23daVinci/CFPB_Complaints huggingface dataset:
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.

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: Payday loan, title loan, or personal loan

I applied for a loan with this company and was approved, but didnt expect to keep paying {$280.00} every two weeks forever 10 to 15 weeks now for a very small loan. I tried to cancel but it was to late. I am a very hard working person who had a medical bill that had to be paid. This company is ripping hard working people off. Please help.
Product: Debt collection

My identity was stolen and I've attempted to contact 1st Franklin Financial about the problem and they've attempted to send me a validation but never sent me the agreement I requested. I attached a letter of my conditional acceptance that they completely disregarded.
Product: Mortgage

XX/XX/XXXX, I experienced a hardship of unexpectedly being fired from my job. I started my new/current job in XXXX but we were still trying to catch up on bills that has fallen bhind due to hardship. In XXXX, I started to explore my options as we were struggling to make all of our monthly payments. In XXXX, my forbearance plan was approved and a payment was not due until XXXX. Also, during these 3 months my account would not be sent to collections. At the end of XXXX of XXXX, I called to follow up on this and they stated either {$3200.00} ( 3 monthly payments ) were due in lumpsome or I would have to file another plan to have these payments attached on at the end of the loan. I submitted this and was told it would take up to 30 days to get an approval or denial. In the mean time, I expressed to the company that I would like to pay my XXXX payment and they told me that they could not accept a payment unless it was {$4200.00} ( 4 monthly payments ). Since I was trying to pay my XXXX payment and they would not allow for it, my account has now been sent to collections and put against my credit, although I have tried and tried to make a payment. So I will not be " allowed '' to make another payment until XX/XX/XXXXXXXX  meaning I will tehnically be behind 5 months vs the original and planned 3 months. 

With all of this being said, I filed for this forbearance to help me and my family through the hardship but it has turned into everything besides assistance. At this rate, I feel like I would have been better off not applying for the forbearance plan and just paid what I could when I could.
Product: Credit card

so I went to there arbration process through there arbitrator and I signed the papers and they signed the papers to keep my account open. then this month they broke the terms of the agreement and closed my account for no reason I had to talk to 3 different managers to get my account back open and I altered the arbitration lawyer they broke the rules and closed my account and no one in there company would tell me why I wanted them to hold accountable who ever closed my account this was illegal and went beyond the terms of our agreement. Also they turned off my cash limit and no one in the company will give me a straight answer as to why and what is going on. I am very very upset and I want my cash limit back on and we need to make sure they do not close my account in the future when they had a legal agreement to keep it on. This is not acceptable whatsoever and then need to hold that person accountable for turning my account off.
Product: Mortgage

Please see attached document entitled XXXX Complaint against JP Morgan Chase. Chase is attempting to sabotage my defense plans to protect my home from foreclosure sale.
Product: Credit reporting or other personal consumer reports

Inquiries that are listed stems from identity theft and company refuses to delete the fraudulent activity from my credit report
Product: Credit card

Arhaus had a promotional deal with Commenity bank to offer 6-months interest free if paid in full. 
We bought furniture in XXXX ( furniture was delivered in XXXX ). I did not receive a bill from Commenity bank so I called Arhaus which directed me to an online portal to login. I was able to login but not able to pay the bill. The system said it was unable to process any payments beside {$99.00} or paid in full. I called Commenity and talked to a representative there who told me that the system was delayed in getting me setup. Therefore I could pay the {$99.00} to avoid any interest paymetns and after that continue with the payments. I asked if the promotional 6 months began then and I would need to pay off the credit card before XXXX, he confirmed. 
I setup automatic payments to Commenity bank for $ XXXXmonthly to pay off the balance in 6 months ( {$9800.00} total ). 

The part that I'm upset about is we were charged $ {$1400.00} on XX/XX/year> Interest Charge on Purchases. 
Yet the info I was told and the online system was not even setup to receive proper payments for 2 months of the promotional period. 

I feel like we were mislead in order to get charged extra interest.
Product: Student loan

Re-certified for the second year of PSLF. Received update stating only two months of the 12 months qualified. I called FedLoan on XX/XX/20 and spoke with a representative who told me the previous representative was incorrect and a reConsideration into my case will not happen
Product: Checking or savings account

Chase Bank REFUSES to use my cell phone to send a One Time Passcode ( OTP ) to my cell phone, STRICTLY because my cell phone is under the same account as my WHOLLY OWNED SMALL BUSINESS, WOMAN OWNED entity. They say they can ONLY text me if I own my own phone and it is in my own name. This is pure discrimination against women, small business owners, and minorities. The agent specifically told me, I had to have a phone listed under my social security number in order for Chase to use my cell phone. 

However, my ADDRESS listed with Chase IS MY BUSINESS ADDRESS! The address with my XXXX Business Account IS MY BUSINESS ADDRESS! So, that matches! Chase is not saying, I need to have my own address. My email contains the name of my company. Literally, everything SCREAMS my company name, and they are ok with it, except my cellphone. XXXX.
Product: Checking or savings account

XX/XX/XXXX Chase bank account froze my account the reason is not making any sense someone else called my bank and said fraud and how can somebody speak on my account so they froze my account from what happened XX/XX/XXXX and today is XX/XX/XXXX if they was gone freeze why not freeze it before I get my taxes not wait till I get my taxes and freeze my account and this same problem happened every year they freeze my account for some reason they can find and I dont agree that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in a dispute letter to Experian. On XX/XX/2020. They sent me an automatic letter back saying my account has been updated .In the dispute letter I informed them that the account clearly hasn't been verified because I never had a 1 month agreement / term or lease with XXXX XXXX XXXX Especially if it was a charged off account and / or collections how can you have an agreement with a collector for 1 month? I then indicate that it is wrong and it hasn't be properly verified. They again sent me something back stating the information has been updated and I should see it now on my credit report. I clearly indicated with a screen shot of my report it is not correct. They did not UPDATE my credit file they only updated the " Status Update " Date.

Please see all attached. 

According to the FCRA if this information is reported inaccurately I have the right to dispute and it should be removed from my file and that is not what is being done here. I dispute and they indicate it is updated. This is causing me not to obtain credit and it is frustrating I have to continue to explain my self after doing so. 

I've attached : DL SSN Card Payroll statement Letters sent directly to the bureau
Product: Debt collection

XXXX responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate fraudulent unauthorized inquiries after several disputes. The last dispute was XX/XX/XXXX  and today is XXXX and no investigation. 

I request these fraudulent unauthorized inquiries and I request to delete them ASAP. Yes I have tried to contact the creditor and they dont have any record I signed a contract with them as required by FCRA. 

The unauthorized inquiries are : XXXX XXXX ON XX/XX/XXXX  XXXX XXXX XXXX on XX/XX/XXXX  XXXX XXXX XXXX  : XX/XX/XXXX  XXXX  XXXX  ON XX/XX/XXXX  Global Lending Services on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the letter that I. wrote to the student loan bank. I called the bank and they do not have anything in their records but the reporting agencies still have the info. on their records. I have disputed through them and nothing has changed. 

XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX Dear Sir/Madam : I am writing to dispute a late payment that was placed on my credit report from XXXX. I recently started 2 new jobs so I can make enough to endure inflation, exuberant expenses while I pay off my debt acquired by the last 2 years of changes. Your debt is one I plan to pay off this year hopefully. My account was deferred during Covid as my income was reduced tremendously just like the rest of the world. I just started 2 new companies and onboarding 2 new companies is a living nightmare as both positions are full time and production based. My 1st position is as a loan officer, relies heavily on my score to maintain my license to work. If my score drops, I could lose my license and the ability to pay off my debt. The second position as a life insurance agent has a huge learning curve for me. If you send emails, I may have missed them as I get a lot of emails on my personal inbox and do not have the proper time to go through all of them as well as 2 other inboxes for each employment and they are all bombarded with emails. 

Furthermore, I did not receive proper notification that the account was out of forbearance or even late which I believe is in violation of the fair debt collection practices act. When I got notification on my credit reporting app that my score plummeted from XXXX to XXXX a XXXX point drop! I almost had a XXXX XXXX because of 3 late payments, I immediately checked and noticed it was your institution. I signed on to your site and noticed you still had old contact information which I have updated in the past and updated again this time around. I am not sure why it remains on your records. The reason for such a big drop is because my XXXX account shows 3 late payments but I only have one account with 3 loans. I have been working very hard to maintain a 100 % payment history throughout the whole covid. My scores were soaring in the XXXX by XXXX and dropped as I had to switch positions and use more of my credit during the transition, still my payment history was intact. Regardless of my life changes my score has never been this low ever since my divorce 10 years ago. 

I am requesting that the charge be removed as I have updated the account, paid all late fees and set it as automatic payments until I can pay it off. I can not afford to lose my license and my ability to pay my debt because of this mistake. Going back to one job will put me and my single parent household family in a bad position financially. I really appreciate your help with this matter and your time investigating your records and rectifying this reporting issue. I have included proof of how this is affecting my credit and the dispute form. Thank you for your assistance with this problem! 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

I'm contacting you about serious breaches of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by your agency. It's crucial we address and resolve these issues promptly to prevent further escalation. Inaccurate information on my credit report, omitted sources of information, and unauthorized sharing of my credit information are major concerns. Please halt all communication until your corporation provides specific information on resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been XXXX  months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Midland Credit Management for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of Midland Credit Management have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation. 

XXXX. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Midland Credit Management is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws. 

XXXX. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, Midland Credit Management has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations. 

XXXX. Utilization of False, Misleading, and Deceptive Means : Midland Credit Management has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices. 

XXXX. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Credit Management is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies. 

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by Midland Credit Management. Additionally, I request a thorough investigation into the practices of Midland Credit Management to prevent further harm to consumers. 

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed information on all three consumer agencies experian and XXXX continue to furnish improper and fraudulent trades while XXXX has taken the proper steps and as of XX/XX/year> have deleted these accounts and all derogatory information associated with the accounts. I asked the XXXX and Experian follow suit based on FCRA if information is deemed incomplete, improper or fraudulent and one of the consumer agencies has deleted information the other consumer agencies shall do such and block these accounts from any future reporting on my customer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the XXXX, XXXX, Transunion and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been identified on my credit report
Product: Credit reporting or other personal consumer reports

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called XXXXXXXX XXXX. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Product: Debt collection

Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.
Product: Mortgage

In XX/XX/XXXX, my realtor contacted me to share that I was eligible as a property owner in XXXX, MA for a residential tax exemption. I submitted my application on XX/XX/XXXX, and it was approved the following week. Once I received the documentation of the credit I contacted Citizens Bank and faxed it to them to reduce my payment due to the significant tax exemption. I never received acknowledgment from Citizens Bank of when and how the exemption would be applied to my payments, and even received a check from the city due to the large credit the first year. It wasn't until I received my annual Escrow Account Disclosure Statement dated XX/XX/XXXX, that I realized I may have been overpaying Citizens Bank due to it not crediting my approved residential tax exemption. The Escrow Account Disclosure states I have a shortage of {$560.00} for XX/XX/XXXX thru XX/XX/XXXX, as a result of the following breakdown : Property Insurance : {$1100.00} Real Estate Tax : {$3300.00} Mortgage Insurance : {$2900.00} Totaling : {$7400.00} My approved residential tax exemption for XX/XX/XXXX is the following : Real Estate Tax : {$3300.00} Preliminary Tax : {$1700.00} Preliminary Credit : {$1700.00} Third Quarter Tax : {$820.00} Fourth Quarter Tax : {$820.00} Totaling : {$1600.00} for real estate taxes Making the difference between $ XXXX {$1700.00}. Therefore, the estimated annual cost on the statement is wrong. It is not {$7400.00}, but {$5700.00}. I have suffered the shortage, not Citizens Bank and it should be corrected I question if Citizens Bank has been overpaying my real estate property taxes and refunded the overpayment and never adjusted my loan to take into account my approved residential tax exemption. If yes, Citizens Bank owes me the tax credits for XXXX, XXXX and XXXX. I estimate this amounts to {$5100.00}. Please see the attached supporting documents. 

Thank you, XXXX XXXX