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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy.

Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law.

There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules.

One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore.

Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have received several calls from a phone number XXXX, XXXX Texas. They last called they claimed to be a debt collection company called Lake City Credit. They claimed I owed {$870.00} for a XXXX Account bill and were collecting the debt. I do have a XXXX Account that I have had since XXXX. After their last phone call at XXXX XXXX, XXXX XX/XX/XXXX, I contacted the XXXX Billing Dept. They confirmed that my account was paid up to date with no prior debt. That they had never sent a debt to collections in my name and had never heard of Lake City Credit or did business with them. XXXX told me to ignore/block their calls because it sounded like a phishing scam. What concerns me is that these people had knowledge of the last 4 digits to my social security number. I have never received any notification from this company in writing and only phone calls which I now consider harassment.
Product: Mortgage

Good day, my name is XXXX XXXX and I have been waiting to receive my XXXX account refund from Amerisave since the loan was paid off on XX/XX/XXXX. I have been told multiple times by Amerisave personnel that the check was mailed and I should continue to wait, only to be told in later phone calls that the check was not sent due to delays. After escalating it to a supervisor I was told they would expedite the check process and even send it ups next day air due to the delay and email me tracking info.After XXXX more weeks without any contact I called again only to be told there was no such record of my check being expedited and I should expect another XXXX days for processing. I emailed my loan originator and he had someone named XXXX XXXX email me saying she could look into it and assist. On XX/XX/XXXX she emailed me saying the check was being sent that day and I should expect it in the next day or XXXX. She provided a check number and amount. XXXX more weeks go by and I email her to check the status and she tells me to call the call center. I told her I was considering filing a complaint and she said she would try and get me an answer and then stopped responding to any emails. I called the call center again yesterday and was told the check still has not been sent and so one will get back to me. Its been a very long time waiting patiently for money that belongs to me and I feel like this company has been extremely dishonest with what Ive been told. If theyre doing it to me they are doing it to others. My loan number with Amerisave was XXXX The property address was XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The only thing I have received in the mail from XXXX is the tax form XXXX where they show an escrow refund on XX/XX/XXXX for {$4400.00} however by their own staff admission, the check has still not been mailed. Please help me get my money and find out why this company is misbehaving. Thank you, XXXX XXXX. 
Please advise this is an ongoing complaint, my prior complaint was closed based on the response from Amerisave because they provided a check number and tracking info showing a check had been delivered. This is just another example of the games they play. I contacted XXXX and was told the delivery address was once again the old property address rather than my mailed address. I am extremely frustrated and all of the delays they claim to have which has resulted in them keeping my money over these past months has caused financial stress in my home. I would like this matter resolved asap please. Some addl info : My prior complaint was XXXX The tracking info they provided in their response to the complaint was XXXX via ups. I started a claim with XXXX and spoke to them on the phone and they verified it was mailed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is the old property address. This is what they keep doing to me. 
The correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Please help me resolve this issue for my family. This company has owed me over {$4000.00} since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On Experian it shows that the high balance is XXXX, the date of last activity is all different .Its stating on Experian the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, Experian is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit card or prepaid card

On XX/XX/XXXX we paid off our Capital One Card in full. {$14000.00}. On XX/XX/XXXX we received an email that indicated we owed {$180.00}. My wife called today XX/XX/XXXX and spoke to XXXX and she said that was interest from time statement came out until day it was paid off. The Statement date was XX/XX/XXXX due on XX/XX/XXXX. The reference # for the call wasXX/XX/XXXX. Since my wife was not primary cardholder she was not able to assist so she recommend me, husband, to call back. I called back this evening, XX/XX/XXXX and spoke with XXXX, operator # XXXX. She was unwilling to refund interest due to automated system response. We have been Capital One Cardholders since XX/XX/XXXX and never missed a payment. We are disappointed and are asking for interest ( {$180.00} ) to be waived in full.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX late closed XXXX XXXX
Product: Credit card or prepaid card

This is a fraudulent account opened by someone who stole my identity. Therefore, I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Macys has been linked with multiple data breach where people personal information including payment details have been stolen https : XXXX https : XXXX I have previously contacted Macys to report this account as fraudulent and was told to file an identity theft report which I did and is include in this dispute. I have also included a NOTICE TO FURNISHERS and a copy of my previous and current drivers license to show that I have been continuously living in the XXXX XXXX XXXX since 2012. I have never received any paperwork, contract agreement, bills, goods or services at my address shown on my drivers license. 
I respectfully request that Macys provides me with the following : Signed contract or agreement showing my name and address ; Copy of my drivers license, social security or any other relevant information ; Any goods or services that was received ; Any bills or receipt that was sent to the address ; Proof that Macys attempted or contacted me regarding this account ( certified mail, letter, etc ... ) showing my address. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including this right : Any attempt to collect this debt without validating it violates the FDCPA. 
Until Macys provide concrete evidence requested above, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 convictio
ns of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX has sold debt to XXXX XXXX XXXX   for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. XXXX has not contacted me since. 
Amount attempted to collect was {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX
Product: Money transfer, virtual currency, or money service

Sigue started having issues with international banks and clients were sending money via their program. The money sent was being cancelled by the banks or sigue themselves. Costumers were demanding their money and it was reimbursed. Our balance was reflected as a negative {$2700.00}. Sigue did not issue a refund to our account. They owe us {$2700.00} dollars. When we spoke with multiple representatives who confirmed the amount owed and stated a check was mailed. The check was never received. No one responds on any of the phone numbers available. I had submitted a complaint back on XX/XX/XXXX. I did not have a chance to check on the response until today XX/XX/XXXX. Sigue responded with a letter asking us to reach out to them outside of the CFPB 's regulatory framework. When i reached out to the phone number provided, XXXX XXXX XXXX. XXXX answered and stated that he no longer works with the company. There are no other ways to reach out to them. We are a XXXX XXXX and would appreciate for this matter to be resolved immediately.
Product: Mortgage

I requested information on removing the PMI from my mortgage. A form was mailed to me describing the options to remove the PMI. One of those options was to have the house reappraised and if the new value of the home brings my XXXX below 80 % the PMI can be removed. I paid over {$500.00} to have the appraisal done. After the appraisal I received a letter that the request to remove PMI was denied because there was not " substantial upgrades '' done to the home. One of the stipulations was that if the loan is less than 2 years old there needs to be substantial upgrades. Before I agreed to have the house appraised I personally believed there were substantial upgrades and I listed them on the form. There was never a list describing exactly what substantial upgrades consisted of. So, even though the house appraised for a significantly higher value to bring the XXXX down below 80 %, the request was denied. 

I spent countless hours and spoke to countless people and explained to them that I didn't think it was fair because I didnt receive a list of what " substantial upgrades '' consisted of. If I had known what that list was I would never had agreed to spend money to have the house reappraised because I would basically be throwing money out of the window. 

This is what I really have a problem with ... After requesting all the signed forms I received two different forms from them. One is the form I signed requesting a reappraisal and nowhere does it state what substantial upgrades consisted of. An additional form was sent to me that mimics the one I signed but the only difference is it states exactly what substantial upgrades are. It looks to be a modified version of the one I signed. I feel that the company altered the document to reflect what substantial upgrades were and sent that to me. This form was not signed and I definitely did not receive it. I have a well kept file of all documents received from the bank. 

I have received customer service that is far below what I would have expected. I have spent hours on hold and spoken to multiple different associates who all seem to not have a grasp on exactly what is going on here. I feel that this company has taken advantage of me during a time that large companies should be looking for any way possible to help out a fellow citizen. This company has not budged at all or offered any resolution to my concern. I have been an outstanding customer and have made all of my payments in a timely manner.
Product: Vehicle loan or lease

I have tried to communicate this issue only to have BMW financial services yet they claim they do not believe I am the one sending the correspondence I have attached notice of billing error along with evidence stated in my notice
Product: Credit card

Capital One is bringing me to small claims court over an account I have no knowledge of. I have no account with Capital One and haven't for many years. It is not on my credit report and I would like them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing, Equifax removed a tax lien ( amount - {$570.00} ) from my credit report in XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received an alert that the tax lien had been added back to my credit report. I immediately disputed online same day. I then called Equifax right after disputing online. After having to repeat information several times to the representative, I was told by that rep that tax liens are supposed to stay on reports 7-10 years after they 've been released. I repeated several times that Equifax had indeed removed it and it should not have been added back, especially since I did not receive the required 5 day notice. She could not explain to me why it was added back, just that the liens can remain for 7-10 years. She also told me that I had to contact whoever reported the lien. I then reminded her that is not required. I did not do this when I disputed before - I contact Equifax directly and Equifax removed it. She also thought that when I said " You '' meaning Equifax, that I was saying that she personally had deleted it. Again, I had to explain to her that I was referring to the Equifax, not her individually. Lastly, she stated that since I had already disputed online I had to allow the 30 days for the investigation. My final statement was that if the lien was not removed I would be contacting them back and I would be filing complaints.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX