23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility to safeguard my information. I am writing to formally file a complaint under the Family Education Rights and privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. 
On or about XX/XX/year>, I became aware that individuals associated with, XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believed this constitutes a violation of my FERPA rights.

To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to unauthorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. 
I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps, I can take to prevent further unauthorized access to my records.
Product: Mortgage

This company LoanDepot had a data Breach around XX/XX/XXXX. This company LoanDepot didn't let me know my personal information was stolen until five months later, so during period from XX/XX/XXXX until XX/XX/XXXX my credit score, address, social security number, and personal information have been affected by this company LoanDepot because of a data Breach that happen back on XX/XX/XXXX and I feel they are total responsible for me getting denied for my VA Mortgage loan that was denied because this Company had a Data Breach on XXXX!
Product: Debt collection

I closed an account with XXXX XXXX when I moved from Texas to Oregon. I returned all equipment, and the representative confirmed he closed my account as well as waived the last month 's fee as a token of " good luck '' moving across the country. I had the receipt reflecting both the return and the account being closed, as well as text communications with my wife of the great encounter I had at the store. They had made zero attempt to let me know that they did not in fact waive the last month regardless of the receipt and what the representative at the store said. This was in XXXX and they sent it to collections in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to the 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Transunion Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Transunion XXXX XXXX Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have visited multiple car lots and only authorized a credit check once but it was checked numerous amount of times. Which impacted my credit in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Product: Debt collection

Hello, I was contacted by a debt collection company - Aldous & Associates P.L.L.C around a week ago regarding the alleged debt I have. 
The amount they provided was incorrect as I had a contract with the health center for XXXX including taxes and according to Aldous & Associates P.L.L.C the current balance was XXXX XXXX 
After I called them the first time and telling I had a contract for XXXX XXXX they told me the additional amount was for their fee as after sending the debt to collections they added their fee so that's how it got to XXXX. This was on XX/XX/XXXX. Also, I requested a breakdown of the debt to validate the debt and they did not provide it. 
So far I have not received any debt validation letter and have not received anything by mail. 
Today XX/XX/XXXX I called them back and asked for debt validation letter and they send me the email with my account number and name of the institution, debt amount, my address and ways to pay the debt. 
So I still have not received the debt validation letter or the breakdown of the debt nor the acknowledgment of how it got to XXXX XXXX After calling them today and asking about this amount and stating from the previous call that it was their fee ( according to their colleague ) they told me they did not have any fee, only payment processing which is only up to XXXX XXXX So no one is providing the information about how the debt got to this amount and they are not sending me debt validation letter. 
They said two different things on calls about the amount and one of their representatives even hung up on me after I requested debt validation letter.

I also didn't receive notice of right to dispute or any communication by mail.
Product: Checking or savings account

I deposited checks at my Fifth third Bank account in 2019 which was given to me by my brother and relatives to buy my house as I was low on my down payment. The Bank put on hold for one month. Then they said they sent one of the checks to IRS in amount of {$7000.00}. I called several times to the bank which they keep saying to contact IRS. I have been talking with IRS live agent and sending mail butThey are saying that they didnt get any source of the check which was sent to IRS by Fifth Third Bank XXXX 
The contact person for Fifth Third Bank is XXXX XXXX. She can be reached at XXXX XXXX XXXX. 
I humbly would like to request if you can help me where the check is and how do I get back. 
Thank you for all your helps. 
Here is My informations Name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX. XXXX  XXXX Phone XXXX XXXX XXXX Email XXXX Sincerely XXXX XXXX
Product: Debt collection

I contacted his collection company about a debt they said I owed. They never contacted me, I was updated my credit information and got an alert that a collection was added to my credit report. I immediately disputed that claim via on line. I then received a letter in the mail a few weeks later from the collection agency. I sent a certified letter to their company for them to validate this claim on XX/XX/XXXX. Today I received a letter from some attorneys office, with a letter attached with information they are claiming is mine and from me. It has a address that Ive never lived at, a phone # that is not mine and a email that was hatched years ago and is no longer in use. I called this company and the lady who answer, answered like it was her personal phone and not and attorneys office. She did not tell me who she was, or who she worked for. Only when I said I received a letter from some lawyers office is when she asked me my name and address. I then explain to her this is not my debt, Ive never enrolled in a training class online. She did says well I got the information from them and its you and we can settled with a payment. I said this is a identity theft and Im reporting your company. She then says, it was a XXXX dollar payment paid at enrollment but was declined. I explain to her why would I sign up for a online school, that requires XXXX dollars and it get declined. I said I had fraud alrert put on my social security number as well as my bank account and bank cards, that email and address is on the black list and my information was sold. I explain I will have my lawyer deal with this because Ive had this same company try to get money years ago doing the same thing. That was also proven to be fraud. She then say get your lawyer and we will deal with them too.
Product: Payday loan, title loan, or personal loan

XX/XX/21 I applied and was approved for secured loan with One Main Financial. I was approved and uploaded required documents for a check disbursement from a XXXX in the XXXX, MN branch. I signed all the necessary documents in the branch via a computer. I was told my loan would be disbursed immediately. 

