23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX, XXXX ACCOUNT # XXXX 15 USC 1681 section 602 A - States that i have the right to privacy 15 USC 1681 section 604 A - It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 recorder of convictions of crimes which antedate the report by seven years.

15 USC 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 have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Checking or savings account

unable to link account to savings app XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX  i asked the company to block and remove the items and they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact and retained The XXXXXXXX XXXX, This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts. 


Accounts include : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquiry 's include : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a loan that TIAAXXXX XXXX was servicing and was sold to XXXX. 
Loan # XXXX I made payments to TIAA for XXXX, XXXX and XXXX of {$780.00} for which they did not forward all of them to XXXX. I have tried numerous times to resolve this with TIAA who says that they did not receive the payments and referred me to their " Payment Research '' department who has not been helpful and not provided me a direct dial number to resolve this situation, even after directly asking them. I have spoken with TIAA customer service about the issue and they have made notes on the account, but still no resolution. 
I have sent them documentation from my online bank portal and my bank has faxed them supporting documentation regarding my claim, but they will not provide me timely insight on the process or status updates. 
I am within 7 days of my grace period and this needs resolved ASAP. 

My bank has faxed other documentation directly to XXXX XXXX regarding this matter that I was not copied on so I am attaching the files that I have.
Product: Credit card or prepaid card

Account disclosures sent by Wells Fargo are misleading and deceptive and do not adequately describe how excess payments for 0 % promotions are applied. The disclosure states " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. However, the disclosure falls short in describing how excess payments will be applied when only 0 % APRs exist. I have three 0 % balance transfer balances with different expiration dates. When I send in excess minimum monthly payments, the payments are spread among the three balances although they don ; t have the same due date. One balance had an expiration date of XX/XX/19. I made a payment on XX/XX/19 in an amount sufficient to payoff the balance. Since the payment was spread between the three accounts, the expiring account started to accrue interest. This practice is deceptive since each loan was taken out at separate times and have different due dates. Each loan also required payment of a 4 % balance transfer fee. Excess payments should be applied based upon the loan expiration date, not spread to balances that may not mature for several months, up to one year.
Product: Checking or savings account

On XX/XX/year> I deposited 2 cashier checks into my Chase Checking account. Check # 1 in the amount of {$30000.00}. and check # 2 in the amount of {$4200.00}. As soon as they were deposited, they were put on hold. On XX/XX/year> the account was restricted and on XX/XX/year> the account was closed by Chase Bank. On XX/XX/year> I went into Chase Bank and spoke with the XXXX XXXX XXXX. I was told at this time the checks could not be verified and could be fraudulent. On XX/XX/year> I went into the Bank and spoke with XXXX who called and was transferred to the fraud and theft department. We both spoke to a gentleman by the name of XXXX who stated the account would be closed in 2 business days ( which was in progress ), my debit card was going to be canceled and they would send me 1 check for {$35000.00} in 10 business days through the mail with a letter stating how I can cash the check. XXXX refused to give me a confirmation number when I asked so he gave me an XXXX XXXX which is XXXX. I later learned that the check cleared. I've been to Chase Bank multiple times and XXXX the XXXX XXXX assists me. We called XXXX number. and they said I have to verify this person XXXX who sent me the checks. I have rented out my house and she has paid 1 year in advance. I've been told the tenant XXXX needs to make her phone public, so it is verifiable with her name. The only other option I have is for the tenant XXXX to go to XXXX XXXX and request the funds be recalled from Chase Bank into her XXXX  account. I've brought in my lease with the tenant, she has called XXXX and emailed her requesting to go into a Chase Branch to identify herself. I live in Florida and the house I am renting is in New Jersey. I've asked Chase to call or engage with XXXX XXXX. I have no recourse. I need help. I was told to have my tenant call her cell phone company and make her number public which she has. Also, I received a phone call from XXXX at Chase Bank from XXXX XXXX XXXX at XXXX who stated maybe I should have my tenant look at her Credit Karma and make sure it's not associated with another name. I have copies of the checks from Chase and XXXX proving the checks were cashed and Chase has the money which they are refusing to release to me. They have had this check for almost 2 months now. If there are any other documents you will need I will send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
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 Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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

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

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days 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, XXXX XXXX, XXXX 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: Checking or savings account

XX/XX/year> I entered Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. 
I spoke with a bank representative to get my deceased husband 's banking information so I can pay his bills, see who has direct withdrawal, etc. I brought a copy of the death certificate, his form naming me as beneficiary and my ID. 

