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

My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by XXXX XXXX XXXX  serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). 
This breach allowed my personal and financial information to be compromised by The XXXX XXXX XXXX XXXXXXXX and XXXX XXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. 
Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. 
Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.
Product: Debt collection

What is the point of consent order : XXXX if the credit collection agency does not have to follow it and the courts ignore it? 

I provided the order in court and the credit collection agency squashed it and the judge would not let me use it to refute the character of the credit collection agency. In fact when I asked the custodian of record was he familiar with the order he said he had never even heard of the order. And the lawyer for the credit collection agency was not concerned about the order as well. In fact he treated it like it was a peace of paper that need to be placed in the garbage. 

A judgement was issued against me based upon the invoices from the original creditor and a bill of sale that did not list my account or connect me in know shape or form to the collection agency. The bill of sale was filed 1 hour before the trial with the courts despite both sides agreeing to participate in discovery. I know you ca n't help me but I just wanted you to be aware that portfolio recovery is not following the consent order and its employees are not even aware of the consent order. 

I am attaching documents from the court case to this email to verify my concerns to you. All the records are public domain. Here is the website for the records XXXX and here is the case number XXXX. 

If you do not have the authority to make them comply please let the public know because if I knew they did n't have to comply I would have settled with them back on XXXX XXXX 2015. I looking forward to a response to my question.
Product: Bank account or service

I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 3rd time reaching out I am Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct, and I do not give permission for these accounts to be on my credit report. Please Delete.

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Mortgage

I was illegally foreclosured on in XXXX of 2019 by Wells Fargo. Accout # XXXX I have not receive information about the remediation I hired a lawyer, we failed in stopping the foreclosure. Took them back to court to overturn the decision. Failed ended up settling with the bank, lost over $ XXXX in equity. 

Did not receive my full payment for last portion of settlement. Disputed this and in court they only agreed to give me half if the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS NOT REMOVED AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDULENT AND I NEVER LIVED THERE. IVE CALLED THIS COMPANY AND SENT DOCUMENTS FOR PROOF OF ADDRESS AND STILL THE ADDRESS WHICH IS XXXX XXXX XXXX XXXX NEW YORK IS STILL LISTED ON MY CREDIT REPORT. MORE RECENTLY I SEE THAT THERE IS AN INVESTIGATION IN PROGRESS FOR EACH ONE OF MY CREDITORS ON THE CREDIT REPORT AND I DID NOT DISPUTE ANYTHING ABOUT MY CREDIT ACCOUNTS. I ONLY DISPUTED THE INCORRECT ADDRESS BEING LISTED. THEY STILL HAVE NOT REMOVED THE XXXX ACCOUNT THAT IS NOT MY ACCOUNT THAT IVE BEEN DISPUTING SINCE XX/XX/2018. IM SICK OF THIS COMPANY AND THEIR PRACTICES IT SHOULD BE ILLEGAL WHAT THEY DO TO CONSUMERS. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NEW YORK.
Product: Mortgage

My work income was severely affected by the get-go of the Pandemic and i fell behind since XX/XX/XXXX- I am a XXXX XXXX and visit Clinic & Hospital Facilities ; as of XX/XX/XXXX- I signed for Forbearance for my loan # XXXX with XXXX aka XXXX until XX/XX/XXXX when I was entered into 3-month Trial Period for XXXX, XXXX XX/XX/XXXX -- which I paid religiously on time but XXXX sold my Loan and the new Fay Servicing claims they did not receive any documentation from XXXX showing that I was in compliance and locked Loan Modification for they to continue and honor the agreement. Last documentation with XXXX instructed me to start new payments to XXXX as of XXXX XXXX but XXXX is playing hide-go-seek with me, not returning my Tre-Way-Calls, not responding to my multiple emails and lastly their website is not allowing me to make any payments but instead, they want me to sign a Deed-in-Lieu ( every email i have submitted to them includes the documentation, the Loan Modification duly Notarized and my XXXX XXXX XXXX Statements reflecting the days those payments posted and cleared. 
To help myself avoid all this mess I signed a contract and paid {$750.00} x 5months to XXXX XXXX so-called Real Attorneys out of California, ( Deposit directly on their XXXX XXXXf XXXX Checking Account ) between the months before entering the Trial Period with XXXX, but they just took my money every month and who knows how many other homeowners have been victims of this nonsense - scam - and malicious criminal activities since the beginning of the Covid-19 Pandemic times. I have documentation and all kinds of recorded conversations, receipts, bank statements, and email traces to back my story ; i have the money to make my payments to XXXX but they don't want my money, they want just to take my home away from me to leave me in the cold without roof over my heads because my house is sitting on a pile of equity, it is on a piece of huge land and they want to Foreclosure me to Sell for Big Profit. That there is criminal and can not go unpunished. 
I reported this also to Ms XXXX XXXX at the local XXXX and provided her with all details, emails, documents, receipts, Bank Statements ; someone has to HELP me- Please. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX -- Home XXXX XXXX XXXX XXXX NC XXXX
Product: Debt collection

