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

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX 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 MONTHS REPORTING LATE 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. 

This company 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 or other personal consumer reports

three consecutive month I sent validation letters notifying of error on my credit report. All items came back validated. I never received the method of validation. I also file a case with identytheft.org due to being involved in several data breached and many of my accounts being compromised. on XXXX and XX/XX/year>. I received several letters stating that I could send disputes through the site. which I had done previously and item still remained.
Product: Credit reporting or other personal consumer reports

Reached out to company to fix problems with report that's inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

XX/XX/XXXXXXXX XXXX provided service XX/XX/XXXX and generated a {$2100.00} and {$280.00} charge but did not submit the claims to my medical insurance in a timely fashion and in XXXX it was first resolved that there was no patient liability. I have disputed the claim on my credit report twice now and have had it removed but they continue to harass me with the same report to credit agencies and affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's automated phone system froze my credit report when I was only trying to find out whether it had a freeze. The system said that a PIN number would be mailed to me and, with that, I would be able to remove the freeze. I received the promised letter and provided the PIN to Experian 's phone system, which accepted it and my request to remove the freeze and said that the freeze was now removed. But then it said that it would not honor my request until I mailed to Experian a massive amount of personal documentation. The only way to remove a freeze seems to be to buy " protection '' from Experian. They are an illegal protection racket.
Product: Checking or savings account

I have not received my paycheck. When calling Capital One Bank Customer Service they advised they are having issues with deposits. They never sent out a email or provided a call stating they was having issues. It is now day 2 and i still have not received my check. I also went online to see if i can find out any information and come to find out they have been having issues for the past 4 days and never sent out any type of notice I have bills that are due. i am not a XXXX percenter I live check to check which is not even enough to survive. This delay is causing too may problems and the fact they never had courtesy enough to send out a simple email
Product: Credit reporting, credit repair services, or other personal consumer reports

my son attended XXXX XXXX college in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the Credit Adjustment collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.
Product: Mortgage

HMDA Violation My mortgage was transferred or sold to a privately owned Debt Collector. The Terms, Escrow Payments, Interest Rate, Forced Placed Homeowner 's Insurance where all transferred without my knowledge. The Original Mortgage Note was stamped, appears altered and fraudulent. My Original Mortgage was FHA and was somehow converted to A Conventional Mortgage without my consent or my signature. I don't have a Mortgage Loan Servicer, Just A debt Collector that takes my mortgage payment. This Debt collector doesn't have a functional website for homeowners to view payment History, Escrow, File Damage Claims, View Status of Homeowners Insurance Policy etc. They provide the Homeowner with nothing, merely a " Debt collector ''. Who is responsible for servicing this mortgage?
Product: Vehicle loan or lease

I was denied an extension of credit and discriminated by WESTLAKE FINANCIAL SERVICES ON XX/XX/2021 when I was denied an extension of credit when I attempted to obtain a vehicle for my personal household and family use.
Product: Mortgage

I requested a loan modification in XX/XX/XXXX, but they didnt respond to my request until XX/XX/XXXX, indicating that the documents had been lost and that I needed to resubmit them. The documents were resubmitted in XX/XX/XXXX, and in XX/XX/XXXX, they sent a modification changing the terms from an interest rate of 4.62 % to 6.00 %, which increased the payment. Payments were being made until XX/XX/XXXX, when I encountered financial difficulties and requested a payment modification. In the account statement sent for the modification, they applied foreclosure costs and attorney fees, which I understand to be illegal and abusive actions against the client, as the account was only two months overdue when the modification was requested. There were no foreclosure proceedings initiated, yet they are charging illegal fees. The property is currently for sale, and I asked the lender to grant me time for the sale so I can settle the outstanding debt. According to federal laws ( RESPA ), the lender is in violation of the clauses that protect the borrower. The loan originated with Loan Depot and was sold to SNC, a collection company that does not act in good faith with the borrower and lacks knowledge of legal processes. My interest is in protecting my only secure home, as I am XXXX XXXX XXXX, and this is my safe place. SNC 's constant abusive practices have affected my mental health, and given my age, it would be unfair to face a foreclosure process on my property due to illegal and abusive practices.
Product: Mortgage

