23daVinci/CFPB_Complaints huggingface dataset:
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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, 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

XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Dispute of Collection Account XXXX Dear Sunrise Credit Service I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter. 

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Navient/Sallie Mae has engaged in predatory lending practices that has caused me and my family ongoing financial harm. 

Navient discharged the remainder of my private loan, but only after benefiting financially. Navient/Sallie Mae have refused to refund any or all the money they have illegally obtained. 

Navient/Sallie Mae was in a relationship with my school. This financial relationship corrupted my financial aid office and the recruiting practices of my school. This relationship set forth by Sallie Mae/Navient caused my financial aid office to no longer provide me with the best options. 

Instead, Sallie Mae/Navient and my school were provided with the best options. I was told I needed a co-signer by my school when I in fact did not. Another example of Sallie Mae/Navient tainting my education and thus my school loans. 

Sallie Mae/Navient should not be allowed to keep money they fraudulently obtained. My school was to be liable for bad practices. My school did not do this alone. They did it in coordination with Sallie Mae/Navient . As of today, XX/XX/2024, Navient has denied me any refund amount.
Product: Debt collection

XX/XX/2020 I received an alert that unknown account from Jefferson Capital Systems was reported to my experian credit file. I have been a victim of identity theft and have zero knowledge of the debt in question or the company reporting it. I have included a copy of my police report of previous crimes against me.
Product: Money transfer, virtual currency, or money service

I Paid For a Order Threw PayPal. I Never Did Get My Order. Nor My Refund. I Paid For It Threw PayPal. I Ordered It On XXXXXXXX XXXX. So I Call PayPal. They Will Not Give Me My Refund Back. I Paid {$49.00} For This Item.PayPal Keep Giving Me The Runner Round. About My Refund. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XX/XX/2022 I have not received my credit score from Experian. They received all my reporting balances from the credit cards company but for some reasons Experian is not updating my score. XXXX and XXXX has been updating each month.
Product: Bank account or service

In response to a bank bonus promotion at Citibank, I signed up for a personal checking account on XXXX XXXX, XXXX. The promotion promised {$400.00} as a bonus if I opened an account and held a balance of {$15000.00} for 90 days after the first statement period closed. 

I waited for the bonus after depositing my {$15000.00} and keeping it in the account for the designated period. On XXXX XXXX, XXXX, Citibank closed my account and sent a check for the balance without me requesting that they do so. I called on XXXX XXXX, XXXX and learned that they believed they had not received my signature page for the account. When I told them the date when I submitted the page, they searched their records and found it. They admitted their error and let me re-open the account with the full {$15000.00} balance ( which happened on XXXX XXXX ). In another call on XXXX XXXX, XXXX, the bank 's New Account Opening office confirmed again that I would still be eligible for the bonus. 

I continued to wait for the bonus. On XXXX XXXX, I called again about the bonus. The representative said that the bonus should post around XXXX XXXX. It did not. On XXXX XXXX, XXXX, I called the New Account Office once again. They informed me that they would open an investigation internally, number XXXX. Now, it is XXXX XXXX, XXXX. I still have not received the bonus, despite maintaining a {$15000.00} balance since XXXX of XXXX. I have read in online forums that many other customers have had similar problems with Citibank 's bonus promotion.
Product: Vehicle loan or lease

I leased a new Acura from Acura Financial Services in XX/XX/2020. Yesterday, Honda ( Acura ) suddenly changed the rules of the lease preventing me to sell my car to any car dealer of my choice. They say I can only sell it to a Honda dealer. Since independent dealer pay more than Honda 's owned dealerships people like myself who need to sell their cars usually sell it to independent dealers. Due to pandemic there is a high demand for used cars and Honda is trying to make more profit by restricting a lessee 's options. It was a well stablished rule in auto leasing contracts, written or not, that a lessee can end his/her lease at anytime by paying the Honda ( Acura ) Financial Services the amount as specified in the contract. However, since in a lease the lessee does not own the car therefore Honda has to release the title to the buyer. Honda is abusing this technicality to take advantage of a pandemic influenced market to buy back cars at a cheaper price and make money out of it. They claim they have the right to choose the buyer of my car. 
XXXX also recently announced a similar abusive policy.
Product: Credit reporting or other personal consumer reports

please all the attached documents I will submit on the portal..
Product: Credit card or prepaid card

I was very happy to apply American Express XXXX XXXX card because I have been a XXXX Diamond member for years and I think I can fully utilize the benefit. I applied this card on the end of XXXX and tried to get the welcome bonus at the very beginning. However, I did have two product return because I was not satisfied with the product I purchased and it was also applied with the merchant 's terms and conditions without using any Amex benefit. 

Nevertheless, I got an email on XX/XX/XXXX that was one month by the deadline of getting my welcome bonus. The email shown that I violated or abused this reward program and I may forfeit some or all points. I made a call to inquire Amex customer agent and she said that she just can't see my bonus code which means that someone from reward program department removed it. 

I think that is quite unfair. I can accept that Amex forfeited some or all my points if I failed to meet the standard of spending {$4000.00} by XXXX. However, a loyal cardholder with nine-year membership who returned his products twice should not be treated that way. If the Amex terms and conditions show that product return is or may not be allowed during the welcome bonus period, that would be okay but they are not.
Product: Student loan

On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) application ( Exhibit A ) to be considered for loan forgiveness under the Limited PSLF Waiver Program. 

On XX/XX/XXXX, MOHELA sent me a letter ( Exhibit C ) via mail stating that my PSLF application was missing information including 1 ) missing physical signature on the PSLF application, which is inaccurate as I physically signed all required forms, and 2 ) employer certified dates in Section 3 were wrong because the employment end date is before the employment begin date which is also inaccurate since I am a current employee at XXXX XXXX XXXX. Please see the original application I submitted for the required correct information. The employer form is accurate and was filled out correctly by XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I sent a letter to MOHELA via certified mail asking for the status of my student loan forgiveness. MOHELA did not respond to my request. I believe I have met all eligibility requirements for student loan forgiveness under the Limited Public Service Loan Forgiveness Waiver Program.
Product: Debt collection

This account was opened in XX/XX/year> for the amount of {$860.00}
Product: Mortgage

Sent papers showing my dad XXXX XXXX property was in my name now to get mortgage assumption / mortgage assistance. Mortgage assistance application with my financials were sent to mortgage company. They are giving me a hard time with my request. They always tell me the file is in research and the file has not been updated with my documents. I don't want to lose the property to foreclosure because they are giving me the run around.
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX
Product: Debt collection

This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that equifax, XXXX and XXXX  request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my two minor children.I sent in the information around XX/XX/2021 I have not heard anything from Equifax or XXXX. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Checking or savings account

XX/XX/2023 : Withdrawal XXXX XXXX XXXX XXXXXXXX XXXX PAYPAL XXXX XXXX XXXX XXXX XXXX {$1000.00} ( did not authorize ) XX/XX/2023 : Transfer XXXX XXXX PP {$1000.00} ( also did not authorize ) On the XXXX of XXXX called my bank ( XXXX XXXX XXXX  ) to see who Authorized this, why I was not informed before transaction occurred, Do not have any automatic withdraw for the pp account. Told to contact pp as they were the ones doing transaction. Called PP to which they stated there was no account with them and no record of withdrawals. switched me to credit card division to which they denied it and asked if I wanted to start a Dispute on it to which I replied, yes. 

called my bank to tell them not to pay anything from either my checking or savings to PayPal/Synchrony for any reason. 

after checking my account on XX/XX/2023, I saw the other transaction described above. Now trying to reach my bank as to why they paid out when I specifically told them not to.
Product: Credit reporting or other personal consumer reports

Please see supporting information for Equifax data breach!! According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Account : 1. XXXX XXXX XXXX Account : XXXX Amount : {$1400.00} 2. XXXX XX/XX/XXXXXXXX Account : XXXX Amount : {$0.00} 3. XX/XX/XXXXXXXX Account : XXXX Amount : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with XXXX report regarding the XXXX XXXX XXXX. The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 XXXX accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on XXXX only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from XXXX XXXX XXXX XXXX The letter reads - your XXXX XXXX account issued by the XXXX  XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, Genesis FS card services the XXXX XXXX account is issued by the XXXX  XXXX XXXX and XXXX by Genesis FS card services Inc.. 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads XXXX XXXX info reported. There shouldn't be any information reported after XXXX payment because it was closed. Genesis FS card services also known as the XXXX XXXX XXXX  failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.
Product: Credit card or prepaid card

Due to coronavirus I am currently receiving unemployment. In around XXXX or XXXX I submitted a claim for fraudulent activity from information I received from the banks automated services. I wasnt able to go online to check my account until XXXX when I noticed there were several other trans actions and inquiry in my account that were suspicious. I have since added these inquiries to the claims I already have in process with bank of America. at this time I am filing a police report in order to help bank of America with there investigation to resolve this issue and in hope of prosecuting the person / persons involved. if you have any questions or need any other information from me feel free to contact me at XXXX, XXXX XXXX XXXX XXXX, here are the issues at hand, here are the claims I have open with bank of America & there claim # s/ # XXXX # XXXX, # XXXX, and the trans actions that took place that wasn't me. a withdrawal of {$100.00} to XXXX  XXXX XXXX  forward XXXX XXXX XXXX, XXXX. A purchase of {$69.00} at XXXX XXXX XXXX { same as above address } for a total of {$170.00}. next claim # for card # XXXX # XXXX XX/XX/20 XXXX XXXX in XXXX  XXXX, ca . with draw of {$1000.00}. on XX/XX/20 a with draw of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ca. for a total of {$1700.00} claim # XXXX card # XXXX. XX/XX/20 inquiry in XXXX XXXX, wa. XX/XX/20. with draw of {$100.00}. at bank of America XXXX XXXX Wa. ATM. XX/XX/20 inquiry XXXX XXXX wa. XX/XX/20. with raw {$200.00}. at XXXX XXXX XXXX wa. on XX/XX/20 bank of America inquiry XXXX XXXX XXXX, XXXX, wa. on XX/XX/20, bank of XXXX with draw of {$460.00} from XXXX  XXXX  XXXX , XXXX wa . XX/XX/20 in XXXX XXXX XXXX atm XXXX XXXX XXXX , XXXX  XXXX , new York XXXX. XXXX. with draw of {$41.00}. from XXXX XXXX XXXX. XXXX XXXX, new York. XXXX. XX/XX/20 inquiry from XXXX XXXX, new York. on XX/XX/20 with draw of {$90.00}. from .bank of America XXXX XXXX new York . XX/XX/20 a bank of America atm inquiry. from XXXX XXXX new York. of a total on this card is {$890.00}. total of all caims is {$2700.00}. imsorry that this is a lot to cover but I would greatly appricate if you could please help me to get my money back. any questions please don't hesitate to call me at XXXX my address is XXXX XXXX  XXXX , XXXX , ca. XXXX. XXXX XXXX XXXX Thank you.
Product: Credit card or prepaid card

My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this account.
Product: Debt collection

I was XXXX of the Veterans who debt was paid by our XXXX, but the debt is still showing in my credit report. The total amount for this student loan is : {$9900.00}
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX, which was cited for unfair lending practices in XXXX by Consumer Financial Protection Bureau. I have disputed my student loan balance for many years, and to date my loan is still {$18000.00} and taxed at 8.5 % interest. 

I started college in XX/XX/XXXX and at the time I received Pell Grants to fund my education. Additionally, I served in the military for 16 years ( Army Veteran ) and the Department of Defense paid {$20000.00} via my GI XXXX XXXX towards my student loans. 
I started college at XXXX XXXX XXXX in XX/XX/XXXX and at that time I believe I was awarded a XXXX XXXX to fund my education cost. 
After leaving XXXX XXXX, I attended XXXX XXXX XXXX, a local junior college for XXXX years and transferred to XXXX XXXX XXXX. After one year, I transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in XXXX, earned my Bachelor of Science Degree and graduated in XXXX. 

Between XXXX, a personal banker at XXXX convinced XXXX to consolidate all my student loans into XXXX loan. At the time I was young and naive, and I did not understand the ramifications of this financial arrangement and certainly did not know that this debt would morph into a massive balance due to high interest. 

The interest rate has never fallen below 8 % and I have been struggling to pay this loan off for many years. I am now XXXX XXXX XXXX and 90 % service-connected XXXX per VA and I would like to have my loan reviewed for accuracy and request loan forgiveness due to all the mismanagement, massive fees, high interest rates and late fees. 

Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. 
Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the Education Department and borrowers. 

I have never been able to write off payments on my tax refund, I have been charged late fees and massive interest and many other issues with XXXX loan which is now served by Navient student loan. To date, I still owe {$17000.00} on my loan despite many payments, consolidations, and the Department of Defense payment due to the high interest rate and constantly transferring my loan from one servicer to another. Its as if the Department of Defense payment were never made. 

Thank you, XXXX XXXX XXXX, XXXX  XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

For the past year, I have been unable to make extra payments online. Whenever I try to make an extra payment, I receive an " error - payment could not be processed '' message ... every single time. In order to make an extra payment, I need to navigate to an option that allows me to use the old version of the website, and then I am able to pay an extra payment. Navigating to the old website is not easy to do, no where does it say you can still do this ( I stumbled upon the option by accident ), and this error has been happening for several months and is clearly an attempt to stop people from paying their loans ahead of schedule.