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

XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, BEST B XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint in regards to violations of my FEDERALLY PROTECTED rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Violation of my privacy rights under FERPA : The Department of Education/Aidvantage has unlawfully provided " transaction '' history to third-party companies, which directly contradicts the provisions outlined in FERPA.

Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights.

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. The request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to the notated Credit Reporting Agency, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the Experian & XXXX Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights. 

DO NOT CLOSE THIS COMPLAINT FOR FEEDBACK RESPONSE, ONLY FOR ACTUAL REMEDY BEING ENFORCED.
Product: Credit card or prepaid card

I have had a Bank of America Visa Card for well over 20 years. And, I am writing out of simple frustration. 
A fraud was committed early last month and I am missing {$1700.00}. In three separate phone calls ( XXXX, XX/XX/XXXX, and XXXX ), I have been promised a refund of {$1700.00} into my bank account. I was also assured that I am not responsible and would receive a refund. As of today, this money has not appeared. I have abbreviated the situation below : XX/XX/XXXX I paid the amount of {$1700.00} to my credit card, online, and the funds were withdrawn from my XXXX XXXX XXXX XXXX Checking Account. 

XX/XX/XXXX This amount was refunded to my card as a Return Payment. This action was not initiated my me, nor by my spouse who has access to the card. I was eventually told, in my series of phone calls, that someone had impersonated me by calling Bank of America. He/she requested the payment be stopped and the fund returned to his/her bank. It was revealed that the checking account # where the funds were sent was NOT mine. Therefore, I am missing {$1700.00} due to fraud. 

XX/XX/XXXX AND XX/XX/XXXX - Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX twice. He was very sympathetic telling us we should be getting the money refunded. He attempted to resolve it twice by calling various B of A numbers, he ended up being frustrated and hung up on them. I have emailed him three times within the last 3 weeks and have received no response. 

XX/XX/XXXX - I received a letter from Bank of America stating that the case was now closed! Nothing is closed. I am still missing {$1700.00}! 

When I called on XXXX about the situation, I was assured that I would receive the funds back very quickly as it was fraud. 

When I called on XX/XX/XXXX, I was assured that the funds would be received by XXXX. In this conversation, it was agreed that my card should be replaced, which is was. 

When I called, XXXX, I was told it could take up to 60 days, as Bank of America needed to get the money back from the person who committed the fraud. 

I am completely annoyed and frustrated that I am out {$1700.00} and particularly because I have consistently been lied to about when the funds would be returned to me. Why am I having to go without my money when the fraud had nothing to do with me whatsoever? I paid my account on XX/XX/XXXX ( like I regularly do every two weeks ) and the {$1700.00} disappeared! 

Finally, I have received no updates or responses from Bank of America that this case is being worked on nor of the real status of when my {$1700.00} might be refunded.
Product: Mortgage

Your radio buttons don't cover my scenario. 

I have an HELOC with Rocket Mortgage/XXXX They refuse to allow me to access the funds. Their only method of verification ( after answering XXXX PII questions ) is to send me a code via text. But their codes always say they will NEVER ask for them, because that is a highly used scam method. They refuse to allow me to access the line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud. Please delete it immediately. I have attached the ftc report.
Product: Credit reporting or other personal consumer reports

I am writing to lodge an urgent and forceful complaint against Equifax, XXXX, and XXXX regarding their persistent failure to remove an inaccurate bankruptcy entry from my credit reports ; Account number XXXX. Despite my numerous efforts to provide ample and irrefutable evidence proving the error, these credit bureaus have unacceptably continued to display this erroneous information. 

This process began in XXXX of 2023, yes a full year and they have not resolved it, where I disputed with the court ( attached ). The court states that it doe snot supply information to the Bureaus. I submitted Disputed to Equifax, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no avail. When they finally sent information back, they stated that it is verified by a 3rd party called XXXX XXXX. So I submitted a dispute to XXXX XXXX in XXXX. XXXX XXXX said I was correct about the inaccurate bankruptcy and removed it from their files ( attached documentation ). I submitted another Dispute to the bureaus in XXXX with the letters sent by XXXX XXXX and XXXX XXXX said it was verified, which is impossible. Equifax and XXXX did not even respond ( illegals ) Here is a summary of the egregious missteps by the credit bureaus : Failure to Correct Errors : Despite providing all necessary evidence, each bureau has inexplicably failed to correct the inaccuracy. Their responses have been dismissive and inadequate, lacking any substantive action to rectify the mistake. 

Negligent Handling of Disputes : The process followed by the credit bureaus in handling my dispute has been grossly inefficient and unprofessional. Their failure to resolve the dispute in a timely manner reflects a troubling disregard for consumer rights. 

Impact on Creditworthiness : The erroneous bankruptcy record is significantly damaging my creditworthiness and, consequently, my financial stability. This ongoing issue has led to undue stress and has negatively impacted my ability to secure credit. 

I demand immediate action to rectify this situation. Specifically, I require : Prompt Removal : Immediate removal of the inaccurate bankruptcy entry from all three credit reports. 

Written Confirmation : Written confirmation from each credit bureau acknowledging the removal and detailing the corrective actions taken. 

Investigation and Accountability : A thorough investigation into the handling of my dispute, including a detailed explanation of why my evidence was ignored and what measures will be implemented to prevent such issues in the future. 

If these demands are not met within 15 days from the date of this letter, I will be compelled to escalate this matter further, including but not limited to seeking legal redress and filing formal complaints with additional regulatory bodies. 

The lack of action and accountability from Equifax, XXXX, and XXXX is unacceptable and reflects a serious breach of my consumer rights. I trust that the CFPB will act swiftly to ensure that this matter is resolved with the seriousness it warrants.
Product: Debt collection

The Credit Repair agency owner called my previous device in which I no longer have and has been given to a family member because I could not afford and left a voicemail calling me a coward for no paying what I owed even though I was told the money could be refunded for satisfaction guarantee and also stated account specific sensitive information in the voicemail. Also threatened to report to all XXXX credit agencies and hire an attorney to garnish my wages. Then he began to question my position in my company stating he does not know what kind of company I can be the head of because I am a coward and had funds reversed from their company. They have not sent me myself any communications through email which they have as well as anything to notify me of the fact I can not reverse the satisfaction guarantee funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 3. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 4. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX 11. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with Experian getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and Experian, XXXX, and XXXX are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with Experian and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}
Product: Mortgage

My home had damage from Hurricane Irma in XX/XX/XXXX. We filed a Wind damage claim with our insurance company in XXXX, within the 3 year window. After almost XXXX years of fighting with XXXX XXXX XXXX XXXX, and going to court settlement, we finally were granted a settlement, with the help of our Roof Contractor, and Public Adjuster we hired during the process. Nationstar Mortgage LLC, DBA Mr. Cooper, is our current lender and we needed them to endorse the check that came from the settlement, so we can start on our roof replacement repair. The check was sent to our lender for endorsement in XX/XX/XXXX. After several weeks of no response or seeing a copy of the endorsed check, it turns out that our lender, Mr. Cooper, lost the check. Our legal counsel had to have the opposing counsel request another check to be cut. After 3 months, a new check was sent out again, for all parties to endorse, in XXXX, XXXX. Then on XXXX, Hurrican Ian hit our home, here in XXXX XXXX, FL, and our home sustained even more damage, and yet we still never got our roof replaced/repaired from a Hurricane that hit in XXXX. Our lender, Mr. Cooper, sent us the check back, not endorsed, stating that the Public Adjuster we hired, couldn't be named on the check, and a new check would need to be cut without their name on it. They state that this is a FNMA rule. We explained to them that the court ordered the check to be cut this way, and a new check couldn't be cut without the Public Adjuster on it. Meanwhile this is all going on, several weeks keep passing, and my roof is still damaged from 2 hurricanes, and my lender is not helping us out, the customer. We are beyond frustrated and exhausted, and feel that our lender doesn't have our best interest in mind, to facilitate and work with us, to endorse the check, so we can actually get our roof repaired. We have XXXX children, several with XXXXXXXX XXXX XXXX XXXX and our lender is at fault for not endorsing the check, so we can make our home healthy and whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX who works for Kinum IncXXXX and has claimed other company names, has called to collect a debt exceeding $ XXXX that he claims is owed by my Mother, who is a senior citizen with memory issues. He was rude, threatening, and spoke horribly to her resulting in severe anxiety and fear - HE WAS VERBALLY ABUSIVE TO HER. He then called me and had the same tone about a " debt '' that was never owed or delinquent, and has been resolved by the pharmaceutical company, XXXX XXXX XXXX ( contact VP XXXX XXXX - XXXX ) I'd like to file a complaint on all of the companies that XXXX claims to work for as well as XXXX himself. He states a various company names when he introduces himself : XXXX XXXX is the most recent : Kinum , Inc. ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, IN XXXX Kinum, Inc. ( XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX XXXX XXXX place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent XXXX XXXX XXXX collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This violated my XXXX rights, made me pay an illegal down payment, I've been misled and deceived into making payments even though the finance charge in pursuant to 15 USC 1605 clearly states that the finance charge is the sum of all charges it also states that the insurance is included in the finance charge and pursuant to 15 USC 1605 cleary explain my right to rescind over charged me and made me pay for 3rd party insuranofce 2x. and now they illegally repossed my car with a court order in pursuant to 15 usc 1692 ( f ) 6 which states : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.they had no right to come take my car. they take advantage consumers because they know most people are not aware of the law. I AM XXXX AND WAS XXXX XXXX XXXX XXXX  IN PURSUANT TO15 USC 1611 knowingly failing to provide information which they're required to disclose they shall be fined not morethan XXXX or in prisoned for not more than XXXX year,
Product: Debt collection

Alliance One sent me a fraudulent letter in the USPS mail. They falsely accuse me of owing money to XXXX. Its important to note I did NOT have an OFFICAL account with XXXX XXXX, I WAS INVOLUNTARILY transferred to XXXX  when XXXX went out of business. XXXX XXXX NEVER sent me a XXXX card and since my account was initially with XXXX the XXXX store informed me I could only get a XXXX  card through the mail. I never got a XXXX  card and simply used the phone as a Wi-Fi phone and I filed complaints against the company for billing me even though I did not have service, they credited my account and now some XXXX years letter I get bogus letter from Alliance Once trying to collect a XXXX debt I never legitimately owed in the first place. I recently familiar with that specific issue with XXXX but their letter is for a debt I allegedly owed in XX/XX/year>??? XXXX overcharged sons phone who was a XXXX old they erroneously billed him instead of me and I had to file complaints about the erroneous debts on that account they were resolved more than 7 years ago. & years later the company is harassing me for XXXX XXXX XXXX FRAUDULENT DEBTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit card or prepaid card

I opened a secured credit card with 1st Progress using my own {$200.00}. I used and made payments on this card for 10 months and felt like I shouldnt be charged how much interest I have been being charged especially with the money I am spending is money I used on my card. So I decided to make the final payment and was under the impression that this account was closed at that point. I recieived more late fees and interest charges and caused my balance to go up and them to report me late to the credit bureauas. This has caused tremendous damage to my credit and I am about to lose the home I have worked so hard to get into. They should not be reporting me late when I placed the money on this card that I was previously using and cause severe damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have bank loan for XXXX I payed XXXX back. Now my car loan says my original balance was XXXX now and I owe XXXX back. Because I lost job due to Covid. Not a good look on my credit.
Product: Mortgage

Loancare, XXXX XXXX, and XXXX  XXXX XXXX has refused to refund me {$2100.00} for overpayment of property taxes during VA Refinance done on XXXX XX/XX/2020 Loancare, and XXXX XXXX knew that my property taxes were already paid, in full, on or around XXXX XX/XX/2020, and Loancare, XXXX XXXX, and XXXX XXXX XXXX withheld {$2100.00} from my closing, refused to refund it back to me, knew that it was wrong, and after 25-30 phone calls and 5 letters later, has continued to give me the runaround and refused to refund my overpayment. Today I spoke with XXXX, and XXXX XXXX at XXXX, and Loancare-XXXX XXXX  XXXX XXXX XXXX