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

I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and XXXX XXXX regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX  Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX  ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Vehicle loan or lease

I XXXX XXXX have a current loan agreement with title max on my auto loan, I just received a notice via mail XX/XX/XXXX stating about the data breach title max had received, that triggered me to then pull up my credit report to see my identity had been " stolen '' as there was a loan from this past year that I know forsure I did not receive or apply for, as i had been working to build my credit score in the recent year my score was almost XXXX, and now with my identity getting used by someone other than me I have now an unpaid loan on credit report which has now dropped my credit score to the low XXXX, I am extremely disappointed with title max, maybe if I would have received the news about the data breach maybe I then could of caught the fraudulent use of my identity. 
Also another complaint I am having is XXXX was the amount they lend me in XX/XX/XXXX, today I am still at a balance of XXXX as my payments mthy have been XXXX to XXXX mthly, I feel as the interest and fees I received make it impossible to even retrieve my title back as I have been repo in the past that was XXXX to retrieve my vehicle back, XX/XX/XXXX as I just got another repo XX/XX/XXXX with a balance of XXXX to retrieve my vehicle.
Product: Checking or savings account

My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 Balance : {$12000.00} ; XXXX XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I am writing about a current issue I am facing regarding a Truist joint checking account I had with my mother. 

My mother and I had this joint account for many years and every month her social security benefit deposited into the account where I, as her power of attorney and primary caregiver, would spend on her necessities. I had taken care of my mother for XXXX  years and the current issues I am facing with Truist bank stems from my mothers death which occurred on XX/XX/2023. On XX/XX/2023, her last social security payment was deposited into her account which in turn was used to cover her funeral expenses. When Social Security became aware of the date of my mothers death they attempted to clawback the benefit paid out. As the benefit was already paid out for my mothers funeral, Truist opted to pay out the benefit themselves to Social Security and placed an overdraft on the joint account and is pursuing me in attempting to recuperate the payout. The current amount they are pursuing with me is about {$930.00}. 

I explained to Truist that the account was only for my mother who passed away on XX/XX/2023 and my name was only on the account in order to manage the day to day care and affairs of my mother. Their attempt to pursue me for the balance owed on the account is especially troubling as I am currently XXXX XXXX XXXX and served as the primary caregiver for my parents over the past XXXX  years. During that time, and currently, I was out of the workforce and lack the skills necessary to secure employment. At present, I am reliant on minimal support from my XXXX. 

Given these circumstances, I kindly request your assistance in handling the necessary procedures related to my mother 's account and any pending transactions. Please advise on any documentation or processes required to address this matter promptly. Your understanding and support during this challenging period would be immensely appreciated.
Product: Mortgage

Shellpoint Mortgage Servicing is the lender for my investment property mortgage. My account has an escrow account. The lender had failed to pay my r.e. taxes due XX/XX/2020, so I am incurring penalties. 
I had received the letter from them stating that my r.e. payment had been made on XX/XX/2020, but checking the website today XX/XX/2020 it says that my r.e. taxes had not been paid.
Product: Debt collection

I am not behind on this company I current use this company and have no outstanding debt.
Product: Debt collection

1. My first collections report is from XXXX XXXXXXXX XXXX XXXX, the collections company is Aldous and Associates. I was renting an apartment from XXXX XXXX in XXXX, I decided to go spend sometime back in XXXX XXXX XXXX XXXXXX/XX/XXXX, during my road trip back home I was injured in a Semi truck collision which I was NOT at fault. I reached out to the XXXX  manager at the time letting her know that I would not be able to return to the apartment as my car was completely totaled out and I needed months of physical therapy to recover. The apartment and I were in agreement that as long as I cleaned out the apartment and returned the keys, the lease would end as a normal lease would end. Later that year in XXXXXXXX XXXX XXXX I noticed the collection was added to my credit report. My lawyer at the time contacted the apartment and was in agreement that it should not be on my report, but now in XXXXXXXX XXXX XXXXXXXX an {$3900.00} balance is still attached.
Product: Debt collection