I was notified this month about an order to appear for individual judgment. I was unaware of what this was about and called the court office. The clerk informed me this was regarding : XXXX XXXX  for the amount of {$580.00}. The clerk mentioned it might be easier to deal with the issue than getting garnished. On XX/XX/XXXX, I called the law firm of XXXX XXXX XXXX, attorney for the plaintiff. This was my second call to them since XX/XX/XXXX, when I learned about the alleged debt. I do not even have this debt on my credit history. 

On XX/XX/XXXX, I called to see what arrangements could be made. I was told on XX/XX/XXXX that they had an order to garnish my wages, so I could either go to court for the garnishment on XX/XX/XXXX or make arrangements with them. With both calls, the same woman answers, and I never know anything about this attorney, nor does she answer as an attorneys office. The amount on my court paper is {$990.00}. During the call, I was asked about my wages and what arrangements I would like to make. I was told that due to my wages, I would have $ XXXX taken out for garnishment. I offered an amount to settle on since they said nothing else could be done. That {$500.00} offered was denied. The woman said the client would not accept such a low amount. She then told me the amount of the alleged debt was {$1500.00}, which includes an 8 % annual fee since XXXX. 

I told her that is not the amount I saw before me, and she told me the courts gave me the wrong information because they never included the 8 %. I said that amount was ( explicit ) crazy! she threatened to hang up on me if I cursed again. She said to make smaller monthly payments that I feel comfortable with, and I would have the option to call them if I can't make the payment versus having a garnishment and not having this flexibility. She also said that they would go back to the judge and ask to continue with the garnishment if I did not make a payment on the agreed amount. 

I told her I could pay {$20.00} a month. I told her that due to my permanent XXXX, this amount is doable. She accepted the offer. However, she realized I said {$20.00} and not {$200.00}. She got upset and told the client would not take that ; she started she had wasted 20 minutes of her time talking to me and hung up the phone. 

I do not feel that I am dealing with a lawyer as the name and contact information shown on my court order. It was unfair to accept my offer and then refuse it based on her mishearing. I was unaware of this even going to court. I was diagnosed in XXXX with XXXX XXXX XXXXXXXX and have been consumed with medical issues and XXXX. I recently had a XXXX  and am still dealing with health issues and XXXX. This judgment was made without my knowledge ; they have threatened to withhold {$600.00} from my wages, caused emotional distress/anxiety, and treated me unfair and rude during communication.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to a fraudulent investment firm. ''
Product: Mortgage

My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through XXXX. We got it the day before our first payment was due. At this point we were already set up for payments with Freedom Mortgage so we paid Freedom Mortgage on XX/XX/XXXX. The money was taken out on the XXXX, but was never transferred to the new servicer. They said we could pay them up until the XXXX. After the XXXX we pay XXXX, as it was transferred on the XXXX of XXXX. We let XXXX know and gave them to confirmation number on the XXXX after we made our payment. My husband has called Freedom Mortgage every week since the XXXX of XXXX asking about the transfer and each time they say we have a different amount of days to transfer. One time it was a week, another 45 days, another 60 days to transfer it all starting at the date of the call. They keep giving him vague answers and keep giving excuses for why it wasnt transferable. The first excuse was that it was a holiday so it would take longer to transfer. Another was that we owed in XXXX but our first payment wasnt until the XXXX of XXXX. At this point Im concerned this isnt going to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX my wallet was lost. I reported the loss to my bank, USAA, immediately as required but by the time I had noticed my wallet was gone, the next day someone had used my card to withdraw approximately XXXX dollars and used it for an unauthorized charge of about another XXXX. I called USAA and froze my card and let them know those transactions where unauthorized transaction. On XXXX XXXX USAA denied my fraud claim stating that pin authorization means that said transactions where authorized by me. This was not the case, I've told USAA that there where six different atms used and everyone one of them likely has a security camera that would show someone other then me withdrawing cash from my account. I have called USAA again but it seems to no avail. All I want them to do is pull the footage from the atms to see it was not me making those transactions, it seems this case would be a very easy one to prove.
Product: Credit card or prepaid card

I called Bank of America due to a double payment. XXXX, they still havent gave me my money back. It was taken off as a credit balance on XXXX. I still dont have my money
Product: Credit card

orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reported the fraudulent transactions on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AN XXXX XXXX XXXX I noticed that you only removed them from 2 credit bureaus and not Equifax also. These were all fraud transactions and I am a victim of identity theft and would like these incorrect inquiries removed immediately off my credit report. I never authorized those accounts and my name is misspelled on the accounts. I was young and knew nothing about these transactions there is a balance of over XXXX $ in fraud trans actions with my ssn.
Product: Debt collection

I am reaching out again to request validation of debt. I have not been able to get any responses. I am not sure if I have the correct address for the company so I am doing so here to be sure someone responds to my requests because they are hindering my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally complain to EXPERIAN about the following inaccurate items reported on my credit with Experian and request that they be investigated immediately. COMPANY NAMES : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX these accounts should be removed to show my true credit history as these items should not be on my report. Pursuant to the Fair Credit Reporting Act, I will expect you to complete verification within 30 ( thirty ) days. As this is a mistake and these accounts do not belong to me, I request that you send me the following proofs, as you must do so in accordance with the Debt Collection Practices Act, Section 1692g. 1 ) The original application or contract 2 ) Any statement allegedly related to this debt. 3 ) Any and all canceled checks. Under the law, you have 30 days to supply these tests. I am attaching a copy of a letter, asking you to verify the alleged debt that your company says I owe. It has been over 30 days since I sent that letter, and I have not yet received proof ( contracts, check payments, reporters, etc. ) that I have validated the debt. Therefore, in accordance with s.1692e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information " ... known to be false, or should be known to be false ... '' can not be Reported to any credit bureau , I request that you immediately remove this false and misleading information. information from my credit report. Please send me a copy of my updated credit report as soon as the above is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Creditor Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed XXXX XXXX account through Experian. Experian seems to say everything is verified but refuse too send me the actual method of there verification. What I cant understand is how did Experian Verifiy that the debt collector has the legal authority to collect on this debt, when XXXX XXXX refuse too send me the consumer any validation paperwork relating to there ownership of the debt. Experian refuse to accurately investigate the validity and legality of the XXXX XXXX account. ( Please explain too me how Experian can make it so hard for the consumers too remove illegal items from there credit report.
Product: Credit reporting or other personal consumer reports

THERE IS A UNAUTHORIZED FRAUDULENT INQUIRY ON MY CREDIT FILE THAT HAPPENED ON XXXX REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.
Product: Checking or savings account

I am a victim of the 2016 " XXXX  Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block multiple XXXX  accounts appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I have repeatedly disputed this information. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Equifax continues to report this inaccurate and damaging information These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit card

XXXX : XXXX XXXX XXXX Account Ending : XXXX ( XXXX XXXX ) The XXXX  XXXX XXXX  logo appears on the credit card in question and XXXX XXXX XXXX is the credit card company servicing the XXXX  XXXX XXXX. The XXXX XXXX XXXX  's logo is on all of XXXX 's billing. 

I had a credit card with XXXX XXXX XXXX, the card had a " valid thru '' date of XX/XX/XXXX. XXXX sent me a replacement card to continue with the account that was " valid thru XX/XX/XXXX ''. I elected not to continue with XXXX and in either late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX and cashed in any remaining reward points and to tell them that I would not renew the newly issued card, that I wished to end my account with them at the end of XX/XX/XXXX ( so I never took the steps to activate the replacement card ). XXXX ignored my request to end that association and honored a bill from " XXXX '' that evidently came to XXXX on XX/XX/XXXX. I spoke to XXXX  representatives from XXXX and they refused to listen to any logic or reasoning. I asked why would XXXX honor a billing on an expired account and they refused to answer ; instead they demanded payment. I then contacted the XXXX  XXXX XXXX  and explained the situation ; showing bank XXXX  my documentation, they also contacted XXXX and ran to the same " brick wall '' I did. Unable to reason with XXXX, the XXXX  XXXX XXXX  paid XXXX 's bill themselves. When XXXX of XXXX 's representatives took the time to review their computer notes on my account, he acknowledged that I told them to end my account ( in either late XX/XX/XXXX or early XX/XX/XXXX ). Unknown to me, I somehow had an auto renewal agreement with XXXX and XXXX was using that as an excuse to honor XXXX 's billing no matter if my account was active or closed. I then reached the obvious conclusion that XXXX would honor any claim with anyone who had my old credit card number ( including thieves ). This still remains a disturbing concern. I recently checked my account with XXXX and now, XXXX indicates the old credit card is shown as invalid for any future charges.