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

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, XXXX and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, and XXXX always show my credit history as having missed payments. I called XXXX and they said as it was only a one time {$30.00} missed payment they would forgive it. It never disappeared from my records. 

Also ; when I spend money my revolving balances go up and remain high even after I pay them. They are quick to lower my credit score and raise my total debt balance, but when I pay off debt credit never goes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured XXXX XXXX access to the XXXX XXXX XXXX XXXX. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Debt collection

Wakefield & Associates served me papers with an email to respond to for collection of medical bills. i responded letting them know that I was affected by a federal disaster during covid. Colorado had issues with unemployment and I was one of the thousands affected. My XXXX was shut down by the state for 4 months, I still am waiting on my unemployment that has been approved but due to technical issues with the state can not be paid out yet. I lost my home and moved in with relatives. I recently went back to work full time a month ago. They are saying they never received my response and I have email proof and are trying to garnish 20 % of my paycheck when Colorado passed a bill HB19-1089 exemption from garnishment medical debt : if a persons income does not exceed 400 % of poverty guidelines they are not allowed to garnish. Bill became effiective XX/XX/XXXX. Here is the Bill : XXXX XXXX XXXXXXXX I only made XXXX as a XXXX and that varies bc I am commision. 
The XXXX Federal Poverty Level in colorado for an individual is {$16000.00} in yearly income. 

Federal poverty level calculator off of my last check of {$1600.00} shows me at 323.03 % XXXX XXXX XXXX 

I am definitely exempt from medical garnishment from all of this data. 

If they garnish 20 % I will not have my rent and I just went back to work full time after covid federal disaster.
Product: Mortgage

I applied for a FHA mortgage loan on XX/XX/XXXX with First Mortgage ( First Bank mortgage division in XXXX XXXX ). The sale was first supposed to be a shortfall but that fell through ( I was not informed of this by the bank ). In XXXX close to the closing date I called the closing XXXX to ask about my case. That person told me that she was on vacation and what was she supposed to do. The bank contacted me to close on XXXX XXXX  XX/XX/XXXX. We even scheduled the closing for XXXX pm. After that call, like XXXX minutes after, the bank called stating that there were some documents missing for the closing. Documents that bank had in their records since XXXX. Radio silence until XXXX when the realtor handling the sale on behalf of the sellers called me asking what was the status of the closing. I called the bank and was informed that since a lot of time had passed since XXXX the process expired and had to be started again. I lost money ( apartment appraisal ), time and even points in my credit report for nothing. I decided to continue ( start over ) the process, with a new closing date of XX/XX/XXXX. I paid for a new appraisal, again lost points on my credit report and as of today XX/XX/XXXX my loan is in process.
Product: Checking or savings account

PayPal froze my account over 6. months ago and told me they were holding my funds for 180 days in case of charge backs well it's been well over 180 days and they still refuse to release my funds from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting TransUnion and XXXX  several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX XXXX XXXX XXXX I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the XXXX XXXX XXXX directly, as instructed, and advised each time I call XXXX that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
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 : CAPITAL ONE Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX 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 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, credit repair services, or other personal consumer reports

Disputed debt with collection agency that I did not have an account with their client. Report indicates an account opened in XX/XX/2020. I have no such account in my name. They responded that their investigation, which unsure what they mean, is accurate. I have been living with my daughter for more than 2 years and she has cable contract in her name and its not this company
Product: Debt collection

MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$5400.00} Open balance Improper use of my credit report. 

In accordance with the fair credit reporting act, this creditor, MIDLAND CREDIT MANAGEMENT has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau XXXX XXXX and any other credit bureau
Product: Student loan

Why im paying {$90.00} which i doubled the repayment for the loan to pay it off and they only apply {$60.00}. a month to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 credit inquiries on my credit report that I did not authorized, these companies do not have permissible purpose from me. The inquiries are as follow, XXXX  - Inquiry Date ( XXXX ) XXXX XXXX XXXX - Inquiry Date ( XXXX ) XXXX Inquiry Date ( XXXX ) FACTUAL DATA - Inquiry Date ( XXXX ) XXXX XXXX - Inquiry Date ( XXXX ) Delete these inquiries immediately as there is no permissible purpose and by law there has to be permissible purpose in order for a creditor to run my credit. If the credit bureau claims that permissible purpose isnt required, then they are breaking the law and also not obeying the FCRA, I would like to see any documents that the credit bureau has or that it might get a hold of regarding these inquiries, that my signature is on, and that proves that these inquiries were authorized by my person.
Product: Credit reporting or other personal consumer reports

This is the second time with the XXXX XXXX XXXX account being disputed, and not being properly disputed. One the account was discharged as a 1099-c on my taxes and also the account is over 7 years old and not showing current and should be deleted off of my credit profile. How can something that is on taxes have the ability to show as unpaid and be paid at the same time? Please update by deleting this account immediately.
Product: Credit card or prepaid card

Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.
Product: Vehicle loan or lease

I am writing to express my concern regarding the misleading information and lack of transparency in my recent car loan refinance application from Autopay. 

I received a direct mail from them stating that my current monthly payment is {$800.00} and that they can offer me {$570.00}. Then, I logged on to their website and submitted the application on XX/XX/XXXX ( I was hard-pulled ). 

Misleading Loan Term Information ( XX/XX/XXXX ) : On XX/XX/XXXX, a customer service representative contacted me and offered refinance options. My current loan is for 48 months at an 8.49 % interest rate. However, I was informed that the rates they quoted were based on an 84-month payment term, which was not clearly stated in the direct mail offer. This lack of transparency feels intentionally misleading, as borrowers are encouraged to run a rate check without understanding the terms. 

Incorrect Monthly Payment Quote ( XX/XX/XXXX ) : On XX/XX/XXXX, another representative followed up with me regarding refinancing my loan. For a principal amount of {$29000.00}, an interest rate of 6.49 %, and a 48-month term, I was quoted a monthly payment of {$760.00}. However, based on standard loan calculations, the correct payment should be approximately {$710.00}. 

When I questioned the discrepancy, I was informed about a {$690.00} fee and a vehicle service contract, neither of which were ever mentioned in the initial discussions or in the direct mail offer. 

This lack of disclosure and misleading communication amounts to false advertising, as critical details regarding fees, loan terms, and payment calculations were omitted. 

I request that you address these concerns promptly, provide a clear explanation for the discrepancies, and ensure that future communications with customers are transparent and accurate. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts as well as the inquires listed I had nothing to do with
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX Bank has violated my rights by reporting payments in XXXX 2020 as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX Bank continued to report my payments as late which is a violation of the CARES act.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Mortgage

This mortgage servicer, Gregory Funding, is benefiting financially from delaying processes while Im doing everything I can to try and save my home. I am being victimized by this mortgage servicer resulting in multiple years of investment of time in trying to fight back, not to mention the emotional trauma Ive suffered worrying about having a place to live. They need to be held accountable for what they have done to me, and I would imagine there are others that have similar stories. I've included a very detailed letter consisting of a timeline of events in which this servicer has failed to respond to me in a timely fashion resulting in ballooning fees and a past-due balance significantly higher than when I attempted to resolve this issue. Further, I'm now working with the State of Maryland HAF where I have an approved application to bring the mortgage current, and the servicer continues to delay in responding to requests so this application can be completed. Please review the attached letter and supporting documentation for a complete picture of this issue.
Product: Mortgage

In XX/XX/XXXX I requested time to extend the payments because of XXXX issues the renters were not making any payments since the government stated not to pay rent. Therefore, my renters stopped paying rent, which caused me to fall behind on my mortgage. I called US Bank to request a loan modification. At this point they informed me that I didn't have to pay my monthly payments until made arrangements with US Bank. In XX/XX/XXXX I attempted to make payments, however US Bank refused my payments and returned the payment along with a letter stating that until I finished a loan modification with them I would be able to make payments. I went to the US Bank on a monthly basis for XXXX year to make payments but they still refused my payments. I have sent XXXX applications for the loan modifications. In XX/XX/XXXX I received a letter stating that, " The account is brought current '', however on XXXX XXXX I received another letter stating they needed additional documents which I have submitted several times to no avail. I received another letter stating I needed to make a payment of {$3000.00} effective XXXX XX/XX/XXXX. I went to US Bank to set automatic payments but they still keep refusing my payments. All the inaccuracies on their behalf has caused the interest to increase a lot.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Put what you think would be a fair resolution to the issue My address Correct is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Synchrony Bank/Amazon opened this account without my knowledge or permission. I never applied for this card. Amazon began charging purchases on this card without my knowledge. Synchrony Bank reported that I'm delinquent and have hurt my credit. This has begun a snowball  effect and has caused difficulty with my bank and other creditors.
Product: Credit card

I applied for an American Express Credit Card on XX/XX/XXXX. It was initially denied due to a Freeze on my account with all three of the reporting credit agencies. I contacted AE and reported the freeze had been lifted. A generated letter stated they are denying my request for their CC due to agencies reported, XXXX in particular, I have Canceled too many bank cards recently! I called AE to speak to someone for clarification? I understand you have to meet certain conditions to obtain Credit Cards. I have never heard of a consumer being denied because I cancelled cards that did NOT serve my best interest? My credit score is excellent, my income isnt an issue, I am Never late, my credit history is 50+years old, No Bankruptcies either. I questioned them about why are they denying a borrower for cancelling credit cards? This is NOT the same as being cancelled by the bank for non payment etc. The Supervisor repeated the same reasons. I told him the terms on the cards were unacceptable, and I made a decision to close them. I find their decision unacceptable and indeed insulting. Is this a valid reason? 

Thank you for your time and consideration!
Product: Prepaid card

I was looking on my app to see if my funds had arrived. It said that it arrived, but it was only XXXX dollars. I said thats gon na be nonsense because Im supposed to be getting paid {$940.00} for my Social Security check. I informed the guy the customer service agent that my phone said it arrived, but it said it was XXXX dollars and I asked him could he check and see if The government or my pay paid me yet he stated no and he said he didnt see any new transactions and this comes from a bank account called XXXX XXXX  known as nerd Wallet
Product: Checking or savings account

Chime Financial closed my account abruptly and without warning. They now claim I will not be getting a refund for the XXXX in my account. Additionally, Chime transferred XXXX out of my savings account to checking without my permission. I requested information and Chime refused to provided it. I want my refund check for my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$1400.00}