XXXX/XXXX XXXX/XXXX XXXX, yes all three have been harassing me over an erroneous account that I have never once even seen a bill for or received anything showing me that this account is mine. I told XXXX XXXX a few months ago to leave me alone after substantial harassment and lack of any evidence of a {$640.00} debt. CFPB you actually investigated this and found my statement to be true and had the credit bureaus remove the account t from my credit report. I was told I would be left alone. Next thing I know a couple months later and this account was sold to XXXX XXXX and now I am being harassed again. I yet again have not ever once received a bill, a statement, or anything from anyone showing this is my account. I am not repsonsible for this {$640.00} debt that keeps popping up In my credit report and causing me me undue XXXX  and XXXX. This is not mine!! No one has ever provided evidence this is a real account even so how is that legal? CFPB, this is not right you lied to me and told me this was taken care of with XXXX  and now your doing nothing about this debt being resold and readded. There is no difference in this debt and it not being mine from when it was removed when it was owned by XXXX to it being owned by XXXX now. It should be removed just like it was before and I should be left alone. This is a major violation to my FCRA rights!

I seen today that CFPB is under some hot water for leaks within the agency and now I believe it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

American Express has continuously been contacting my ex husband looking for me even though we separated XXXX and a XXXX  years ago and our divorce was finalized over a year ago.
Product: Checking or savings account

ON XX/XX/year> A CLAIM WAS PUT IN FOR {$7300.00}, CLAIM NUMBER ID IS XXXX. MY CLAIM WAS DENIED ON XX/XX/year>. THE CHARGED ON MY CARD WAS FRAUDULENT AND I DID NOT AUTHORIZE THAT CHARGE. MY CLAIM SHOULD HAD NEVER BEEN DENIED BECAUSE THERE IS NO WAY ANY PERSON CAN VALIDATE FRAUD. MY ACCOUNT/CARD WAS HACKED AND STOLEN. I FEEL LIKE XXXX BEING TREATED UNFAIRLY AND I FEEL LIKE XXXX BEING TAKEN ADVANTAGE OF. I'M XXXX XXXX LIABLE FOR ANY UNAUTHORIZED OR FRAUDULENT CHARGES. I WAS TOLD BE A REP THAT THE REASON WHY MY CLAIM WAS DENIED BECAUSE I CHECKED MY ACCOUNT XXXX TIMES, THAT REASONING IS RIDICULOUS AND BIASS.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX, NA # XXXX Account Name : XXXX, NA # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
Zelle, a popular payment platform, has been the subject of a lawsuit that sheds light on several critical issues. Despite my frequent use of Zelle and reporting discrepancies, my financial institution and XXXX management failed to investigate my claims thoroughly. They dismissed my claims, stating that recovering lost funds was impossible and tracking these transactions was unfeasible. The Consumer Financial Protection Bureaus findings further corroborate these claims, revealing that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users susceptible to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Product: Credit card

Received notice from Discover Bank XXXX XX/XX/XXXX that account has been closed because Discover Bank received information from IRS indicating no IRS tax filings found for XXXX and XXXX. 
Called bank on XX/XX/XXXX and was advised they can not reinstate account due to Discover Bank policy .... 
Also was advised the cancellation by Discover Bank has reported this to credit agencies. This action has serious impact on credit ratings... 
.
Product: Mortgage

XX/XX/year> Mortgage Assistance request, financials was emailed to servicer. 
Servicer is not reviewing my request even though I have had a change with my finances. 
My debt has decreased, my Hazard insurance has decreased I have cheaper Homeowner Insurance. I am on XXXX I have sufficient income to pay my mortgage Please review my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Equifax disputes regarding erroneous accounts on my consumer credit file on XX/XX/2021, after mailing my dispute to it on XX/XX/2021. I faxed in the dispute because Equifax did not start an investigation. Faxing was the only way for me to get confirmation that my dispute was received the same day in case the company tried to lie and say it never received my dispute in the mail. According to Equifax, it has 5 business days to process my disputes. It has been more than XXXX business days and Equifax has not investigated my dispute. Equifax has a duty to investigate all disputes that it receives, yet it has neglected to investigate mine. Equifax is deliberately violating the law and enabling identity fraud by keeping these erroneous account of my file. I even sent Equifax dispute results from XXXX showing that XXXX was unable to verify erroneous accounts on my credit file, and Equifax has ignored it. How can Equifax verify items on my consumer credit file if XXXX couldn't. This particular company is damaging my reputation and preventing me from making major purchases. This company has failed to prove any of the negative, erroneous accounts belong to me. This company is merely parroting information, which is against the law. It has duty to investigate with physical evidence. Attached to this complaint are the disputes I sent Equifax, and the dispute results from XXXX showing REMOVAL of erroneous accounts from my consumer file. XXXX did it's due diligence and actually investigated my dispute and found these negative, erroneous accounts were NOT mine. My question again, how is Equifax verifying items on my report if another CRA COULDN'T?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was only past due one time over 90 days. Not 40 times. Equifax is not reporting the account properly.
Product: Payday loan, title loan, personal loan, or advance loan

Dave is a cash advance app. And its a fraudulent app which is adamant about forcing consumers to setup direct deposit with Dave. Dave takes days to settle payment and Dave advises consumers to signup with direct deposit so therefore settlements are processed quickly when consumer refuses to signup Dave will deliberately extent the settlement with the hopes of consumers change their method of repayment this company needs to be thoroughly investigated for its misconduct. In the past I would inquire why is the settlement not clear and Dave would request a screenshot of my bank transaction and immediately settle my payment now Dave refuses to request a screenshot and have me wait longer to settle my repayment. I closed my account with Dave on XX/XX/year> and have no plans on ever using their app I will also report them on social media bc they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no account number on file, and 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
Product: Money transfer, virtual currency, or money service

I saw a car in XXXX of this year in XXXX and wanted to purchase it. The seller appeared to be overseas and wanted to communicate with me by email. I provided a phone number and an email so we can communicate. The car was located in XXXX. He sent pictures and sent several documents, which all looked legit. ( Copy of all the documentation has been given to the bank before ). I asked about the shipping of the vehicle, and the person, XXXX XXXX XXXX, gave me the following address. 
( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and he said he would use the same shipping firm to ship the car from XXXX to the US. 
I agreed, and when I mentioned shipping time and transfer of the funds, he said the shipping would take about a month, and the shipping firm is acting like an escrow firm. They would keep the funds and release them to the seller once I receive the car here in the US. 
The scammers provided instructions for the XXXX transfer, and all the information came from the following website XXXX XXXXXXXX XXXX I handed them the instructions given to me at the CHASE bank location and asked how to proceed. The XXXX at the chase didn't even look at the paperwork. he did the XXXX  transfer without asking any questions. 

Here is the problem, We, as consumers, are not subject matter experts. We feel safe with bank instructions and bank suggestions. The instructions indicate that the bank officers look at this paperwork and ask us the proper questions. The bizarre fact is that this was a XXXX transfer from Chase to Chase here in the US. 

The bank employee doing the wire transfer didn't ask any questions. Have I been asked that this may be a scam? I would not proceed. I firmly believe that the bank is responsible for the mishap. Any bank would have XXXX XXXX XXXX for situations like this. CHASE wouldn't release the account holder on the other end, and I can not know who the scammers are. 
Delicate transactions like this happen daily, and banks are supposed to protect our funds. No one and I mean no one, asked me if this could be an illegal person. The instructions were given, correct but the bank must have instructions to stop situations like this and protect its consumers. In my case, the other XXXX account holder was protected since the bank would not release its information, but I lost XXXX $ for a mistake that easily could have been avoided if the bank had strengthened standard operating procedures.
Product: Debt collection

My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.