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

To : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus XXXX, XXXX, TransUnion, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX ( XXXX  ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at awe seeing things reported that should not be there. Please heade to my letters.
Product: Credit card or prepaid card

I just received a receipt notification from XXXX  XXXX that a Discover purchase was made. I do NOT have discover card. Someone open an account under my information i don't know how many accounts were opened under my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a bankruptcy entry currently appearing on my credit report. According to your response dated XX/XX/year>, you have verified this bankruptcy entry through XXXX. However, XXXX has provided me with a report on XX/XX/year>XXXX  indicating that no such bankruptcy record exists under my name. This discrepancy between your report and the XXXX report demonstrates that the bankruptcy entry is not mine and is inaccurately reported on my credit file. 

It is important to note that XXXX does not directly verify bankruptcy records, as courts are the only legitimate authorities that can verify the legitimacy and details of a bankruptcy filing. XXXX serves as a data aggregator, collecting public records from various sources, including courts and legal filings. While they may report on bankruptcy filings, they do not verify the accuracy of the information they collect. The official source of verification for any bankruptcy is the court system, not XXXX. 

Moreover, even if XXXX were to verify the accuracy of the bankruptcy information, courts do not provide bankruptcy information to third-party reporting agencies, credit reporting agencies or anyone other than the parties directly involved in the case. Bankruptcy records are generally available only to the debtor, creditors, and other parties involved in the bankruptcy proceedings, and they are not disclosed to outside entities unless authorized. As such, the claim that this bankruptcy was verified by XXXX is inconsistent with the legal protections surrounding bankruptcy records. 

Given that XXXX has no record of a bankruptcy filing under my name, and the court system does not show such a record, the information on my credit report is clearly erroneous. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are required to ensure the accuracy and completeness of the information reported on consumer credit reports. If you receive a notice of dispute from a consumer, you must conduct a reasonable investigation to verify the accuracy of the information. In this case, you have failed to properly verify the bankruptcy, as evidenced by the conflicting information between your report and the XXXX database. I will provide the public record section of my XXXX report.
Product: Credit card or prepaid card

On XXXX opened a XXXX XXXX account serviced by Citibank which offered a {$50.00} promotional credit. I was immediately approved and used the account information provided to purchase a lawnmower and accessories totaling {$570.00}. I have called Citibank twice asking why the promotional credit hasnt been applied and have just received my first statement showing full purchase amount of {$570.00}. 

I was advised twice that the promotional credit could take up to two billing cycles. So my options are to pay balance in full and then have a credit balance of {$50.00} if they actually apply the provisional credit eventually, or pay balance less {$50.00} and incur interest. This seems deceitful. 

Im sure Im not the only customer this is happening to.
Product: Credit reporting or other personal consumer reports

Rozlin Financial Group Inc. attempted to collect on behalf of my former school, XXXX XXXX XXXX XXXX, which insisted on full tuition payment for what they claimed to be continuing education. It later emerged that the program was a pyramid scheme, enticing individuals to become online coaches promising earnings of $ XXXX {$50000.00} monthly, an utterly unrealistic proposition. The recruitment aspect was concealed initially, a detail I would have found unacceptable had I been aware. 

I provided my credit history, which clearly indicates that had I recognized the loan as legitimate, I would have promptly settled it. I do not condone rewarding dishonest actions. Paying the scammer would only embolden them to victimize more individuals. Moreover, there's no guarantee they would cease collection efforts even if payment is made. 

On what grounds do you label me as delinquent when I owe nothing? It is the scammer who owes me money. I have pursued legal action to expose their deceitfulness. 

The ordeal has significantly impacted my credit score, dropping from XXXX to XXXX. I urge you to rectify this damage by promptly addressing the issue with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were remove from my credit report which were active accounts paid in full and currently making car payment. Each time i call regarding this error I'm transferred numerous of time. XXXX XXXX XXXX XXXX XXXX State the never stop reporting payments. Accounts were removed from my credit report in error and never put back. Calls have been placed several times with no success. I have followed the steps as advised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports
Product: Student loan

I have repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.
Product: Vehicle loan or lease

The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX  to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Product: Debt collection

This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,
Product: Checking or savings account

My dispute is against the chime Bank I have a credit account and a debit account I had a party at my house Somebody went upstairs and went into my bedroom and stole my wallet and they also stole a small briefcase which had a tablet in it and a laptop in that briefcase had my PIN numbers and my banking information and credit card information from every company that I deal with the PIN numbers was not stored in my wallet if they only took my wallet they wouldn't have this information I filed a police report because on XXXX the XXXX at XXXXXXXX XXXX. {$500.00} was deducted from my debit card and from my credit account at a XXXX XXXX  I did not authorize anyone my wallet and briefcase was stolen I filed several disputes with chime Bank they returned the money from my credit card and said that the transaction was illegal however they refused to return the money from my debit card how can you say that one transaction is the illegal other one isn't when they were done at the exact same location at the same time by the same person who stole my wallet and briefcase I am a XXXX veteran I live on XXXX I have no other income I have bills that I can not pay because this money was stolen and my money is not being returned I asked for what information they use to deny my dispute and the only thing they have is the police report that I filed there's no documentation from the bank where this money was taken from at their ATM how come there's no photo of whoever did this I need my money returned they are refusing to return the money from the debit card but yet they return the money from the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference with CFPB Case # XXXX company reply. 

I do not agree to Rise decision as since it was clearly indicated that i called on XX/XX/2017 which i was recalled that if i pay the offer of {$1600.00} there will be no late payment on the account which i accepted and settled the account. I would like to have a copy of the transcript of the call recording made on this day. If they could not provide the recording i would like to have the late payment removed on my credit report. Since the verbal promise was not acknowledged.
Product: Debt collection

On XX/XX/year>, I call Prince Parker and Assoc and I paid the debt owed in full. That same day I was told I will receive an payment comformation letter in 24-48 hours. I didnt get anything. I called back about 3 days later, they again said we will submit a request and get it to you in 24-48 hours. I didnt receive any again. I also disputed this collection account through XXXX 5 times all which was completed without change. I called Prince Parker and Assoc again Monday and they again said the samething. So basically they are not accurately reporting to XXXX this is paid so they can remove it and they refuse to send my payment confirmation so I can provide proof to XXXX to get this account removed. Please help. I am trying to buy a house.
Product: Mortgage

I have prepaid my BB & T mortgage ( which my mortgage agreement allows ) to reduce the principal amount due over many years. I recently was informed that my additional payments were placed in an suspense account that BB & T could use for their purposes and they were not credited toward the principal reduction on my mortgage loan. When I review the past 6 year accounting its obvious that BB & Ts accounting for mortgage over-payments is inconsistent and unscrupulous to the mortgage loan holder. In fact its fraud since my mortgage does not have a prepayment penalty and every retail bank loan officer assures customers that excess loan payments will automatically be credited towards a reduction in principal. I have tried to communicate with BB & T over the past 2 months to no avail. If there is anyone trying to pay down their mortgage before retirement or to reduce the mortgage loan term with BB & T consumers should be very wary! This is time sensitive since BB & T plans to merge with XXXX and I suspect consumer mortgage records may be purged. Perhaps the merger should be blocked until a thorough review of their accounting of additional mortgage payments is reviewed for proper payments of reductions to mortgage principal payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a ( 30 ) day late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.
Product: Debt collection

my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a validation of two accounts listed on my credit report multiple times ... on/around XX/XX/2020, XX/XX/2020 and in XX/XX/2020. I requested information about what the debt listed is for ; how this debt was calculated ; copies of documents where I agreed to pay the debt ; and verification the debtor is licensed in my state to collect on the debt. To this date I have not received any information validating the alleged debt/account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is passed 60 days. You told me it takes 60 days to take off the inquiries. Due to identity theft. Its stkll on my credit report. One from XXXX  XXXX. Other from XXXX XXXX-Fla.
Product: Checking or savings account

