23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Violation of FERPA The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ; 34 CFR Part 99, safeguards the privacy of student education records. Under FERPA, personally identifiable information ( PII ) from student records can not be disclosed without explicit consent, except under legally specified circumstances. I have reason to believe that my educational records and related student loan information were accessed, disclosed, or misused in ways that violate FERPA protections. Specifically, [ explain any instances where your records may have been mishandled, such as unauthorized disclosure, improper third-party access, or lack of consent for sharing information ]. 
Violation of the Privacy Act of 1974 The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that protects individuals ' personal information from unwarranted government intrusion and provides individuals the right to access and amend their records. I am invoking my rights under this Act due to the following reasons : My personal records, including student loan information, have been handled in a manner inconsistent with the Privacy Act 's guidelines. 

I was not properly informed about the disclosure or access to my personal data. 

I was denied access to my own records or prevented from correcting inaccuracies. 

Due to these serious violations of federal law, I am requesting a full discharge of my student loans serviced by MOHELA. These breaches compromise the integrity of my financial records and violate my legal protections. If this issue is not resolved in a timely manner. 

I request a written response acknowledging the receipt of this letter and outlining the steps MOHELA will take to investigate and resolve my concerns. Please provide this response within 30 days from the date of this letter. If necessary, I am willing to provide additional documentation supporting my claims. 

Thank you for your prompt attention to this urgent matter. I look forward to your response and resolution. 

My email address is XXXX Mohela is my servicer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized increase in the balance of my credit card account, number XXXX XXXX XXXX XXXX. Additionally, I have noticed that my account has been closed, reported as having a late payment, and the balance was increased without my consent. 

It is my understanding that it is illegal for a credit card issuer to close an account, report late payments, and increase a card balance without proper notification and explicit consent from the account holder. The recent actions taken on my account violate these legal requirements and are not in accordance with the terms and conditions of our agreement. 

I kindly request that you : Review and Correct the Balance : Immediately correct the balance to reflect the accurate amount and ensure no unauthorized charges or adjustments have been made. 

Reinstate My Account and Credit Score : Reopen the account and address any negative impact on my credit score caused by these unauthorized actions. 

Provide Written Confirmation : Send me written confirmation that the above actions have been completed and that my account status has been corrected. 

Please address this matter promptly. I expect a resolution within 15 business days from the date of this letter. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks.
Product: Vehicle loan or lease

I have reached out to credit acceptance multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " credit acceptance '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
Product: Credit reporting or other personal consumer reports

As you are aware that I was a victim of XXXX data breach and deleted the account from my credit report because you saw I was a victim of this data breach, TransUnion has refused to delete this item from my credit report. Please delete it immediately as I was a victim of this XXXX data breach. 
I attached a proof that I was in fact a victim of this XXXX data breach, I also attached a dispute result were TransUnion refused to delete this item.
Product: Student loan

After graduating from school I was faced with student loan repayment. I was never able to afford the payments and made that clear each time I was contacted by ( then XXXX ) Navient. Eventually I was offered a " low interest '' option, but had to agree to make payments each month for 15 months. I did this for 2 years straight, without missing a single payment. At the time of my financial review to reassess my payment amounts, the representative I was working with did n't delete my previous payments before setting up my new payments. This caused me to pay double each month for a few months. I called and spent hours ( which included hours I should have been working ) on the phone with representatives trying to reach a resolution. Eventually I was refunded the overpayment, but never refunded for bank fees. Fast forward to the end of 2014, I lost my job and called Navient to notify them. I was told ( and I always quote ), " There 's nothing we can do. You still have to pay ''. I was harassed by phone on a daily basis, from XXXX to XXXX Monday through Saturday. They called my mom, my brother, my old job that I specifically told them I no longer had. They argued with the person who answered their call, stating that she was lying about me no longer working there. They also revealed that they were debt collectors when leaving a message with my old coworker. Presently, I do n't know who owns my loan, as they 've sold it at least twice. It is an overwhelming feeling of despair and frustration, hopelessness and guilt. Every student I 've ever spoken to who has a loan through SallieMae/Navient has encountered similar negative experiences, some far worse than mine.
Product: Student loan

I contacted Navient in XX/XX/XXXX to discuss repayment options and they recommended I apply even though I stated I could make small payments and decided to make some of them anyway ( {$50.00} per month ). 

