23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Citizens Bank XXXXXXXX
Product: Credit card or prepaid card

I received a pre-approval offer on my Chase mobile banking app for the Sapphire Preferred Card in early XXXX of 2022. The offer included XXXX bonus points if I spent {$4000.00} within the first 3 months. I signed up for the card through the website and was approved. After exploring the rewards page, the offer I had received was now only XXXX bonus points instead of the XXXX bonus points as reflected on the offer I received on my account. I then contacted Chase Sapphire Preferred Customer Service and, after explaining the circumstances, I was told that if I spent {$4000.00} within the first 3 months and qualified for the offer of XXXX bonus points, I can call the customer service number again to file for an escalation for the XXXX other points that was encompassed, in full, through my original offer of XXXX bonus points. However, when I called back, I successfully processed the escalation and was sent an electronic letter about 10 days later and received notification that my escalation was denied - Your account isnt eligible for the offer you requested. I was misled by Chase Customer Service, to make a purchase of {$4000.00} and had not received the offer I was provided with. One of the reasons I signed up for the card was because of the XXXX bonus points I received when making a purchase of {$4000.00} within the first three months of accepting the offer and being approved. However, even after following the instructions from the customer service representatives I spoke to, I was advised I would receive the XXXX points that were missing from my account as I was only given XXXX bonus points. The customer service representatives also told me that there was no way to contact Card Member Services, who provided the letter I received, and that the Customer Representatives themselves dont even have any contact with them. Not even by mail, phone, email, or other methods of communication which were not possible. Because of this, I was informed that there was no way for them to provide further information or to get further assistance with my issue on my account. I was misled while also following the instructions provided to me by the Customer Service Representatives at the Chase Sapphire Preferred Card contact number
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX XXXX XXXX of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/2024 without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting act XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 Section 602A states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 UPDATE all information which can not be verified. 

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

Since you claim youve verified the accounts 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 THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America Prepaid Services, was contacted by I to file a claim for {$1900.00} that was fraudulently taken from my account on XX/XX/XXXX and XXXX XXXX. Bank of America employee informed me that the claim had been filed and that it would take six to eight weeks for the investigation to be finalized. Fast forwarding to XXXX XXXX with no information communicated to me by Bank of America within the time period that was specified by them, I contacted Bank of America back and was told that my claim was never filed.So then Bank of America proceeded to file a claim that day and they stated that I would be credited my funds between a ten day period of the investigation. Now, three days after ( XX/XX/XXXX ) I am being told that my account has been frozen with Bank of America and that I should contact Unemployment services to have this issue resolved. After I spent four strenuous hours on the phone with them they concluded that nothing was wrong on their end and they don't know why my account was frozen.I contacted Bank of America back to inform them that there was nothing wrong on EDD side and that EDD had emailed them of this alleged non existent issue on the same day they still said there was nothing they can do from me and now my account is frozen without funds to support my basic means of living. I am now completely without any expenses. I inquired about emergency funds and then the supervisor proceeded to tell me there's nothing he can do for me, without even requesting or looking into any action that could of been done on their end.The only thing that the supervisor did inform me was that an action wqs filed by another employee to unfreeze my account but it can take weeks. I am devastatingly at a loss with no fiances to survive because of Bank of America Prepaid, their misinformed policies and horrible customer service representatives. I truly felt as if I followed their rules to the best of my knowledge and gave adequate time for them, to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get someone from Equifax to help with the removal of accounts on my credit report. I have called for the last week 3 to 5 times a day. I get hung up on when I ask to speak with a supervisor or they can't get me to a supervisor. I asked to file a complaint I was told I had to go through Equifax to file a complaint on Equifax and they would send it over to their dispute center to investigate. I have been told by and Equifax employee to go through a third party to have the accounts removed and told by Equifax employee they don't remove accounts over 7 years without the approval from the company I am disputing because they can choose to keep it on longer than 7 years. I have disputed the same items on XXXX and XXXX with no problem they take the time to listen to you. Equifax representatives wouldn't even listen to me they just talked over me and tell me no one else could help me they just going to tell you the same thing I am and wouldn't transfer me to speak with a supervisor. I am starting to feel like they are racially profiling. Equifax is not here to help find the truth and don't show any respect towards the consumer. Equifax can see the facts, but still want help.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history.. I have asked to have them updated to paid as agreed, paid on time, never late. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE IN EACH ACCOUNT LISTED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE : ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/Nelnet student account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

I believe that the Department of Education and Nelnet, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies.

I am particularly concerned about the recent practice of Nelnet reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.

Despite my efforts to address these concerns directly with the Department of Education/Nelnet , I have encountered significant challenges in obtaining a satisfactory resolution.

I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.

Enclosed with this letter, you will find copies of relevant documents of my credit score.

I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.

Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some inquiries on my XXXX and Equifax credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the XXXX and Equifax in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my XXXX report and 2 unauthorized inquiries on my Equifax report.. They said they can't help me with. It ' is having a bad effect on my credit report.
Product: Student loan

This is not a customer service issue- it's a software issue. Mohela 's " security question '' for signing in does not properly function as a security question. Regardless of what question you receive, as long as you know the answer to another security question, you can enter it and it will let you log in. 

This is a vulnerability if any security question is ever leaked ( from Mohela or elsewhere ), the security question can just be bypassed regardless of if the leaked answer matches the question, if a user reuses their questions/answers for security questions. 

Why would you even select a random question for " security '' when you can use any of the answers to any of the questions that have been setup?
Product: Debt collection

MT BANK CONTINUES TO SEND MAILINGS REQUESTING PAYMENT THEY ARE NOT DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, WI BANKRUPTCY XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The debt concerned originally occurred as part of a medical procedure that took place due to an injury I sustained in an automobile accident. The original creditor ( XXXX XXXX XXXX ) coded the treatment as XXXX which was incorrect. This error caused my insurance company not to pay as XXXX  is not a covered condition under the plan. I made XXXX XXXX aware of the mistake on several occasions to which they didn't respond. They turned the debt over to Choice Recovery , Inc of which I was first notified on XX/XX/XXXX of XXXX. I informed them of the mistake and they stopped collection activities. On XX/XX/XXXX of XXXX, Choice Recovery , Inc. again made contact concerning the aforementioned debt. I again informed them of the billing mistake and added details explaining that other items on the bill were incorrect and that some services on the bill were not received, Choice Recovery , IncXXXX failed to respond to that email. On XX/XX/XXXX I was alerted by a credit tracking service that a collection account had been noted on my file. Choice Recovery , IncXXXX has damaged my credit while knowing that the debt is invalid and has failed to correct the erroneous information.
Product: Credit reporting or other personal consumer reports

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Accounts : XXXX & XXXX : XXXX XXXX & XXXX XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX, Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and Equifax regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.