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

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with MAZDA FIN SV and my goal is to maintain the relationship weve built over the past 7 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XXXX and XX/XX/2023 for my MAZDA FIN SV Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed MAZDA FIN SV several letters informing them of my financial hardship at the start of the XXXX XXXX  Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX  I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my MAZDA FIN SV account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments.

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXXXXXX XXXX  and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act.

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account XXXX : XXXX Late Payment Date : XXXX and XX/XX/20XXXX XXXX
Product: Debt collection

Received a letter in the mail which appears to be a statement regarding an ongoing installment payment program for a large loan/debt ( Current balance : {$11000.00}, it says ). It is made to look like my debt holder is some company called XXXX, and like they received my last installment payment of {$540.00} on XX/XX/XXXX. It says my next payment of the same amount is due XX/XX/XXXX, and includes a tear-off section at the bottom of the letter, with the heading : " To avoid delays in handling please do not include correspondence with your payment. PLEASE RETURN THIS PORTION WITH YOUR PAYMENT. '' I do not owe such debt. The whole thing is made up. It is a scam. The letter uses my name and asks me to print my " XXXX account number on [ my ] check '' ( a made-up account number is provided on the letter ). The address the check is to be sent to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Supposedly I can view my account information and even sign up for automated payments at www.accountinfo.com. ( lol )
Product: Credit card or prepaid card

Dear Sir or Madam, Something weird is happening, this week received a call from a woman from an unknown number asking me private information, I told her I would comfirm what ever is correct, however, would n't offer any information since i was victim of fraud before.   She was repeating im trying to protect you i said i will not offer information i was victim of fraud i can comfirm any correct information you have this was friday the  XXXX  Due to a trip that I am doing with my elderly mother (  XXXX  y ears old  ) I requested a limit increse on   XX/XX/XXXX   or  XX/XX/XXXX  in one of my accounts, they gladly provided withing  12  minutes and thanking me profusely for the 10 years of my loyalty to Citibank and my excellent payment history. they sent a text comfirming  Yesterday    XX/XX/XXXX   th saturtday, I went to my office and receiv ed 7 le tters without a logo stating that a "  executive  response unit ''  XXXX  had cancel   XXXX   of my credit cards account bussines and personal accounts even more confusing all letter stated my home address and delivered in my office mail box.   Had to research to find the last   XXXX   numbers of credit cards to locate account numbers after a night awake called the credit cards in question the response is " it was closed '' It seams very discordial when i have an average of  XXXX  on this accounts paid monthly in full and more with another card of that same institution also paid in full monthly.   in the morning of  XX/XX/XXXX  received and allert from   XXXX   XXXX   I will be leaving the country in 4 days on bussines trip.   Do n't personally think is proper, professional or fair to cancel my accounts without any notice or even email or phone call after increasing my limit and thanking me for my relationship with them.   To receive a letter dated the same day that that woman called me without a phone number or without a logo from which bank? seam to me that consideration respect and professionalism is unfortunatly going down the tubes I will forward this complaint to my senador  XXXX   XXXX  thanking you in advance  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Product: Credit card or prepaid card

On XX/XX/2019 they charged me on my statement for {$4100.00}, I disputed due to a fraudulent charge they sent me a letter dated XX/XX/XXXX. I did not receive it till XXXX XXXX and I faxed HSBC the Additional information form and have proof it was received. A letter dated XX/XX/2019 arrived today saying they did not get form. I have the fax saying it was successfully sent. There were no calls or anything just this letter I did receive today. I am writing to get this corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX. 
U S DEPT OF EDXXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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, credit repair services, or other personal consumer reports

I sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove fraudulent account from my credit report. XXXX XXXX  is fraudulent account.
Product: Debt collection

I sent debt validation letter. Company did not send sufficient validation information that was requested.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that appear on my credit report. These accounts were opened or reported in my name without my authorization : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. 
XXXX. Discover Bank Credit Card, opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX accounts related to an apartment I never moved into : Opened on XX/XX/XXXX, with a balance of {$13000.00}. 
Opened on XX/XX/XXXX, with a balance of {$13000.00}.
Product: Checking or savings account

I issued two checks in the amount of {$5000.00} and XXXX ( XX/XX/XXXX XXXX ) to two different recipients and the checks were deposited to their account. I received this confirmation of funds being deposited into their account and closed the account afterwards. 

Recipients informed me that deposited funds were taken back by Citi bank..I called the Citi bank and they told me that I will be sent a check for this amount via mail in 10-15 business days. I was constantly reassured that check was on its way until XXXX XXXX when I was informed that check was unable to be delivered for reason unknown to them. 
I get all the other promotional mails from Citi but never received my check. 
I called them multiple times to request a new check and they provided me with a reference number for a new check that they were going to process.

I followed up with Citi about the new check and they seem to be clueless as they don't apparently have any information .I need my money back that they pulled back for the checks I issued to others and never refunded it. 