XX/XX/XXXX I was contacted by Navient to and told : " You're eligible to resolve your past due payments through forbearance and you may qualify for a new repayment plan. '' XX/XX/XXXX I was again contacted with the same email pushing me toward forbearance There have been many times over the past years that I have contacted Navient to talk about repayment options due to limited income and life situations. More recently, on XX/XX/XXXX I was put on forbearance when I contacted to inquire about what to do since my College has closed. I was put on forbearance and told to submit paperwork which I sent in but I never heard back and my payments reinstated XX/XX/XXXX.
Product: Student loan

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and XXXX XXXX XXXX XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX  Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXXXXXX XXXX XXXX Account Under FCRA To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXXXXXX XXXX XXXX According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data.

Actions Requested : Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report.

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit card

I have a Shop Your Way Credit Card, formerly a Sears/XXXX credit card except I can use anywhere now. It is considered a retail card, I can not get access to an online statement, however customer service can mail one, which takes 10-14 business days, they did mail it. Even though I have paperless statements, I still can not get access to a PDF statement, nor can they email it or fax it. Doesn't this seem odd, I need it for a closing and its urgent, frankly I did not think I would have such an issue getting my own information that I signed up for which is my own statements. Shop You Way has an non user friendly way of getting statements ( no app either ), here are the only options : Spreadsheet .XLS, CSV , Tab Delimited , TXT, and Custom Delimited, I do not know how to convert these or if there is a way. It should not be so difficult for the customer to access their own records. They can not email or fax and this is ludicris, hence why I am complaining. If you click on your statement you get a screen shot, which is not a statement, what else could the be doing that we may not know. I do not like that this information will be in the mail, especially since our mail is getting rerouted to other cities.
Product: Checking or savings account

Sir! 

Bonus for new checking accounts www.bankatfirst.com I opened a checking account at First Financial Bank at XXXX XXXX XXXX Branch in XXXX. 
It was opened in person and with reference code as per flyer available at branch. The bonus amount or {$200.00} was in relation to meet requirements to be accomplished by account holder. 

I could say that the account holder should three transactions ACH or check clearance. 
Since XX/XX/2021, I am not finding the bonus amount reimbursed. I had talk at the same branch. But we could not ascertain the terms of bonus. It seemed like lost. 

I could say the head office will have the flyers and record of scheme that was available by XX/XX/2021.
Product: Mortgage

On about XX/XX/XXXX we applied for a mortgage to purchase a property in XXXX XXXX, XXXX XXXX. We were told that Flagstar required only a 10 % down payment and a survey was NOT required. After we applied for the mortgage, on XX/XX/XXXX we received an estimated closing cost for {$55000.00}. The estimated closing costs were revised several more times. On XX/XX/XXXX, we received an estimated closing cost of {$86000.00}. Then on XX/XX/XXXX the closing cost again changed to {$47000.00}. None of these closing costs estimates matched the estimates of our attorney at the time. The estimates were all much higher. The whole process with applying for the loan presented problems. Each time we were told the loan would be closed as soon as we sent document A and Document B. After we sent these documents, then it would be just send document C and document D. Initially based on the initial closing cost estimates the loan was expected to close on XX/XX/XXXX but that did not occur. Finally, there seems to be some fraudulence in the ever changing estimated closing costs and that Flagstar gained representation by our very own lawyer XXXX XXXX. I was notified by the attorney I hired, XXXX XXXX on XX/XX/XXXX that he was no longer representing us and that he would be representing only Flagstar Bank in this transaction. He informed me that Flagstar had contacted him to represent them and he accepted their offer. I learned this information upon trying to determine who hired a surveyor company to survey the property without informing me. It was Flagstar bank. This was surprising because Flagstar ( XXXX XXXX ) told us a survey was not required. After learning that we no longer had a lawyer, our loan officer sent us an email stating all they needed to close was the title and they were unsuccessful in getting in contact with MY lawyer, who was really their lawyer. After informing our loan offer that we no longer wanted to proceed with the loan due to all the false information and inconsistencies, we received an email promptly stating they had received the title. All of the challenges with closing this mortgage has led us to the conclusion that Flagstar Bank is involved in fraudulent practices.
Product: Mortgage

I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! 
I have evidence for all accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX