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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

Last fall I made contact with SOFI Bank by phone at ( XXXX ) XXXX, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the subject funds were sent and reported that it had been tagged as having suspicious activity. He reported that the wired funds were on hold in that account. 
Through further discussions with the SOFI Fraud Security Department, I was advised that they could initiate recovery and return of my funds when XXXX XXXXXXXX XXXX  would sign and send a Hold Harmless Letter and Letter of Indemnity to SOFI. 
XXXX XXXX XXXX XXXX XXXX  department managed an investigation into this matter and reported that SOFI did not send copies of the documents they wanted signed so, XXXX XXXX was going to do nothing further to recover my stolen funds. 

My original complaint was designated as CFPB # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint to Experian because, my address was being reported wrong they never change it.
Product: Credit card

Was unsatisfied with the way Discover was handling my account, so I closed it. They are now charging me 30 % interest, even though I 've never been late and I have very good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

Someone fraudulently used my social security number to obtain a vehicle and I sent over the necessary documents and I want it removed from my credit report
Product: Debt collection

The company failed to provide me with the validation of the debt as I've requested from them, they also failed to provide me with a 1099-c as they are reporting to the credit bureaus as charge off account and open which is illegal as there client claim to the IRS as a Write off which now make this tax fraud. Every month they also report this twice to my credit report as they threaten to damage my credit report if I dont pay them. they've also increased the balance which has affected my credit score. I have recording of everything on recording with there employee threatening me about this account. I want this removed from my credit report immediately.
Product: Checking or savings account

I opened an account with CITIBANK online by following the links of an advertised {$400.00} promotional bonus for opening the account and retaining a balance of {$15000.00} for 60 days-90 days. The opening deposit was made on XX/XX/18 in the amount of {$15000.00}. 

I have not received the promotional offer as of XX/XX/18. I have made multiple calls and online chats to no avail. I first contacted customer support around XX/XX/18 and was told to call their new account service line XXXX and basically ask them. When I spoke to the representative I was advised the promotional offer would be reflected on XX/XX/18. 

As of XX/XX/18 I did not receive the promotional bonus. I contacted customer support again via chat on XX/XX/18 and was then told that the promotional code was not reflected at the time of opening the account and that it needs to be " ENROLLED ''. I brought it to their attention that I followed the links on their website ( I am not sure how this got lost in translation or why it would be difficult to verify and apply ). At this time the representative filed a case ( # XXXX ). 

I called the new accounts service line XXXX on XX/XX/18 to get a status and I was told the case review process would take up to 90 days so I requested to be transferred to a supervisor who advised the case review process does not take more than 10 days and that I should see the promotional bonus reflected on XX/XX/18, he also advised that he had placed an " expedited '' request. 

On XX/XX/18 I contacted customer service via Chat and was then told the case remained open and there was nothing that can be done and to call the new accounts service line during the business week. 

I called on XX/XX/18 and was AGAIN told the promo code was not enrolled ( again I followed the links on their own website for this ) and was abruptly transferred to a " personal banker '' who tells me that the case has not been review and it is not guaranteed that I will receive the bonus offer. 

Needless to say this has been a very unpleasant experience ( It feels like shenanigans to not pay in hopes of making eligible new account customers close accounts and leave or extent and drag the timing of such payment as far as possible ). 

Citibank has not honored the promotional offer and is acting in bad faith.
Product: Credit reporting or other personal consumer reports

Several unrecognizable and unauthorized hard inquiries appear on my report. Ranging from XXXX. 

XX/XX/year> XX/XX/year> etc Random mortgage companies.
Product: Student loan

I CALLED NAVIENT IN XXXX TO ASK ABOUT THE PUBLIC STUDENT LOAN FORGIVENESS PROGRAM. I WAS INFORMED THAT MY STUDENT LOANS QUALIFIED FOR PUBLIC SERVICE LOAN FORGIVENESS. I HAVE FFEL LOANS. I PAID MY LOAN PAYMENTS RELIGIOUSLY. I HAVE PAID MY LOANS FOR 18 YEARS. I APPLIED FOR PUBLIC STUDENT LOAN FORGIVENESS IN XXXX. I RECEIVED A LETTER INFORMING THAT I DO NOT HAVE DIRECT  LOANS AND SO DO NOT QUALIFY. I CALLED NAVIENT AFTER I RECEIVED THE LETTER AND THEIR RESPONSE WAS " OH WELL ''. AFTER I FILED A COMPLAINT, THEY RESPONDED BY SAYING THEY HAVE A RECORD OF MY CALL IN XXXX  BUT NOT THE CALL IN XXXX. SO AGAIN, " OH WELL ''. I DO NOT KNOW IF THAT CALL ON XXXX MAKES A DIFFERENCE OR NOT OTHER THAN TO PROVE TO " SOMEONE '' THAT THIS IS A TRUE ACCOUNT OF EVENTS, HOWEVER, I AM SEEKING ASSISTANCE WITH THIS SITUATION. I UNDERSTAND THAT SEVERAL STATES ARE INVOLVED IN A LAWSUIT WITH NAVIENT FOR EXACTLY THIS SAME TYPE OF SITUATION. UNFORTUNATELY MY STATE IS NOT INCLUDED. IS THERE ANY REPRIEVE FOR SOMEONE LIKE ME WHO DOES NOT HAVE ANY REPRESENTATION? I AM ASKING FOR SOME ASSISTANCE PLEASE. THANK YOU FOR LISTENING. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL
Product: Credit reporting

HiMy name is XXXX XXXX on the XXXX of XXXX I received a call from XXXX XXXXTelling me that I could n't not refinance my house with them because XXXX had reported a XXXX on my credit. I call them on the XXXX try to dispute my XXXX my cause I thought that I had paid my final balance with them with it was very small between XXXX to XXXX dollars. I when I head and paid to total balance that had jump up to XXXX dollars. I ask them to please removed the XXXX and they told there was not mistake I asked them why dint costumer services send me a letter or a call. Well that had my wrong information I went ahead and updated now they are telling me that they had the right information and that I sing up fire statements y told that was a mistake. They dont want to accept that they made a mistake, I could no long refinance my house I explain to them that I was trying to do this to keep be able to keep up with my mortgage. Please help us as consumers we have no protection against all this big scan comp.
Product: Checking or savings account

It has come to my attention that someone has altered my name associated with my social security number. Per conversations with the social security administration there was activity unauthorized and unknown to me regarding my legal name as associated with my social security number. 
I have reason to believe that I may have been or will be the victim of bank and financial fraud. In particular certain marital assets and trust assets held at SunTrust, XXXX XXXX SunTrust XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX XXXX may be at risk. Such bank branches primarily located in XXXX and/or XXXX, TN. 
I seek your help on how to flag any accounts held in my name or for my benefit. In particular, how to ensue any transfer or removal of my rights to custodial assets. 
I have reason to believe the trust assets involved evade [ $ XXXX ]. As of [ 2014 ] the assets have been a part of a civil dispute. I have not authorized any transfer of assets held in my name or for my benefit. 
Unfortunately, trust officers at the aforementioned banks may be incentivized ( or misled ) to commit fraud. The law firm XXXX XXXX XXXX XXXX  office, at XXXX XXXX XXXXXXXX, has a long history representing the trust and related accounts at issue. 
I seek your help to assure my accounts are held and protected in accordance with all applicable laws and regulations. 
Thank you, XXXX XXXX XXXX XXXX *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to pay for services I purchased at XXXX XXXX XXXX, and the loan is serviced by Covered Care, Westlake Portfolio Management. I want to pay off my loan, and the website says that you can not pay off the loan online and must call. I called, and was told I could pay it off, only for them to change their mind halfway through the phone call and say that their policies JUST all of a sudden changed, and now I can't pay off the loan over the phone and must mail in a check or money gram. I asked to speak to a manager, and was put on hold for about XXXX minutes before the call unexpectedly dropped. Then, I tried to go on and make a large payment to at least limit how much interest is accruing and I am limited to making payments that can be {$740.00} maximally, when the loan balance stands at ~ {$4800.00}. The behavior of this company is to deliberately drag out the process of paying off the loan so they can maximize their interest accrual.
Product: Vehicle loan or lease

In Accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I conference called my creditor XXXX XXXX  with XXXX from XXXX fraud resolution about my credit cards being closed due to my new address. We were told equifax had sent letters notifying to them that my current address is fraudulent and to close my account. It is not fraudulent, I moved from NY to GA last year. Last month I verified my new address over the phone to equifax using my GA state ID and a utility bill, but when I called equifax XX/XX/XXXX and spoke to a XXXX, I had to verify my identity and update my address again. Listen, people move everyday, I didnt know I was required to notify the bureaus that I was moving. All I did was update my address with my creditors. Due to this hassle I have lost 4 credit cards ; XXXX, XXXX, XXXX  XXXX secured, and XXXX XXXX secured. Now I see I have a fraud alert and freeze for PROMOTION PURPOSES!!! What does that mean?!!! When I asked XXXX he was acting like he didnt know what I was talking about and then I asked to speak to a supervisor, HE HUNG UP ON ME! I removed the fraud alerts early this year XXXX. I am trying to start a business and buy a house. Someone better fix this immediately or I will be pursing legal action. This isnt right at all!
Product: Credit reporting

I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.
Product: Student loan

Good Morning, On XX/XX/XXXX my loan payment of {$590.00} was due. A payment of {$400.00} was made on XX/XX/XXXX and {$190.00} on XX/XX/XXXX satisfying this payment. 

A few days before my due date I received an email advising I owed {$400.00} to my XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to a customer service representative after reviewing my payment history and could clearly see the issue was what the company did with the XX/XX/XXXX {$400.00} payment. The representative checked my records which was expected but after a good amount of time passed I felt as if he was looking for any reason to make the issue my fault. However, he could not find an issue and I was advised he would submit an action to have the {$400.00} credited to my XX/XX/XXXX payment. This would take 7-10 days. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to another customer service representative as the {$400.00} was not credited to the XX/XX/XXXX payment in the time period advised and my XX/XX/XXXX bill was showing I owed a payment due of {$990.00} and not the regular {$590.00} on XX/XX/XXXX. She advised that the other representative did put in to have the {$400.00} credited to the XX/XX/XXXX payment but it would take much longer for this to be credited with a timeline of 4-6 weeks. 4-6 weeks?!?! What financial institution, business, or otherwise takes 4-6 weeks to make account related changes? 

Full disclosure this is not my first issue with XXXX XXXX and have had to stay on top of my student loan account due to the amount of mistakes they make in servicing my loan. Most are minor in example not processing an ICR plan reapply in an attempt to get my spouse to sign paperwork on my loan despite having all of my loans prior to being married. 

However, considering the issues and my status of applying for loan forgiveness I believe these issues are related to cause issues down the road when applying for the forgiveness. 

At this point I feel I have no other option but to file a complaint with the CFPB every time I have an issue because there is no other real recourse for XXXX XXXX actions.
Product: Credit card or prepaid card

XXXX of last year there was a Chase credit card open in my name and then also on Amazon credit card open in my name and my identity was stolen along with my social security number my driver 's license I'm putting documents for me and my kids so I've been going to XXXX and back and I also lost {$2000.00} with the money because of this identity theft and I just found out this month that three major companies had their company 's hacked
Product: Mortgage

This complaint is actually directed to the Consumer Financial Protection Bureau ( CFPB ) in regards to Case numbers : XXXX and case number XXXX. Please reference the above mentioned case numbers for details. These cases are in regards to an illegal foreclosure action by Ocwen Loan Servicing LLC . Ocwen was awarded summary judgment based on a robo-signed affidavit. As the lawyer for Ocwen stated, in response to the above referenced cases, Ocwen Loan Servicing LLC has proceeded with a foreclosure action docketed as XXXX in the XXXX XXXX XXXX New Jersey. In that action, the Court granted Summary Judgment in favor of XXXX, as Trustee. The court based its response on the XXXX XXXX affidavit provided by Ocwen Loan Servicing LLC, which appears to be another robo-signed affidavit. 

As referenced in CFPB case numbers XXXX and XXXX, I requested that the lawyer for Ocwen provide evidence that the Plaintiff, the trust named " XXXX as trustee of XXXX., Asset-Backed Pass-Through Certificates, XXXX XXXX '' still exists. The trust in this foreclosure action has not filed any paperwork with the SEC since 2006. The lawyer failed to provide any evidence that the Plaintiff exists. How can a trust that does not exist, sue for foreclosure? 

I mentioned, in the above referenced cases, that the XXXX XXXX affidavit is probably a robo-signed document. I demonstrated that XXXX XXXX is a robo-signer by providing copies of other XXXX XXXX affidavits in previous Ocwen foreclosure actions ( see attachments ). After I submitted these XXXX XXXX affidavits, in the referenced CFPB cases, the alleged " real '' note for the home suddenly made an appearance. This is the first time the note has been provided, throughout this entire foreclosure process. The lawyer submitted the alleged original note for the mortgage with an undated allonge that has a blank endorsement. This allonge can belong to any document or to any other note. 

The CFPB has already demonstrated that Ocwen Loan Servicing LLC has used robo-signed affidavits and doctored documents to illegally win foreclosures in courts ( see attachments ). The lawyer for Ocwen has notified me that he will be filing for final judgment in this foreclosure case. This means that despite the CFPB actions to keep Ocwen from conducting illegal foreclosures with robo-signed affidavits, Ocwen continues to do so. 

I understand that the CFPB " can not comment on possible violations of the law unless they 're made public '' but Ocwen Loan Servicing LLC 's violations against home owners were made public and published on your website ( see attachment ). Now Ocwen Loan Servicing LLC is repeating the same actions, despite the CFPBs actions against Ocwen. 

I am a retiree, surviving on a small pension and social security, so I can not afford counsel. 

How many new complaints against Ocwen Loan Servicing LLC need to be filed in order for the CFPB to stop them from repeating the same violations that they were already prosecuted for?
Product: Debt collection

ON XX/XX/2023 A company by the name of ALLTRAN FINANCIAL. stated that I owe them money when I have no clue as to who these people are and how did they get my personal information. I want this account to be removed off my consumer report immediately. They have violated so many of my consumer rights
Product: Student loan

I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.