I cancelled an important meeting as to meet with her in person and obtain check. XXXX the wrong payoff on my vehicle from the current XXXX holder. I informed her such information was incorrect. XXXX was very abrupt and rude and told me, " she waited on hold XXXX minutes to get my pay off amount and that it was correct! '' She then said she was, " Done and that I had to leave the office immediately '' without offering any other information. 

I contacted the OneMain XXXX XXXX in XXXX, IN and was required to leave a VM and wait for a call back. As of the time of this complaint no one has returned my call. 

I then called XXXX -- XXXX and was told I had to go through the sales center and could not visit a branch. I was transferred to a XXXX, referred as my, " closer. '' XXXX then told me he had all documents necessary except for my vehicle registration and to upload that via my OneMaiXXXX account on line. Trying to log into my online account, but it is NOW MISSING! 

I then called OneMain XXXX number again and I was put on hold XXXX minutes ONLY TO BE TOLD SHE HAD TO TRANSFER ME. I was transferred to the main number once again! That representative told I had XXXX applications on file. I only applied for XXXX and have submitted and filled out ALL DOCUMENTS AND SIGNED LOAD DOCUMENTS THIS morning with XXXX!
Product: Credit reporting

I have sent Equifax several letters over 3 months requesting validation of the XXXX account they have on my report. I have not received any paper work like I requested that XXXX is indeed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and spoke with a representative explaining that there are several fradugelent inquiries and an account from XXXX listed on my credit report. I have explained that I did not ask for these things or applied for anything with my personal information. They instructed that I send in an Identity Theft Report and my ID which I have in the past but they keep saying that they didn't get it. I am attaching the information to this complaint.
Product: Credit reporting or other personal consumer reports

This CEPB complaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. The account ( XXXX XXXX XXXXXXXX Account : XXXX ) which I do not recognize or have ever done business with referred account and or collection as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXXXXXX XXXX XXXX, Gm financial XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?
Product: Debt collection

First of all, Asset Acceptance , LLC is trying to make me pay an account that I do n't remember. Their collector told me this debt started in XX/XX/XXXX with another company. This date makes the debt beyond Florida statute and the seven-year credit history. The collector also said her company had this account since XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX, no one has shown me the contract but this company had time to call my family asking about me after I mail a letter asking them not to call. They also refuse to show me the contract. The collector wants to tell me what on the contract in her words. I want to see it myself because she is the same collector that said she does n't know Florida 's time limit law. These are my disputes.
Product: Credit reporting or other personal consumer reports

Hard Inquiries to removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB Representative, In XX/XX/XXXX Chase raised my APR from 11.99 % to 12.24 %, then in XX/XX/XXXX raised the APR to 12.99 %, then XX/XX/XXXX to 13.24 %, then in XX/XX/XXXX to 16.24 %. I thought that low interest rates were a reward for good customers. In all of these years I have never been late and have repeatedly paid the balance off. I sent an email yesterday, XX/XX/XXXX, to Chase asking that the interest rate be lowered and they responded that they would lower my interest rate but that they will have to close the account. What?! 

I ask that the interest rate be lowered but the account will be closed affecting my credit and discontinuing my credit line? Is this normal practice and legal? 

The other Chase card went from 10.74 % to 10.99 % in XX/XX/XXXX, then 11.24 % in XX/XX/XXXX, then 14.49 % in XX/XX/XXXX, then 14.74 % in XX/XX/XXXX, then 14.99 % in XX/XX/XXXX, then 15.24 % in XX/XX/XXXX, then 15.49 in XX/XX/XXXX, to 15.74 % in XX/XX/XXXX! This is not so much of a problem because I do not carry a balance on this card ( though I did try a balance transfer promotion in XX/XX/XXXX but after they tried to charge me interest - which were all refunded - I transferred out the monies to a better card ). So, I pay off the card every month and yet get these APR increases? 

Both of these cards were grandfathered from my previous bank. When Chase purchased the bank @ XXXX I very quickly transferred my checking and saving accounts to another bank ; however, retained my credit cards since it would adversely affect my credit to close the accounts. In other words it is not by choice that I have two Chase credit cards. However, my low APR remained initially. I was and am a responsible card holder. No lateness in over a decade and have repeatedly paid the balance in full. 

In XX/XX/XXXX Chase raised my APRs because my " APRs are below the lowest APRs we currently offer on similar accounts. '' Out of their 'fairness ', my APR was raised. 

Is this fair practice to raise the APR willy-nilly just because and to do it so often? Do I have any recourse other than closing these credit card accounts? We are always under the threat of raised APRs due to some form of delinquency but Chase seems to be raising my APR to CAUSE delinquency on my part. 

Please help! I do not want to close my accounts and I would like my APRs lowered. 

Their response is attached.
Product: Credit reporting

I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.