23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX U.S. Department of Education Federal Student Aid Ombudsman Group XXXX XXXX XXXX XXXX, KY XXXX Subject : Request for Student Loan Discharge Due to Unauthorized Access and Privacy Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to an unauthorized and unlawful review of my loan records by XXXXXXXX XXXX XXXX This action constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. 

Nature of the Violation It has come to my attention that XXXX XXXX accessed my student loan records without my explicit consent or legal authorization. This action has caused undue distress and potential misuse of my personal financial information. Under FE

RPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), my education records, including financial aid and loan details, are protected from unauthorized access by third parties.

Legal Grounds for Loan Discharge Given this violation, I formally request that my student loans be fully discharged under federal statutes protecting borrowers from unauthorized data breaches and privacy violations. I also urge the Department of Education to investigate this matter thoroughly and take appropriate legal action to ensure compliance with FERPA and other federal privacy laws.

Requested Actions Immediate discharge of my student loans due to unauthorized access and privacy breach. 
A formal investigation into how and why my records were accessed. 
Confirmation that my personal data is secure and has not been further compromised. 
Notification of any corrective actions taken against the responsible party. 
I expect a written response within 30 days outlining the steps the Department of Education will take to address this matter. If no resolution is provided, I will escalate this complaint to higher legal authorities and seek legal recourse for the violation of my rights. 

I appreciate your prompt attention to this serious issue and look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

During the Covid pandemic Wells Fargo wrongly reported damaging information to the consumer credit agencies after making payments on our student loan accounts. The information reported stated that no payments were made on the account which is incorrect. My daughter and I both made several payments in XXXX XXXX, XXXX, XX/XX/21 XXXX, XXXX, XX/XX/21 XXXX, XXXX and XXXX. The reported information has created a negative report which resulted in my credit score dropping drastically. I contacted Wells Fargo regarding the reporting and was told that our payments were insufficient. My daughter and I made our best payment in good faith. I then told Wells Fargo that I am seeking the advice of legal council. Wells Fargo started harassing me calling leaving messages, they sent letters requesting the name of the law firm that I retained and finally added more negative commentary on my credit file to further damage my credit report. The most insulting part of this is the people who sign off on the letters mailed only put their first name and last initial. When I called to speak to the person who is the executive that signed authorized the additional damaging narrative they were not available. Wells Fargo caused damage to my name and credit, as well as my daughters.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have used Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX  Not Proven Compliant Account -- > XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

Sychrony Bank, XXXX, Utah ( Seems to be the Credit card manager for Lowes credit cards ) has been charging me late fees and crazy interest for a Lowes credit card the store pressured me to open, explaining how great the card was and low the interest rate would be. In XXXX minues at the register she said i was signed up and after reviewing a few statements I quickly realized that was not the case at all. Every month thereafter I was charged about {$70.00} per month in fees and interest. So when I paid a monthly amount of {$100.00} only {$30.00} was coming off my overall balance? I wrote them, questioning this, and they immediately lowered my credit limit to the exact anmount I owed, and I further explained to them I will be reaching out to the proper agency to expose them for what they are -THIEVES! 
I finally after about 6 months paid the entire balanace off, but a {$1000.00} credit card balnace, cost me over {$500.00} in fees and interest, to have for 6 months. Something is very wrong here. How many good americans are getting the same selljob, and then getting the complate opposite and further trying to punish me for calling them out on it ... ..in my opinion, that is the bigger problem here, for they are a US fudiciary and bank, and should be holding themsolves to a much higher standard. Thank you for reviewing this problem.
Product: Debt collection

I have taken a personal loan, from XXXX XXXX, on XXXX amount I have taken, is {$6000.00}. 
I continued to make monthly payments, {$250.00}, as agreed, until XX/XX/XXXX. I was unemployed ( Terminated by Employer ) since XX/XX/XXXX, and unable to make payments as agreed and continued to pay half of agreed monthly amount, {$120.00} until XX/XX/XXXX. The Creditor, has not deducted the payments, which I made from XX/XX/XXXX to XX/XX/XXXX. The Credit balance {$4800.00} has brought forward from XX/XX/XXXX to XX/XX/XXXX, without deductions and the Account has Charged Off on XX/XX/XXXX, with a balance of {$4800.00}. 
The original Creditor, had sold the account to Oliphant Financial LLC, and received the confirmation Letter dated,XXXX. 
Then I received a letter from the new Creditor, Oliphant Financial LLC, on XX/XX/XXXX, with an increased balance of {$5000.00}. There was no reason for increased amount. 
I have informed the Oliphant Financial LLC, about my Financial hardship, as a result of my 30 % XXXXXXXX, my old age of XXXX years, and unemployment situation.
Product: Student loan

Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .
Product: Checking or savings account

its been a long time it was back in XXXX later they charged me overdraft fees when i wasn't over drawn.as well as amt fees that they said was free. And money taken from from company 's i didn't give concent to
Product: Debt collection

