23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ), I became aware that my student loan data, including personally identifiable information ( PII ) such as my Social Security number and financial records, had been accessed without my knowledge or consent due to the U.S. Department of Educations ( DOE ) failure to properly secure borrower information. 

When I took out my federal student loans through Federal Student Aid ( FSA ), I was led to believe that my loan records were protected under FERPA ( 20 U.S.C. 1232g ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and the Higher Education Act ( 20 U.S.C. 1087 et seq. ). However, the DOE did not disclose that my personal loan data was vulnerable to unauthorized access. 

I first learned about this issue through public news reports and legal actions, including lawsuits and Senate investigations, confirming that the DOE allowed unauthorized entities to access student loan records. Specifically : Legal actions filed by labor unions allege that DOE and FSA mishandled borrower data, allowing unauthorized access. 
Senate inquiries have raised concerns about FSAs failure to secure student loan records. 
A federal judge has blocked certain DOE data access, recognizing security risks. 

Despite the DOE 's obligation to safeguard borrower data, I was never informed that my personal loan information had been improperly accessed, nor was I given any notice of potential risks. This failure to provide complete and accurate information misled me into believing my loan data was secure when it was not. 

How This Has Harmed Me : Increased risk of identity theft due to unauthorized access to my personal information. 
Financial insecurity due to uncertainty over whether my Social Security number or other sensitive data has been compromised. 
Emotional distress and loss of trust in the DOEs ability to properly manage my student loans. 

Actions Taken : I have filed a Borrower Defense to Repayment application requesting loan discharge due to this misrepresentation and failure to disclose material information. 
I have submitted complaints with other federal agencies regarding the DOEs mishandling of borrower data. 
I am requesting CFPB oversight and intervention to hold the DOE and FSA accountable for this data security failure. 

Requested Resolution : I am formally requesting the CFPB investigate the DOEs failure to protect student loan borrower data and take action to remedy the financial and emotional harm caused to affected borrowers. Additionally, I am requesting : A full discharge of my student loans due to misrepresentation and mishandling of my personal data. 
Immediate forbearance on my loans while this matter is under investigation.

A formal response from the DOE and FSA acknowledging the breach and detailing corrective actions taken.

Due to the serious nature of this issue, I request that my complaint be given full consideration, and I expect a response within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior investigation In related to today 's complaint Which was submitted XXXX In my previous complaint I requested that the following be removed from my credit profile i requested closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, CREDIT XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXXXXXX opened XX/XX/XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XXXX,XX/XX/XXXXXXXX XXXX XX/XX/XXXX. XX/XX/XXXXDate opened XX/XX/XXXX These accounts are showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. 
The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation the small claims court if the matter is not solved today
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Product: Consumer Loan

In XX/XX/2014 I went to XXXX XXXX XXXX to try to purchase a vehicle they try to sell me a new car but I wanted low payments and did n't want to work with me. They had a car in their garage lot which was out of public eyesight they told me it would {$300.00} a month so them not telling me anything about the car and I being clueless I took the car with XXXX miles and it was a XXXX XXXX they left me to me at {$10000.00}. I have been paying over 3 years on the car with finance company Santander Consumer the payments have n't lowered the car is n't even trade able. Less than a month the finance company calls me and tells me my payment is due when in the dealership they never even told me when my payment is due. Now I am looking into a voluntary repossession because the car is not worthed. I can not afford the payments. It 's frustrating
Product: Payday loan, title loan, or personal loan

Tried to payoff the loan in full and they refused to accept payment. They then sold my account to a collection agency ( XXXX XXXX ) which I was able to pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus, XXXX, XXXX & XXXX are reporting accounts that were not authorized by me. I have submitted documentation per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove
Product: Checking or savings account

Back in XXXX  alot of fraud activities and suppose to check into causes me to pay money for transaction I didn't do. Approx XXXX
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

XXXX XXXX XXXX XXXX XXXX XXXX defines Verify as, 1 ) & quot ; To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. & quot ; 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. & quot ; and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this XXXX Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX. XXXX XXXX, account # XXXX = {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXX XXXX XXXXXXXX - unknown account ( possibly fraud/violation of privacy/no consent given XXXXXXXX XXXX XXXX XXXXXXXX - violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX - inaccurate report, violation of privacy due to no consent given XXXX XXXX XXXX XXXXXXXX - unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

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

On XX/XX/ 2019, a representative from Compass Recovery Group contacted my son and left a message on his cell phone with an XXXX number for me to call them. When i called this number, I was surprised to see it was a collection agency. The woman i spoke with did not verify me by name, address, DOB or give me a Mini Miranda warning.She also did not tell me how much the debt was. After I explained my financial situation and living arrangements ( I'm out of work on Worker 's Comp and receiving NO benefits ; I live with my elderly mother and care for her. She is on a fixed income ), she kept insisting I ask my family or friends to help pay this debt.She then stated they would just turn it over to another associate and get a judgement. I told her to go ahead. I have no dispute with my owing it. 
What I have an issue with is the direct violation of the FDCPA. I recently worked in collections and I know the laws. There is also a HIPPA violation with this woman not verifying me and disclosing sensitive information. A debt collector may also not leave messages.
Product: Checking or savings account

I reached out to my bank as soon as I saw fraudulent charges made on my account through an atm. I immediately turned my card off through the app and called the bank to report it. I looked for my card and couldn't find the physical card and assumed I dropped it near my job. Wells Fargo opened a claim and a day later they denied my claim. I have reached out to the them since XX/XX/XXXX about this situation. I did not make this purchase and I am pushing to get this resolved but they keep telling me to go after the atm company. This has been an on going issue that no customer service representative has helped me with. I now lost {$700.00} total and they refuse to help me and have been very rude. Not only did I lose {$700.00} but I also have overdraft fees due to this. I go on a trip next week and am completely lost on what to do or how to get my money back that someone stole from me.
Product: Debt collection

Allied Interstate called multiple times a day but would not disclose the nature of the call or refuse to let me know the purpose of the call. They asked for the owner of the company and have they done their research, we are a corporation with a parent company in XXXX. 

These people will not stop calling and was really pushy after repeatedly being asked for details of the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling extensively trying to remove a fraudulent collection account from my Equifax credit report for the past 50 days. FCRA law states that the credit reporting agencies have up to 30 days ( at most, 45 ) to respond to any information, correct or incorrect, that is submitted to them. 

The account in question is from an agency known as XXXX XXXX XXXX. XXXX XXXX XXXX has already confirmed that the debt does NOT belong to me, and therefore must be removed from my credit reports. After speaking with the company on the phone, they informed me that they formally submitted this removal request on their behalf, back on XX/XX/2022. 

Both XXXX and XXXX have each been prompt in removing the account within 15 days... however, nearly 50 days later, Equifax still has yet to remove the account in question, and I have frankly reached the end of my patience on this matter. 

The fraudulent account information is as follows, and is also attached in the documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00}
Product: Checking or savings account

On XX/XX/XXXX, my wife died and XXXX days later I went to the bank where we have bank accounts to present the death certificate and my wife 's signed and notarized Will in my favor. 
The official who assisted me gave me bank documents to fill out and told me that I had to present a Probate Case in Family Court. 
I proceeded to complete them and paid the Court the sum of {$340.00}. 
When the Court was about to give me the decision, the Clerk told me that the Bank had to first give me a Letter to release the funds, but the Bank denied me the Letter, arguing that my wife had a debt on her VISA Credit card. 
Then I asked the officer who attended me, why did they ask me to open a case in the Probation Court if they were not going to authorize the Release Letter later? 
On several occasions I made claims to the Bank asking them to return me the cost I paid to the XXXX and the remaining money of the checking account of my wife but they always denied to give me the funds. 
The accounts are like this : Money in my wife 's checking account : {$1800.00} Payment to Probate Court : {$340.00} Credit Card Debt : {$1700.00} In the month of XX/XX/XXXX, I received a document from the Bank where they withdrew the sum of {$1700.00} from my wife 's account without my consent and did not mention the balance in my favor of the will left by my wife nor did they recognize the payment I made to the Court on instructions from the same bank. 
After receiving that letter from the bank, I requested an appointment and spoke with a bank official who denied me the delivery of funds and only told me that I should open another case in the Court of Probate, which seemed like a joke to me. 
I have all the Documents of this case to submit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified accounts that are not mine and that I have no affiliation with whatsoever. This is not only unjust, but it is also extremely concerning. As per the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, I have the right to a correct and accurate credit report, and these discrepancies should not be adversely affecting my creditworthiness. I request a full and immediate investigation into this matter, with all inaccuracies corrected. If this issue is not addressed promptly and properly, I will have no choice but to pursue legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Vehicle loan or lease

Capital One Auto failed to provide full disclosure in the contract. They did not provide my right of rescission and they did not give full disclosure of TILA. The finance charge specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my latest credit report with Upgrade inc. I notice there is a balance listed on my XXXX credit reports XXXX, XXXX, and XXXX in reference to this account. I paid this account in full XXXX of 2022. I have contacted this company in reference to this incident several times and mentioned there has to be an error/misapplied payment using your online payment service. Payment was never return to my financial institution. I have had problems with payment posting to this account with this company every since I opened the account a few months ago.Please assist me in resolving this issue. I have enclose bank document showing amount paid.
Product: Credit card

On XX/XX/XXXX I attempted to book a flight on Chase Travel from Lisbon Airport to Newark Airport via United Airlines ( flight UA 65 ). I chose to pay with my Chase Sapphire points ( 92,952 points ). When I completed the travel information and clicked Book, I was taken to an error page that said my request could not be completed. I tried again, got the same error. I excited Chase Travel and booked the same flight directly with XXXX XXXX. I never received any email from Chase saying that the purchase was actually successful and did not receive any flight/travel confirmation emails from Chase. 

Around XX/XX/XXXX I received a phone call from XXXX XXXX telling me that I was booked twice for the same flight ( UA 65 ). I told them it must be fraud and XXXX XXXX cancelled the duplicate booking. 

A few days later I realized that Chase had deducted the XXXX points from my rewards and told me that I actually successfully booked the flight and because I booked an Economy ticket, I was not subject to a refund. I have called Chase XXXX times and have not been able to resolve this. They are telling me that I booked a flight successfully and therefore am liable. I have asked countless times for proof that they sent me a trip confirmation email which they refuse to provide. This is fraudulent on Chases part and XXXX months later they have not refunded me or even attempted to resolve this issue. I have been bounced around to several agents and nobody is willing to escalate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Experian committed fraud when they took my personal identifying information without permission, and provided the information for sale to other persons to knowingly maliciously commit fraud and oppress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage late reported by XXXX XXXX  in XX/XX/2021 for 150 days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXXXXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the 150+ Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.
Product: Student loan

A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request your assistance as a victim of a severe form of XXXX in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Debt collection

On my credit report is an old debt from XXXX  from a repo that I didnt know of because of a divorce. Its to old to be on my report now and I was never notified or granted to try to get the car back to
Product: Debt collection

Midland Credit Management sent me a letter for a alleged debt in XX/XX/2021. I responded XX/XX/2021 via certified mail requesting validation of this alleged debt as per 15 usc 1692g. Midland Credit Management responded to my certified letter requesting a attorney information and not validating the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account on my credit report that is completely unknown to me. After reviewing my credit file, I discovered an account that I have no association with, and it is clear that this is a case of mixed data. The account listed under my name does not belong to me in any way, and its presence on my credit report is both inaccurate and misleading.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of all the inaccurate accounts that I need removed. I am in the process of getting a home loan for me and my family. Please review all of my documents and remove the accounts that are listed.