23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am submitting this formal complaint regarding Missouri Higher Education Loan in the amount of {$47000.00} - due to violations of my privacy rights under the Family Educational Rights and Privacy Act ( XXXX ) and other federal data protection laws. Due to concerns about how my personal and financial information has been handled, I am requesting the immediate removal of this account from my credit report and the closure of the account. 

Reasons for My Request Violation of XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ) XXXX protects borrowers educational and financial records. I have reason to believe my personal information has been improperly accessed, shared, or misused, violating my rights under this law. 
I am requesting that this account be removed from my credit report due to the uncertainty of how my information has been used. 
Failure to XXXX XXXX XXXX XXXX XXXX XXXX Breach Under 15 U.S.C. 6801-6809 ( XXXX XXXX XXXX XXXX  ) and the Federal Trade Commission ( FTC ) XXXX XXXX XXXX financial institutions must properly secure customer data. 
Since I am unaware of how my data has been handled or whether it has been compromised, I no longer feel secure maintaining this account in any capacity. 
I request immediate account closure and removal from all credit reporting agencies due to this failure to ensure data security. 
Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) Inaccurate or Unverifiable Information Under 15 U.S.C. 1681i, information on a credit report must be accurate and verifiable. Due to the uncertainty surrounding my personal data and potential unauthorized use, I demand that this account be immediately removed from my credit report and no longer reported to any credit bureau. 
Requested Actions Remove this account from my credit report due to privacy violations. 
Immediately close the account to prevent any further potential misuse of my data. 
Provide written confirmation detailing whether my data has been improperly accessed, shared, or compromised. 
If a data breach occurred, disclose the extent of the breach and the actions being taken to prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to XXXX and Transunion on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My XXXX lease was coming to completion at the end of XX/XX/XXXX. On XX/XX/XXXX, my car was involved in an accident. It was a no fault accident as my car was parked in the driveway and another person stole a different car, hit and totaled my car. This was at roughly XXXX. I spoke to insurance and after they determined it was no fault, they explained that they would take care of everything. Then XXXX called me and asked for {$500.00} for completion of the lease or inspection of some sort. I called my insurance company and they said I am not required to pay that since the total cost would be covered by insurance. I spoke to multiple reps at XXXX XXXX and a few of them actually said that would work as long as the got the payment. I called insurance again to make sure they said that there is no deductible/fee of any kind that I need to pay. They assured me that I do not need to pay anything. 

Eventually I got letters and phone calls from third party collection companies regarding the {$500.00}. I believed this to be some sort of scam since many random numbers called me and asked for money. Whether true or not true, I told the companies the insurance has covered it already. 

I was also given instructions to return the lease and car when I explained that I do not have a car to return, which is also why the {$500.00} Charge is incorrect. There is no car to return since it was considered a total loss. 

The next thing I see is my credit dropped from over XXXX to about XXXX. I had no idea how or why and I was told from the credit bureaus that it was because of the XXXX XXXX. I explained that it was some sort of mistake and they suggested I check with XXXX XXXX and the collection companies. 

I am writing this complaint today because I have tried for years at this point to resolve this matter and XXXX is not cooperating. I asked what can I do to fix this and they keep referring me to write them letters asking how to remove it and XXXX only replies " sorry it is reported accurately ''. I spoke to someone on XX/XX/XXXX with XXXX and they said there is nothing I can do. I offered to pay balance, speak to someone, provide anything necessary to fix it and the refuse to cooperate. The current way they are reporting the situation is " Dispute resolved '' to XXXX and " Account Paid '' to Equifax. Also XXXX is reporting it as a Paid Charge off to XXXX and a Paid Collection to Equifax. So there are many discrepancies between how its reported, what type of report, and that it is still in collection/derogatory even though it is resolved and account is paid for. 