I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XXXX of 2015 I began consolidation of multiple student loans. College Foundation of North Carolina was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. College Foundation North Carolina admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. CFNC was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.
Product: Mortgage

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Equifax,   XXXX   XXXX   )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Bankruptcy on transunion report. According to XXXX XXXX the account wasn't able to be verified.
Product: Money transfer, virtual currency, or money service

I received a wire deposit on XXXX XXXX into my Chase business account.On XXXX XXXX chase froze my funds and when i tried to log into my account it was closed.I have spent numerous hours on phone and traveling back and forth to local branch.Chase says they need to verify funds and speak to sender.I have given them all phone numbers to company and chase claims they can not verify numbers in there system to reach out to sender so i am stuck still waiting on my funds and have no solutions.I have submitted all documentation to chase bank.My business XXXX along with wire confirmation from sender along with my finance contract showing my legal name the business legal name with my social and tax payer id on all paperwork
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged on to my TransUnion account and tried to unfeeze my account. The online service won't unfreeze so I called up trans Union. They also refused to remove the freeze. I want the account unfrozen for a week from XX/XX/XXXX to XXXX. 

Transunion is refusing to do that,
Product: Debt collection

I am receiving bills for an account that I do not have and for purchases that I have not made : Synchrony Bank XXXX. XXXX XXXX XXXX, Fl XXXX. 
XXXX I am receiving bills in the amount of {$4400.00} with an account ending in XXXX. I do not have an account with PayPal or Synchrony Bank. I have not made any purchases. I believe this to be fraudulent. The phone contact wants my Social Security number. I refuse to give them any information. 

Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I noticed a big drop in my credit score on XX/XX/XXXX, and found out it was due to an account that was resolved with a previous collection agency. The new debt collector which I have disputed with all credit bureaus last week is LJ Ross Collection Agency. They are saying I owe a past XXXX ( electric company in XXXX ) bill of {$2500.00}. That is entirely false, as I do not owe anything. When this was in previous collection a few years ago, the case was resolved, as XXXX did not find any bills in the past 10 years for me, except a few months in XXXX, which I paid ( {$60.00} per month ). 

I have no idea why they are trying to collect again, especially since after I called XXXX , they couldn't even find any bill. 

When I called LJ Ross last week, they said my only choice is pay it, and I'm not going to pay for anything I do not owe and has previously been resolved.
Product: Credit card or prepaid card

I signed up for a Capital One XXXX XXXX card on XX/XX/XXXX with a promised {$300.00} " annual '' travel redeemable through their online travel portal. ( I spend XXXX a month on Capital One cards, with always paying my bills on time. ). I was planning on using that credit now. They told me on the phone, earlier in the year, that the credit expires on the anniversary of my receiving the card, ( and so it seems online too ), so I made a note for myself in my calendar to spend that {$300.00} before my anniversary date. 
On XX/XX/XXXX, for an upcoming trip, I tried to book a trip through the travel dept. to and spend that credit ( before the anniversary date ), and I decided to triple-check with the company that my year had indeed not come to an end. But, after giving me conflicting opinions and spending an hour+ on the phone, they are refusing to honor the credit! Capital One is saying that the " year '' for my credit is determined by when the annual fee generates, which was on XX/XX/XXXX - almost a month PRIOR to anniversary date! 
It seems impossible that an annual credit can be valid for only eleven months. It seems to be totally dishonest and unreasonable for a customer who is pending {$390.00} to hold this card, to be expected to know that the credit expires on a totally separate " anniversary '' date that they were told earlier! I, as an outstanding customer, should not have to spend hours and jump through all these hoops just to receive something they promised. It is now a real matter of principle for mas as they are taking advantage of unsuspecting customers. For shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Checking or savings account

On XX/XX/2022, a check was written by me from a XXXX XXXX XXXX checking account in the amount of {$6200.00} for a monthly rent at an assisted living facility. On or about XX/XX/2022, the check was apparently stolen from the XXXX Postal Service at some point in transit. The thief washed the check, changing the payee and the memo line on the check in an obvious and sloppy attempt at manipulating the check. I discovered the fraud in mid-XXXX  and filed a claim with XXXX. XXXX lost the original claim, and a new claim was filed in XX/XX/2022. After repeated inquiries on my part, I learned that the check was deposited by the fraudster into a Bank of America account via an ATM machine. XXXX also claimed that Bank of America was not responding to inquiries regarding the check. I reached out to Bank of America directly and they stated that they would have responded to XXXX months ago. I also reached out to Bank of America and they stated via e-mail that there was nothing they could do as the fraudster has closed the account. Now my elderly parent is out {$6200.00}, due to Bank of America failing to catch a clearly manipulated check, and XXXX dragging their feet on per suing the matter in a timely manner.
Product: Credit reporting or other personal consumer reports

I have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount