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

We reached out to CitiBank on XX/XX/XXXX when I realized that my promotional balance expired on XX/XX/XXXX. I explained to them that I thought it expired in XXXX and asked to get the interest charges waived as a courtesy. 
I received a response on XX/XX/XXXX at XXXX ET with the following message : We received your recent email regarding your account. 
Unfortunately, your promotion expired on XX/XX/XXXX with a balance remaining unpaid. Under the terms of the promotion the deferred interest charges have been added to your account. As a courtesy, we will waive {$210.00} of the interest charges if you will make a full payment of {$350.00} on or before XX/XX/XXXX. Once your payment has posted to your account, you may submit a request for the adjustment. 
Please let us know if we can be of further assistance. 

We made the requested payment on XXXX for the amount and before the date. I reached out again on XX/XX/XXXX asking for the interest to be waived since we made the payment as asked by the deadline. Citibank responded that they were unable to execute the interest charge adjustment. 

This is deceptive and unfair where an agent requested for a payment which we made and then wouldn't follow through with their commitment. There was a financial impact on the agent 's actions.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : XXXX5 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: Debt collection

I received a letter in 2018 from Greensky XXXX XXXX ) their address is : XXXX XXXX XXXX XXXX, GA XXXX the letter stated I have a Loan approved for XXXX to make purchases for improvements/ constructions, this was a result of theft identity. One week later I received the same letter with my daughter 's name ( XXXX XXXX ) for the same amount {$65000.00} loan approved by Greensky XXXX XXXX 
The bank was informed of this theft identity via phone, via mail and via email but they ignored me. The money was used by a criminal organization that used to get loans from victims like me and my daughter under the excuse of a solar systems project and construction. The criminal organization never performed any constructions at my premise. The criminals used this money on my behalf and my daughter 's. I let Greensky knows that I reported to police and there was a court case processing again this persons/criminals. there were around XXXX families around my neigboor with the same situation. 
For more than 6 years me and my daughter 's credit has being damaged and no other financial institutions trusted usto approve any loan or credit card due to this debt collections for more than 6 years We had this problem going on. We never requested this loan, Greensky released the money to criminal persons and they were informed that my identity was stolen ( I mailed letters couple times and I emailed them to XXXX ). The bank received notification from me and reports from police, court records and never help me to clear this matter. The case is open in XXXX XXXX XXXX and I provided Greensky with the police report, But they never removed the debt under my name and keep contacting me to pay for the debt. Every day debts calls to us 24/7 I keep repeating myself about the theft identity issue an I asked Greensky no to charge my bank account account, but Greensky XXXX  processed payments from my bank account. 
This a chain of criminals taking advantage from people like me and my daughter. I found about XXXX families with the same situation around my neighbors I got XXXX  and XXXX due to the actions and the treat calls I received every day from Greensky XXXX XXXX 
I can provided proof of this information but to a private email from consumer affair I do not want to release private documents with my information on it. my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Product: Mortgage

Wells Fargo bank added two accounts to my mortgage account without my consent. When I questioned them they told me it was an error. I asked the bank to rectify the issue and it was never resolved until they were sued in court.
Product: Credit reporting or other personal consumer reports

In XXXX, 2025, the Department of Governmental Entities ( DOGE ) unlawfully accessed and obtained sensitive student loan and financial aid records from the U.S. Department of Education ( DOE ) databases. This breach included personally identifiable information ( PII ), Free Application for Federal Student Aid ( FAFSA ) records, and IRS tax transcripts, which were accessed without borrower consent. 

As a result of this unauthorized access, my personal and financial data have been compromised. I am requesting immediate corrective action, including an investigation into the breach, notification to all affected borrowers, and appropriate remedies to mitigate any potential harm caused by the unauthorized disclosure of my records. 

I have taken the following actions in response to this breach : 1. Filed a FERPA complaint with the U.S. Department of Education regarding the unauthorized access to my educational records.

2. Reported the data breach to relevant consumer protection agencies.

3. Requested a fraud alert be placed on my credit file due to the potential risk of identity theft. 

Given the severity of this incident, I am seeking urgent resolution and appropriate accountability for the mishandling of my sensitive information.
Product: Debt collection

Online Information Services sent me a letter for an alleged debt I do not owe. When you speak with them they become evasive and hostile which is a flagrant violation of the Fair Debt Collection Practices Act. I have never heard of Online Information Services prior to their letter nor do I owe them any alleged debt. They flagrantly violate the Fair Debt Collection Practices Act with their hostile and evasive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

Portfolio recovery account is Fraud account XXXX XXXX XXXX  is mine debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the dispute letter below to Trans Union to correct the way items are showing on my report. I included pages from a prior credit report I retrieved on my own through a lender. When they went through their investigation, they now show one item " charged off '' for XXXX which is incorrect, it should be " paid '' and XXXX XXXX loans were paid off because I refinanced student loans that paid them off! They still reflect it incorrectly making it look like the accounts are still open which do affect my FICO accuracy with them. I want them all fixed per my original request. The XXXX one was the most shocking. Where did they get that info from stating it was charged off in 2016? It was not. It was paid and the company ended up being sold to XXXX who has been just awful. These bureaus need to be shut down because they 're incapable of keeping accurate records. I want both problems corrected to reflect " paid '' on all.
Product: Payday loan, title loan, or personal loan

I AM PAYING OFF LOAN # XXXX WITH MONEYLION.COM COMPANY AND UNTIL XX/XX/2019 MY LOANS WERE BEING PROCESSED WITH MY BANKING ACCOUNT ENDING IN XXXX. SINCE THEN, ALL AUTOMATIC PAYMENTS HAVE STOPPED!!! I DONT KNOW WHAT TO DO!!! I HAVE LOGGED IN TO VERIFY THAT ALL INFORMATION IS THERE TO PROCESS PAYMENTS AND I AM AT A DEAD END! I HAVE EMAILED, CALLED ... NOTHING! I CAN NOT GET IN TOUCH WITH ANYONE TO RESOLVE THIS. THE SYSTEM PROMPTS THAT IF I WANT TO RESUBMIT PAYMENTS, PLEASE PRESS A BUTTON BUT NOTHING HAPPENS! I HAVE READ ABOUT THIS HAPPENING TO OTHER CUSTOMERA AND KNEW IT WAS ONLY A MATTER OF TIME BEFORE YOU REPORTED ME AS LATE TO THE CREDIT BUREAU BUT I DON'T KNOW HOW TO MOVE THIS ALONG!!! I HAVE WORKED SO HARD TO REPAIR MY CREDIT AND THEY ARE RUINING IT! 

PLEASE HELP!!! 

THIS IS BEING STATED ON THE XXXX WEBSITE ABOUT MONEYLION : XXXX   files indicate a Pattern of Complaints concerning fulfillment of transactions and customer relations for MoneyLion, Inc. XXXX has noted a significant spike in consumer complaints filed since XX/XX/2019, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department . A number of consumers reportedly have had their requests for transfer of funds on hold for significant length of time and well beyond MoneyLions usual 5-10 business day window. Some consumers claim the electronic funds transfer ( EFT ) set up for their loan payments have been stopped, leaving them unsure of the status and unable to determine if payment is on record. Many consumers allegedly attempt to contact the company to resolve their problems but say they experience extensive hold times, often not being able to reach a live customer service representative. Others claim the only response they receive to their inquiries or requests for help are auto-generated emails from the company. 

As of XX/XX/2019, XXXX has contacted MoneyLion, Inc. and requested its voluntary cooperation in resolving the underlying issues of the identified Pattern of Complaint. XXXX is awaiting a response.
Product: Debt collection

I am writing to file a formal complaint regarding the garnishment of my federal stimulus payments by NAVY FEDERAL COLLECTIONS DEPARTMENT OF NAVY FEDERAL CREDIT UNION. I believe this action violates the protections outlined in the **CARES Act** and the **American Rescue Plan Act**, which specifically protect stimulus payments from garnishment for most types of debt.

Here are the relevant details of my case : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -NAVY FEDERAL COLLECTIONS - XXXX - XX/XX/year> I received a federal stimulus payment on XX/XX/year> which was subsequently garnished by [ NAVY FEDERAL COLLECTIONS DEPARTMENT ] . As per the protections outlined in the **CARES Act** and the **American Rescue Plan Act**, these payments are not subject to garnishment for most debts, except for specific obligations like child support or certain federal debts. However, my stimulus payment was garnished, and I believe this action to be unlawful.

Despite these protections, NAVY FEDERAL proceeded with the garnishment, and I seek assistance in resolving this issue and ensuring that my rights under these laws are upheld.

I would appreciate any support or actions the CFPB can take to stop this unlawful garnishment and ensure that my stimulus payments are returned. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of XXXX. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX  ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.
Product: Debt collection

On XX/XX/2021 I sent Simons Agency a certified letter requesting proof and documentation of two debts which appear on my credit report through XXXX. To date, they have not sent the documentation and the debt still appears on my XXXX credit report. The letter was received by XXXX XXXX on XX/XX/2021 and was signed for. Accounts are both XXXX XXXX XXXX # XXXX XXXX  and # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the removal of fraudulent items from my credit report. Despite my repeated attempts and providing substantial evidence of fraudulent activity, these items continue to negatively impact my creditworthiness. I urgently request your immediate attention and resolution to this matter. 

Lack of Response : Despite my efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The continued presence of these fraudulent items severely impacts my ability to access credit, loans, or housing. It undermines my financial stability and poses a significant obstacle to my financial well-being. 

I demand that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. I expect a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), confirming the removal of these items and outlining the steps taken to prevent their recurrence. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other supporting documentation I urge Credit Bureaus to take immediate action to address this issue and restore the accuracy of my credit report. Failure to do so will result in further escalation of this matter, including potential legal action. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Police case number XXXX Officer cop XXXX I was a victim my debit card was stolen, I reviced calls from this officer asking did I know the people that used my debit card on certain dates and I explain to him that I was there on military reason didnt know anybody there. I paid for an police report they sent my money back because my actual name wasnt on it but it was my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed some inaccurate late payments with FedLoan through XXXX, XXXX and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted FedLoan directly and asked them to remove the remarks since the dispute has been resolved. FedLoan responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the XXXX credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!
Product: Checking or savings account

On XX/XX/2019, I had a balance in my wells Fargo account of almost {$140.00}. I made a purchase of XXXX dollars and one of XXXX dollars. I have mobile banking, so I always make sure I my transactions online. When I had checked these transactions, although pending the funds had been withdrawn from my balance making it less and letting me know how much I had to spend or how much was available. Although the back tried to explain the process of pending to me which I understand, the funds are still withdrawn from the original balance. I had one of the companies try to refund a purchase and re-submit the correct amount. I went to the bank and explained the mistake and the fees I was charged,. The Banker XXXX told me he was going to refund the fees and didn't even though it was not my fault. The only fee I should have been charged for was for a Withdrawal for XXXX. I am disputing this because I feel is another way wells Fargo is deceiving consumers.
Product: Credit card

I received an email from Marriott on XX/XX/XXXX with an offer to spend {$50.00} at XXXX on my Marriott credit card and get a {$20.00} statement credit. I registered for the offer, then bought a {$50.00} XXXX XXXX gift card ( XXXX XXXX is a XXXX brand ). 
I sent a message to Chase ( the provider of the Marriott credit card ) on XX/XX/XXXX as I had n't received the statement credit. They advised I 'd have to wait 6-8 weeks for the statement credit. 
I still had n't received the statement credit after 8 weeks, so I messaged them on XX/XX/XXXX requesting the credit. Their first response was that I had to wait 6-8 weeks, so I responded that I had waited that long. Their next reply was that I would n't be receiving the statement credit because gift cards were excluded. 
I 'd carefully checked the terms and conditions of the offer before buying the {$50.00} gift card and there was no mention that gift cards were excluded, so I responded to Chase to advise them of this. They replied that there was an exclusion, I replied that there was n't, and so on for several messages. 
I 'll be attaching several documents as proof. The first is the email Marriott sent me which does n't mention a gift card exclusion ( Marriott email ). The second is a cached copy of the registration page for the offer which does n't mention an exclusion for gift cards ( Marriott XXXX Terms - 1 ) .The third is a copy of the terms and conditions for the offer which do n't mention an exclusion for gift cards ( Marriott XXXX Terms - 2 ). 
I 've also attached copies of my correspondence with Chase. As you 'll see, the bullet-point terms they list in their replies match the terms on the registration page and make no reference to gift cards being excluded. 
As there is clearly no exclusion for gift cards that customers were advised of, they should n't be adding these arbitrary exclusions when every single condition of the offer has been satisfied.
Product: Mortgage

Original I bought my home in XXXX with XXXX XXXX at a XXXX year fixed rate at XXXX % interest rate. Mortgage was sold in XXXX on XXXX to Land home financial, a private California mortgage corporation, that on their website states they're are licensed in New Jersey but don't have a licensing number-showing. In XX/XX/XXXX they wanted us to refinance at when I test rates were at XXXX %. They didn't take our mortgage payment from XXXX on. We got a real estate attorney, to fix situation. Which took a long time in court, with stress, people knocking on our doors offering to buy our house.Now I'm receiving tax default notices, I don't know if it's legal what they are doing. I need your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I took XXXX at my credit report under the accounts and noticed unacceptable unauthorized accounts listed above these companies are in Violation of The Fair Credit Reporting Act ( FCRA ), which is governed by 15 U.S.C. 1681 et seq., aims to promote the accuracy, fairness, and privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also requires CRAs to adopt reasonable procedures for meeting the needs of commerce while respecting the consumer 's right to privacy.
Product: Mortgage

XXXX XXXX XXXX from LeVasseur Dyer Associates P.C is committing Mortgae Servicing Fraud by filing false affidavits to collect on unenforceable debt.