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

To Whom It May Concern : I am writing to formally file a complaint regarding a breach of my protected financial aid records and other sensitive personal information. As a student borrower, my rights have been violated due to unauthorized access to my financial aid records, including but not limited to my Social Security number, banking information, and mailing address, without my consent. 
This breach has put my personal and financial security at risk. I became aware of this issue on [ date you discovered the breach ], when I was notified that unauthorized individuals had accessed my records, or when I noticed suspicious activity related to my financial aid or personal accounts. 
The specific violations I wish to bring to your attention include : XXXX. Unauthorized disclosure of my protected financial aid records to unauthorized individuals. 
XXXX. Compromise of my Social Security number, banking information, and mailing address without my consent. 
XXXX. Failure of the responsible entity to take adequate security measures to protect my sensitive data. 
This violation directly contravenes the Family Educational Rights and Privacy Act ( FERPA ) ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which mandates that educational institutions receiving federal funding must protect student records from unauthorized disclosure. The U.S. Department XXXX XXXX XXXX for Civil Rights has consistently upheld that such breaches constitute serious violations, warranting immediate investigation and remedial action. 
Furthermore, I would like to bring to your attention the current members of the Department of Education responsible for overseeing compliance in this domain, including U.S. XXXX XXXX XXXXXXXX XXXX XXXX and key officials within the XXXX XXXX XXXX XXXX. Their oversight is critical in ensuring adherence to federal regulations protecting student borrowers. Additionally, allowing individuals such as XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ), XXXX XXXX ( engineer at XXXX and XXXX ), and XXXX XXXX ( XXXX Engineer in the Office of the Secretary, former XXXX intern ) to have access to protected financial aid records violates FERPA. These individuals are not affiliated with the Department of Education or any relevant federal agency and should not have access to sensitive student data. 
I respectfully request that [ Organization Name ] conduct a thorough investigation into this matter and take appropriate actions to ensure compliance with relevant regulations. Additionally, I would like to be informed of the findings of this investigation and any corrective measures that will be implemented to prevent future occurrences. 
Thank you for your time and attention to this serious concern. I look forward to your response and to the necessary steps being taken to protect student borrowers sensitive information. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint to the CFPB concerning Amex improperly closing my account and confiscating my XXXX points. In response to that complaint, Amex submitted a reply asking me to contact them to discuss my point redemption options. I have contacted Amex no less than 4 times but they are now refusing to give me my points, which is contrary to the letter response to my first complaint. Amex is a dishonorable and crooked company.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Vehicle loan or lease

Ok so the Credit Acceptance calls several times daily are irritating. let me tell you why .... 
1. ) Covid XXXX up XXXX 2. ) My husband left XX/XX/XXXX and stuck me with every single bill 3. ) I lost my job due to covid XX/XX/XXXX and WAS NOT eligible for unemployment 4. ) I have a XXXX  that has XXXX XXXX and XXXX 5. ) THEY TOOK OUT DOUBLE PAYMENTS FROM XXXX, XXXX, XXXX & XX/XX/XXXX that I DID NOT AUTHORIZE!!!!! 
6. ) Because of said double payments being taken, I technically didn't owe a car payment until XX/XX/XXXX BUT they claimed I was several months behind even though I wasn't because of the non-authorized payments being taken. 
Now, I have been without a vehicle since XX/XX/XXXX because the repo 'd and I'm not able to get my XXXX  to her XXXX treatments. So no, when they call, I will not answer. I made {$480.00} wages in XXXX because of covid. That's less than my car payment of $ XXXX. My tax money from last tax season was set aside for that payment until they took out double payments. So yeah, please tell me why I should answer my phone when they are this terrible. I had a XXXX XXXX ... .which isn't the car I wanted originally. I wanted one that was cheaper that I would be able to pay off in 24 months not 5 1/2 years at $ XXXX but they refused to approve a cheaper car in my budget. 

Sincerly, A very XXXX off ex-customer XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report! 

The details of the subject account are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 {$2700.00}
Product: Credit card or prepaid card

This account was opened in my name. I do not have any correlation upon opening this account of the date it was opened.
Product: Credit reporting or other personal consumer reports

I have a Capital One account reported on my XXXX that is not reported on any other Bureau and Capital One has no information on this account as well. XXXX refuses to provide the full account number. 

I requested it to be investigated, they responsed each time that the account was verified. 

That's not possible. It is the only account with Adverse Information in the credit report attached. CAPITAL ONE XXXX Capital One has no record of these late payments account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to get approved for a gone and I was denied because I had too many inquiries on my TransUnion credit report. have 5 unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I manage my money very carefully because I am on a small budget and I made purchases in a certain order so that I would be able to afford what I needed until my direct deposit went through. I made several small purchases ( ranging from $ XXXX {$25.00} ) and then the next day one large grocery purchase which I knew would overdraft my account but I was willing to pay an overdraft fee in order to get groceries. The small purchases were already showing being taken out of my account at this point via the app. Two days before my direct deposit was to go through Citizens Bank rearranged the order of the purchase so that the {$100.00} purchase was taken out first ( although it was made last ) which took all of the money from the account and then caused all of the smaller purchases to incur overdraft fees which equaled to over {$400.00} at that point my account was negative that amount. They then allowed a few more small reoccurring charges to go through to my account which then also incurred overdraft fees but then those charges were reversed and I had to pay them a different way but they are still showing on my citizens account and the overdraft charges still occurred. At this point my bank account is negative by over {$1000.00} all of that being overdraft fees or fake charges that I have already paid through a different method. I have since shut off my direct deposit as I can not pay that and feel Citizens Bank should reverse these charges because this is predatory behavior which they have been sued for in the past.
Product: Debt or credit management

I have recently viewed my consumer file and i have noticed that the inaccurate items on my account have not been removed nor updated. I disputed the validity of these items over XXXX calendar year ago. What i have recently learned is that XXXX did a thourough investigation and managed to make the proper updates to my account. The issue is now with XXXX and XXXX. These companies have neglected their duties to provide XXXX  % accuracy with proof of claim. 15 u.s.c. 1692 violation of my consumer rights.
Product: Mortgage

My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. Thank you
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX
Product: Credit card or prepaid card

Dear Sir/Madam, I had a checking account and a secured credit card with Citi. A Citi rep later helped me cancel my checking account but did not cancel my secured credit card. 

Because Citi cancelled my checking, they deleted my Citi online account. 

I later received an email from Citi saying that I had a $ XXXX credit card bill that needed to be paid. I tried logging into Citi to see the transactions and to pay any balance. But I could not because Citi deleted my online account. 

I tried to sign up for another Citi account but I had lost my credit card. So I tried to call Citi to get a replacement card but they wont let me speak to an agent. 

Citi 's automated chat wants my SSN or debit/credit card number to proceed.

Every time I enter my SSN, it says it is not recognized.

There is no other way for me to contact Citi.

Now, Citi has added late fees and my bill is like {$100.00}. 

I need Citi to remove these late fees and issue me a new credit card.

Thank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed there were late payments still showing on my credit report. These are old 30 day lates. I had contacted the companies at the time this occurred and they informed me that due to my excellent relationship with them, that the late payment would be taken off of my account. This did not occur as I now see that these lates are still showing on my credit report. I reached out to the companies again, but have had no response. I've attached a copy of the letters that were sent to the agencies but have now addressed them to each of the credit bureaus. 

I also am disputing hard inquiries across all three bureaus. The inquiries I'm disputing are during the time I was purchasing a vehicle, but there are several other institutions listed on my report that did not secure my loan. I need all of those removed please. I did call each of the bureaus to get those removed but they did not remove them.
Product: Debt collection

They took like XXXX payments of XXXX after I filed XXXX  XXXX and they were included and they updated there records in may but never refunded my XXXX payments and a down payment was made with the purchase they just updated my acct to reflectXXXX XXXX and charged off the last payment but never refunded my money
Product: Vehicle loan or lease

I am writing regarding ongoing difficulties with my Ally Financial account. Despite my repeated attempts over several months to resolve my delinquency and avoid repossession, I was not made aware of all available assistance options until recently. 
On XX/XX/year>, at XXXXXXXX XXXX, I contacted Ally Financial to discuss alternatives to a loan modification for retrieving my vehicle from repossession. Only after I mentioned consulting with a lawyer did the customer service representative inform me of two options : Making a payment of {$2100.00} before XX/XX/XXXX Applying for Ally 's catchup assistance program I find it concerning that the catchup assistance program was not presented as an option during my numerous previous attempts to resolve this situation. Had I been informed of this program months ago, I could have avoided the repossession altogether. I had specifically inquired about the possibility of deferring payments to the end of the loan term to bring my account current but was not given complete information about my options.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 maccordance 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the aceounts below :
Product: Prepaid card

I am a temporarily layoff employee and have gone through one round of unemployment, I received my benefits for the first week ( XX/XX/year> ) and when I went to use the same card today ( XX/XX/year> ) I was given an " card is invalid '' error. I phoned the US Bank Reliacard customer service to remedy and was told I need a new card and needed to be charged {$15.00} for expedited mail or wait 2 to 4 hours to see if the card would work and that there have been other Oregon Reliacard holders having the same issue. I waited the 4 hours and it still wouldn't work, same invalid card error, so I ordered a new card with {$15.00} fee refunded.
Product: Mortgage

SPS Servicing refusing an additional 6-month forbearance per CARES Act guidelines even though my mortgage is held by XXXX XXXX, as recently as XX/XX/XXXX. This is my third complaint on this matter. Refer to Complaints XX/XX/XXXX ( CFPB XXXX ) and XX/XX/XXXX ( CFPB XXXX ). Principal balance : {$26000.00} Nothing in my credit history indicates me as a credit risk. No late payments or non-payment on mortgage during the time periods with SPS or XXXX before them and few on XXXX  XXXX XXXX before them ( when in XXXX I missed payments and requested an adjustment, which became a re-finance ). Thats 20 years of good payment. There is nothing in my history to indicate that I am not a good payer of my debts. 

In XXXX, I asked for a payment deferral by SPS and that was done ( It was not the first forbearance as Ms. XXXX XXXX XXXX XXXX stated on Tuesday, XX/XX/XXXX. I requested a formal 6-month forbearance provided by the CARES Act in XXXX and was eventually accepted ( with a lot of effort ). At that time, there was no mention that my account was not subsidized by XXXX XXXX. In fact, XXXX XXXX does hold that and if default happens, they guarantee the loan. So, XXXX XXXX is the investor they keep talking about. 

I made the 2nd forbearance request early. I started in XX/XX/XXXX and was told by Ms. XXXX that it was too early. I made again in XX/XX/XXXX and then again the first of XX/XX/XXXX. In the interim, SPS set up a Loan Modification to forestall my getting another 6-month forbearance as I had requested. 

Therefore, I am asking again that my request for the 6-month forbearance extension by SPS be honored and initiated for XX/XX/XXXX to XX/XX/XXXX during this time of extreme hardship for me. I think they have all the information to honor this request including the telephone call script with Ms. XXXX on Monday, XXXX XXXX, XXXX. 

My request to CFPB is that instead of just passing letters back and forth that you really read the information I have provided and intercede on my half and enforce and protect. It is not my wish to start making late payments at XXXX, nearly XXXX years old.