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

1 ) I have sent letters to the credit reporting agencies : Equifax, XXXX, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Product: Credit card

I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me.
Product: Mortgage

Short sale Mortgage assistance case. I am at my wits end and need to file this complaint!!!! 

Citibank is my second lean holder and is dragging their feet deciding whether or not they will grant an extension on my closing date. My First mortgage holder accepted the sale 2 weeks after Citibank accepted my short sale request but time has expired on Citibank 's closing date requirements. Citibank will not work fast enough to extend closing date and may force foreclosure with first mortgage Lender due to their incompetence in my case. They say they will only talk to my Real Estate agent once a week. and I keep getting the answer that its in our process and we will get back to you.?? So What the XXXX is the process anyway?. There is no transparency to a mortgage holder who is going through this financial assistance so what is actual process and what are steps to take. There is no clear path to the end in this case. I'm also finding out Every bank is different? What no laws for this? 


Well Since Citibank is the second lean holder they get nothing if my property is foreclosed on by first lien holder. In fact it will cost them more money with legal and attorneys fee to come after me. So as of now I'm calling the preservation unit so they will spend even more money on the property, heating, electricity, lawn care, plowing and eventually they will not get anything from me and forcing me to a foreclosure with my first mortgage holder and i really do not care anymore.. Time is of the essence here in my case and they really don't care. I'm just a number to them. I thought a Second mortgage holder would jump at the chance to get some kind of payment to settle a debt. And I also thought that Forcing a foreclosure with the first Mortgage holder was against the law if your the second mortgage holder gets nothing from forcing it. I dont logically understand the proverbial sea of XXXX   they are throwing at me. 

Every time i call them I speak with someone else, Get a different answer and have a different task to complete, It has now been 5 exhausting months since I applied for mortgage assistance and this system or process they have is designed to fail if you give up. I have Faxed 100s of documents, made 100s or phone calls and to no avail no improvement and lack of urgency on my case. This is making my financial situation even harder and my stress levels and mental anguish have made me hate banks all together. I am slowly losing my faith with Citibank that things will fix itself by the XXXX of this month. If someone at Citibank would just realize if they extend the closing they will actually get some money from the sale of my property. Otherwise they get nothing. I would love to hear the managers water cooler meeting at Citibank when they ask about my case if it could have been extended so they can get some sort of payment from me other then getting nothing because their internal process needs improvement. 
I am guessing they do not care about the little guy. 

And the moral of the story is Pay cash for every thing and don't ever use Citibank for anything!! 

A fed up and XXXX over American!

Thanks for listening
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy, has/was shared my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing.

The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Product: Checking or savings account

I called into DirectExpress because I was trying to check the balance on my car to see what was going on because I have a debit card that had funds on it and I just canceled my direct deposit to another bank. I switched it over so Im trying to figure out if thats the reason why that card I had with DirectExpress was closed out and if it was closed out then what happened to the funds that were on the account I called and I had to get over to the department before I can even reach someone Because the system doesnt give a clear option to reach customer service agent I wind up getting to the dispute department and talking to rude XXXX XXXX XXXX on the phone that wants to get an attitude with me and tell me to go through the automated system to get to the right department and as I was trying to tell the rude XXXX XXXX XXXX ive already done that option several times trying to reach someone. I asked to speak to her supervisor so I can make sure I get to the right department and know what option to select and the rude XXXX XXXX hung up the phone on me as she was talking with her disrespectful XXXX thats Im so glad I dont have my money coming to this XXXX XXXX government bank with these XXXX  XXXX  XXXX  XXXX XXXX on the XXXX phone that needs some XXXX in their life to make them have a good day at work
Product: Debt collection

In XXXX / XXXX of XXXX I noticed a collections account added to my CR from Convergent. I contacted them regarding the invalid information posted and asked for verification that I owe them any money. The account they claim to have been sent was from XXXX. 

I reached out to XXXX and was told that I do NOT have any account in collections, but I did have a past due balance. I paid the amount in question to them. 

On XX/XX/XXXX, I received a response from Convergent with my XXXX bills from XXXX through XXXX. I searched through all of the documentation, and I saw nothing stating that I owe any money to Collections. It did show my payment for the past due balance on paid XX/XX/XXXX. 

I looked at the XXXX bill to see if there are any mentions of Convergent in the " Ways to pay your bill : '' section and saw nothing. 

On XX/XX/XXXX I sent a letter to Convergent via certified mail. I see that it was delivered XX/XX/XXXX, at XXXXXXXX XXXX. and signed for by XXXX XXXX. 

As of my submitting this complaint I have not received any response from Convergent and this invalid derogatory information is still posted on my Credit Reports.
Product: Debt collection

XX/XX/XXXX i purchased a XXXX XXXX  from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2022 PayPal permanently close my account. I believe that it was a mistake to close my account because I am using it for online business ( Selling stories, typing jobs ) to sustain our financial needs especially my son because I'm a single mom. My PayPal account ( XXXX ) has a stucked funds in it that I have to withdraw asap for my son 's XXXX birthday and other emergency purposes. I am hoping that you could help me to get back my account and able to withdraw my money. 
Thank you so much and God Bless. 

Kindly see attached file for verification
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/
Product: Student loan

I am filing this complaint regarding the unauthorized access and potential data breach of my and my wifes federally protected student loan records. To the best of my knowledge, our student loan data was accessed without our prior authorization by the Department of Government Efficiency ( DOGE ), a non-governmental entity associated with Elon Musk. 

What Happened? 

Unauthorized Access : - Reports from XXXX XXXX ( XX/XX/year>2025 ), XXXX ( XX/XX/year>2025 ), XXXX XXXX ( XX/XX/year>2025 ), XXXX XXXX XXXX ( XX/XX/year>2025 ), and XXXX  ( XX/XX/year>2025 ) confirm that DOGE personnel accessed federal databases, including student loan records. 
- It has been further reported that student loan data XXXX have been copied to private servers controlled by DOGE. 
- Congressional representatives were denied entry to the Department of Education by DOGE personnel, raising concerns about transparency in the agencys handling of federal student loan data. 
My Actions : - I have not authorized any third-party access to my student loan records beyond my designated loan servicer. 
- I have requested clarification from my loan servicer regarding who accessed my records and under what legal authority. 
- I am filing this complaint because I believe that my servicer and the Department of Education failed to properly safeguard my private student loan data under FERPA and federal privacy laws.

Requested Action : - A full audit of my student loan records to determine who accessed my data, when, and under what authority. 
- A written response from my loan servicer explaining how this unauthorized access occurred and what measures will be taken to prevent future breaches. 
- Corrective action to ensure that my and my wifes personal and financial data is protected from further unauthorized access. 

This situation has caused significant emotional distress and financial uncertainty, as I now have concerns about the security of my student loan records and possible identity theft risks. Given the severity of this issue, I request that the Consumer Financial Protection Bureau escalate this matter and ensure that the appropriate federal agencies take immediate action.
Product: Credit reporting or other personal consumer reports

XXXX {$4900.00} XXXX XXXXXXXX XXXX XXXX  is missing information. According to the law you must report both complete and accurate information. This is neither. 
There is a charge off showing XX/XX/XXXX- still a charge off XX/XX/XXXX. This is an inaccuracy. This is illegal. Charge offs are done once not every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   UNKNOWN CHARGE OFF ACCOUNT * Please remove all non-account holding inquiries over 30 days old. 
IN ADDITION THIS COMPANY IS DOUBLE JEOPARDY-ING ME AND BOUNCING THE ACCOUNT AROUND ALL 3 BUREAUS TO BE EVEN MORE UNSCRUPULOUS Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ).

Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

information on report is incorrect. the fraud alerts were where ignored bt reorting company. companies that where reorted to fraud dept. where given access.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my XXXXedit score and causing me a lot of stress
Product: Student loan

MyFedLoan claims to have 'one goal : to help you successfully repay your loans. ' However, 57 % of people qualified to income based repayment plans did not re-certify in time likely due to poor communication on the servicer part, to the point of negligence and with harsh, irreversible and unforgiving penalties. 

In my case, I received one single email reminder during my busiest part of XXXX. I was obviously XXXX, overworked, and more focused on XXXX than my own financial well-being. I thought I filled out the re-certification, or perhaps it was another form for public service loan forgiveness but must 've overlooked the email. FedLoan servicing ended up automatically placing me back on standard repayment and capitalizing almost XXXX in interest on top of my principal. This will end up costing me thousands of dollars because I overlooked one email. 

In our society where we are inundated with emails and reminders, for them to only send one notification about something with such severe ramifications if missed is criminal and definitely not in line with their supposed goal of helping me re-pay my loan but turning around and flippantly increasing it. Their other notifications require me to open their email, then click a link to go to their website, log into that as well then download a pdf. Multiple steps that as a XXXX I just do n't have the time to do. I am part of a group that will absolutely pay back my loans but the way the system is set up now is that only people who have financial support can possibly get into and finish medical school and residency. 

The student loan rates are out of control compared to current other average rates with no way to re-finance and it is simply impossible to work other jobs for funding during training so either we take out loans or are supported by rich parents. This is a terrible system, we do not want a society where the only people becoming the caretakers are the rich ones who can not relate to the majority of the population. 

I called multiple times to attempt to fix the issue and was told I had to go into hardship forbearance and that was my only option, however after looking online, there are people who were able to find a rare kind soul at FedLoan servicing who would help reverse the capitalization. This is no longer possible after you enter hardship forbearance, so in fact I was told the wrong information and will suffer for it. Not only will I suffer, but now part of my focus is distracted from what really matters - which is becoming a XXXX - to self preservation.
Product: Debt collection

This company sunrise credit services calls me everyday or every other day. I have been receiving calls from them since XX/XX/XXXX and here it is XX/XX/XXXX they are still calling this definitely harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the XXXX they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to Transunion, XXXX and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the XXXX inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XX/XX/2022 my home mortgage increased by {$4300.00}. My mortgage balance was {$330000.00}. I have called SPS Mortgage Servicing to find out why they are reporting this increase to XXXX. They tell me they are not reporting this increase in my mortgage as there is no increase for my mortgage. XXXX tells me they are getting this information from SPS Loan Services. Now I am caught in the middle of this, as it reduces my credit score showing an increase of balances on my credit file with XXXX, XXXX and XXXX. To this day, no one is able to fix this for me. It is false information and it is holding me up from achieving a refinance for my home mortgage. What resources do I have to get this false reporting fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record from a court shows and shouldn't. The court does not report this information.
Product: Student loan

In 2006 sallie mae had split with Navient. Im somewhere in the middle, it considered federal FFELP but is private. Ive been unable to take advantage of the Pandemic assistance because of this. This whole time ive kept making my paymemts even though i am unemployed. For years Navient had steered me into Forbearance time and time again. Why am i not notified about income driven repayment. Because of the extra pandemic funds i want to settle this debt once and for all, i have had this student loan for 15 yrs. Why will they not settle? Im lead to speak to an attorney for student loans. I have no choice and want to limit further harrassment from Navient and multiple calls per day