On XXXX XXXX XXXX I sent United Wholesale Mortgage my updated county tax statement because I am over accruing with them on taxes. They never responded. I called them on XXXX  to discuss further and they had me submit a request through their website, which I did. They never responded with a solution so I followed up on XX/XX/XXXX. They finally responded that the request would be completed by XXXX They never completed the request or responded. I followed up on XXXX  and they never responded. I followed up on XXXX  and they responded with a response of, we are opening a case. They are charging me {$2000.00} extra each month because they are not fixing my issue. I simply can not afford this but have no options because I need to pay my mortgage so my family of 5 does not get foreclosed on and I have no power to fix this.
Product: Checking or savings account

I tried to purchase insurance for my pet on XX/XX/2023. My payment was declined several times. I checked my account on the mobile app and everything looked fine. I called Chase customer service and they informed me my account is frozen and in the process of closing. They refused to give me any details as to why, they offered no help at all. I went to a chase branch and they informed me the same thing, they wouldn't even let me withdraw my money at all. I then called chase customer service one more time and got no where again. She also refused to provide any details as to why my account was frozen and in the process of closing and why I had no access to my funds.
Product: Debt collection

XXXX   XXXX   XXXX   is trying to get me to pay  XXXX  for an account I had with a credit card company  XXXX   XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.
Product: Debt collection

Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX I was called by Chase Bank that someone had opened a buisness credit card under my name. I told them that I haven't opened a credit card in years. They closed the credit card and told me to contact the credit bureaus and put a fraud alert on my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance : {$1800.00} XXXX XXXX**** Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance {$270.00}
Product: Vehicle loan or lease

I had to get me a car because I was need of transportation like anyone else with a job! I had about {$400.00} left to my name & went to XXXX XXXX because I could do a low down payment! After test driving multiple cars without a/c & a high mileage, I found one that had a/c & was around XXXX XXXX miles. I read through the paperwork & signed. A couple weeks/ months later I go to make an extra payment on my account, so I could start paying on the principal no problem! Mid way through my payments, I had to call & be told that my payments are now going toward only the interest because my early payments caught up. Maybe XXXX XXXX but I need someone to explain how thats possible. Ive made little payments here & there, and have even made an actual auto payment early, somehow that all caught up to me. I went to check my account this month & my loan hasnt moved anywhere so it seems like that little payments didnt help at all. I cant help but to think Im being scammed or taken advantage of! ( I know getting any loan is a guaranteed scam, but the communication during the whole process is XXXX awful & confusing )
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX is reporting a late payment and shouldnt be according to 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. 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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX  XXXX XXXX XX/XX/XXXX. I have contacted XXXX XXXX  XXXX  by phone, and they told me to dispute this with all XXXX credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Product: Checking or savings account

Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. 

In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. 

Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied and obtained a loan from XXXX XXXX XXXX XXXX, loan was never repaid, my name and social security number was used with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I have never lived in XXXX XXXXXXXX nor have been a member of any union. This loan was obtained under fraudulent pretense. Therefore XXXX XXXX reported me to Chex Systems on XX/XX/2021, my legitimate address at that time was and still is XXXX XXXX XXXX, XXXX, XXXX XXXX, and prior to that it was XXXX XXXX XXXX XXXX, XXXX. XXXX for about 10 years. 
I need guidance on how to proceed to have to have this negative report cleaned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing my credit file with Experian all the incorrect information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Has refused to send me documentation used to " verify/validate '' the debt that I have several times I have requested. Experian on numerous occasions sends me computer generated responses and does not look into the full extent of my dispute reasoning. Experian says taht I need to provide additional relevant information and information that was not presented when previously disputed. Well if Experian would actaully read the disputes and notice that I am asking for documentation and information that was used in the alleged " verification process/validation process ''. If they would answer that response than my letters would stop but since they have not answered them than I have every right to dispute and send letters. Experian has an obligation to fulfill the requests that the consumer asks for.
Product: Debt collection

Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.
Product: Checking or savings account

On XX/XX/2018 ; I made a cash deposit at a BMO Harris Bank Branch ATM to ensure an NSF fee would not be assessed on an ACH debit. The deposit was made at approximately XXXX and according to the receipt the cash deposit was readily available. Despite the cash deposit being posted, my ACH was returned and I was charged a {$36.00} NSF fee by BMO Harris. 

On Friday, XX/XX/2018 at approximately XXXX ; I contacted BMO Harris Bank about the NSF fee and was told that the cash deposit needed to be made by XXXX Central DST or XXXX PDST. I live in XXXX, Arizona which is currently on Pacific Daylight Time and I was told that because the deposit wasn't done by XXXX Pacific the fee was valid.