not furnished any proof that I executed a contract from the original lender. 

AES is not permitted to collect in NC and will not furnish its permit number as enforced by NC Law to do so on ALL written documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX **** XXXX XXXX **** I have sent 2 letters certified mail requesting to validate two accounts above ( XX/XX/20 & XX/XX/20 ). Experian sent the responses after two weeks of each letter sent and has not given me adequate proof of debt. XXXX  was not able to validate the debt and removed the account. How was Experian able to validate the account?
Product: Credit card or prepaid card

I have been a Citibank customer since XXXX. I had XXXX ThankYou Points expired on XX/XX/XXXX, because I changed the products of my credit cards from Citi XXXX to Citi XXXX XXXX two months ago, and all the points accumulated through my spending on these credit cards expired in 60 days. It had taken more than three years to accumulate these XXXX ThankYou Points. I understand the terms and conditions of the ThankYou rewards program which state the accumulated ThankYou Points will expire in 60 days if I close the related accounts or transfer them to other Citi cards that are not able to accumulate ThankYou Points. However, I never close my Citi accounts, but I just transferred the cards to Citi XXXX XXXX that is indeed able to get cash back and then transfer to ThankYou Points at a $ 0.01:1 ratio, which I thought should be in the ThankYou account family. Therefore, I was totally not aware that my ThankYou Points would expire after I made the product changes. I think the terms and conditions of the ThankYou rewards program is misleading and confusing. Furthermore, I never receive any reminder or notification from Citibank that my ThankYou Points would expire soon. Actually, I did receive an email from Citibank on XX/XX/XXXXXXXX  right before the expiry date ( attached for your information ), which told me I could redeem my ThankYou Points in many ways, but it mentioned nothing about the expiration soon in two days through the whole email. In conclusion, I am very angry about the expiration of my ThankYou Points accumulated in the past three years, with the misleading T & C and without any reminder from Citibank.
Product: Credit card

Credit card was used fraudulently at smoke shop ( XXXX  XXXX XXXX, XXXX NY ) on XX/XX/year> for {$810.00}. Issuer correctly flagged an additional transaction as fraud on same day but will not credit this transaction as fraud because they say the card was present. The card in my possession expires XX/XX/year> and was in my desk drawer at home at all times. 

I believe the card the bank sent with a future expiration date was stolen from the mail as I moved from my address in XXXX and this card was used in the transaction. The replacement card was never delivered to my forwarding address I do not smoke and have never shopped at a smoke shop. I also no longer live in the area the card was used and did not live there when the fraud took place.
Product: Credit reporting or other personal consumer reports

Pursuant 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and XXXX are consumer reporting agencies, and I'm the consumer and/or customer. As per 15 USC 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures.

Also, in conformity with the FCRA customers have the right to make sure their nonpublic personal information is not shared according to title 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are financial institutions according to that title and will be referred to as such hereinafter.

Title 15 USC 1681b ( a ) ( 2 ) states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. All forms of consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked.

Title 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX are nonaffiliated third parties. None of the financial institutions informed consumer the right or how to exercise my nondisclosure option before my nonpublic personal information was disclosed.

Furthermore, title 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The account ( s ) with these financial institutions are adverse items that they are reporting without my permission. 

Title 15 USC 1681s-2 ( A ) ( 1 ) A states 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 ''.

Consequently, 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out. Effective Immediately. 
See attached copies of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report with Equifax using annual XXXX XXXX and they denied me claiming they couldnt verify me when all information given was accurate. I did receive my reports from the other 2 bureaus! This is a violation of my rights Im under federal law.
Product: Vehicle loan or lease

accurate and complete reporting by credit bureaus. 15 U.S.C. 1681n : Liability for wi llful noncompliance, including damages and legal fees. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations. 15 U.S.C. 1692g ( b ) : Validation of debt required before further collection activities. 3. Internal Revenue Code ( IRC ) IRC 6050P : Requirement to issue 1099-C for debts discharged or forgiven. Supporting Documentation I have attached the following documents to support my dispute : 1. A copy of my credit report highlighting the disputed account. 2. Identification and proof of address ( utility bill ) for verification purposes. Compensation and Relief Requested Given the harm caused by the inaccurate and misleading reporting of this account, I am requesting : Compensation for damages under FCRA 1681n, including statutory damages, punitive damages, and reimbursement of legal fees if applicable. Immediate correction or removal of this account from my credit report. I urge the CFPB to take swift action to hold the creditor and collection agency accountable for their violations. I look forward to a resolution that restores the accuracy of my credit report and addresses the harm caused.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Subject : Request for Removal of Inaccurate Late Payment - XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an inaccurately reported late payment by XXXX XXXX  on my credit report. This reporting does not comply with federal guidelines under the Fair Credit Reporting Act ( FCRA ) and related regulations. 
Under 15 U.S.C. 1681a ( 2 ) ( xi ), creditors are obligated to ensure that all information reported to credit agencies is accurate and fair. Additionally, 15 U.S.C. 1666b mandates that billing statements must be sent at least 14 days prior to the payment due date, allowing sufficient time for payment processing.

Further, 12 CFR 1026.13 ( Regulation Z ) outlines billing error resolution procedures requiring prompt investigation and correction of reporting inaccuracies. 
Given the above legal requirements, I am requesting the immediate removal of this negative mark from my credit report. This action is necessary to ensure compliance with federal regulations and to prevent further harm to my credit profile. 
Please confirm in writing once the negative remark has been removed, in accordance with the timelines mandated by federal law. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX ( Account Number : XXXX ) ( Last Four Digits of SSN : XXXX ]
Product: Credit reporting or other personal consumer reports

The inquiry listed below is reported on my credit file and was found in my reports with Transunion 's credit reporting agency. This inquiry was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiry removed from my file. 
XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX XXXX XXXX  ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX