23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

U.S. Department of Education Subject : Formal Complaint of FERPA Violation and Demand for Compensation To Whom It May Concern, I am writing to formally address the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and 15 U.S.C. 1611 ( 1 ) by the U.S. Department of Education ( DOE ). My confidential student information was unlawfully disclosed to a third party without my written consent, in direct violation of FERPAs privacy protections. Additionally, this unauthorized disclosure constitutes a violation under 15 U.S.C. 1611 ( 1 ), which governs fraudulent and unlawful financial reporting practices. 

Violation of My FERPA Rights and 15 U.S.C. 1611 ( 1 ) FERPA explicitly prohibits the unauthorized release of students educational records and personally identifiable information ( PII ) without prior, written consent from the student ( or parent if the student is a minor ), except in limited circumstances outlined in 34 C.F.R. 99.31. The DOE, by disclosing my private educational information without my authorization, failed to uphold its legal obligations.

Additionally, under 15 U.S.C. 1611 ( 1 ), any willful and knowing falsification or misrepresentation of financial information related to a consumer is considered a violation of federal law. The unlawful dissemination of my financial and student loan information without consent has directly impacted my credit standing and financial stability.

Multiple Violations and Financial Harm It has come to my attention that there are 18 separate loans under my name that were subject to unauthorized disclosure. Each loan represents two distinct violations of my rights : {$1000.00} per violation per loan under FERPA.

{$5000.00} per violation per loan under 15 U.S.C. 1611 ( 1 ).

This results in {$6000.00} per loan in compensation. With 18 loans affected, I am entitled to a total of {$100000.00} in damages due to these violations.

Demand for Resolution I request that the Department of Education : 1.Provide a detailed report outlining which entities received my information, the specific data that was disclosed, and under what authority this release was made.

2.Cease all unauthorized disclosures of my educational and financial records.


3.Compensate me in the amount of {$100000.00} for the 18 separate violations, in accordance with FERPA and 15 U.S.C. 1611 ( 1 ).

4.Immediately cancel all outstanding student debt tied to my name due to the unlawful handling of my records.

5.Ensure the removal of all derogatory credit reporting related to this violation from all reporting agencies and any third parties that have received my data.

Failure to adequately address this complaint may result in legal action to enforce my rights under FERPA and 15 U.S.C. 1611 ( 1 ). I expect a formal response within 30 days of receipt of this letter.

Please direct all future correspondence regarding this matter to my contact information listed above.
Product: Credit reporting or other personal consumer reports

Another lie from this unscrupulous crooked predatory company, there are over 68 of these fraudulent lis saying you can view your results lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX 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

XXXX XXXX account # XXXX This company is reporting my consumer information inaccurately as follows : 1. Its reporting as a charge off but says there is currently a balance. They cant claim as a loss on taxes & also still collect said debt. 

2. They are also reporting my last payment as XX/XX/XXXX on XXXX XXXX XXXX. Yet, on Equifax they are reporting XX/XX/XXXX as my last payment. 

3.Their reporting on XX/XX/XXXX under payment history says Charge off on XXXX, Paid on Equifax and then nothing for XXXX. 

4. Also they are reporting my account opened on XX/XX/XXXX but only reported to XXXX as paid. Then XX/XX/XXXX - XX/XX/XXXX show as paid on experian but XXXX as paid no issues with Equifax & XXXX payments ever on XXXX. 

5. Reported as charged off across all 3 bureaus but have not reported any payments to XXXX while reporting to XXXX as well as Equifax of payments.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$160.00}.
Product: Credit card or prepaid card

I noticed my account was recently closed with no explanation. I Make all my payments on time and been a valued customer for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to seek the proper date of first delinquency from the reporting on Experian that i am getting from a recent credit account review. You can also see the attached information. 

What is the date of first delinquency on this account? meaning the day/month/year I become 30 days past due and never again did I bring my account back current on NOT DELINQUENT? 

It is my belief that this account should be deleted right now as it has been over 7 years from the date of first delinquency. Please provided detailed account information through this system. 

XXXX XXXX Acct # XXXX This account is inaccurate, date of first delinquencies ; balance, past due, and charge off date are all incorrect. Inaccurate Balance of {$900.00} is being reported as of last month, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX.
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 
XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> The credit bureaus have also violated the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts i want removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was given to Nathan and Nathan. I settled the debt in XXXX of 2018. Nathan and Nathan communicated with the original debtor ( XXXX XXXX ) the account was settled. XXXX XXXX has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
Product: Credit card

I have XXXX credit cards with bank of American I mail the payments most times for both credit cards. I use checks on my bank of American accounts. they cashed XXXX but not the other. I waited XXXX days and still nothing. I tried to contact them via the app and now on the phone. I have been on hold for XXXX mins. I will have to put a lost / stop payment on the check. I want them to research how they cashed XXXX but not the other when they were in the same envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this i find myself paying higher in interest rates. Please into resolving this matter for me, because it has caused me lots of stress, and paying higher in interest rates. 

Thank yo for your assistance.
Product: Mortgage

It was never disclosed to me that this was a consumer credit transaction, and that I am the Creditor/investor and beneficiary. all " charges '' were to be included in the finance charge, and that it was I who " lent '' the credit to the " original lender '' it is extortion, peonage, slavery for them to claim I owe a debt when there can be no debt in a consumer credit transaction, because I was the source of the Credit. they violated the consumer protection laws, failed to setoff and balance account and are receiving unjust enrichment at my expense. show me anywhere in the application, promissory note, mortgage where i actually " owe '' a debt. Federal and State law, says that you must protect the consumer and his interests. but Shellpoint mortgage servicing aka " owner of the " loan '' '' has failed to do so. 
it is a Fact the people are the credit " full faith and credit of the nation '' we are the money, we create the money, and are being used, abused and harmed by the corporations failing to balance the books and pay what they owe. they are the ones who are failing to file and pay the taxes owed. they are abusing the Social Security Trust account, and gaining double and tripple dipping ( unjust enrichment ) by stealing the credit and stealing the labor of the people to force them to " pay '' again with labor, which of what was already paid ( credited ) and concealed. it is fraud, it is unconscionable and a violation of the Most High Creator 's law. since all " money '' is created from the peoples deposit and signatures on negotiable instruments/securities and or bonds/ who owes who? it is time to stop the fraud and slavery being perpetrated upon the people on earth. it is your job as you are paid by the peoples taxes ( forced imposed contribution =investment ) to protect the consumers ( people ). Trustees are in breach of trust. as the trust was created when they accepted the social security number, and consumer information, which made them trustee, as we are the true beneficiary, and it does not benefit the beneficiary to have to " pay '' again.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. This account originates from XXXX XXXX, while I have been a resident of XXXX for the past XXXX  years. I recently discovered that your company is reporting an account that was previously handled by MIDLAND CREDIT MANAGEMNT INC. After resolving the matter with XXXX, I was surprised to find it now listed under your name, which appears to be just another DBA for the same company. This practice is concerning and, I believe, not legal. I previously requested verification for this account, but I have yet to receive any documentation to support your claims. According to your representative, MIDLAND are essentially the same entity, raising questions about the legitimacy of your collection efforts. I am now formally requesting clarification regarding the ownership of this account. It is unacceptable for a debt that has already been addressed to be pursued under a different name without proper verification. This situation violates the Fair Credit Reporting Act ( FCRA ), and I urge you to take immediate action to resolve this matter. I expect a prompt response regarding the verification and ownership of this account. Under the method of verification outlined in XXXX USC XXXX ( a ) ( 6 ) ( B ) ( iii ), you are required to send the necessary documentation within 15 days, along with a description of the procedure used for verification and documentation that came out from the investigation.
Product: Debt collection

I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Vehicle loan or lease

I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Please remove late charges You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS XXXX  ACCOUNT ( XXXX ) HAS BEEN DISPUTED AND COLLECTION HAS BEEN DELETED FROM FILE BECAUSE THIS ACCOUNT HAS BEEN FOUND FRAUDULENT. I NEED THIS UPDATED AND REMOVED FROM MY CREDIT FILE IMMEDIATELY ALL DOCUMENTS HAVE BEEN SUBMITTED TO THE COMPANY FOR REMOVAL AND SINCE THE ACCOUNT WAS SOLD TO FIRST FINANCIAL AND THE COMPANY DELETED THIS FROM MY CREDIT FILE THE ORIGINAL CREDITOR XXXX  NO LONGER HAS RIGHTS TO FURNISH THIS ACCOUNT ON MY CREDIT FILE. REMOVE IMMEDIATELY
Product: Credit card

Disputed last pd date in XXXX, account charged off. Showing on C/R, s as Open Credit.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX  I noticed that there was an accurate and negative information reporting on my credit report. 


According to the fair credit act law my brace was violated.

15 USC 1681, section 602 states that I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S Code 1681a - definitions ; rules of construction - exclusion- except as provided in paragraph the term- consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Product: Mortgage

I had a modification over 2 years ago. It was plagued with misapplied funds, inconsistent record keeping, and a price increase in violation of our signed modification agreement. After falling into a difficult financial period, Wells Fargo offered me the opportunity to submit another modification request, full well knowing I had a prior modification. After 2 months of gathering & submitting all documents to their satisfaction, I was told by preservation specialist XXXX XXXX that they can not even consider looking at my documents because my prior modification appears to have been less than 2 years ago. She would not provide actual dates, explanation as to why Wells Fargo went though the extensive document gathering process, or what the guideline is that I do not meet the qualification for. I was initially told there were various options, including allocating past-due payments to the back of the loan. My payment increased {$150.00}. per month above the agreed upon modification schedule after only 1 year, greater than the rate reduction I received per month. My interest rate went up, not down, during the initial modification process. I do not believe any of these manipulative tactics are legal according to XXXX guidelines. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX County County Courthouse, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXXXXXX
Product: Debt collection

XXXX  XXXX XXXX took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( CMRE ) I will NOT pay one cent on debt already settled once!
Product: Checking or savings account

I have been banking with Chime. On XX/XX/, I XXXX chime customer support to find their phone number. I have attached the number that showed up. When I called the number the person answered Chime Customer Support, how can I help you. I told them I was calling about there spot me feature and needed some information. Being my first time calling I had no idea that it was a fraudulent scam number. She verified my information and told me everything was set up for me to use the feature. After hanging up, I went to my Chime phone app and saw that all of my money was gone. I immediately called my mom and told her what happened. We finally found the correct chime phone number and put in a dispute. One hour later, chime denied my dispute. I called chime and told them I need a supervisor in the dispute department. I explained to her in detail what happened. She filed a rebuttal. Yesterday, they denied my rebuttal. I have no idea who the person is that took my money. When I called the initial number back they laughed at me and made barking noises. I was very upset and did not know who else to turn to. So I found your website online. I have enclosed all the proof that I have. I have since found out that Chime has so many complaints for the same thing and yet this keeps happening to us the consumers. I have only my pay to live and now am suffering due to Chimes negligence on not taking care of their customers. They did not even once try to block my acct. or bother to change anything so these scammers can not do this to me again.