I have been trying for years to cooperate and they are abusing the system with these month long delays that have turned to years. I have all the documentation to prove my innocence. I do not know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX  and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb  complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX  only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX  was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Cadillac Accounts XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXXXXXX # XXXX, DEPT OF EDXXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXXXXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX, 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: Credit reporting

I have made XXXX Complaints to Equifax about and error in the way they are display my credit report and getting no where to finally pull and XXXX credit reports off of Equifax membership and clearly see there is a clear error in they way Equifax is report my credit report and score from XXXX and XXXX. There is no way in the world Equifax can not see the problem now once I send them this clear evidence of full credit report from all different days that show the differents account Equifax, XXXX and XXXX. 
Equifax Credit score XXXX, XXXX is XXXX, XXXX is XXXX. Equifax you telling me in my whole history of pulling all three credit reports they are never different by XXXX points. Score is difference but not that different. I never seen anything like this and Equifax you know if the same information is on all three credit reporting agency they will have around the same scores not a XXXX point differences. Equifax have the same Total balance {$62000.00}, Same Total Credit {$83000.00}, The same Total Monthly payments {$2400.00} as XXXX and XXXX but the biggest problem is the changes made on my old collection account by XXXX since the dispute was cancel. Here are all XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I attached a copy of how all XXXX of my credit reports are being displayed so you can see the difference between all three clearly showing Equifax is the only XXXX reporting a change as you can clearly see there was n't any change in my report. And i attached my whole credit report. This is beyond clear there is a error on Equifax part at this point. There is no way around this one Equifax. Explain this one. Not taking responsibility at this point is like a big slap in my face. Equifax do the right thing. I attached the full credit report from XXXX XXXX to show what was on my report than when my report was XXXX, I attached full report when i dispute was put on my credit report when my score went to XXXX as you see there was no changes, and a full report when my score went to XXXX when the dispute was cancel showing there still was no change in my credit report. So why was there a change in my payment history and score if there is no change on my credit report. If this is a system error a dispute might not fix this problem. I attached all XXXX credit report pull off of Equifax membership that I have showing all three credit report and score from Equifax, XXXX and XXXX. I hope by you looking threw all these reports you can figure out what happen. Base on all XXXX reports my score should still be around XXXX. There is no big different in the credit report from all three reporting agencys so their should not be a big change in score. Not XXXX points, as you can see XXXX and XXXX I have excellent payment history and Equifax has good payment history after the cancel dispute. Equifax that is the clear problem the old XXXX account is now being report has a new collection account the status needs to be changes for it to go back to Excellent payment history.
Product: Credit card

On XX/XX/year> I purchased a desk from XXXX. A day or XXXX later I wished to purchase home installation. A problem on the XXXX website caused me to attempt purchase of this service XXXX using my XXXX card and once using my CapitalOne card. I called XXXX and was credited by them for the duplicate charges and was told that my CapOne purchase would not be charged and would drop off. It did not. I have contacted CapOne, they have contacted XXXX, I have shown to capOne docs showing the duplicate charge and documentation that I have paid it on my XXXX statement. CapOne is refusing to delete this duplicate charge. I spoke with a supervisor at CapOne on XX/XX/year> and was informed that if I sent over documentation showing payment to XXXX it would be enough to delete the duplicate charge. I submitted documentation showing payment and XXXX minutes later got a letter informing me it wasn't good enough.
Product: Checking or savings account

Two unauthorized transactions took place on XX/XX/22 at XXXX in a different city for the amount of {$410.00}, {$200.00} each. As soon as I noticed it I cancelled my card and waited until XX/XX/22 until the charges were not pending anymore. The next day on XX/XX/22 I received an email from Chime stating that no error has occurred. They didnt contact the merchant or launch any investigation. I do not have my cards in possession I believe they weee either lost or stolen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX XXXX XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account XXXX XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Date Last Active : TransUnion XX/XX/XXXX ; XXXX XX/XX/XXXX Account # XXXX Past Due Balance : XXXX XXXX on a charged off account. 


for violations of FCRA Section 611 and 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, deleting accounts and reinserting without 5 day advisement. 

XXXX XXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Vehicle loan or lease

I purchased a car on XX/XX/2017, and on XX/XX/2017 I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I begrudgingly took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Now I recently reviewed my credit report and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. We agreed on a {$100.00} a month. But they collections department has been calling me telling me I owe the whole {$570.00} right now. And now they are reporting a negative rating on my credit report to the bureaus, when they are the ones who told me to take the insurance offer in the first place. It was not my fault the insurance company screwed up the appraisal for my car and the process took longer than expected. I am the one with out a car, without the money I put down for the car, the insurance money I paid and the tax, title, and the dealer cost to get this car I can not drive anymore. On top of that, they told me I would have to reapply to get another car loan. Is this any kind of way you treat your customers?
Product: Credit card

I contacted Synchrony Bank to find out how my last payment was applied. In XX/XX/XXXX I made two payments totaling {$680.00}. I have a promotional balance that is set to expire in XXXX of XXXX. The original purchase amount was {$740.00} made in XX/XX/XXXX. I was informed that {$160.00} of the {$680.00} was applied to this promotion. I assumed the majority of the overpayment ( {$520.00} ) would go to the promotional balance. I spoke to agent XXXX who indicated that {$360.00} dollars of my payment was allocated to a promotional balance that expired on XX/XX/XXXX. The original purchase amount was {$740.00} on XX/XX/XXXX. {$360.00} of the {$520.00} was allocated towards this. She also indicated that I had two additional promotional balances that expired that I was not aware of. The first was a purchase of {$260.00} on XX/XX/XXXX with a current balance of {$32.00}. The second was a purchase of {$490.00} with a current balance of {$130.00}. I have made numerous purchases throughout the years including XXXX, XXXX, and XXXX in which none of the promotions expired. This would be after the consumer protection laws changed. XXXX XXXX indicated that all payments are applied to the oldest expired promotions first. If that were the case, then there is no way that I should still have a balance from the XX/XX/XXXX purchase. I requested the statements from the three promotional balances ( XXXX, and the two in XXXX ) as the statement did not indicate that the promotions expired and the capitalized interest was added on any of the promotions. It should be noted that last months minimum payment was {$160.00}. I paid the additional payment of {$520.00}. I neglected to ask what the balance is on the XX/XX/XXXX purchase that theyre claiming expired on XX/XX/XXXX. I have made all of the required payments on time which has resulted in this bank collecting thousands of dollars in interest. The concern is that those promotions did not have to expire as enough money was collected to pay them in full on time. This complaint is about a PC Richard Credit Card that is managed by Sychrony Bank.
Product: Credit card or prepaid card

I have had a Bluebird by American Express for a number of years. It isnt where my paycheck is deposited, but a large sum of money was deposited from a settlement in XX/XX/2023, because it was on record from my employer. There initially was no issues, and I made one transaction in XXXX, and one in XXXX that was within the card limits on their website. 

On XX/XX/2023 I received an email that stated my card was permanently closed, and my account access was locked along with any access to records. They wouldnt tell me why and now refuse to answer any phone calls or messages. They would not tell me if or how I can receive my remaining balance of over {$35000.00} ( I dont know the exact dollar amount since they removed any access to records. Its very scary not knowing how or if I will be able to get that money I depend on.
Product: Checking or savings account

In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '. 

The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months. 
2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met. 

When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did. 

The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own. 

The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''. 

Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer. 

I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position! 

I have copies of all mailers, documents, etc, should they be required. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Product: Student loan

On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.
Product: Credit card or prepaid card

Barclays charged me two {$10.00} cash advance fees, one on XX/XX/XXXX and one on XX/XX/XXXX, but I did not get ( or ask for ) a cash advance, and one is not listed anywhere on my statement. 
I disputed the charges and Barclays sent a letter stating " We are currently unable to complete your request. '' However, they also charged me for that -- INTEREST CHARGE-CHECKS, OT