The only thing they did was lock his accounts. I can't even see his balances on his ATM. 

This is about as cold hearted as a company can get. I can't even pay his bills.
Product: Credit reporting

XXXX pulled a credit inquiry on me and I did n't apply for credit. I called and spoke with a representative and they said someone used my name and last XXXX of my S.S. number with a different address to try to obtain credit, They said the credit would therefore be denied and the credit inquiry would be removed from my credit report. It has never been removed and that was XX/XX/XXXX. The credit reporting agency told me to call XXXX and I did as they said but they did n't remove the inquiry as their representative said they would. This credit inquiry occurred on XX/XX/XXXX so they have had plenty of time to remove it. It is now reported on all XXXX credit bureaus and this is very upsetting. I do n't know what else to do at this point. Please help!!
Product: Debt collection

We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction report?
Product: Mortgage

I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.
Product: Debt collection

They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
Product: Debt collection

I have sent a validation request and also requesting proof of the debt which I never received from this collection agency.I sent a certified letter on XX/XX/XXXX tracking number is attached in the files. Company never responded. 

on XX/XX/XXXX I sent a demand under FDCPA a letter advising LVNV was in violation for not complying to my first request sent on XX/XX/XXXX. This company still has not responded. Please see both letters attached with tracking numbers. LVNV is is violation with FDCPA, FCRA and also Texas debt collection practices. 



Second letter with tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I was looking at my Chase app on my phone and noticed that the purchases XXXX was different from the last time I checked. That rate had increased unexpectedly, and I know that that rate was also higher than what I had previously known. I looked through all of my emails from Chase and failed to find any kind of notice that my interest rate was changing. 

On XX/XX/2022, I reached out to Chase customer support to ask why the rate had increased without the XXXX advance notice and was told they could not explain why I never received it. They ensured that I was properly set up to receive all notices from Chase and they were unsure why I had not for this particular instance. 

I was transferred to a supervisor because I was asking to understand why this happened and if there was anything they could do to remedy the situation. The supervisor then went on to explain that the XXXX is variable and tied to the prime rate, which according to them " changes daily, '' meaning Chase would never be able to give a XXXX advance notice, nor do they need to, and there was nothing they could do about it. When I asked the supervisor to expand on that, letting them know that I understood that the prime rate only changes if the Fed decides to when they meet every XXXX, they rephrased their statement from changing daily to changing from time-to-time. 

I explained to the supervisor that I had a good understanding of how rates work and that it is my right to receive a XXXX advance notice of any interest rate changes. I told them that I was not interested in being told misinformation and that I understand banks do whatever they can to make more money, but that Chase should have the digital infrastructure to keep up with these notices that they are required to issue. The supervisor was unhelpful and uncooperative with the situation ; all I was asking for was to understand why I didn't receive the notice I have a right to, and what can be done to remedy the situation. 

For reference, my interest rate at some point in 2022 was 23.99 % and has since been increased to 25.99 % and subsequently to 26.74 %. I utilize multiple Chase products and it seems like they will do anything to treat their customers unfairly and take advantage of the fact that people XXXX not notice these things and know that nothing will done to make this right.
Product: Debt collection

i did not even know what this debt collection was about, till i did a research it was a loan to a family member way back in around XXXX or XXXX, they asked me questions like who is my father or is his name so and so, why are they harrassing me for a loan back 13 or 14 years ago and its the first time i received this notice, seems like a very drastic greedy move to me
Product: Credit reporting, credit repair services, or other personal consumer reports

2 time 's on credit report, should be 1 time ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to login my credit report on Equifax with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on equifax
Product: Debt collection

XXXX I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.
Product: Money transfer, virtual currency, or money service

I need clarification regarding the recent restriction placed on my account for allegedly selling XXXX explicit materials and for holding my money for 180 days. I have provided all the necessary documents to prove that my business focuses on selling digital drawing guidelines. Additionally, I submitted a valid ID and my website information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX 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. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US. DEPT. OF EDUCATION 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
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.