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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX XXXX and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and seek your urgent intervention regarding apparent violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and personal data by the Department of Education and its contracted loan servicers. 

The Family Educational Rights and Privacy Act ( FERPA ) deems all student loan information held by the Department of Education to be classified as protected education records under 20 USC 1232g ( b ). This imposes strict legal obligations to maintain confidentiality and privacy over this sensitive data. 

However, I have uncovered disturbing evidence that suggests my private student loan details have been mismanaged, improperly disseminated, and/or inaccurately reported without my explicit consent. Such actions constitute a flagrant breach of FERPA 's confidentiality requirements for education records.

Moreover, these violations appear to run afoul of the principles laid out in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), which upholds the imperative of consumer reporting agencies handling consumer information fairly, accurately and with utmost respect for individual privacy rights per section 1681 ( a ) ( 4 ).

Given the status of student loan data as protected education records under FERPA, any unauthorized disclosure or mishandling fails to meet the FCRA 's stated objective of ensuring proper utilization of consumer data with necessary confidentiality safeguards in place, as mandated by section 1681 ( b ).

I urge the CFPB to immediately open a thorough investigation into these alleged privacy violations by the Department of Education, student loan servicers and any other actors who have compromised the lawful confidentiality of my student records. Such transgressions are unacceptable and unlawful.

Please advise on the specific remedial actions, enforcement measures and systemic corrective steps your agency will take to address this complaint, hold violators accountable, and uphold my statutory rights to student record privacy and confidentiality as guaranteed under FERPA and the FCRA 's provisions.

Thank you for your prompt attention to this grave matter impacting student privacy rights. I look forward to your official response and resolute action.
Product: Credit card or prepaid card

I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.
Product: Debt collection

Progressive Management Systems continue to call on a debt that I never occurred in 2010. They say they are the holder for a debt for a payday loan that occurred in that year. I have mentioned that I did not obtain a payday loan during the time they specified. 

I have also told them three times now that I have had all past debts discharged in Federal Bankruptcy Court out of XXXX XXXX in 2010. They continue to harass me by calling my mobile phone multiple times. 

My bankruptcy lawyer was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE : XXXX FAX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX   XXXX  filed ftc 40 days ago
Product: Mortgage

{$13000.00} was charged to XXXX account in XXXX XXXX Since this date Wells Fargo has been unable to furnish any backup documents to support this charge. At XXXX/XXXX/XXXX, with compound monthly interest at 10.75 %, the total amount charged to XXXX account from XXXX thru XXXX is {$93000.00} which is greater than the foreclosure amount.. 
XXXX has sent dozens of qualified RESPA requests only to receive the same reply for each. " WE have received your inquiry and as soon as our research is complete you will be advised. '' This is not believable and is criminal fraud. For 13 years Wells Fargo has been sending this same reply. Recently Wells Fargo advised this charge resulted from a Loan Modification dated in XXXX XXXX. This is criminal fraud because the {$13000.00} was charged to XXXX account 20 months before XXXX XXXX. 
XXXX Loan Number with Wells Fargo is XXXX. 
XXXX Desired Resolution. 
Place Criminal Charges against Wells Fargo for {$93000.00} for attempted Larceny Force immediate return of the XXXX. 
Please advise what additional data you will need in order to enforce these charges against Well Fargo Thank you very much XXXX XXXX XXXX Phone XXXX. 
This is the Third Request sent to CFPB. I have received one reply. Advising it will take 10 months to research this problem. This is not believable because they have been researching for the the last 13 years. 









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Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding the accuracy of information being reported to consumer reporting agencies under my name. I believe that the information you provided is inaccurate, and I would like to remind you of your duties as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, and relevant Florida statutes XXXX AND XXXX XXXX XXXX REPORTING INACCURATE ACCOUNT INFORMATION I HAVE POINTED OUT ALL INACCURATE INFORMATION AND INCOMPLETE INFORMATION, AND ALSO THE MISSING INFORMATION. PURSUANT TO THE FCRA Obligations FCRA XXXX XXXX AND STATE LAW Statutes under XXXX it is unlawful for any person to make false statements regarding a consumer 's creditworthiness, and such actions XXXX lead to civil liability
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have never agreed to do business with the creditors listed. Any deal made in my name was done without my knowledge or consent. 

Please remove immediately. 

These accounts are being reported under different names, by a different company on each bureau as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  regarding a late payment issue that has negatively impacted my account. 

I have been a customer of XXXX for XXXX two years '' and have always made my payments on time. However, despite making my payment on XX/XX/2024, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmount Paid : ** XXXX Despite my attempts to resolve this issue directly with XXXX XXXX customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/2024 and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error.

2. Removal of any late fees or penalties associated with this error.

3. Correction of any negative impact on my credit report due to this late payment.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

PROVIDED IN FIRST REPORT ADDING REMAINING FRAUD ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance XXXX {$2700.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called Experian, XXXX, XXXX, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan open with Ally Auto ( Ally Financial ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from Ally Auto. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted Ally Financial and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems Ally Auto has some incorrect information on what they are reporting on my account to the credit bureaus.
Product: Mortgage

I have attempted to save my home from foreclosure for the past 3 years : I have {$200000.00} to pay towards my mortgage and I am getting no where with Select Portfolio Servicing : They say my investor XXXX does not participate in modification but I find information that states that they do : I just want to save my home.
Product: Credit reporting

This specific XXXX XXXX XXXX ( Account # XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Product: Checking or savings account

I disputed a charged and was given a provisional credit for a unauthorized transaction of {$370.00} back in XXXX of this year. I had filled a police report for my belongings being taken. I never heard from Citi Bank. Here it is, I sent {$180.00} to my back to pay my bills and Im the middle of the night I realized I was negative {$170.00}. Come to find out Citi Bank Reversed the credit due to No Response to a letter they sent via USPS. I never received the letter, so I called the claims dept to get more information and to get the provisional credit back on my account. 

I informed the gentleman I never received the letter and asked him why is it I did not receive a phone call nor am email if they have not heard from me. The gentleman stated they dont have a way to call nor email ( which I find that to be bizarre ) its XXXX there should be other avenues to reach a client if you arent able to reach them by mail. 

When informing the client they have taken my electric bill money from my account he stated there was NOTHING he can do. I informed him that this is not my fault that I did not receive a letter in the mail, its not my fault your company dont have a way to call nor email and I would like for this case / credit reversal to be reversed. He stated nothing he can do, even though my money is secured with the FDIC. 

I asked to speak to his manager he said no manager is available until 24/48 hours. This really upset me because Im facing a disconnect in Electric which will cause me to lose my job because I work from home and you are telling me no supervisor is available. I am angry and need someone to assist me with this issue this bank have really inconvenienced me ( Given the fact I been on the phone since XXXX with no resolution. 

Not only have this inconvenienced me but I have to work in the morning at XXXX with hardly no sleep and no piece of mind knowing that my money was taken because the decision this bank made due to not being able to hear from me by only reaching out to me by a letter ONLY! This is ludicrous and once this is over I will be closing this account. 

Lastly, this guy had the audacity to say well the merchant provided chat messages between them and you I said I said sir I dont care what they sent you, Im telling you someone is portraying to be me and that has nothing to do with the reason you stated they reversed the credit and closed the case including no one being available in management to assist me in this urgent moment. 

I need this to be investigated please and I need help with getting this issue resolved and overturned please.
Product: Debt collection

XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX LLC XXXX XXXX Summit XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from XXXX in or about 2011, advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX XXXX, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used XXXX 's credit card. I ask that I be reimbursed the monies taken from my account.
Product: Credit card or prepaid card

On XX/XX/2022, I made an {$8000.00} payment to my contract using my Limitless Cash Back Visa from USAA. The charge cleared my account, and I paid the balance due by XX/XX/2022. My contractor notified me that the payment had still not been received in his XXXX account by XX/XX/2022. I called USAA to explain the situation and was advised to file a dispute. 

I received a request for additional information from USAA on XX/XX/2022. I uploaded a letter in response to their request on XX/XX/2022, and requested a phone call if they required clarification or more documentation. Instead of calling me, they uploaded a letter to my documents on their website on XX/XX/2022 ( XXXX XXXX  ) and reversed the " loan '' they had put on my card while the dispute was pending. I did not receive a phone call or any direct communication prior to the reversal. 

I called USAA again on XX/XX/2022 after having my card declined due to the charge putting my balance over the limit. The representative stated she could see the letter I submitted and entered a request for call back. As of XX/XX/2022, I had not received any communication or change to my card balance so I called them again. The representative said they have up to 5 business days to review the request and call me. 

At this point, I am without {$8000.00} of my money because of a mistake in a system that processes card payments ( USAA or XXXX, no one will tell me ). USAA is not taking any initiative to remedy this situation despite having been a member in good standing for nearly 17 years. I do not want the over limit to effect my credit score, and I need my money back to continue paying my contractor.
Product: Debt collection

Credit Control , LLC was supposedly given my account by XXXX on XX/XX/2020, regarding a credit card debt that was not cleared by my ex-husband after our divorce. I had spoken with the first debt collected, XXXX XXXX, and told them I couldnt do anything because of COVID affected unemployment. They were supposed to stop communication. I only found out about Credit Control , LLC and got their name and number because they called my sister, and, illegally, told her about my supposed debt. I have audio recording of the phone call I made to them in response to their illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE.

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
Product: Mortgage

I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!