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

Account : XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires.

I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger.

Can we possibly prove them wrong??
Product: Payday loan, title loan, or personal loan

Someone claiming to be with " XXXX XXXX '' called my work number asking for " the protocol when locating an employee. '' When I told the caller I was that person, he would only say he is asking about protocol when locating an employee and gave me the number XXXX to call, along with a " reference number. '' When I called the number, some fast-talking woman used every possible word in the English language to make it sound like she was filing a court case ( like investigators and warrant officers ) but would never commit to anything certain. Told me the amount due was over {$1400.00} if she " took this case to court '' but only {$450.00} if paid immediately via a " bond instrument ''. I offered to mail a cashier 's check but was told they only accept " bond instruments. '' Finally, after much more threatening-type nonsense/double-speak from her, she said she can not give out her address due to " her employee 's safety '' and a " bond instrument '' is actually a VISA or MasterCard in her definition. So, she'd rather have a credit card payment ( that can be disputed or recalled ) as opposed to a certified-funds cashier 's check? How can people like this get away with this type " collection activity? '' Such a waste of time. She even said I was " interrupting her '' even though I sat silently and listened to this spiel.
Product: Checking or savings account

Through a sophisticated and complex scam on XXXX XXXX, where the perpetrator was able to garner all of our private information ; Citibank transferred {$2000.00} from our savings at Citibank to an account the crook set up at XXXX. The scammer was able to breach Citibank 's own site with a number to call the fraud dept. It's a long story ; but the long and short of it was : We froze our acct. as soon as we realized what was happening. We filed a dispute on the {$2000.00} withdrawal. We were told to open a new account and have the rest of our savings transferred into it from the existing compromised account. The Citibank fraud dept. replaced the {$2000.00} as well ( that was good ) ; but now we, after 20 hours + on the phone with customer rep after customer rep who could not get us access to our own account have given up on the phone contact. We did not realize that Citibank only has a brick and mortar location in 12 states. We are in WA state. The nearest Citibank location is about 1,000 miles away in CA or NV. We deal with 2 other ( local ) banks and had no problem changing those accounts and accessing the new accounts with our new usernames and passwords. After giving up on the phone contact ( which seems to be routed to a foreign county with reps we can not understand, and don't know-or care-about what to do ) we have taken to sending certified letters asking as to how we might access our own account. This has been going on for over 5 weeks. The FTC and XXXX XXXX Sheriffs Fraud dept. have been notified.
Product: Checking or savings account

I tried calling Wells Fargo about all the overdraft fees I was being charged. They charged over {$1000.00} in overdraft fees since I open my account. This is really unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit accounts and collection account currently listed and showing on my Experian and XXXX credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX XXXX XXXX  XXXX, {$130.00}, and XXXX XXXX XXXX XXXX  XXXX, {$370.00}. XXXX XXXX XXXX XXXXXXXX, {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a letter from Credence Resource Management LLC which states they are collecting a XXXX dollars debt for XXXX XXXX XXXX from me. I called XXXX XXXX XXXX XXXXo confirm I dont owe any debt. I also researched about this company online and this company is a scam. Even though its a scam, it can still bring the victims credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. Made multiple calls to XXXX, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate XXXX Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert. 
Again the question is Who/what/when/where placed the fraud alert? do NOT close the case if not resolved, as there is no way to contact Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Recently - I have received threatening/harassing phone call & Emails from XXXX XXXX. XXXX XXXX - ( originally dealt with XXXX XXXX XXXX ) - examples are as follows : CONTACT # XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX " I am interested in Income Driven Repayment, and I authorize XXXX to place a forbearance on my account to satisfy any delinquency accrued on my account. I plan on applying for Income Driven Repayment through the Federal Student Aid website referenced on my email. I understand any unpaid interest will be capitalized. " ( these are XXXX generated words in an email } - I attached the words below to the email : FEDERAL TRADE COMMISSION WILL BE CONTACTED FOR THESE UNNECESSARY THREATS - MY BILL IS PAID EACH MONTH. XXXX XXXX CONTACT # XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX I HAVE CONTACTED BOTH FTC & XXXX XXXX XXXX ABOUT THE THREATS I HAVE RECEIVED FROM THIS COMPANY - EMAIL/ PHONE CALLS : XXXX XXXX XXXX / XXXX XXXX XXXX - YOU PEOPLE ARE DOING THIS BECAUSE YOU THINK YOU CAN GET AWAY WITH THIS - I REFUSE TO BE BULLIED BY XXXX EMPLOYEES - I WILL ALSO CONTACT LEGAL AIDE - IF I CA N'T GET HELP FROM THE ABOVE MENTIONED ENTITIES - I AM PAYING MY BILL EACH MONTH - YOU HAVE NO RIGHTS TO THREATEN AND HARASS ME. XXXX XXXX - End of second Email to XXXX. 
I also received threatening mail from XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Monday - Thursday XXXX - XXXX ; Friday XXXX - XXXX / XXXX The letter refer to my account as being delinquent although my bill is paid diligently each month - I supposed the amount is n't large enough to satisfy XXXX although its ' as much as I can pay - I 'm not living high - I drive the same car I purchased new back in XXXX when I worked for the XXXX - now I work for XXXX XXXX XXXX XXXX XXXX XXXX & the pay is minimum wage but working with XXXX is completely life changing & fulfilling. I do the very best I can to meet my financial requirements & am NOT shrugging off my responsibilities. The representatives of XXXX are acting like bullies - This is totally unnecessary for a customer who is paying the bill. Please advise me - Thank you for all your help & assistance. 
Respectfully, XXXX XXXX XXXX XXXX has n't been contacted yet - but I will - if you ca n't help me. 
This bill is for XXXX ( XXXX XXXX XXXX - a sham, a so called " business college '' - now Defunct.
Product: Debt collection

Good Day, I am submitting this complaint to XXXX XXXX XXXX regarding a collection debt for Upgrade for {$3900.00} which is an estimate I received from my credit report. As previously I have disputed this debt with Upgrade as not mine and I am once again disputing this debt as Identity theft and I want these five accounts that are listed on my credit report to be removed and closed as these accounts were opened without my consent. I have attached to this complaint a notarized FTC affidavit and police report. 

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

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

5 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.

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 then seven years.
Product: Checking or savings account

Hello, The complaint I am filing is against Chime Bank. On XX/XX/XXXX I filed a dispute regarding two ( 2 ) unauthorized transactions charged to my account. 

The first transaction was done on XX/XX/XXXX at XXXX in the State of Ohio XXXX The merchant name is XXXX XXXX XXXX restaurant ) in the amount of {$40.00}. 

The second transaction was done on XX/XX/XXXX at XXXX in the State of California XXXX The merchant name is XXXXXXXX XXXX ( dining delivery ) in the amount of {$43.00}. 

I live in XXXX, Florida. There is an authorized transaction I physically made at XXXX Pharmacy here in OXXXX on XX/XX/XXXX. I could not have made those other transactions. 

Initially, Chime Bank gave a temporary credit for the first disputed transaction, and then this morning I received two emails regarding the disputes from Chime Bank. 

The first email states that they are reversing the credit given for the 1st transaction ( {$40.00} ) based on their " investigation ''. The second email states that they will not credit funds for the 2nd transaction ( {$43.00} ) based on findings in their " investigation ''. 

I have phoned Chime Bank, informed them of their obvious error, demanded it provides the documentation it used to reach its conclusions, and stated that if they do not reverse course, I will permanently close my account with them. 

Regardless of the fact that this is not a large sum of money, it is my money and I did not make those transactions. I have used Chime Bank since XX/XX/XXXX, have made ALL transactions here in XXXX, Florida and have had no issues until now. However, this is ridiculous and wrong.
Product: Credit card or prepaid card

On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX   PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. 

Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. 

If I do not get this resolved to my satisfaction, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Experian says they been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
XXXX XXXX has been reporting false info. for years. I would like to sue them.
Product: Credit card or prepaid card

The advertised bonus promotional offer for the small business credit card from American Express ( ending in XXXX ) I applied for was for XXXX points after {$15000.00} spend in the first three months of ownership. 

Within a month of my application I paid estimated federal taxes with my new credit card, which came to over {$15000.00} in total, including the fees the tax payment processor charged for processing my payment. I have contacted Amex many times, asking them whether my transactions qualified, and was told that yes, they did. 

The bonus never posted. I have launched multiple tickets, and each took over two months to resolve. In the end, they claim that the credit card payment fees were " excise tax '', and as thus didn't qualify. They were not excise tax at all!! In fact, the transaction description on my statement clearly says " SERVICE FEE ''. And unlike transactions with " excise tax '' merchant code, which automatically do not earn regular non-promotional points, these service fee transactions qualified for regular points when they posted, just like they should have. 

I believe this is just a stalling tactic on behalf of American Express to get me to give up on the dispute. 

I am including my most recent communication with American Express, which mentions the original offer and their stated reasons for refusing to honor their promotion. I am also including the credit card statement from XXXX, with the charges clearly visible.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX 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 or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX