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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Mortgage

Truist mortgage believes I'm only making partial payments and have missed payments. 

This has been on going since XXXX XXXX. They've sent me 3 letters telling me my loan has been sold only to receive notice after transfer date that it has not been sold. They are saying I've only made partial payments. I have not. I've paid bi-monthly.

I paid my mortgage every two weeks {$850.00} but the bank applied the first payment to mortgage and the second payment to principle. This began when SunTrust changed over to Truist. I've spend approx. 10 hrs on the phone and multiple times at the bank branch over multiple months trying to straighten this out. They began sending back my payments and giving me the balance I owe in full to make my acct. current.

However, this is not the amount I owe. It's significantly less but they are saying I've missed payments payments in XXXX. I haven't missed a payment and I've sent requested bank statements from XXXX  showing payment to them.

As of XXXX, I've stopped all payment to them and sent multiple emails and made multiple calls trying to reconcile my acct. I've requested a full forensic accounting of my acct. and to date that has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. 
In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. 
If you are unable to provide any of the above please delete all inquiries immediately
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you please review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Student loan

I have  XXXX   (   XXXX  ) student loans with Navient : ACCOUNT NUMBER  XXXX  Loan Group Number :  XXXX  for {$24000.00} Loan Group Number :  XXXX  for {$14000.00} Loan Group Number :  XXXX  for {$14000.00} My payemnts are not being applied to the principle amount. Numerous emails and conversations have going no where. even after agreeing Customer Service never calls back when promised to resolve. I need some help. I want to finalize the amount and pay off. I do n't miss payments but are starting believe I am being defrauded.     Please let me know how you an assist
Product: Debt collection

On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.
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 Number XXXX XXXXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that the item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the re-investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified from the file of the consumer. 
( iii ) According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter. In addition, I would like a confirmation receipt to keep me notified.
Product: Credit card

Made a payment to Goldman Sachs/ Apple Card for {$1700.00} and was informed my payment was being placed on a hold and would be released on XX/XX/01. When asked to show me the terms and conditions where it CLEARLY STATES my payment was subject to a seven business day hold. NO WHERE IN THEIR TERMS AND CONDITIONS DOES IT STATE ANY SPECIFIC TIME FRAME FOR A PAYMENT HOLD. Their terms and conditions state on page 13 : Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX, accessing XXXX & XXXX XXXX, online at XXXX, or by contacting us. This is extremely deceptive and misleading practice. No where does it state a SPECIFIC time frame for my funds to be subject to any type of hold. Not to mention their excuse was my payment amount was out of the normal and I JUST MADE A {$1000.00} PAYMENT ON FEBRUARY FIRST.
Product: Payday loan, title loan, or personal loan

We thought that we purchased a Honda XXXX on XX/XX/2019 at XXXX Honda in XXXX, Georgia. The financing in the amount of {$25000.00} was a college grad program through American Honda Finance Corp, with a monthly payment of {$400.00}. On XX/XX/19, we were asked to return to the dealership ( XXXX Honda  ) to pick up a covering for the trunk that allegedly had come in for the vehicle. When we arrived at the dealership, we were told that there was no trunk covering and that they just needed us to sign a new loan because American Honda Finance Corp had rejected the original loan. We refused to sign up for the new loan which had a different rate of interest and higher payment amount. Now we have the car and we do not have any license, tag or registration. We believe that it is fraud for the dealer and American Honda Finance Corp to send us home with the car on Saturday ( XX/XX/19 ), and then try to force us to accept new loan terms on Wednesday (XX/XX/19 ), and to be lured back to the dealership under false pretenses in their plot to perpetrate the fraud. 

We have contacted the dealership ( XXXX XXXX and XXXX XXXX, who have not provided any of the promised paperwork or responded to multiple emails ), American Honda Finance Corp ( they only handle payment issues ) and Honda Customer Service ( they only handle vehicle issues ).
Product: Credit reporting

So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint Regarding Collection Agency Violations Dear Sir/Madam, I am writing to file a formal complaint against MIDLAND CREDIT for federal consumer protection law violations . Specifically, I believe the collection agency has failed to comply with several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and regulations under the Consumer Financial Protection Bureau ( CFPB ).

Violation 1 : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I recently discovered that MIDLAND CREDIT has reported a collection account on my credit report without first validating the debt. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide me with sufficient information to verify the debt. However, I have not received any such validation from them. This lack of validation is a violation of my rights as a consumer. 
Violation 2 : Failure to Allow Dispute Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Furthermore, the collection agency has not provided me with an opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have not been informed of my right to dispute the accuracy or validity of the debt, which is a clear violation of my legal rights under this regulation. 
Violation XXXX : False, Misleading, and Deceptive Practices Additionally, I believe MIDLAND CREDIT has engaged in false, misleading, and deceptive practices, in violation of the FDCPA. By reporting an account without providing proper validation and failing to disclose my right to dispute the debt, they have misrepresented the nature of the debt and the associated risks to my credit. 
Violation 4 : Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Lastly, I am aware that the collection agency violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) as they have furnished this collection account to a consumer reporting agency without providing the disclosures required by law. The lack of required validation and notices has resulted in an improper reporting of this account, which should not have been placed in my credit report without proper compliance with the law. 

I am also requesting the purchase order agreement between MIDLAND CREDIT and the original creditor. 
Request for Resolution I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that MIDLAND CREDIT is held accountable for its violations. I also ask that they be directed to provide the required validation information, cease further collection activity until proper disclosures are made, and remove any inaccurate information from my credit report. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide some updates on the investigation. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX ________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
XXXX  has been non-compliant with removing the unverified account HEALTHCARE COLLECTIONS-I , LLC Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that HEALTHCARE COLLECTIONS-I , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

On XX/XX/19 I requested the credit bureaus to investigate the collection with Diversified Consultants #  XXXX. They stated that the debt was valid. Well I reached out to Diversified Consultants and  requested the proper validation to prove they can legally collect on the account and a contract with my signature ( Tracking # XXXX XXXX XXXX XXXX XXXX ). I only received a copy of a bill from them. This is not proper validation and I want this account removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Those account is huying my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Those are the items I am asking you to verify as accurate. 
XXXX XXXX Account number # XXXX XXXX XXXX XXXXXXXX Account number # XXXX XXXX. Account number # XXXX
Product: Debt collection

I sent a letter to Credit Collection Services on X/XX/17 to have this item removed from my credit report. I had XXXX XXXX which was requested by my doctor. I was billed {$85.00} by the XXXX. I called the XXXX  several times to have them resubmit the amount to my insurance company per the insurance company 's request. After thinking it was taking care of I learned of an open collection for this company on my report. Days later I receive a letter in the mail. I called the company on XX/XX/XXXX requesting a response to my letter and was told they do not respond to letters and could n't send me a response via email or to my home address. I was told I would need to go to their website and submit payment first before clearing anything up. I verified that this company is n't licensed to conduct business in the state of CT so why are the doing so?
Product: Credit card or prepaid card

Hello, I have a Citibank issued Best Buy Visa Card and for several YEARS, they have been charging me for a " credit protection '' service that comes up as " DEBT PROT XXXX '' that I did not authorize or agree to. The payments alone have been {$90.00} or so dollars a month. I noticed these charges last year in XXXX of 2021 and I asked them to unsubscribe me from this enrollment. They only did that for one month and resumed charging me around {$90.00} a month ( changing the amount monthly ). I called to dispute the charges but they keep telling me lies about my account. First they say my account isn't open, then they say they cant find it, then they accuse ME of fraud, then the woman on the line kept either hanging up or " transferring '' me to different departments where I would be disconnected. This is clearly a fraudulent scam on Best Buy and Citibank 's end and it needs to be resolved, not just for me but for ALL of their customers. 

XXXX.
Product: Checking or savings account

my checking account was close by us back in XX/XX/2024, but they didnt mail a check to me for my account balance, I call them 3 month, they reply nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report dated XX/XX/2017 from TMCC. I don't know who this is.
Product: Mortgage

I called my Mortgage Company trying to get help because I am out of work because of COVID19. 
They are saying they can give a frobearance for 3 months but at the end of 3 months the full amount is due. 
How do they expect unemployed people to come up with a large balance due at the end of 3 months? This is Not helping.
Product: Checking or savings account

On XXXX the XXXX someone got into my navy federal account and took 1,500 $ From my account and transferred it to theirs. I notified navy federal and try multiple times to get my money back and never did. I was also somehow negative at one time I dont know how and they took an extra 400 $ away from me Im just trying to get my money back if you could help please.
Product: Debt collection

Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Default date XX/XX/XXXX XXXX charged off XX/XX/XXXX Total Due XXXX XXXXXX/XX/XXXX This debt has been disputed for 15 + years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original acc.statements has been requested by me from Asset Acceptance Recovery services llc on XX/XX/XXXX by certified mail ( have all the proof ) and so with other previous debt collectors.Check all your files it is all in there, sofar all my complaints, disputes and request for complete validations have been ignored also all my complaints with the XXXX, CFPB nd FTC.The debt aint mine. 
Why is Midland Credit Management Inc.knowing all of this with no proof of any kind trying to collect in behalf of Asset Acceptance , LLC. with no proof of any kind ever provided and so did none of the others. Your all in violation of the fair debt collection act. the fair credit act. and defamation of charather.I demand a immediate respond to my complaint knowing all of this i will also consult my legal counsil for suit.I will also file another complaint with the FTC, XXXX and the Attorney General ' s office .A COMPLETE FRAUD.
Product: Debt collection

Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.
Product: Credit reporting or other personal consumer reports

Company abused consumer report to deny XXXX based on information from 2019 & used information from XXXX such as " employment history '' " phone numbers '' & simply did not refund {$1300.00} to deny wrongdoing occurred via their " savings '' account product
Product: Debt collection

On Sunday XX/XX/XXXX at XXXX XXXX commenity bank called in regards to my credit card accounts. I did not answer as I was asleep they then called again at XXXX XXXX, 2 minutes after they had just called. I answered and gave the phone to my husband as I have repeatedly told them I am unemployed and job searching and have been in contact with them with updates on the situation. He then asked them not to call on Sundays as well as to not call anytime before XXXX XXXX the rest of the week. They said ok they will notate the account with the request. 
At XXXX XXXX on XX/XX/XXXX commenity bank called again. I answered and gave the phone to my husband again and he said we asked you not to call on Sundays you were supposed to notate that in the account this morning when you called the lady said she was sorry and my husband stated he would contact a lawyer and hung up.
Product: Mortgage

Hello, I have been uploading the information needed to have my mortgage reviewed for approval to move forward with my application which was granted a year ago for forbearance due to a lack of hours with my employer.