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

I am writing to express my profound frustration and complete dismay upon discovering that the following company or companies have reported charge-offs on my consumer report : XXXX XXXX XXXX XXXX Account # XXXX ] XXXX XXXX XXXX XXXX Account # XXXX ] XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per IRS regulations XXXX when a creditor charges off a debt, it signifies that the creditor has relinquished attempts to collect the debt and has categorized it as a tax loss. In accordance with this process, the creditor is obligated to submit a 1099-C form to the IRS, detailing the canceled debt as income. This situation implies that I may be liable for taxes on the charged-off amount, despite not having received any funds from the creditor.

Allow me to be unequivocal : the presence of these charge-offs on my consumer report constitutes a clear violation of my consumer rights, opens the door for discrimination and is completely unacceptable. I demand the immediate exclusion of the aforementioned accounts without any further delay.

I wish to remind you that the consumer laws mentioned below are not mere suggestions but legally binding regulations that you are obligated to adhere to : 1. 15 USC 1681a 2 - Exclusions ( a ) ( i ) : This subsection of the Fair Credit Reporting Act explicitly states that " Any report containing information solely as to transactions and experiences between the consumer and the person making the report. '' 2. 15 USC 6802 : This section of the United States Code outlines the obligations of financial institutions regarding the disclosure of personal information. It delineates the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are mandated to clearly and conspicuously inform the consumer, in writing or electronically, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to opt out of such disclosures and must receive an explanation of how to exercise this option.

3. 15 USC 1681b ( a ) ( 2 ) : This section of the United States Code specifies the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under certain circumstances, primarily when the consumer provides written authorization. I have not, and will not, grant any creditor the right to include negative, inaccurate, and injurious information in my consumer report.

It is abundantly clear that the presence of charge-offs on my consumer report directly violates the aforementioned laws. Consequently, I am entitled to receive compensation for this deliberate noncompliance, as outlined in 15 US Code 1681n.

I do not anticipate receiving verification of the item in question, as it is evident that it is in violation of the law.
Product: Checking or savings account

I was charged overdraft fees repeatedly for for months when I did not supposed to be.
Product: Student loan

My student loan servicer recently changed from XXXX to EDfinancial. I went to my account to check my student loan history and noticed there is a discrepancy in the loan amount I borrowed that is > {$20000.00} more than I actually borrowed. On EDfinancial website 's history, it is noted that on XX/XX/year>, I borrowed {$22000.00}. Then a month later on XX/XX/year>, I again borrowed {$22000.00}. My medical school at that time costs about XXXX per semester. I usually would take out a few XXXX extra for living expenses but not ever take an extra greater XXXX. In addition, my school only award financial aid and take out tuition once per semester. It does not make sense that the school would request for the same amount of tuition twice in XXXX semester and XXXX month apart. I went back to my school 's financial aid history and indeed, there is no records of me taking out a whopping extra XXXX XXXX  that semester. I added all of my loan history together from my school 's financial aid website and the amount did not total any more than $ XXXX. Due to graduating near covid and payment pause, I have accumulated very little interest since graduation. Even on the studentaid 's website, it is listed that I have accumulated around XXXX total interest since graduation. This does not add up to the total on my servicer website which is showing that I currently owe around $ XXXX. I went to the federal student aid 's website to download my student aid data. When downloaded, there is a line that states " XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : {$200000.00}. '' This is closer to the amount I borrowed. But then under this line, it says : " Student Total All Loans Outstanding Principal : {$220000.00} Student Total All Loans Outstanding Interest : {$2800.00} '' Somehow, an extra XXXX borrowed appeared out of nowhere in the total. Even accounting for my graduate plus loand and my accumulated interest, it still does not equal this new " total '' amount. In summary, I have checked this information with my school 's financial aid website history, my bank history, and even the federal student aid downloaded data. This does not add up with the amount they are saying that I owe. I have called both federal student aid and also EDfinancial to fix this discrepancy. Both sides kept blaming the other and telling me that it's the other side 's job to fix it or investigate it. Nothing has been done so far. This is a large amount to have a discrepancy and if my interest accumulates in the future, this incorrect amount will be what my interest will be calculated from. This is a huge mistake and needs to be fixed.
Product: Credit card

I have been making payments on my credit card bill on time and more then the amt due and Macy 's have lowered my credit limit twice. The first time I dealt with it but this time they took all the money I had made and left me with a {$500.00} limit and available {$29.00}. I made a total of {$370.00} ( available credit ) and was left with a balance of {$420.00} to pay off. Macy 's had no reason in lowering my credit limit. I cancelled my card and will be cancelling the last payment made with my bank. Macy 's does not appreciate their customers especially the ones making payments on time. How can you just take away my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Cps consumer portfolio services XXXX XXXX XXXX XXXX ca. XXXX ( XXXX ) XXXX has not been reporting my payments on my credit report! I have had the car for 5 years and of course hit bumps in the road as life goes! I have been paying reaccurring payments since XXXX none showing in my report! Even the late payments are not reported from last year during the pandemic. I went to purchase a new car due to the mileage and age of the vehicle and I was denied because it looks like I make no payments on my loan. Also the payments that I pay are all going to interest when all the interest is paid up. I will never get out of this car or have a good report due to their lack of stability and business
Product: Student loan

I am on the SAVE repayment plan. Because of pending litigation, my loans are currently in forbearance - against my wishes. If I was allowed to be paying, I would be paying. When this decision was forced upon me and my loans, I was told that this time would NOT count towards my PSLF payments- which is not only wrong but absolutely ridiculous- but at least I would have a 0 % interest rate during this time. Today, I received an email from my servicer, MOHELA, stating that there is, in fact, interest accruing during forbearance. Make it make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The Company withdrew XXXX on XX/XX/XXXX for MPI/PMI disbursement. The amount is double what I am usually charged. I called the company and they said it was due to a new company servicing my loan which is also named Cardinal Financial. Today I received my statement showing a withdrawal on XX/XX/XXXX for {$78.00} and a withdraw on XX/XX/XXXX for {$78.00} for PMI. Again, double what I have paid since XXXX. 

Additionally with this new statement, I received a collection notification from XXXX XXXX XXXX saying that they are trying to collect a debt that I owe for the full loan amount of {$350000.00}. I have paid every payment on time, electronically including the most recent payment and I have an XXXX credit rating. 

Cardinal sold the loan when I first bought the house in XXXX And it was a mess. Now theyre doing it again with another shell company and threatening me with collections. The burden is put on me to resolve in writing as a dispute!! The Situation is further complicated because Im trying to sell the house and close on XX/XX/XXXX a in less than 3 weeks!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment this XXXX of XXXX on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments this year. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Payday loan, title loan, or personal loan

I took out a {$500.00} loan with this company and my monthly payment were {$230.00}. I have made 5 payments to them for this amount which means I have paid the loan off twice and they are still trying to collect funds from me. I can not find in any of my personal records what the terms of this loan are. I assumed I would pay {$230.00} until it was paid off, but they continue to collect money. I dont know what the interest rate is or anything. I am filing this complaint because I was never provided with a copy of the terms and conditions for this loan. I would not have accepted it if it meant I would need to pay it back over and over again.
Product: Mortgage

We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.
Product: Consumer Loan

Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXXXXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Im writing to inform you that the customer service and mishandling of information resulting in significant stress from Panaroma Mortgage Group LLC, inadequately handling my loan and information. 

Timeline 1. Purchased a home in Maryland and closed on XX/XX/XXXX. 
2. 1st payment due to XXXX XXXX on XX/XX/XXXX ( payment made, documentation to prove ) 3. I was notified in XX/XX/XXXX, that my loan was being transferred to Panorama Mortgage Group LLC, and to begin making my payments to www.pgmllc.com, starting with the XX/XX/XXXX payment. 
4. XXXX, XXXX, XXXX and XXXX XXXX mortgage payments were made via the payment portal on www.pgmllc.com ( all payments were made on time with documentation to prove and provided to Panorama. ) 5. I was notified in XX/XX/XXXX, that my loan was being transferred again and they would reach out when my account was ready, which didn't happen until the end of XX/XX/XXXX ( apparently transferred to another branch of ) Panorama Mortgage Group and I should start making my payments to https : //panoramamortgage.servicingdivision.com/ starting with XX/XX/XXXX payment. 
6. XX/XX/XXXX payment made to the new portal provided. 
7. XX/XX/XXXX payment made to the new portal provided. 

Issues : Panorama is saying I havent paid my mortgage when I have email confirmations and bank statements showing the funds were taken out of my account. I have received threatening letters saying I am behind, every time I talk with someone, Im told they are trying to trace my payments. I have been told this since XX/XX/XXXX, here we are 60+ days later and they still cant find the payments. The escrow balance and the loan amount due are all wrong. Im not even sure my taxes and insurance are being paid. 

I NEVER received a statement from XX/XX/XXXX XX/XX/XXXX from Panorama Mortgage Group when I was making my payments to www.pmgllc.com. I emailed and called multiple times asking for a statement and I NEVER received a call or even an email response. ( I have all the email documentation to prove my communication outreach ). 

Panorama has failed miserably to properly document and track the transferring of loans and payments and in return harass customers ( like myself ) via letters and phone calls, when documentation has been provided ( as they requested ) but they still have done NOTHING. 

Reading reviews online other customers have experienced similar. Citizens work hard to pay their mortgage and maintain good credit with on-time payments, but because of the inadequate business practices of this financial institution, customers like me are facing ongoing stress and issues regarding this institution that has failed to hold up their end of providing top-notch customer service to their customers. 

I need someone to contact me back with a resolution and to find the hard-earned money that I have paid monthly to this institution and update all my documents accurately. 

All documentation can be provided AGAIN upon request!
Product: Debt collection

I contacted associated credit service to try to resolve an outstanding balance of {$350.00} when speaking to agent and explaining if they received my insurance coverage letter that i faxed in agent was very rude to and said that they do not care if i faxed any information or not that it is not their fault that i owe this amount and that i should pay asap. while explaining again about my insurance coverage that they initially requested agent said he does not care and that i should contact my insurance or the people i owe money to so i would not be in these situations. i asked to speak to a supervisor agent refused by saying he is a supervisor and can not transfer me to any other person when i threatened to report him to consumer finance agent immediately transferred me to someone else but before he did he said it is my responsibility to pay not to blame someone else name mercado or mercada. Agent as well kept cutting me off when trying to explain.agent i spoke to said he does not know how other agencies handle things but his agency has a different approach at collecting a debt. i feel threaten now specially that they know my address and personal information. and by the way they responded i feel they might use this information misleading.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to withdraw my funds from Coinbase, a virtual currency exchange. I wanted to withdraw {$520.00}. My funds were promised to be delivered to my XXXX XXXX XXXX Account on XX/XX/XXXX. Since then, it has been nearly a month and I have not seen my money. I contacted support on several occasions through their support website. I received generic responses that said delays were occurring. Their phone support refuses to assist in such issues and insists that their email is the only way to get this issue sorted.
Product: Credit card or prepaid card

American Express wont credit me rewards points for charges made from XX/XX/XXXX - XX/XX/2020. I have an American Express XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested TransUnion to reinvestigate XXXX XXXX XXXX # XXXX which per the response was validated as Accurate. Transunion did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however Tram Union indicated it has been updated Rating/ Payment received. 
1. Transunion report XXXX XXXX # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. Trans Union report indicates payments were made in XXXX. 
TransUnion shows XXXX XXXX # XXXX were charged off after the statue of limitation had expired. Trans Union shows the re -aging of accounts by XXXX XXXX XXXX XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all XXXX XXXX XXXX XXXX were originated and initially held by XXXX XXXXXXXX XXXX XXXX as a subsidiary of legacy XXXX XXXX XXXXXXXX XXXX typically then sold certain of the performing XXXX XXXX XXXX XXXX to an affiliate of legacy XXXX for securitization. Additionally, on a monthly basis XXXX XXXX XXXX  sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy XXXX. 
XXXX XXXXXXXX collected XXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, XXXX XXXX XXXX began collecting the vast majority of its XXXXXXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of XXXX XXXX XXXX historical performance data does not reflect current collections and charge off
Product: Credit card

I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I am filing this complaint on Equifax Credit Bureau because they are violating The Fair Credit Reporting Act Section 1681b ( c ). I sent Equifax two certified dispute letters because there are some unauthorized inquiries on my credit file that I did not authorized. My first dispute was on XX/XX/XXXX and my most recent dispute was on XX/XX/XXXX. I contacted these creditors and they couldn't provide me a permissible purpose so I disputed this back with the credit bureau on XX/XX/XXXX and received the same dispute results that these inquiries are a factual record of file access. CFPB i contacted Equifax and ask them to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry and that rep. stated they can not dispute a inquiry because they are factual of statements. I also told that rep over the phone that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 that rep stated the same thing and said I'm sorry I can not dispute credit inquiries because they are factual of statements and also have that conversation recorded. I will upload the second dispute letter of the unauthorized inquiries and the results from Equifax.