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

To Whom It May Concern, I am writing to formally lodge a complaint regarding 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 Title IV 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 : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV 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.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Checking or savings account

On XX/XX/2024 I tried to log into my mobile app and it said my account blocked to call customer service. I called customer service and they gave me the number of fraud prevention to solve the issue. Fraud prevention went through all verification and then mentioned they'll send a letter. This is the SECOND time I have had this issue with Citi fraud prevention. They use a third party system that sends out letters and not to the address that is on my Citibank account. Last time I was blocked for over two months and had to file a complaint with CFPB and Citi 's Executive response unit. 

I have made it clear to Citi Bank that I work for the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and do XXXX XXXX XXXX. I have filed an issue with Citi 's Executive response unit case number XXXX. I really need this review of my account done immediately and I get access to it because it is my primary account, salary account and I have a savings account and a Citi Priority client. 

I've attached proof of account block and last email chain with previous complaint.
Product: Checking or savings account

I have been trying for multiple years to open an account. They never gave a reason as to why I couldnt. I opened up many other accounts with no issues
Product: Credit card or prepaid card

My paycheck was stolen out of my account. I filed a dispute and they said it was a legitimate transaction. This was my response ... I want to physically talk to someone. If you look there are 3 transactions for decline fees at XXXX and 1 balance inquiry at XXXXXXXX XXXX and then the withdraws. I was at work from XX/XX/XXXX at XXXX until XXXX on XX/XX/XXXX. I have the time card to prove it. I was asleep in the state of XXXX   after working an almost 11 hour shift. When I got the alert of the with draw I immediately called. To file a dispute because I didn't make the transaction I have never been to XXXX and do not know anyone there. I can't see where the decline fees were done at on my account. It doesn't take a rocket scientist to know when it's not physically possible to be asleep in XXXX and using an ATM in XXXX. I use the last 4 digits of my social as my pin so whoever cloned my card must have figured out the pin. This is happening everywhere so I don't understand how you can even begin to blame me for a criminal that accessed my information! I will be contacting our local police department about this.The information was stolen and my money should be returned immediately like a legitimate bank would do. I will not let this go. I lost money at work because I couldn't go on an out of town job because of my money being stolen. This cost me a loss of about {$700.00} in wages. I want to talk to someone in person XXXX. I'm tired of people hiding behind messages instead of trying to resolve the issue. They have also not provide me with their so-called documentation. I have requested it repeatedly. I believe this is part of a bigger ring of thieves since there are hundreds of complaints for this very thing and XXXX refuses to give people 's money back. Is this an inside job with their company I wonder?
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XX/XX/XXXX and was advised I owed a balance of {$940.00} due to a patient first bill when I was sick and ended up going to the hospital back in XX/XX/XXXX. They original bill was only {$720.00}, I agreed to pay this amount only and asked for a settlement. They offered a settlement of {$850.00}, I advised I was unable to pay this much and that I only want to pay they bill I owe. I was told I signed some " contract '' that I do not recall signing as I was INCREDIBLY ILL at the time and they are using this to get extra fee 's and charges out of me. I only owe my doctor bill and that is all I will pay. I recently call back in XX/XX/XXXX as it was hitting my credit showing the balance was increasing. I asked for a settlement for the {$720.00} and was turned down. They advised me I could pay the {$850.00} settlement right then and there or they will not settle. I could not even get a few days to get the money. Currently there is a balance of {$320.00} owed and I refuse to pay anything higher then the bill amount. I never received a letter stating anything I owe, I received a phone call. Nothing in writing ever!! It is against the law to make someone pay a debt larger then the bill amount. I will pay the doctor bill owed and that is it. I should only owe {$120.00} as I paid {$600.00} in XX/XX/XXXX for the bill of {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.
Product: Debt collection

I have already submitted a complaint ( XXXX ) - The reporting agency ( Transunion ) has requested that I send in several documents to confirm my identity and my address. I have requested that all information on how the debt was validated and process to confirm the debt be sent to the address that is on file. On XX/XX/2023 I emailed XXXX with the file number and have received no response to my request. This seems to be a stalling tactic by Transunion and the debt collector, and I feel that ample time has been permitted to have these negative line items permanently removed from my credit file.
Product: Debt collection

I pulled my credit report. I seen an amount for {$160.00}. This includes a medical service that I am unaware of because the information is not me or owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; My credit information may have fallen into the wrong hands due to the Equifax Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX
Product: Checking or savings account

I thought i was purchasing a product from a legitimate site. This site ended up being a Phishing site and Fraudulently charged my card 3 times in the amounts of {$99.00}. The merchant statement came from XXXX XXXXXXXX XXXX XXXXXXXX through XXXX on my bank account. 

This happened XX/XX/2023 and i filed XXXX disputes with Key bank on XX/XX/2023. 

After multiple rejections and working with their executive office " XXXX XXXX and XXXX XXXX '' i was given a formal denial in XX/XX/2023. I was told to contact the merchant, which does not exist. 

The executive office of key case number is : XXXX the Fraud Dispute numbers are : XXXX XXXX XXXX Shortly after this happened my card was completely compromised and used out of state, which i had to request a new card.
Product: Mortgage

My name is XXXX XXXX XXXX 3 my social number is XXXX and my year of birth is XXXX my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX phone is XXXX XXXX and im on a trail modification payment. My loan number is XXXX my complaint is that selene finance has not pay my HOA Dues my previous lender XXXX XXXX XXXX XXXX escrow those in my mortgage along with my taxes and property insurance for the inside of the condo before my loan was transferred to selene finance my HoA was current the HOA company they pay is XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX ny XXXX. Those are my condo fees that are paid monthly. Since my loan transfer from community loan servicing llc to selene finance. The problem here is that selene finance is not making any payments to the other parties these items I mentioned are escrow in my mortgage like my property taxes are. I'm hoping they are paying my property taxes too. The most important thing is that they did send out a payment for the HOA fees my normal payment is XXXX a month also I'm past due they sent me a bill for XXXX
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card

I am trying to dispute a transaction made with my credit card for an ongoing service. The bank is stating I can't dispute a transaction because I already disputed it once and canceled it because the company resolved the issue.
Product: Credit card

On XX/XX/year>, I was looking up flights to XXXX on XXXXXXXX XXXX  website which was advertising American Express ( Amex ) XXXX XXXX XXXX card with attached promotion screenshot. According to the promotion, I would get {$500.00} statement credit after I make a XXXX purchase within first 6 months plus earn XXXX bonus miles after spending {$3000.00} in purchase within first 6 months. I clicked the link to apply. However, the link didn't work after a few attempts. I then went on to Amex website to apply there for the same credit card assuming the promotion would be the same for the same card on the same day. However that was not the case. Later I realized the promotion is different and after speaking with Amex representatives, I was told that even for the same card on the same day that XXXX and Amex may offer different welcome bonus. I feel that's very confusing to consumers and they should have offer the same welcome bonus on the same day. As I called Amex and I was told that they receive such complaints often and the responsibility lies upon consumers. I don't think it's fair to offer different things for the same card on the same day on Amex or elsewhere. At the end of the day, it's the same credit card. In my case, it's the XXXX 's XXXX XXXX.
Product: Debt collection

Midland credit tried to sue me in XXXX. I hired a lawyer and the case was dismissed with prejudice. The lawyer and emails state that they can no longer harass me or contact me and they are still constantly calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections account and credit inquiries thats currently listed on my XXXX XXXX and Equifax credit report is a fraudulent collections account and credit inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX, balance : {$5600.00}, XXXX XXXX, XX/XX/XXXX, XXXX BANK, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX Bank, XX/XX/XXXX XXXX and XXXX XXXX Bank, XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/24 American Express shut down my 3 month old credit card with them until I E-mailed them my 2 most recent checking account statements. Their E-mail, and my phone conversation with them that day, made it clear that if I did not do this within 5 business days my card with them would be PERMANENTLY closed!!! The reasons why this request by American Express was/is outrageous, illegal, fraudulent and a blatant violation of the US Fair Credit Repoerting Act, are : 1 ) I have paid, ON TIME and IN FULL, the ENTIRE balances on this new credit card on both of the 2 account statements for this card.

2 ) American Express had absolutely NO legal justification to require me to submit my highly-personal, highly-confidential checking account statements as a requirement to keep this credit card active. 
3 ) If American Express had ANY doubts/reservaqtions about my financial condition and/or " credit worthiness '' they had the legal duty to do ALL of that research, and ask me any questions they had, BEFORE issuing me this new credit card on XX/XX/24! They did NOT ask me a single question, and they obviously did NOT do any such research ( if they had they would have found that I have a dtrong credit score! ).

I had no choice but to submit these 2 checking account statements to American Express on this same day ( XX/XX/24 ) ; which they acnowledged, in an Email to me on that XX/XX/24, that they had received. Their original XX/XX/24 E-mail, and my calls to 7 different American Express representatives ( I have their name and the dates/times of these calls ) all stated that the 2 statements I sent were/are exactly what they FRAUDULENTLY requested and that I would receive a reply " within 7 days ''. It has now been 11 days and I have received absolutely NO reply. I tried to use my American Express card yesterday, XX/XX/24, and it is STILL BEING DECLINED! ( very embarassing! ) I discuused this matter with American Express supervisor XXXX ( XXXX XXXX XXXX ) in their XXXX, AZ XXXX at XXXXXXXX XXXX  today and, after putting me on hold, she said that : American Express " still needs to review the checking account statements I submitted on XX/XX/24 ''. I informed her that 7 of her co-workers already told me that what I submitted was EXACTLY what American Express FRAUDULENTLY requested! I also reminded her to tell her superiors that they are now 4 days late ( see above ) AND that I will be submitting this complaint. She had no reply. She refused to give me her last name, though American Express has no qualms about FRAUDULENTLY requiring me to provide HIGHLY-PERSONAL, HIGHLY-CONFIDENTIAL checking account statements!!! 

XXXX XXXX XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed a complaint. XXXX  was contacted and I received ANOTHER reporrt # XXXX with so called " results ''. They give ZERO explanation as to HOW these disputes are verified. I have sent them on three different occassions ALL the bankruptcy paperwork showing that items have been DISCHARGED 2 years ago and that I am NO LONGER responsible for debt, including NAVIENT and NAVIENT is well aware because they have reported it as such on XXXX  and XXXX  and yet XXXX  CONTINUES to allow this to be reported as an OPEN AND ACTIVE ACCOUNT and THAT is NOT CORRECT. I WANT THIS FIXED! I AM SICK of asking, I am sick and tired of doing my part and sending all the paperwork and being IGNORED!!!! I have done EVERYTHING that you and the FAIR CREDIT REPORTING ACT have said to do and I get NO WHERE! I WANT THIS GONE NOW!!!! I am going to continue to fight this as long as it takes until SOMEONE does SOMETHING to make it RIGHT! PLEASE take this seriously and do not allow a company like XXXX  to get away with report FALSE information. IT IS UNFAIR!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries removed ; TRANSUNION : XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX OF XXXX XX/XX/2022
Product: Mortgage

Last year on XX/XX/XXXX. My husband XXXX XXXX. We had a XXXX loan with mortgage insurance. I Called XXXX XXXX/XXXX ( spelling ) and informed them. First of all they only record calls they want. I explained that my husband passed suddenly. They would n't speak to me because my name was n't on the loan. Last I looked Calif. was a 50-50 state. When I finally was able to speak with someone they wanted the death certificate. It had n't even been published yet! We were not behind. But I did send them a copy and they signed for it. I was then told I had 3 days to vacate my house or they would send the sheriff to put me out. I got so XXXX I ended up in the hospital with XXXX XXXX. i told them I would need at least 3 months. So as not to become homeless or a bag lady, I sold everything and purchased a substandard home in another state. They told me not to worry about owing on the house because nothing was in my name. Then every month for a year plus they sent me bill after bill while saying they did n't have to talk to me or offer me squat on saving my house there. They said the house was foreclosed on and sold in XX/XX/XXXX at auction. Then Shellpoint mortgage opened an escrow in my XXXX husbands name and has started sending me bills! I called them twice. How illegal is it to open accounts in a XXXX persons name and then harass the widow each month by sending them a bill to their XXXX husband? Each month it rips open the wound of losing my husband. I want them to stop, my health is not great. Their should not be any accounts opened in his name period by any predator, sham companies.
Product: Credit reporting, credit repair services, 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 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 XXXXt I am emotionally distraught and outraged by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX