23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Formal Dispute of Student Loan Due to Breach of Privacy and Violations of Federal Law To Whom It May Concern, I am writing to formally dispute my student loan ( XXXX  ) due to a breach of my personal and financial information, which directly violates the Higher Education Act, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). 

It has come to my attention that my private student loan information was accessed, shared, or disclosed without my knowledge or consent, constituting a serious violation of my rights under federal law. 

Specifically, I believe that the actions taken by XXXX XXXX and/or any associated organizations have compromised my personally identifiable information ( PII ) in a manner that is unlawful and harmful. This breach has placed me at risk of identity theft, financial fraud, and other damages, which are in direct violation of my rights as a borrower. 

Under FERPA and the Privacy Act of 1974, I am entitled to full protection of my educational records, including financial aid and loan information. Any unauthorized disclosure or misuse of such data is a legal violation and calls into question the validity and enforceability of my student loan ( XXXX ). Additionally, under the Higher Education Act, loan servicers and federal agencies are required to maintain strict compliance with borrower rights, a standard that has not been upheld in this case. 

Given these violations, I am formally requesting : XXXX. A full investigation into the unauthorized disclosure of my student loan information. 
XXXX. A complete audit of my loan records to determine the extent of the breach. 
XXXX. A hold or discharge of my student loan ( XXXX ) while this matter is being resolved. 
XXXX. Written confirmation of the steps taken to remedy this issue and ensure compliance with federal law. 

If this dispute is not resolved within XXXX  days, I will escalate this matter by filing formal complaints with the U.S. Department of Education, the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and relevant legal authorities. Additionally, I am prepared to take legal action if necessary to protect my rights and seek damages for any harm caused by this breach. 

Please provide a written response detailing your investigation and resolution of this matter as soon as possible. You may contact me directly at XXXX or XXXX XXXX XXXX should you require any additional information. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

I added {$200.00} to a Reloadit card and i never was able to get my money they told me the website was having trouble. The customer service WAS TERRIBLE i just took XXXX bucks of my hard earned money and put it on this card and POOF it was gone into XXXX KNOWS WHOS POCKET. I called over 5 times and it was the same thing we can not help you keep trying to create a safe on our site to put your money into and i kept getting the same error and when i would call them i would get the same run around. I just feel so taken advantage of
Product: Debt collection

My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.
Product: Credit reporting or other personal consumer reports

I sent a certified mail to Experian from the post office on XX/XX/year>. While it did arrive at Experian, they refused to accept it on XX/XX/year>. It is evident that they are intentionally stalling and avoiding having my certified mail in their possession. 

I have uploaded the document as a precaution, as this seems to be an attempt to avoid paying punitive damages of {$10000.00} due to their refusal to process my correspondence. Their actions have made it unnecessarily difficult for me to resolve this matter. I even attempted to send the documents via fax, but it has been challenging to get it through. 


XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 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 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

No Signature

, No Proof : Under the FCRA, credit bureaus are required to ensure the accuracy of the information they report. If you dispute an account and the creditor or data furnisher can not provide proper documentation ( such as a signed agreement proving the account is yours ), the credit bureau must delete or correct the information. You can cite 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the removal of unverifiable information. Stalling Tactics : The FCRA also requires credit bureaus to complete their investigation of disputes within 30 days ( or 45 days if additional information is provided ). If they fail to meet this timeline, they are in violation of 15 U.S.C. 1681i ( a ) ( 1 ). You can highlight this if you believe the bureau is stalling.

Debt Sold to Third Parties : The FDCPA prohibits unethical practices by debt collectors, including attempting to collect debts without proper validation. If a debt has been sold, the new collector must provide proof that they have the legal right to collect it. You can reference 15 U.S.C. 1692g ( b ), which requires debt collectors to validate debts upon request.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX back on XX/XX/XXXX and XXXX and the account was removed from my credit report but the account was put back on my report on XX/XX/year>, Transunion failed to notify me within 5 business days that the account was put back on pursuit of FCRA 611. This violates the consumer law
Product: Credit reporting or other personal consumer reports

I submitted a couple investigation request letters to the credit bureaus because they are reporting inaccurate and unverifable information on my credit report that is a violation of the FCRA and FDCPA and they never responded to me or processsed my request. I believe they are violating my rights as a consumer. I am considering legal action very soon.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 seven 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 or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX BankruptcyXXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.
Product: Checking or savings account

I go to XXXX XXXX and they use Bankmobile as the bank they release your funds to. I have tried several times to open an account with them and they always deny me and refuse to tell me why as required by federal law claiming it is the security department 's problem. Now every time I get my financial aid refund I have to cuss, rant, rave, and threaten a lawsuit and you all to get my money released and my profile found which after 5 minutes of hanging up from being constantly routed to an automated operator that continuously repeats the same message over and over ( " we can not help you if you did not receive a message from us which I never do when my funds are processed to my bank ) lo ' and behold my profile is found. This has been going on for XXXX XXXX now, the most recent being today. I should not have to pitch such a fuss and threaten legal action for a bank to follow the laws of this country and to follow their own policies. My school is even confused because they have never in all the years they have used them ever heard of a student being denied a checking account. 

This complaint is also being forwarded to the U.S. Department of Education.
Product: Mortgage

Discovered numerous instances of fraud concerning loan, appraisal, fraud involving overcharging on insurances and property maintenance services on my mortgage loan from XXXX unable to keep up payments Property value disintegrated in collapse of real estate markets- unable to sell or Bank filed foreclosure action- XXXX but Bank did not complete and fired 2 different law firms Bank would not accept many offers of short-sale in XXXX during foreclosure process Reached stimulated agreement in XXXX that Bank would take property back Bank agreed to stipulated agreement, but never returned to my lawyer and claims they lost the settlement paperwork and then changed law firms again Bank refiled foreclosure in XXXX and now wants over 1M deficiency judgment against me despite efforts to sell or legal agreements we have reached and despite all the disclosed fraud that was found regarding the actual loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion to delete unauthorized Credit Inquiries and they sent a letter back for me to reach out to call companies and have them remove them. I called companies and they stated they can not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX VA XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

So on XX/XX/XXXX I saw that I had 3 different charges that I did not make. They were all from XXXX & two were of XXXX $ & one was XXXX XXXX They were all charged in different citys as well, one was in XXXX. Another one XXXX & lastly XXXX. So I called my bank & they helped me first get a new card, report the other one & they gave me the money back, I think they said they gave it to me meanwhile they solve the case. But today XX/XX/XXXX I saw that it appeared again the 3 charges made in XXXX so I called my bank & they told me that they did not find it on my favor so they took the money back.
Product: Credit reporting or other personal consumer reports

PLEASE CEASE AND DESIST ALL FURTHER COMMUNICATION AS PER 15 USC 1692 ( C ). IF A CEASE AND DESIST IS GIVEN TO A CHRYSLER CAPITAL THEY MAY NOT COMMUNICATE, IN CONNECTION WITH THE COLLECTION OF ANY DEBT, TO THE CONSUMER, HIS ATTORNEY OR A CONSUMER REPORTING AGENCY!!!!!!!!!! I called Chrysler Capital on Friday XX/XX/XXXX and spoke to a representative named XXXX employee ID # XXXX. I asked her for a statement of account to show that the account has been Charged off and they told me that they don't have any paperwork that says that the account was charged off when it clearly states on all 3 credit reports the the account was charged off as of XX/XX/XXXX. CHRYSLER CAPITAL IS VIOLATING 15 USC 1692E - FALSE AND MISLEADING REPRESENTATIONS SUBSECTION 10 THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT A DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER BY TELLING ME THAT THEY DON'T HAVE ANY PAPERWORK SHOWING THE ACCOUNT WAS CHARGED OFF IS ABSOLUTELY RIDICULOUS.
Product: Credit card or prepaid card

Hello, A credit card was opened by someone who stole my SSN and XXXX somehow ( assuming it was leaked data I got warnings about from XXXX security regarding accounts using my G-mail ). The credit card company was Synchrony XXXX XXXX XXXX This blemished my XXXX XXXX, so I was able to pull the following from my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FRAUDLENT TRANSACTION INFO : XXXX via XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above was not authorized by me. this was someone with my XXXX and XXXX, who got it approved. They also have my name and address. 

I immediately called Synchrony Bank and they filed an investigation for me and suggested that I reach out to CFPB. their process will take 60 days they said. 

I would like help protecting my identity and also to remove this fraudulent credit check that hurt my XXXX XXXX. 

Thank you,- XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to Coinbase at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
The scammers wallet on Coinbase is : XXXX