23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Update : On the Midland Credit Management website. Under " Our Consumer Bill of Rights '' Article XXXX : Hardship. This is Midland Credit Management own rules and regulations. " Article XXXX : Hardship XXXX XXXX XXXX Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify XXXX XXXX servicemembers and stop legal collections from those servicemembers. 

We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 

We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 

We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. 

We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 


Again, violating their own rules and regulations. 

" We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster ''. 

Well, this is completely false because we are still under a XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX Countermeasures all three cover each other. XXXX XXXX Licensed to kill, Liability shield from XXXX XXXX. What is XXXX? XXXX XXXX XXXX, because we are still under a PHE. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Job Loss, or Other Hardships '' I have lost my business in 2020. I take care of my XXXX grandmother. 

Debt Collection Practices in Connection With the Global XXXX Pandemic ( Regulation F ) Section XXXX prohibits certain debt collection practices by debt collectors related to the global XXXX pandemic. 

XXXX XXXX XXXX XXXX, my question is how Midland is allowed to take people to court when they aren't the original creditor which is XXXX. So, if what MCM claims I owe them is true then why didn't XXXX take me to court? So, all MCM is doing is buying from XXXX but have no clue if XXXX themselves have sold them fake debt. This isn't the first time this has happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed the following account Conserve ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with my valid signature contracting an agreement between myself and Conserve .I would like for this account to be removed immediately as it is affecting my privacy.
Product: Mortgage

I have been granted NJ property tax exemption in XXXX XXXX XXXX I have informed my current lender Mr. Cooper about the exemption and requested new escrow recalculation. I have submitted state exemption documentation. For the past 8 months Mr. Cooper continues charging me for property taxes even though I dont have to pay them. My county and town tax assessors have both reached out to the company with no resolve. I have called about 20 times without any resolution. As of today MR cooper has over charged me thousands of dollars and i have no one to reach out to.
Product: Credit card or prepaid card

My Chase XXXX XXXX credit card charged a late fee and interest because JP Morgan will not process electronic payments on Sunday. The credit card itself may not process payments on Sundays as well. 

My XX/XX/XXXX payment for this card was due on Sunday, XX/XX/XXXX.  I pay this Chase credit card electronically from my JP Morgan checking account. The payments are supposed to be credited the same day, although they usually are not. 

However, JP Morgan bank will not allow me to make an electronic payment on a Sunday. It may be that neither would Chases XXXX XXXX credit card process an electronic payment on a Sunday. For these reasons, due to JP Morgans refusal to make electronic payments from its checking accounts on Sunday, and especially if the credit card itself will not process a payment on the day it is due, Chase credit cards should be forbidden from charging late fees and interest fees for any payments due on a day that its banking division will not make a payment, and/or the credit card divisions themselves will not process a payment. 

This is a recurring problem with JP Morgan and Chase credit cards that I have filed CFPB/BCFP complaints about before. Yet it continues to happen. Chase credit card continues to levy unreasonable fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this dispute because I have failed to receive any results on my initial dispute on regards of the incorrect fraudulent accounts reposting on my credit report. it is very misleading and stressful because they are taking a disadvantage of me and my consumer rights.
Product: Vehicle loan or lease

Sometime around XXXX, I called XXXX to inquire about help on payments regarding change/loss of jobs due to COVID-19 and/or what I should do if I can no longer afford the payments. I was able to defer payments with no late fee or any delinquent payments for up to 10days- I was informed that after the 10days was up they will no longer be able to prevent the deferment from affecting my credit and that I would need to pay {$590.00} by XX/XX/XXXX to ensure I am not considered " late '' on payments.

XX/XX/XXXX- I spoke with XXXX from Chase ( bank in charge of the lease ) regarding further options and was told that my lease agreement is set and I will be unable to negotiate a lower payment plan or change the lease agreement in any way during the duration of the lease contract. My only other option is a voluntary repossession which will in turn negatively impact my credit score and my ability to find a place to live. 

I am a XXXX XXXX  who works part-time at a XXXX job who came to the XXXX XXXX  to only look at my potential options and what is a feasible option for a XXXXyr old living on her own and paying rent at the time. I now realize ( after speaking with older adults who have car buying experience ) how extremely reckless it was to get into a lease agreement such as this with no prior knowledge of how buying/leasing a car works, let alone my income should have been a red flag as to my lack of funds to pay for a car as expensive as this one, and tacking on negative equity which I also felt was not explained to me and I had no knowledge on when agreeing to this lease. The dealership should take responsibility and know well enough that a girl my age, in college, with a part-time job most certainly CAN NOT afford a XXXX car with this ridiculous monthly bill on top of my $ XXXXmonth rent which left me with no choice but to end my housing lease and not resign and live at a friends house or else I would be essentially homeless. I put a XXXX down payment yet my monthly bill is {$590.00}. I am jeopardizing my education to work as much as I can to pay this bill that I should not have been coaxed into getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Product: Money transfer, virtual currency, or money service

I am reporting that my XX/XX/2021 " Pay Friends  '' transfer was transferred to an individual that uses her phone number fraudulently. I intended to send XXXX XXXX a transfer of {$100.00} on XX/XX/2021. When I selected her number from my contacts list, the name said XXXX XXXX. After the transfer, it changed to XXXX XXXX. I do not know this individual and I need my money sent back to me and taken away from that individual. 

The banking institution, Chime, denied my claim stating that no error was made and refuses to do anything about it.
Product: Debt collection

As my consumer rights as a citizen I'm requesting a debt validation from LVNV Funding, and a Method of Verification from the credit reporting agencies known as XXXX  and XXXX to show just cause of why they continue to report an account deemed to be fraudulent. Who / title of the person inwhom your company 's representative talked to and what form of communication was used. I'm demanding that the account LVNV Funding inwhom I have no contract with be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Acct # XXXX Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy. 

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) further states that a consumer reporting agency can not furnish an account without my written instructions. 

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan improperly or for unauthorized purposes.
Product: Debt collection

This company is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I hereby formally request the expeditious removal of inaccurate and unauthorized information linked to identity theft from my credit report, in accordance with the Federal Trade Commission 's identity theft laws, which mandate removal within a four-day timeframe. Additionally, I request the prompt updating of my personal information. 

Account : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please removed these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Bank and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX.
Product: Mortgage

ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following item from my credit report as the item is fraudulent and a result of identity theft. The item listed below was not initiated by me at any given point and is NOT MINE so please delete the following item off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT that this item be removed off my credit report effective immediately as the item listed below is inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/XXXX Account Balance : XXXXXXXX XXXX Unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.
Product: Checking or savings account

I have tried to dispute 3 charges for a cruise which was canceled by XXXX XXXX per my deposit agreement.1st USAA claimed that VISA was prohibiting them from completing the dispute and that I  needed to allow XXXX " reasonable '' time to process refunds.I allowed this time to pass. However, I did not receive my refund and requested USAA to reopen my original dispute. USAA is doing everything in their power to avoid assisting me with this matter! Asking me to wait for call backs which take over 24 hours and if you miss the call it takes another 24 hours .... I have submitted along list of documents to USAA to support my claim including a copy of my cruise contract, proof that it was canceled and copy of the documents that XXXX sent me confirming that I would get a refund in 45 days. At this point I feel as thought USAA is in direct volition of our deposit agreement as they they have only opened one of the 3 disputes for the smallest charge. continued refusal to assist with this matter will only continue finical harm.
Product: Credit reporting or other personal consumer reports

TransUnion is continuing to report an account on my credit report that is due to identity theft and fraud. The bank has investigated and confirmed that it is fraudulent and the account doesn't ' belong to me. It should be removed. This is for the XXXX XXXX XXXXXXXX XXXX account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed many accounts and other items that dont relate to anything I have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.