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

XX/XX/2021 To : Consumer Finance Protection Bureau From : XXXX XXXX XXXX RE : Complaint CFPB, I am contacting your agency because I am not able to get my previous mortgage company, LOANCARE to report my mortgage history correctly. We have been trying to get my credit report corrected since XX/XX/2021. 

We had a mortgage with LOANCARE that was paid off in full in XXXX ( Sale of Subject Property ) of 2021. At the time that the Mortgage held by LOANCARE was PAID OFF in full, the mortgage was in Deferment as per the CARES ACT. 

As of this date, XX/XX/2021, LOANCARE is reporting to Experian that we had a 90 day lateness of this account. 

This is not possible because a deferred mortgage under the CARES ACT can not be reported as being late while the payments are deferred. NO payments were due until XXXX. The mortgage was paid off in full in XXXX ( over 2 months ago ). 

We have called LOANCARE repeatedly to request that they send a letter stating that the account is reported incorrectly, but all they say is that it will take 30 more days. 

We are of the opinion that our rights under the Fair Credit Reporting ACT are being violated. This incorrect reporting of our mortgage payment history is damaging my credit and we are now about to lose our {$9500.00} Earnest Money Deposit on the next house we are under contract to purchase. We can not move forward with our mortgage approval because of this incorrect reporting by LOANCARE. 

We are retired and we can not afford to hire an attorney to address this issue. 

We are in desperate need of some help here and time is of the essence. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I became the victim of identity theft, resulting in a series of fraudulent withdrawals from Marcus by Goldman Sachs XXXX XXXX Account. A total of {$28000.00} was fraudulently transferred from the account via multiple ACH transfers to a XXXX XXXX XXXX account ( ending in XXXX ). I have neither of these accounts, the only bank I use a this time is XXXX XXXX XXXX. 

Details of Fraudulent Transactions : On XX/XX/2024, the following unauthorized XXXX withdrawals were made from my savings account : XX/XX/2024 : Internet transfer to XXXX XXXX XXXX XXXXXXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXX Bank XXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXXXXXX XXXX XXXXXXXX - {$990.00} ( and so on for each transfer as detailed in the statement ) In total, XXXX transactions occurred in increments of approximately {$990.00} each, totaling {$28000.00}. These withdrawals depleted nearly all the funds in the account, leaving a balance of {$0.00}. 
Actions Taken Upon discovering these fraudulent transactions, I took the following actions : XXXX. Filed a Police Report : I reported the identity theft to the local police department, providing them with a copy of my bank statement and other relevant documentation. 
XXXX. Contacted Marcus by Goldman Sachs : I notified Marcus by Goldman Sachs of the fraudulent activity, and they confirmed that my account had been closed as of XX/XX/2024. 
XXXX Credit Monitoring and Fraud Alerts : I followed the recommended steps provided by Chase to protect my identity, including contacting the credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to place a fraud alert on my credit file. 
XXXX. Notified the FTC : I reported the identity theft to the Federal Trade Commission ( FTC ) and reviewed their resources for dealing with identity theft. 

Next Steps I request a full investigation into these fraudulent transactions. Additionally, I will continue monitoring my credit and accounts for any further suspicious activity. If additional information or documentation is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Citi Bank closed my account without prior noticed on XX/XX/year>. I discovered this when I could not been able to log in to my account to check my balances prior to making a purchase. Upon this discovery, I called their customer service and explained the situation and then was transferred to their Fraud Department. I have explanied the situation to the agent, and was told that Citi Bank has decided to end the relationship with me without giving any reason at all. I demanded for the explanation but that was all the information that they can provide unfortunately. Since this was not the answer that I was wanting to hear, I asked for the agent 's supervisor ( s ) but was informed that none were available and seemed to not care. I have told the agent that that was all the money I have available to pay for my bills, utilities, groceries, etc., and where my salary comes in. But the aganet 's answer was that they will send me a letter after 7 days with the reasons for the closure of my bank account. Then I demanded to expedite to send my money in the account since I am in the process of paying my bills which were behind, and there were some bills that were already sent from the account. The agent told me that the money would be sent in the form of a check after 30 days. I told them that would not cut it and demanded to expedite it so I could pay my bills, but they could not help me and it is their policy. I demanded to talk to their supervisor ( s ) but told they would give me a call the next day but to no avail. Thank you for resolving this issue with this bank on my behalf. I have been a loyal customer but what they did does me injustice.
Product: Mortgage

I have been affected by Covid-19, my employer was closed because of the pandemic for several weeks and when I did return to work my hours were reduced. I'm a XXXX at a XXXX and our work hours are reduced because of the pandemic. I have provided documents to Mr. Cooper for mortgage assistance several times because of the reduction of my work hours. Mr. Cooper is refusing to assist me with mortgage assistance and base my mortgage payment on my current salary. I recently resubmitted my request with my financials I don't want to lose my home. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, have 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, no 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 a reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient regularly and consistently fails to appropriately apply my student loan payments. I have XXXX loans ; XXXX are paid for by my cosigner, XXXX are paid for by me. I ca n't use their Autopay system ( which I 'm assured works better ) because they have previously withdrawn large sums of money without authorization. Instead we send payments with notes regarding which chunk of loans are to be paid with each payment. about every 6 months this system fails, and we have to start again explaining to many staff members how the money is to be applied. They typically tell me I have failed to make a payment ( even though I can see it on my account website ), they threat me with late fees and collections agencies. They make threats about putting my account in deliquency. I spend weeks walking them through how to apply the payments and to which loans. I am regularly lied to about whether they will/are correcting the issue. No one is accountable when that fails to happen. They sometimes call a dozen times a day about it. I have spoken repeatedly to their Consumer Advocate office to no avail. I have determined that on time, in full payments are not ideal to Navient. They would prefer defaulted loans that they can bleed for late fees and collections fines.
Product: Credit reporting or other personal consumer reports

NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : BANK OF AMERICA XXXX
Product: Credit card

Around the beginning of XXXX, XXXX I believe, I opened an American Express Gold Card at the recommendation of an American Express customer service representative. The reason for that cross sell was that I had recently opened a Delta American Express card that was a mileage based travel rewards system that I thought could be used in the same manner as a points based system for travel. Under a mileage reward system, tickets could only be purchased once enough mileage rewards had been earned to pay a ticket in full. With a points based system, points could be applied to pay down the cost of flight tickets if you did not have enough to cover the cost of the entire ticket. So I made the switch and applied for the American Express Gold Card, that carried a much higher annual fee than the Delta American Express card. The promotion in place at the time I applied was XXXX points after spending {$6000.00} in the first 3 or 6 months ( can't remember ). Just in the first alone, for statement period ending XX/XX/2024, I had {$17000.00} in charges and well surpassed my requirement. In the first 6 months through period ending XX/XX/XXXX, I had over XXXX XXXX  in charges. I called American Express in XXXX and spoke to an agent who on a recorded call, informed me i would be receiving my XXXX bonus points at the end of the next business cycle. I never got my points. I called American Express back and filed an audit request with their compliance department after being told that I would not be getting my bonus points was because I had recently opened and then closed the Delta card. I explained to them why I switched my card and that it was based on their recommendation on what I was looking for in rewards. They stated they could elevate it for a higher level review, but I was still turn down.

Upon reviewing their account disclosures for the American Express Gold Card, there is no clear language that states I would not have qualified for the XXXX points. I feel like I was mislead into believing that I would qualify for the bonus points. American Express greatly benefited from my switch to the Gold Card with the amount of interchange income they have earned while not having to honor giving me my XXXX bonus points I believe I deserve. 

Other than this occurrence, I'm happy with the card and it does give me the rewards system I'm looking for, but I feel like I was lied to. Their disclosures do not state a person in my scenario would not qualify for the points, and the agent I spoke to in XXXX put me on hold, spoke to someone on her end, and on a recorded line promised me I'd be getting my bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and TransUnion about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is still being reported without my verbal consent or written consent.Please hold these companies accountable according to the law according FCRA 15 US Code 6801 15 US Code 6802
Product: Credit card

There are charges and inquiries that i can not identify or authorize on my credit report, I believe my identity was stolen.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Experian.com lists my student loans twice, doubling the amount owed. When I disputed this, they added a false monthly payment amount of nearly {$500.00} while no payment is due. I have uploaded my current account statement showing no monthly payment.
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a Jeep, VIN XXXX, from Momentum XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over 709 at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. Mr. XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately 17K miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over XXXX hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX.99 because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. 6 ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
Product: Debt collection

This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP
Product: Debt collection

Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by Experian, XXXX, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my accounts I have noticed some that I am not familiar with. I have asked the credit reporting company for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reposting the information I am not familiar with. Please review the attached FTC complaint, my ID, SSC, a copy of the NPD report showing that my information has been exposed in a national data breach, and validation of dept failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX  and Equifax and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX XXXX XXXX.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY LEG WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
Product: Credit reporting or other personal consumer reports

I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXXXXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors