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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom this may concern, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue concerning the reporting of student loans on my credit report. I believe that the information currently included in my credit report violates the provisions of the Family Educational Rights and Privacy Act ( FERPA ), and I am formally requesting its removal.

FERPA, enacted in 1974, is a federal law designed to protect the privacy of student education records. The law applies to any public or private elementary, secondary, or post-secondary school, and it grants certain rights to parents and eligible students regarding the access and disclosure of student records. 

Specifically, XXXX XXXX XXXX ( b ) of FERPA restricts the disclosure of personally identifiable information from education records without the consent of the student, except under limited circumstances. I assert my rights under FERPA to control the disclosure of my education records, including any information related to student loans. 
Upon reviewing my credit report, I have observed that certain student loan information is being reported. Below are the details of the student loan accounts that I believe may be in violation of FERPA, as the information is derived from my education records and has been disclosed without my explicit consent : Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$23000.00} Monthly Payment : {$270.00} Original Balance : {$8900.00} Terms : XXXX  Months Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1400.00} Monthly Payment : {$16.00} Original Balance : {$970.00} Terms : XXXX  Months Account Name : DEPT OF EDUCATION/NELNET Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1000.00} Monthly Payment : {$12.00} Original Balance : {$760.00} Terms : XXXX  Months In light of the above, I formally request that your company promptly investigate and remove any student loan information from my credit report that may be in violation of FERPA. I trust that your company will adhere to the legal requirements and promptly correct any inaccuracies. 
I appreciate your prompt attention to this matter and request written confirmation once the necessary corrections have been made to my credit report in compliance with FERPA. 

Thank you for your cooperation and adherence to the laws that protect student privacy and educational records. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX idenrtity theft reprt attached
Product: Credit reporting or other personal consumer reports

Closed accounts listed on report as active. Collections listed on accounts that have inaccurate information.
Product: Checking or savings account

I tried to send wire to my trading account, that triggered citibank fraud department to lock my citibank account. in order to unlock my account, they had to send me reference number through mail to my apartment. They said it would take XXXX business days to receive the mail, however, i've waited for nearly a month now and never received any mail from citibank. i saw many people complaining about the same issue on the internet. I need to get my money back asap, however, citibank refuses to provide any help without the reference number. i offered to pay by myself for them to send the reference number through XXXX OR XXXX so that i can track where the letter actually is, they refused. I go to the citibank branch where i opened the account, they give me the same answer " with your account being locked, we can not do anything ''. So i'm stuck with not receiving the reference number through mail and thus not being able to do anything to get my money back from citibank. 

an alternative way for citibank to verify my identity is through text message send to my verified phone number, which i put to be on public record per citibank 's requirement. But still, citibank refuses to send security code to my verified phone number, the only way for them to unlock my account ( and for further actions ) is for me to receive the reference number through mail, but they just never being able to send such a letter to my apartment. 

I need my money back, lack of the money has caused tremendous trouble to my life. Citibank specialists just kicks me around without actually helping me to resolve the identification issue.
Product: Debt collection

XXXX XXXX XXXX XXXX SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY GE CAPITAL . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.
Product: Mortgage

I received my 2023 Annual Escrow activity indicating the account was below the expected amount and my total payment would be increase to account for the difference. When reviewing the escrow account summary for the three years I have had my mortgage, I noticed each section from actual activity runs from XXXX to XXXX. There is a section for anticipated activity for XXXX ; however, I would expect that the following year would show the actual activity. None of the summaries provided show the actual activity for XXXX of each year. This is a problem for me because my Insurance and Property taxes tend to be paid around this time, but I an unable to verify through the escrow account summary the actual activity taken. I spoke with XXXX who advised that the summary do no show actual activity for XXXX and I would need to review my monthly mortgage statements for this information. She did follow up with me to provide all the actual activity for the entirety of my account ; however, this is not satisfactory.
Product: Credit card

I called bank of america to help me to dispute a charge from an airline then Bank of america opened a fraud claim incorrectly when they should've opened a dispute after a few months my fraud claim was denied and now i have to pay bank of america a temporary deposite and late fees of almost XXXX dollars.. i went to bank of america to get help to dispute the airline charge and i ended up owning money to bank of america their incompetence is making my life miserable. Collection companies calling me, my credit score messed up etc
Product: Student loan

I have been repaying my private student loans with Navient for 3 years now. My loan does not seem to decrease. Over the past 5 years I was misguided into entering forbearance. I did not want to have my loan go into default and cause it to affect my cosigner. I asked for several options to lower my payments and was told my only option was forbearance. Due to this forbearance I am now paying far more interest than I can handle. I am trying to pay my debt off and find it difficult to achieve. I was unaware of the amount of interest I would incur due to the forbearance, all I wanted was a lower payment so that I could pay them every month. My payments range between $ XXXX- {$900.00} a month just for the XXXX private loans. I still have a federal loan that I am paying as well.
Product: Debt collection

I filed a dispute with XXXX concerning the wrong amount owed being reflected on my credit report. This collection agency verified the amount owed and did not reflect the correct amount.
Product: Prepaid card

I purchased two gift cards to make an online purchase on XXXX. The cards will not work. Called customer service which directed me to call the number on the back of the card, which is an automated call and basically directs me to try the card somewhere else. I purchased these cards specifically for this purchase and would like my money back. I called XXXX and they said the payment keeps getting rejected for some reason, I also tried through XXXX with the same result.
Product: Credit reporting

I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.
Product: Payday loan, title loan, or personal loan

I received a letter stating Failure To Pay Could Affect Your Credit History. I have never applied for a loan from this company ; and now I have gotten this letter telling me I am past due on my loan payment. My personal information must be used improperly.
Product: Mortgage

During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. 
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Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and the XXXX Equifax data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX bankruptcy discharged Reference Number 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: Mortgage

Seterus will not send me copies of my statement from the month of XXXX 2015 thru XXXX 2015. Their excuse is that I was automatically enrolled ( without consent or notification ) in a program which called for me to use coupons ( which I never received ) to make my mortgage loan payments. I was told on XXXX XXXX, 2015 the statements from XXXX thru XXXX 2015 would be mailed to my address. It was also my understanding that I would have access to the statement online. XXXX 2015 thru XXXX 2015 are available online. XXXX thru XXXX 2015 are not available online.
Product: Mortgage

On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced home loan. Was told that we were getting a escrow refund and it was going to go towards XX/XX/XXXX mortgage payment. We normally have it auto paid. XX/XX/XXXX the slate fee was attached of just under XXXX dollars. We called and emailed and by XX/XX/XXXX the fee was reversed. XX/XX/XXXX payment auto payed and loan was closed and paid in full. New loan Mortgage statement recvd. Statement date XX/XX/XXXX with a due date of XX/XX/XXXX. We were told there credit bureau would be notified immediately of the mistake and it has not been removed
Product: Student loan

I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) the Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Synchrony Bank c/o Paypal Credit Account XXXX XXXX XXXX I mailed to Synchhrony Bank c/o Paypal Credit a money order that had accord and satisfaction verbiage for the alleged debt. The United States Postal Money was cashed which is indication that Synchrony Bank c/o Paypal accepted the new terms of the agreement by cashing and satisfying this alleged debt. The company is continuously reporting and open balance for this account. In addition, the company is reporting that this account has been late 30 days which is false and deceptive. I have never been late on this account.
Product: Checking or savings account

On or around XX/XX/2020 Chase bank locked all of my business and personal accounts without notice. I have contacted Chase numerous times for explanation and they refuse to provide one. Blocking access to my accounts occurred after a dispute with a XXXX XXXX XXXX company that secured a marshall in  New York to confiscate my funds with Chase. My legal team had already blocked the marshalls activity pursuant to negotiations with the XXXX XXXX. In fact, impounded funds were initially returned to my account as part of the negotiated resolution but the account is now negative again. This is despite the fact that the funds Chase allowed the marshall to take were ineligible for confiscation. I called to ask that Chase to investigate the issues and provide documentation. I asked Chase to give me full account statements and provide reasoning behind closing my accounts while only providing me one message when I try to sign in to my Chase mobile app, Account closed due to suspicious activity. Contact Chase. I contacted Chase by phone and e-mail several times. The e-mails are never responded to. When I call the provided number for such disputes the person who answers tells me that I must receive an answer from someone else at Chase but they refuse to provide a means to contact such person. I am told that Chase is not permitted to give out this particular contact number. I still can not acquire my statements nor see my account activity and, again, Chase will not give me a reason for the account closures nor do they provide a means by which I can communicate with Chase to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit File XX/XX/XXXX Information # XXXX has on page 10 of 18 Inquiries that may impact your credit rating/score in which I have showing a company XXXX XXXX : XXXX XXXX XXXX in which I have no given any consent or sign any document for or to obtain credit. This is pure fraud on the stated company being XXXX XXXX : XXXX XXXX XXXX and XXXX being that I opt out in XXXX XXXX XXXX that company or companies doing inquiries with out my consent and XXXX allways trying to justify there actions while doing fraud with no real reason and at the same time effecting my credit due to fraud and wreckless errors on and by XXXX has error after error that inpacts my credit score and has or needed to be corrected or I'm in the process of taking this to court for damages and error after error with out my consent.
Product: Money transfer, virtual currency, or money service

Comment : Shame on you! 

Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.
Product: Checking or savings account

On XX/XX/XXXX my phone was lost and from that date up until like XX/XX/XXXX something my card was compromised through XXXX, someone hacked my XXXX, changed the email, the address and took about XXXX dollars, I didnt notice until it was time to actually use my card to pay a bill because its my savings card, and My bank card was connected to my XXXX  in my stolen phone, I contacted XXXX, no help and I filed disputes with my bank which is chime and they literally decline it everytime a day before they are suppose to issue my credit, I even have a police report, and I been going through this since XXXX, I emailed them and told them I will be contacting the bureau to take matters in my own hands so here I am
Product: Checking or savings account

As of XX/XX/XXXX I am the Power of Attorney for XXXX XXXX who is an Elderly Person In XXXX Florida. I was asked to be her Power of Attorney and to replace the former POA XXXX XXXX XXXX. XXXX XXXX DOB is XX/XX/XXXX S.S. XXXX. The change in POA was done by the request of XXXX XXXX with a local Law firm in XXXX, FL. XXXX XXXX has two other individuals living with her to assist in her daily affairs. The change was made in Person with XXXX XXXX present. 
On or about XX/XX/XXXX a wire was sent to me at XXXX XXXX request for {$1400.00}. to cover various legal expenses on her behalf, whch I ndertook. On XX/XX/XXXX I personally contacted Navy federal and supplied them with my new Power of Attorney and their Cover Power of Attorney ( attached ). In follow up they first stated they did not see it, however late yeterday I spoke with XXXX as Navy Fed and she saw the document but claims she did not see the cover POA. If you got the email I do not see how you could not see all contents. XXXX XXXX attempted to send another wire last week to me for XXXX and Navy refuses to release wire. I also sent Navy another POA yesterday, but they refuse to act on anything at this point. XXXX XXXX has bills to Pay Tax, Mortgage, Ins. Her funds can not be held up or this puts her in jeopardy. I will attached what I sent yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXXXXXX Balance {$7100.00}, XXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.