I called them multiple times regarding this issue and continue to hear different stories about my outstanding checks that's frustrating me at this point as it's huge amount that I need asap.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX  from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX  and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past XXXX years, with no association to XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Mortgage

I closed with Guaranteed Rate on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from Guaranteed Rate, XXXXnc. to Guaranteed Rate, Inc. subserviced by XXXX XXXX. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to Guaranteed Rate, Guaranteed Rate subserviced by XXXX, my Loan Officer, his supervisors, and Ravenswood Title. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.
Product: Student loan

To Whom it may : concern My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, XXXX, Illinonis XXXX, my SS # is XXXX, I was born XX/XX/XXXX. I am writing this letter to you today to ask you to completely eliminate my student loan from Navient based on bogus practices. Navient is facing a lawsuit for the following : that they harmed student loan borrowers throughout the repayment process, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. 

Navient Plaintiffs regarding Navient lawsuit represented by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX. 


As a result, the plaintiffs claim that teachers, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments. 

https : XXXX -- XXXX XXXX all about it https : XXXX # XXXX I am a product of such practices. Because they have had me get several forbearanes, which caused the interest rate to skyrocket. I am XXXX dollars in debt maybe more with the interest rate. 

It is no way on Gods green earth I can repay this loan back, and I am now XXXX years old, not only that. The school that I went to is now closed down, because of their practices I was told that my diploma would be obsolete because they have lost their accreditation. 


Complaint regarding the XXXX XXXX XXXX XXXX According to the complaint, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX campuses lost their status as an accredited institutions, so if they are no longer an accredited institution that means that my diploma is obsolete, no good, I went to school for four years, and I worked hard, and then when I went to them to help me find a job they said I have been out of the industry, so therefore my skills were obsolete, how terrible, I was really upset over this, how can you tell me my skills are obsolete. Education should be free if you go to school and then later your skills become obsolete. They said they would help me find a job and they didnt very false, very misleading representation. 

There have been so many complaints against the XXXX XXXX XXXX XXXX, so many students were done wrong by this institution. 

Therefore as a result of all this, I feel that my loan should be totally forgiven, I am close to {$90000.00} dollars in debt, I do not want to have such an astronomical debt hanging over my head, I feel my education was a total waste of time, and money that I did not get, and have nothing to show for it. 

Sincerely, XXXX XXXX
Product: Student loan

I do not agree with the payment tracker towards PSLF on the Mohela dashboard for my account. I have been working in XXXX XXXX since XXXX. I have all my qualifying employers verified and confirmed with completed employment verifications on the Mohela dashboard as follows : Employer Employment Begin Date Employment End Date XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX US DEPT OF EDUCATION FEDERAL STUDENT AID XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to PRESENT Yet on the payment tracker, it is missing the 46 months from XXXX of XXXX to XXXX of XXXX. Those months are not listed, in either of the ELIGIBLE nor INELIGIBLE lists. Within those 46 months there were only 14 months, XXXX of XXXX to XXXX of XXXX that I was not employed with a qualifying employer. So 32 of those 46 months should be ELIGIBLE. That would bring me to 126 qualifying and eligible periods as of XX/XX/XXXX, towards my PSLF. I will certify employment with my current qualifying employer in XXXX, so that will bring me to 138 towards the 120 required. 

I have contacted MOHELA several times. I have contacted the Department of Education/Federal Student Aid and the ombudsman and they have not updated these missing months.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, and XX/XX/year> To my knowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, but this time, out of nowhere, I found discrepancies. I even tried refreshing the page, thinking it might be a browser issue, but the inquiries remained. I am asking that the documents Ive provided be thoroughly reviewed to prevent this from happening again and to ease my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

CITIBANK : For background purposes, I have a credit card with Citibank and have been a customer for many years now. My phone number has remained the same for XXXX years. 

Today ( XX/XX/2023 ), I received a Fraud Alert email from Citibank after attempting an online purchase from a retailer. I called the number from the email to clear things up. I was then asked if I had a different phone number than the phone I was currently on. I've only had one phone number ( my cell phone ) for years now, and do not have a landline, and therefore I told them no. The CSR proceeded to tell me they could not verify my account details over this phone number and would have to send me a verification letter over the mail that would take 5-10 business days. 

I've had the same phone number for years now, and have dealt with fraud alerts from Citibank in the past. It has NEVER been an issue to resolve them over the phone, using a combination of my Citi " secret code '' and other account details ( SSN, etc ). 

In 2023, this is completely unacceptable. I am now locked out of my account- and have to wait 5-10 business days for a verification letter that ANYONE else could simply get ahold of. There are tons of ways to verify an identity that do not require a letter over the mail. This situation is almost comical if it wasn't so frustrating. Now I will be dealing with bounced transactions for any auto-subscriptions that I have tied to this account. My only alternative is to use my bank card, which is NOT ideal. 

Citibank - you are going to lose potentially lifelong customers with this antiquated practice.
Product: Credit reporting, credit repair services, 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. 

XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 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 XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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.