23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have the Cash Rewards XXXX Credit Card and used to receive 2.5 % cash back on every purchase. On XX/XX/2022, I received a letter from USAA stating the benefit was being reduced to 1.5 %, but " to show our appreciation for your loyalty, you will automatically earn 1 % cash back, totaling 2.5 %, on Qualifying Purchases through XX/XX/2022. '' I made a purchase on XX/XX/2022 that posted same day at XXXX for {$410.00} and only received 1.5 % cash back.
Product: Debt collection

My credit file is showing XXXX and Truist which are fraudulent and a result of identity theft. Im am not in the XXXX nor do I have any family members in the XXXX. As for Truist, I have never opened a Truist account. The accounts are fraudulent and are a result of identity theft. According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL 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 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 XXXXXX/XX/XXXX.
Product: Student loan

Subject : Complaint Regarding FERPA Violation and Unauthorized Access to Personal Data Dear [ Department of Education ], I am writing to file a formal complaint regarding a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). Specifically, I believe my personal information, including data related to student loans, has been accessed without my consent by external entities, including DOGE ( presumably referring to the cryptocurrency or associated platforms ) and individuals, notably XXXX XXXX, in ways that may breach FERPA protections.

As you may be aware, FERPA grants students and former students the right to control the disclosure of their educational records. The act ensures that educational institutions and their contractors can not disclose personally identifiable information without proper authorization. Based on recent information, I have reason to believe that there has been unauthorized access to my personal educational data and student loan information, possibly by parties not directly related to the Department of Education or the institutions that hold this information. 
I am concerned that my personal data has been accessed by third parties without my knowledge or consent, potentially violating both my privacy rights and the protections granted to me under FERPA. I request that the Department of Education investigate this matter urgently to ensure that my rights have not been violated and that corrective actions are taken.

Specifically, I request : 1. Confirmation of any access or sharing of my personal data, including student loan information, with external entities such as DOGE or XXXX XXXX 
XXXX. A detailed review of how this information was accessed, by whom, and for what purposes. 
XXXX. Immediate action to remove all student loan debt. Ensure my data is secure, and steps are taken to prevent any future unauthorized access.

4. An update on the Department 's investigation into potential FERPA violations and any corrective actions. 
Please consider this complaint an urgent matter, and I request a timely response with details on the steps the Department of Education will take to investigate this situation. 
Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX account # : XXXX XXXX ACCOUNT 4 : XXXX Credit core account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are the name of all inquires that are not mine : 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering the 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX and on XX/XX/XXXX, as well as possibly more instances I was not made aware of, my mother was contacted via her e-mail in regards to a debt I owe. This email gave information that provided who the debt was owed to and for how much. At no time did I give permission for her e-mail to be used as a way of collection communication. I contacted this company requesting how this information was obtained and was simply told this is what we were given so we assumed it was correct. I asked this collection agency to provide the information they obtained and how it was obtained and was told we will notate your file and I will have my director look into this.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the XXXX XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of debt Letter.
Product: Credit reporting or other personal consumer reports

In accordance the faircredit rerporting act acont # XXXX XXXX XXXX XXXX was opened XXXX XXXX XXXX XXXX XXXX  XXXX was opened XXXX # XXXX  XXXX XXXX  was opened XXXX
Product: Debt collection

Comenity Bank calls me upwards of 12 calls a day. I have told them to stop contacting me multiple times about the debt that I am unable to pay for at this time. 

Comenity uses MULTIPLE spoofed numbers to harass me. They also use private ( unlisted ) numbers to harass me. 

Their numbers thus far are : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

The company wornfully charged me double the amount for almost a year despite complaning about it they always threatened me to cancel my services. When I was helped the plan was modified and the amount per month was going to be XXXX or XXXX per month and it happen again the bill started wrong charging me XXXX or more and again I called and complaint and they were forcing me to just pay and to dispute this charge on a different department and because I refuse to do that they decided to cancel the services and also blocked my devices so I wouldn't go to a different wireless provided when the devices are own by me and that I already paid for them they still blocked them stating that I did not finish the contract but in reality they are the ones that changed the amount of the contract and when I reached out to them they awknowledge what they did wrong but they had already cancel the services and I was forced to get a new plan elsewhere since they just ignored all of my complaints. I am willing to go to court and prove the bad services and the wrongfull way this company is stealing money from customers taking advantage of their power and their money to ruin peoples credit and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this same charge off auto account with both bureaus ( Experian & XXXX  ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. XXXX  shows {$3500.00} past due while Experian shows {$10000.00}. Just a month ago, Experian showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, XXXX  shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? Experian is showing Date Last Active XX/XX/2019. The balance is also inconsistent, XXXX  is showing {$10000.00} while Experian is showing {$10000.00}. XXXX  doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. Experian alsways tells me the account is updated as verified and XXXX  never sends me a response except for a darn credit report and its getting really frustrating.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting any discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Ive been a victim of Zelle not protecting its users. The lack of transparency and accountability is astonishingly unacceptable. Which raises concerns for the safety of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant  provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

In XXXX two of my federal student loans, then held by XXXX, were discharged in the TPSLF program. I was approved for a student loan payment rebate check shortly thereafter. XXXX sent the order to the Department of Education who then sent the request to the Department of Treasury. The actual check had an issue date of XX/XX/XXXX in the amount of {$9600.00}. 
Thanks to the USPS Informed Delivery digest I knew to expect the check in my mailbox on XX/XX/XXXX, however, it never arrived. I informed XXXX as soon as the check didn't appear in my mail on the date and again on XX/XX/XXXX I requested a stop on the check and for it to be reissued. 
At some point, the would-be thief attempted to cash it. Fortunately, XXXX XXXX caught and stopped the deposit and contacted me about it on XX/XX/XXXX. The investigator informed me that the check was stopped but advised me to cancel it. I called XXXX ombudsman line again to confirm that the request was entered. XXXX immediately reported it to the Department of Education ( again ) but as of last week the DoE has not acted on it. I contacted the Department of Treasury to check on the status with their agency and neither the order to cancel the original check nor the order to reissue the check has been sent by DoE. I have tried numerous options to contact the Department of Education by no one seems to be able to help with this situation or to know of a way to escalate my request to someone who can.
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had {$110.00} taken from me. It declined on my cash app card, however the money was still taken from my account. I tried several times to receive the money and to complain but I had gotten denied several times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : # XXXX XXXX XXXX  In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( 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

I have seen an unauthorized inquiry placed on XX/XX/2022 on my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against. Cash App ( Block Inc. ) Due to horrible customer service and malpractice issues which violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash App or Block Inc failed to protect users information thus causing a data breach to most users who tried getting assistance from live customer support. As a result, this lead my account to be vulnerable to fraud and theft. Their resolution process was deceptive and it did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have put my account in danger and caused financial loss and a heavy inconvenience. I seek appropriate redress for these specified violations.
Product: Credit reporting or other personal consumer reports

I paid for serviced with the original creditor ( XXXX XXXX ) and they sent a balance to collections that I do not owe. I believe they have done so in error or have my account confused with another customer.
Product: Debt collection

I've asked the company to remove debt from my file completely. I have no knowledge of the accounts.
Product: Debt collection

Experian is reporting inaccurate information and I want them to removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This company pulled my credit unauthorized, I have contacted them and they have not return my call or responded to my email Sometime last week I was contacted by a company who offered me a loan for my business, I was told that they will not be pulling my credit, that the loans were unsecured and not based on my credit but only on my business revenue. By Tuesday ( 4 days later ) my credit had 5 HARD PULLS and had gone from 700 's to the low 600 's. Since then I was denied a LOAN due to this abusive and unauthorized use of my credit report
Product: Debt collection

XXXX has tried to collect this debt for over 2 years. I have disputed it each and every time. XXXX was unable to provide the necessary documentation to validate this debt. As a result they did not respond my original request for debt validation and I received an apology and a letter ( via cfpb ) stating that they did in not validate the request. That they would stop pursuing this. This is just more harassments from XXXX and Jefferson Capital in regards to this matter. I plan on also filing a complaint with the FCC. Attached you will find my original CFPB complaint with an apology from XXXX debt collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Mortgage

Wells Fargo was my mortgage holder and I got behind on my payments so I tried to do a modification twice but was denied both times. I had to file bankruptcy to keep them from foreclosing on my home. They kept not posting my payments to keep me behind on my payments just so they could mess up my bankruptcy process//I ended up having to file bankruptcy a second time just to keep my home. I need to know if I am entitled to some compensation from them even though I was able to struggle through to keep my home out of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA XXXX-XXXX.