23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Have violated my rights 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Product: Student loan

I sent letter to Aidvantage ( student loan services ) in regards to FERPA violation To Whom It May Concern, I am writing to formally address a serious issue regarding the violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that my personal information, including my Social Security Number, has been disclosed to an outside entity, specifically DOGE, without my explicit consent.

As you are aware, FERPA is designed to protect the privacy of students educational records and restricts the disclosure of personally identifiable information without the consent of the student. The unauthorized sharing of my sensitive information not only breaches these regulations but also poses a significant risk to my personal security and financial well-being.

The release of my Social Security Number raises severe concerns about identity theft, financial fraud, and the potential long-term effects on my credit and future opportunities. This breach of information is unacceptable, and I expect immediate corrective action to be taken.

In light of this violation of my rights and in consideration of the potential harm that may arise from the disclosure of my sensitive information, I am requesting a resolution. I believe that the most appropriate course of action would be the cancellation of all my current student debt to rectify this matter and provide me with the necessary safeguard against the repercussions of this breach.

They have violated my privacy and my rights and I am requesting for them to delete all my debt.
Product: Credit reporting or other personal consumer reports

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from XXXX  XXXX, Westlake Financial Services, XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$610.00} Account Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$630.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} XX/XX/XXXX I called each bank and informed them that they accounts were not mine, but no action was taken. I am still being called about collections and late payments. This has been going on since XXXX and I am just now rectifying the situation. Don't be like me and think identity theft couldn't happen to you because it can.
Product: Debt collection

Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.
Product: Credit reporting or other personal consumer reports

Summarized : A {$500.00} loan from the creditor XXXX  XXXX XXXX was obtained on XX/XX/XXXX. Payments were made on XX/XX/XXXX, and XX/XX/XXXX, for the loan repayment. This account was previously in collections, and a final overdue payment of {$160.00} was paid in full on XX/XX/XXXX. This collection payment was not reported as the balance was not updated, leading to an incorrect account status stating " {$160.00} written off '' in my credit report ( Experian ). Please see the payment confirmation details in the attached documentation with the screenshots and account dispute results.
Product: Credit reporting or other personal consumer reports

Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : XXXX & XXXX XXXX have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to XXXX XXXX XXXX XXXX  customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.
Product: Payday loan, title loan, or personal loan

On XX/XX/ I agreed to a loan for {$900.00}. When I go back to look at the loan I noticed now the loan is saying multiple advance for {$1800.00}. I only received {$900.00}. The loan also states its from XXXX to XXXX. Intetest rate of 777.82 %. The finance charge is {$6000.00} the total if paid the length of loan is {$6900.00} and that's paying XXXX weekly until loan is paid.
Product: Money transfer, virtual currency, or money service

Pay Pal has frozen my account XXXX because my husbands unemployment check was deposited in my acct. My husband made me representative payee over ALL his funds ( Although legally married in NYS, married couples money and assets, etc are marital property ie. Belong to both unless ordered by NYS Judge ). I submitted the paperwork from NYSDOL stating XXXX XXXX my husband was entitled to these funds & the notarized documents stating I am representative payee over his money and Pay Pal refused to release my funds of {$4200.00}.
Product: Credit reporting or other personal consumer reports

I have disputed and provided proof that this is false information reported on both our credit reports. One credit report has properly removed the information but the other two haven't. 
We moved into The XXXX at XXXX XXXX XXXX in XX/XX/XXXX. It became evident that there was mold in the plumbing including the toilets and HVAC. At first the leasing XXXX agreed to let us move after we paid to have the property inspected and found dangerous mold particles in the air. Through several emails at the end of XXXX, the leasing manager advised we could move out whenever was convienient for us and they would refund our {$250.00} admin fee and the {$500.00} deposit once we moved. The leasing manager, after we had secured a new place to live, stated that before we leave we needed to sign a " XXXX XXXX '' that was not mentioned in the email stating we could move. This agreement released the company from any liability and restricted us from speaking about the property 's mold issues. We refused to sign that since there was never a mention of it and if it had been presented before would not have agreed and would have proceeded to have the health department inspect the home. We proceeded to move out XX/XX/XXXX since that had already been agreed to in emails. 
Around XX/XX/XXXX, we received a collection notice for {$3100.00} from XXXX XXXX XXXX. I inquired what the collection was for and they advised it was for Early Termination. They reported to all XXXX credit reports. We should not have been charged anything since we were told we could leave and that we would receive a refund. The charge minus the {$500.00} deposit we paid is equal to 2 months rent. However, the Early Termination Fee stated in the lease is only 1 month which would be {$1800.00} minus the {$500.00} deposit. We would only be charged {$1300.00} if the fee were even valid. I have disputed the charges showing proof of the emails and lease and only XXXX XXXX XXXX XXXX has removed the information.
Product: Money transfer, virtual currency, or money service

I am emailing your good office to ask for assistance. 

I have just been recently scammed by someone named XXXX XXXX, through a rental scam. My husband and I were looking for properties to rent so we, along with our XXXX kids, can move in. He had advertised on XXXX, and I, with no prior knowledge and in good faith that he is trustworthy, trusted him. We viewed the property and he sounded sincere in the phone so we decided to send him a {$150.00} application fee, something which I had filled out online, to a Zelle account that is not under his name. He told us that we would have the key to the unit once we give him the security deposit. Since we have been desperate to finally have the place, we sent a {$1000.00} security deposit to that same Zelle account he had provided and he soon after provided a lease agreement which I started to doubt due to the format of the lease agreement. He then proceeded to ask us for more money, now saying we needed to pay a {$330.00} utility fee for the realtor to install utilities and {$120.00} to pay for the lease agreement, so I can sign the lease agreement. 

This morning, XX/XX/2023, I had asked him if its possible for him to refund the amount after he texted me early in the morning to send him the payment for the utility fee and lease agreement fee to a different Zelle account, something which I have not managed to get from him. 

I will be providing all the emails and contact information he has used to communicate with me, in hopes that you will find this man and help us get back our money. Both my husband and I are currently students and the money we used to pay the man and planning to repay the man in the future, were savings we have saved up to rent our own place. 

XXXX XXXX Email address : XXXX Number used : XXXX, XXXX Name and email he used for Zelle : XXXX XXXX, XXXX Please contact me for any more information J can hopefully provide you in hopes of catching the person. 

Thank you and God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
Product: Credit card

I noticed a negative mark on against me on my credit report today. 
I noticed it was Citibank/home depot . I have never been late, so I called and they told me we did not pay XXXX. I told them I did not pay XXXX because of hurricane helena impacting us. We were displaced from our home and could not move back in for weeks. They told us we could miss 2 months of payments at Citibank, so we did. They marked us late when they should have been helping my family. I was also in the hospital and could not make the payment. Citbank said there is no record of them talking to us, so they could not remove it. I told them that is not our fault. The phone cut off because of the bad weather and I did not call back, but thought they had us taken care of. Surely they can remove this late mark. The BIGGER problem was a charge for {$1600.00} which was ALL interest. That charge showed up on my card in XXXX. They told me I had not paid an item off in the 2 yrs given so they added interest on. I asked them which item did I buy that I had to pay off? They told me they had no record of an item but it was {$3600.00}. I told them that is a fraud charge as I never bought anything for {$3600.00}. I called Home Depot to see if they could look up what someone bought for {$3600.00} and they said nothing is on record. They told me at home depot to file a fraud charge with the credit card company and it will go away because they have no record of anything purchased for {$3600.00}. Also, Citibank could not tell me what it was but thought it was a computer. Home Depot does not sell computers, so this is a big mistake. That being said, they need to credit my account the {$3600.00} + the {$1600.00} interest fee. Which will also remove the {$1600.00} interest charge. Please remove asap.
Product: Debt collection

Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.
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 Re : **Dispute of Civil Liability under 15 U.S.C . 1681o** Dear XXXX XXXX I am writing to formally dispute the civil liability claim that has been made against me under **15 U.S.C. 1681o** ( Fair Credit Reporting Act ). It is my understanding that the claim involves alleged violations related to the accuracy or handling of my credit report and its associated obligations.

After reviewing the facts surrounding this matter, I believe there has been a misunderstanding or error, and I do not accept liability for the disputed charge/claim. Specifically, the allegations related to [ describe the alleged violation, such as incorrect information reported, failure to correct errors, or failure to notify within the required time ] are unfounded and unsupported by clear evidence.

Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies within my credit report and request a thorough investigation. I would appreciate it if you could provide me with any relevant documentation that supports the claim of civil liability and that justifies the claim being made under this section.

Please be advised that under **15 U.S.C. 1681o**, any willful noncompliance with the requirements outlined by the FCRA may result in significant consequences for the party responsible for the violation. I am confident that upon reviewing this matter, it will become evident that no violation occurred on my part.

Therefore, I kindly request that you immediately address this dispute and cease any further action regarding the civil liability claim. If this matter is not resolved within a reasonable time frame or if the claim is not withdrawn, I will not hesitate to pursue my rights under the Fair Credit Reporting Act, including seeking legal advice and remedies available to me. 

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

Sincerely, XXXX XXXX -- -- -- -- -- - Account XXXX XXXX XXXX XXXX RESURGENT RECEIVABLES LLC XXXX XXXX XXXX XXXX
Product: Credit reporting

This policy was paid in full. I moved on to another company and they are overcharging me almost as a penalty for leaving them. I want this removed from my credit as this is not a valid balance due. They are trying to make me pay for insurance that I did not use and I consider this a false claim. I want it immediately removed from my credit.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX, my XXXX XXXX XXXX financed through Capital One Finance was totaled. XXXX, my insurance provider deemed the vehicle as a total loss and deemed the vehicle 's value at the full value of the remaining loan amount. My loan will be at 30 days late on XXXX XXXX, during the processing of the total loss settlement, I had asked the company to place the account on hold to prevent a negative report to the credit bureau. While they knew the car was a total loss for which they would be receiving a check to pay off, they refused to place my account on hold until the check clears and the account is at zero. 

I am a veteran of the United States XXXX XXXX and I am currently experiencing a financial hardship ; I do not have the means to make an extra payment by XXXX XXXX to ensure there is not a bad reporting to the credit bureau. At this point, I have to make a decision between letting my utilities get cut off or make a car payment. Due to the processing time, my account should have been put on hold or in a temporary moratorium to await process times of pay off my loan. The member should not be held liable for this situation. The XXXX claims department has been in contact with Capital One, so they are well aware of the check/pay off by the insurance company. In fact, the representative read the notes back to me pertaining to the settlement. Based on the fact that it has been documented by both XXXX and Capital One that my car is a complete loss and a payment in full is in transit to the lender, it will cause an unnecessary hardship on me financially. I have worked extremely hard to maintain my good credit with Capital One over the years and I feel this is a predatory lending practice that will cause harm to me. 

I respectfully ask for your assistance to address this unfair lending practice by helping me obtain a moratorium on my account to allow for the insurance payment to process and prevent a 30 blemish on my credit. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was approved for mortgage forbearance through First Horizon mortgage company due to my hardships. I had to take care of my father who was XXXX from XXXX in Ohio, and my wife had her XXXX XXXX while XXXX XXXX to our daughter. I sent them all of the medical results to confirm this. I was also involved in an adverse arbitration ruling however we have factual evidence that the arbitrator was corrupt and since then the Florida XXXX has opened an advanced investigation into him. I sent that Florida XXXX letter in as well to verify my details. I was eventually approved for forbearance after going back and forth with the First Horizon for 6 months. Now they are Dual Tracking me and continuing to ask for the same information I already provided them. They refuse to answer any of my questions that I submit through their online portal. When I call in they say only a supervisor can address my questions. They always inform me they will call me back and they never do. I then demand to stay on hold to speak with a supervisor and they always tell me I can't tie up their phone lines. I finally reached out to a HUD counselor to assist. She was very kind and called in with me on the line. She experienced the same issues. Finally, she demanded to speak to a supervisor. He came on the line and told us their systems were down ( a usual excuse for them ), then hung up on us. Again I am left in limbo on what to do in my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened in my name with XXXX XXXX XXXX/XXXX by a fraudulent person/ identity thief .... i have provided police repot to credit bureaus Equifax and XXXX and no one will remove this from my credit report, it was removed by XXXX. i contacted XXXX several times and have received no response or a " we will call you back withing 48 hrs.. this has happened twice in the last two weeks. 

I dont know what else to do.
Product: Vehicle loan or lease

On XX/XX/XXXX, i purchased a new Harley Davidson XXXX XXXX motorcycle for {$15000.00}. On XX/XX/XXXX I brought the bike to the dealership for a recall and when I went to pick it up it was gone. It was picked up by the co-borrower and a third party. The sherriff refused to help and it was several months before I got the bike back from the co- borrower. During that time I did not make payments, several phone calls a day came in from Harley Davidson Financial, including additional calls to my place of employment. I lost my job due to the daily calls at work which slowed my attempts to get the account in good standing. As a result a voluntary repossession took place. To make matters worse, hurricane XXXX hit Florida a few days later and was told I could not pay to get it back because it was damaged beyond repair. I was also told, ( by an attorney ), that because the bike was in the posession of the recovery company at the time of the hurricane, their insurance company would have to settle with Harley Davidson. Not long after I received a letter stating it was charged off as bad debt, affected by natural disaster. Now 3 years later, I just received a collection notice for {$8500.00}. Is Harley Davidson entitled to be paid twice? Am I still liable for the loss even though the damage occured elsewhere?