I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX credit card, and I added another XXXX XXXX card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by CREDCO, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted XXXX teams, resulting in being bounced back and forth. We have talked to XXXX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Product: Credit reporting or other personal consumer reports

i recently reviwed my credit report and noticed that an account that was not reporting accurately i have 2 late payment on an account that i was in fact paid one time the comsumer reporting agencies need to report all information with complete accuracy this account has no been late on payments ive attached a copy of my report to this complains on the following Account name 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 
Please update the status of this account to " paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert stating my overall debt increased by {$81000.00}. I checked and found out that Equifax is the only one reporting an " additional '' student loan from XXXX XXXX XXXX for {$81000.00}. It just appeared out of no where. The information is a match to an XXXX student loan that should have been deleted due to bankruptcy. They are showing BOTH on my credit and I now have student loan debt of almost 200k. I called them and no one could provide me with a valid number for XXXX XXXX. I called XXXX XXXX and they don't have a number and so here I am with almost 100k of new debt and no one can give me answers. I called XXXX  and they are upset about me including them in the bankruptcy and Equifax will not remove them from my credit even though they have the bankruptcy papers. This new debt appears to be a replica of the other loan ... just under a new name 1. Both opened XX/XX/XXXX 2. both high balances of XXXX But the notes are different. On this unidentified XXXX XXXX XXXX it states : Consumer disputes after resolution Student loan - payment deferred Fixed rate Student loan - payment deferred Account in forbearance How? I have never disputed to have a resolution after the dispute and the payment isn't deferred. My XXXX loan is in forbearance until my lawyer can have a judge make them remove it based on the Federal Courts Judgement. The notes on the XXXX loan are : Student loan - payment deferred Account in forbearance My issue is Equifax ALWAYS reports INCORRECT, DUPLICATE or DELETED information on your credit report and when you call them to point out their error ... .they make you do a 30 day dispute for their error and something that shouldn't be on your credit anyway. Last time they ( Equifax ) put  items from a 12 yr bankruptcy back on my current credit report due to a misunderstanding on their end of documentation I sent in. It is unnecessary stress, disrupts your life, ruins plans, wastes your time and messes with your credit score ... all due to their mistakes or employee mistakes. It isn't fair to me. This is their 4th time just putting incorrect information on my credit report. I have also asked them to delete the notes off my XXXX loan and they continue to lie and say it is done. They need to delete this and the XXXX XXXX XXXX account immediately. That isn't my account. I have attached my credit report and supporting documents for this complaint.
Product: Credit card or prepaid card

I opened an American Express XXXX Card in XX/XX/2021. At the time, the promotional offer under which I applied was for 100,000 bonus points after {$6000.00} in spending. 

Approximately one week after receiving my card in the mail, I received a promotional flyer for the exact same card from American Express. The card was sent to my permanent address and mailed in my name. However, this promotional offered 150,000 bonus points. Feeling a bit bothered by the second offers terms being so much more lucrative in light of the recency with which I had applied, I called American Express to see if anything could be done. 

During one such call, I was informed by an authorized agent of American Express that if I received this conflicting offer in the mail to my address and in my name within a certain period of days of opening my card ( I think it was 60 days ). In any event, we were agreed that I had meet the terms of the offer. The authorized agent then directed me to a location on American Express ' website where I could upload a document substantiating my claim within a category coded " Better Offer. '' He then advised me that, if all was as I had said, I would in fact be eligible for the better offer terms. He made it clear that he was making this assertion after reading from an internal form providing him with guidance ; he informed me that his form made it clear that he could advise me that I should be eligible of all of my claims could be substantiated. Finally, I was informed that if I did not hear back I should simply call to follow up. 

After having thrice followed up since, each time I have been told that his assertions were incorrect and that I am therefore ineligible. However, I find this resolution to be entirely unacceptable and incompatible with CFPB protections, as well as a litany of Michigan consumer financial protections. In reliance upon American Express ' authorized agent 's assertions, I went on using my new American Express card in order to satisfying the required spending threshold of {$6000.00}. 

Had he made a different representation, I could have at that time attempted to convert my card type and make purchases toward a different card 's bonus offer requirement spending threshold. By now, several months later, I have nearly met that threshold.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$780.00} on XXXX wrote several letters and tried calling for removal