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

This is not a verification dispute. 

USDOe/XXXX Account # XXXX is old and is reporting 15 years on my credit report. 

USDOE/XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. Navient have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOEXXXX Account XXXX.
Product: Mortgage

Problem 1 : I refinanced a loan with Mutual of Omaha on XX/XX/21 for {$270000.00}. Then I made 3 payments on the loan. 

{$2700.00} on XX/XX/21 Regular Mortgage Payment due XX/XX/21. ( {$870.00} Principal, {$600.00} Interest ) {$120.00} on XX/XX/21 Principal Curtailment {$750.00} on XX/XX/21 Principal Curtailment Principal Balance on the loan is {$270000.00}. Mutual of Omaha website shows the balance correctly.

But now Mutual of Omaha has transfered the loan to XXXX XXXX effective XX/XX/21 for a balance of {$270000.00}. Which is incorrect They have eaten up my curtailment payments shown above. That money ( {$870.00} ) is gone / disappeared! Want them to fix the principal balance. 

Problem 2 : I want a payoff quote from Mutual of Omaha. I called them and they refused to give me a payoff quote because they have transferred the loan. Even though their own letter states I can send them payments until XX/XX/21. And the loan transfers to the new servicer on XX/XX/21
Product: Debt collection

I received a notification from XXXX via email notifying me a new account was added to my credit file. After investigating I saw XXXX XXXX notified the credit reporting agencies I had a debt. And I did a skip trace and they couldn't find me. So I was never notified of the debt or given a chance to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being incorrectly reported to belonging to me XXXX {$220.00} Charge off XXXX {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Product: Checking or savings account

On XX/XX/2022 I filed a complaint against XXXX financial, and yet have had any response. 
Since filing complaint I have called 3 times with no call back, 1 response through email advising me that all communications should stay between Channel CFPB. At 1st I had no clue, now Im aware who that is. 
Its beginning the 2nd week of my account being froze. With NO exclamation. I deserve a reason of why, and now its beyond that. Now I want me money transferred and account closed. Ive called multiple times with no call back. I have missed 2 calls from a member of security and immediately called back. With no answer. All along playing phone tag. I have 5 different numbers and get very frustrated.

This company being a invest firm I am steadily loosing money and Im tired. What money is in my account from my XXXX, and a cashiers check from XXXX sister to XXXX others. Our portion of a sale. 
How long is this to last? 
Thank you XXXX XXXX
Product: Checking or savings account

Key Bank decided to implement a 'maintenance service fee ' of {$7.00} for an account with a {$6.00} balance in order to send the an auto-pay into negative account balance and charge an overdraft fee. 

When it was all said and done, Key Bank was able to turn a {$6.00} positive balance into a negative - {$76.00} one, with fees totaling {$82.00} which Key Bank decided to try and help themselves to.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this account or fraudulent inquiries to be reporting on my EXPERIAN XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

HAVE BEEN AN ACTIVE MEMBER OF TRANSUNION INTERACTIVE INC. FOR OVER A YEAR AND HAVE USED THE SERVICE TO MAKE FINANCIAL DECISIONS. INFORMATION GIVEN THROUGH THIS COMPANY IS INACCURATE AND COULD NOT GAIN RESOLUTION OVER THE PHONE. ASSOCIATES REFUSE TO ANSWER QUESTIONS REGARDING INFORMATION DISCREPANCIES. I HAVE MADE FINANCIAL DECISIONS BASED ON THE INFORMATION PROVIDED BY TRANSUNION INTERACTIVE INC WHICH HAVE FURTHERED HARMED MY CREDIT AS WELL AS CHARGED ME {$17.00} MONTHLY AS WELL AS ON SEVERAL OTHER OCCASIONS FOR MISINFORMATION. I HAVE MADE SEVERAL ATTEMPTS TO HAVE MY INFORMATION REFLECT ACCURATELY BUT WITH NO SUCCESS. I THEN REQUESTED A FULL REFUND BUT I WAS TRANSFERRED SEVERAL TIMES WITH OUT BEING GIVEN PROPER GUIDANCE OR SERVICE. THIS MATTER REMAINS UNSOLVED AS I CAN NOT SPEAK TO ANYONE THAT WILL HELP. I AM SEEKING A FULL REFUND OF ALL MONEYS PAYED I INTO TRANSUNION INTERACTIVE INC IN THE TOTAL AMOUNT OF {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is CRME representing XXXX XXXX XXXX XXXX CRME - XXXX XXXX XXXX Immediately upon learning the collection was on my credit report, I called and spoke to a CMRE representative who gave me the account background. This was a medical invoice generated when I went to XXXX XXXX XXXX XXXX XXXX for services. Apparently, one of the attending physicians or labs was a non-provider under my insurance company. I explained to the CRME representative that I had no knowledge of the invoice and that I had never received an invoice in the mail. Upon receiving the name of the physician/lab involved, I contacted them and was told that all information on my account had been turned over to CRME and that they couldn't work on my account. The medical facility confirmed that they received returned mail from my address. Neither of us were sure why. 

Upon speaking with CRME, they too confirmed that mail to me from them was returned undeliverable. Nonetheless, I was told that all they could do to help me was take a payment. So, I paid it once I confirmed it was my debt. The CMRE representative as sympatric to my issue and did offer to close the account for a reduced amount. 

It appeared that I have had no other recourse and was in a never-ending loop. 

In the interim, this collection remains of my credit report with all three bureaus and is driving down my credit score. My FICO score is very important in the decisions I make related to my credit and finances. I think its unfortunate that organizations can make decisions that can ruin your financial future based on not receiving the correct billing information from the primary medical provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, Transunion and XXXX. XXXX fixed the problem on my report, but Transunion and XXXX are not doing so. I have exhausted my remedies with XXXX, Transunion and XXXX. Please help.
Product: Mortgage

We received a letter dated XXXX XXXX, 2015 from the XXXX County Treasurer stating that our current taxes on parcel XXXX had not been paid. The letter stated that fees and penalties had been applied and if payment was not made by XXXX XXXX, 2015 our names would become public notice for delinquent tax payments and further sanctions would occur. We contacted Green Tree Servicing company which is handling is now servicing our mortgage on XXXX XXXX, 2015. We explained the letter and made mention that our XXXX statement reflected a notice that County Taxes were distributed XXXX XXXX, 2015. The customer service representative confirmed that distribution date and stated it would take TWO weeks for someone in the tax department to review and respond and that would be on XXXX XXXX. We followed up with XXXX subsequent phone calls on XXXX XXXX and XXXX XXXX, 2015. We were told today that there had been no resolution and it would now be escalated to a Supervisor and we can call back on Friday, XXXX XXXX for a status. This is not acceptable by any means!!!
Product: Mortgage

I can currently 5 payments behind XXXX XXXX, XXXX, XXXX, XXXX XXXX stated they send payment XXXX of every month but no payments are being applied to my account as I was awards XXXX payment assistance from XXXX program.my Loan was transferred from XXXX  to shellpoint mortgage XX/XX/2022 and I know it take 60 days for loan to update however that 60 day will be up in 3weeks and I have seen no progress with payments being posted please help me with this problem on my account. I also updated XXXX to send all payment to my new mortgage company shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;
Product: Checking or savings account

I had several transactions that I received money and paid money to the XXXX XXXX I opened a Claim with my bank, which is Chase, but they called me for two days during working hours with a scan number and I didn't answer, so they charged me again and closed the Claim. Since XX/XX/XXXX I've been contacting them every day to send proof that I didn't make the transaction, but I haven't heard back from them. So I created a XXXX  account where they said there is no transaction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The issue : When getting Equifax credit report from a XXXX  party, it shows : XXXX ) Incorrect previous address XXXX ) Missing multiple credit card accounts Equifax Credit report from my.equifax.com website is different than the one provided by XXXX  parties. 

When it happens : When requesting XXXX XXXX report from third parties Equifax is showing missing multiple credit accounts and incorrect previous address. 

Third parties used : XXXX, XXXX XXXX bureau report, XXXX, XXXX. 

All the XXXX  parties shows incorrect Equifax credit history, while XXXX and XXXX shows my credit report without any issue. 

Notes : Confirmed with XXXX  parties that they do not change any information, and the information is provided directly from its source which in this case is Equifax. 

Several months ago Equifax merged my information from my ITIN to my SSN, and ever since the merge I have been experiencing this issues with XXXX  parties showing incorrect Equifax credit report. ( missing accounts and incorrect previous address ) I believe there is an extra report, or incorrect information that is creating this issue when pulling Equifax credit report from a XXXX  party. 

I have called Equifax consumer affairs department and explain the issue I am facing, but they are unable to open a ticket or fix the issue, and claim that this is a XXXX  party issue, again I confirm with third parties that the information they provide comes directly from its source ( EQUIFAX ). 

I will be attaching copy of the report from different sources. Please note even though there are multiple credit cards, I am still missing some and I have confirmed this. 


XXXX shows : XXXX open accounts XXXX  parties shows : XXXX active accounts + incorrect previous address
Product: Credit reporting, credit repair services, or other personal consumer reports

As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports
Product: Credit card or prepaid card

On XX/XX/2020 Chase Bank closed all of my credit card accounts. They said that reason for the closing was due to increase in revolving credit card usage.
Product: Credit card or prepaid card

I have a PNC SmartAccess prepaid card. On XXXX XXXX I tried to load {$1100.00} on the card at the branch ATM. I deposited {$600.00} then i tried to load {$500.00} more. A screen popped up saying i was exceeding my daily limit but gave me the option to enter an amount. I put {$300.00}. It accepted the {$300.00} but kept {$200.00} and didnt credit my account nor did it give the money back from the ATM. I immediately tried pulling the {$300.00} out thinking that it would give back the whole {$500.00}. It didnt. I called the number on the back of the card and filed a dispute. After a few days I call to check. The lady said they were still working on it. After 2 days I went into the branch in XXXX ga. I spoke with XXXX XXXX. She called and they said they were still working on the dispute and I should see something in my account within 4 days. I waited and nothing was in my account. I go back to the bank and spoke with the branch manager XXXX XXXX. He called and spoke with XXXX about it and she said today was the XXXX business day. He told her as per my agreement as the cardholder i was due a provisional credit. They hung up. I go home and I get a call from XXXX and the voicemail Message said I didnt have any dispute filed yet. I go back to the bank the next day and XXXX ended up getting the run around and I didnt get my money back still.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 XXXX XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account Number : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681l, credit reporting agencies must provide a detailed description used to verify reporting within 15 days. I have already written and mailed certified letters to XXXX XXXX XXXX XXXX XXXX and have received no response as of yet. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update my credit report.
Product: Credit reporting or other personal consumer reports

I have an Apple Credit Card and Marcus GM Rewards credit card which are through Goldman Sachs Bank. 

This is a formal complaint against Goldman Sachs Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of XXXX. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Goldman Sachs Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Goldman Sachs Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute.

Violation of 15 USC 1681 : Additionally, I believe that Goldman Sachs Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system.

Violation of 12 CFR 1016.7 : Goldman Sachs Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation.

Violation of the Privacy Act of 1974 : The Privacy Act of XXXX  mandates the protection of personal information held by federal agencies. While Goldman Sachs Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles.

Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Goldman Sachs Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.