23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern : I have a Citi Double Cash MC and Diamond PReferred MC, and have been with Citicards since XXXX. I have always paid on time and have had my account set up on Autopayments with my XXXX XXXX account for years. Both accounts were set up on Autopay. I have also had other card brands, such as Thank you Rewards, and I believe a Thank you Preferred card, all of which were set up on Autopay, where the payment is automatically withdrawn from my bank acount monthly. On XX/XX/XXXX, and XX/XX/XXXX, my auto pay was automatically cancelled on my City Double Cash MC, and Citi Diamond Preferred MC, respectively. This was done without my authorization and approval. To my knowledge, I did not authorize this change. Because of this, both of my Citi credit card accounts became past due, which prompted Citicards to do an account review and lower my credit card limits on both of my cards. I feel this is unethical and fraudulent business practices. 

In lieu of the Corona Virus COV-19, lenders and credit card companies are actually waiving payments and late fees, and are not making drastic changes to customer accounts, in lieu of the pandemic that have taken the lives of thousands of individuals. My understanding is that Federal law forbids this kinds of discriminatory action, or drastic measures being taken against good, loyal customers at this time of crisis. Again, I am not experiencing a financial problem paying my account at this time. Had Citicards not stopped my autopay set up without my consent, both of my accounts would have been automatically paid on time and current. I ask that my credit limits be not only restored, but my excellent payment histories. I also ask that Citicards explain who authorized the cancellation of my autopay and why did that stop it. To this date, they have no explanation for me. 
In addition, Citicards allowed for someone to fraudulent use my Citi Diamond Preferred card from XXXX of XXXX until XXXX of XXXX, to charge a premium XXXX package for around {$15.00} without my consent. In fact, when I contacted XXXX, the account had not name on it just numbers and a gmail account associated with it. How can Citicards allow someone with a ghost account to charge for movie services on my credit card for months? 

My credit score has been lowered because of this. I am very upset that I have always paid them on time and now this has affected my credit rating with the credit bureaus. 

Please investigate this complaint. Thank you.
Product: Student loan

I qualified for PSLF and applied for this in XX/XX/year>. I had 2 federal loans. One of my loans was forgiven in XX/XX/year> but the other was not forgiven before MOHELA went onto a new computer system in XX/XX/year>. I have reached out to MOHELA and Federal Student Aid multiple times since XX/XX/year> and the remaining loan is still not forgiven. I have been told by FSA that it is a problem with MOHELA and MOHELA tells me that they do not have the info to forgive from FSA. I received a letter in XX/XX/year> from FSA stating that my remaining loan should be forgiven but it is still active and I have had to apply for multiple forebearances through MOHELA. The FSA forgiveness letter states that my servicer will contact me within 30 days to discharge the loan. That loan is still active. I have been told by both FSA and MOHELA to be patient and wait for it to be processed but this month marks 1 year since I applied for PSLF. In 3 months, it will be 1 year since my first loan was forgiven ( and both should have been forgiven at the same time ). I have had to spend multiple hours on hold with MOHELA without getting anywhere. I have now been told my loan is past due despite the forebearance ending yesterday ( a non-business day ) and being enrolled in AutoPay.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX. I purchased a XXXX XXXX XXXX on the year of XXXX from XXXX XXXX. I was just trying to get my credit up by doing so, and what I thought was a good deal, turned out to be the worst deal I've ever made. I have received my full promised tax refund since then and here it is XXXX. Because of this, I blame the finance company ( Ally Financial ) for this damage that has done to my financial situation. The vehicle was repossesed involuntarily, and I'm still receiving letter and phone calls about collecting of payment from interest it has accrued. Please I'm in need of help in contacting someone about refunding what was owed to me. Even when the company went through a lawsuit, I still received nothing from this. If anyone else has went through this please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX  also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to XXXX and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Product: Debt collection

This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Credit reporting or other personal consumer reports

Improper use of credit. I was never late on the paid off account listed above. Please show me proof with documentation showing on a transition that shows I was late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged payment from my credit report. Thai also violates 15 US Code 1666B with timing of payments.
Product: Mortgage

Struggling to make payment. i have had loss of income due to covid-19. i reach out to Mid America mortgage for a forbearance or payment plan and the rep dismissed me and told me they are going to foreclose and i will not be approved. I also sent in a request for mortgage assistance detailing hardship and still no payment plan forbearance. predatory servicer focused on foreclosing
Product: Checking or savings account

In reference to checking account XXXX, Etrade bank unilaterally returned all the payments to merchants/billers without customer 's consent, between XX/XX/2021 XX/XX/2021 The return of payments is a violation of ACH rules per XXXX  guideline. Merchant banks will be reporting the violations to XXXX for enforcements. 
Return reason code R10 ( Customer Advises Originator is not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receivers Account ) was used. 
Consider, the transactions are authorized by the account holder, the funds in the amount of XXXX should be released back to account holde.
Product: Credit reporting

I 've been denied credit three ( 3 ) times by XXXX because they can not verify who I am since they do n't have the correct phone number. I told them I 'd give them correct number but was told that they go by the Equifax report information. I only found this out after being denied the thre time an credit with them. I 've got a extremely high credit number showing excellent credit. Equifax via XXXX confirmation numbers and a phone call to them today said they could not update and would not update my phone number. To give correct phone number to the credit company. Tried to explain they would n't accept verbal info only credit report. Equifax refused to help me. The correct number is XXXX I only use this phone number. Equifax is having credit refused because they wo n't update my phone number that I wrote to them about, got on line and called to update. No, Equifax wo n't update. The phone number that is not correct is XXXX. The XXXX confirmation. Numbers are # XXXX + XXXX in addition with my phone call today.
Product: Vehicle loan or lease

During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt of XXXX XXXX and something dollars for an account I never opened. My ex husband opened the account without my knowledge and now theyre attempting to collect the debt owed
Product: Credit card or prepaid card

I bought airline ticket XX/XX/2020 with my american express credit card. 
Airline canceled a flight and on XX/XX/2020 i filed form with airline to give me refund for cancelled flight. 
XX/XX/XXXX i filled disputed with my american express credit card. 
It have been more then 90 days and creditor have not resolved dispute. 
The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) I have talked to XXXX id XXXX from american express but still she or he could not help me. 
Its not fair if customer is late just one day with credit card payment -there is always late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite my previous request for its removal. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and must remove or correct any unverifiable or incorrect data. The following accounts are inaccurately reported on my credit profile Capital one Lvnv funding XXXX
Product: Credit reporting or other personal consumer reports

I recently came across the CFPBs lawsuit against Equifax and wanted to express my concerns regarding my own experience with their credit reporting practices. I believe I have been negatively impacted, as their handling of my dispute has hurt my chances of obtaining credit. 

I submitted a dispute regarding an account on my credit report, on XX/XX/2024 and received a response stating that the account was verified. However, I was not provided with any supporting documentation or clear evidence of this verification.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If Equifax is unable to produce proper documentation to support this account, they are obligated under the law to correct or delete the information. Given the repeated failure to provide verification, I believe this account should be promptly removed from my credit report. 

I would appreciate any guidance on how to proceed and ensure that my credit report reflects only accurate and verifiable information. Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

Police Report Case Number XXXX This is in addition to cfpb complaint number : XXXX I have not received any updates from Money Network. I have been unsuccessful trying to get my money returned to me. They are unresponsive. It is my understanding that they have XXXX business days to report the findings to me, nothing has been reported to me. You also state that if the bank or XXXX XXXX can't complete its investigation within XXXX days, it must generally issue a temporary credit to my account for the disputed amount. Money Network has XXXX safeguards for its account holders. 

I have received no phone calls, emails or written documentation from Money Network since my claim was submitted.
Product: Mortgage

We made arrangements for the Covid relief. Come XXXX we had to start making payments. We did. They bounced it back. Reached out to make the XXXX payment. They accepted it towards the end of the month. We paid XXXX, was sent back again!! We talked to them in XXXX got the run around for XXXX XXXX months. Finally, we were told that they didnt receive XXXX payment. Thought everything was worked out.. sent them 4 months of payments. Then they stopped returning my emails and phone calls! The payments again were bounced back.. this is where were at now!
Product: Credit card or prepaid card

This is regarding the issue with XXXX  Dispute Amount of {$1200.00}. Based on a phone conversion with XXXX XXXX XXXX XXXX on XX/XX/XXXX I have decided to take the XXXX online program based on the condition that, the schedule will be convenient with my working schedule. She told me, I can only see the schedule of class once I take the course by providing the payment information. So I gave my Citi-Costco card as payment method. After some time, their XXXX site enabled me to view the Online -Live class schedule. It was not align with my work schedule. The next day ( XXXX XXXX XXXX ) I emailed the sales rep about my request to cancel the course. Because I didnt see any response, I called her and told me she will work with backend team to cancel my registration. Then next day I emailed the rep reminding again about the cancellation. Then on XX/XX/XXXX, after 2 weeks, I got a Citi Credit card alert about a {$170.00} charge from XXXX. Then I contacted XXXX and they told, 7 days cancellation period is over, but I can raise a ticket with XXXX, with the email proof and I did as he instructed. But nothing happened for 2 days. I filled a dispute on XX/XX/XXXX. Then I noticed another charge on XX/XX/XXXX of {$170.00}, which I disputed again. I called Citi Credit card and asked them to block my card from anymore transaction from XXXX and they advised me to cancel the credit card from future transactions. I cancelled the card and received new card. But after that on XX/XX/XXXX again my credit card got charged for {$1200.00}. This is this questioned dispute, which I contacted Citi again. They told me to dispute the amount. I sent all the relevant documents to Citi cards for my dispute. Now Citi came back and said they can't process the dispute, because merchant is not paying back. I did everything what Citi asked me to do from my side before the merchant making anycharge. But Citi ignored and allowed to make the charge on my card. Now saying they can't help me on reverting the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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.

XXXX Account XXXX  XXXX, has violated my rights.

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 or other personal consumer reports

XXXX XXXX
XXXX XXXX XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT #XXXX


DEAR XXXX XXXX XXXX,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX & XXXX  )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1. XXXX XXXX XXXX XXXX

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY, XXXX XXXX
Product: Mortgage

This is my third time having to write the CFPB because cross country does not know what is going on with their consumers loans. Cross Country in XXXX issued me an escrow check from my escrow account. I contacted them and advised my mailing address had changed. They advised that the check would be reissued, and this was in late XXXX. I have yet to receive the check in the mail and when I contact them, they advised they did not see a reissue of a check. I just want what is owed to me, should not be this complicated. The check is listed on my escrow statement from XXXX and the mailing address is the same as the one on the loan.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX [ Date ] transUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX Acct # XXXX has violated my rights. 

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 an account without my written instructions.