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

There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
Product: Checking or savings account

Subject : Formal Complaint against Citi Bank Account Closure and Withheld Funds Dear CFPB, I am writing to formally lodge a complaint against Citi Bank for their unfair and potentially unlawful handling of my new checking account and the funds I deposited from a settlement check issued by the CFPB for the XXXX XXXX  settlement. Below, I provide a detailed account of the situation and request your immediate assistance in resolving this matter. 
On Mon, XX/XX/year> I deposited a settlement check in the amount of {$690.00}, drawn on XXXX XXXX, into my newly opened Citi Bank checking account via mobile deposit. The funds were deposited to satisfy Citi Banks requirement that money be deposited into the account within a certain time frame following account opening. Shortly after, I received a notification from Citi Bank that the check was deposited. However, the account was unexpectedly and inexplicably closed without prior warning or explanation. 
I have not even activated my debit card for this account, yet Citi Bank has put a hold on my account and restricted my access to the funds. I have contacted Citi Banks customer service department XXXX times, including their fraud department, to inquire about the status of my account and the check. Unfortunately, none of the representatives I spoke with could provide a clear explanation for the account closure or the hold on my funds. Instead, they advised me to wait for a letter that would supposedly explain their actions. 
Adding to my frustration, I can not access my online account to read this letter, nor have I received it by mail. As a result, I am forced to endure additional delays as I wait for Citi Bank to mail the check back to me, which they claim could take over a month. 
Citi Banks actions have caused me significant financial distress and undue harm to my health. I rely on these funds to meet immediate financial obligations, and Citi Banks unjustified and opaque behavior has made it impossible for me to access money that rightfully belongs to me. 
Violations and Legal Concerns XXXX. Unfair and Deceptive Practices ( XXXX ) : Under the XXXX XXXX, financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices. Citi Banks lack of transparency, failure to provide a legitimate reason for account closure, and refusal to release the funds are clear violations of this provision. 
XXXX. Regulation E ( Electronic Fund Transfers ) : Regulation E requires that consumers have prompt access to their accounts and funds. By preventing me from accessing my funds without justification, Citi Bank is in potential violation of this regulation. 
XXXX. Right to Access Funds : Citi Banks delay in processing and mailing a refund check is unreasonable and may violate industry-standard timelines for such actions. 
XXXX. Harm to Financial and Mental Well-being : Citi Banks practices have caused me undue financial and emotional stress. I am now unable to access funds for essential expenses and have been forced to endure unnecessary delays and uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from experian that they reported the balance XXXX but they still have it on my report.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to inquire about the recent settlement involving XXXX and XXXX XXXX. Given the scope of the lawsuit and its impact on borrowers, I am seeking guidance on if I qualify for relief under the terms of this settlement. 

I currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Program loans from XXXX, serviced by XXXX ( or previously by XXXX XXXX ). I believe that my loan circumstances may fall under the types of practices addressed in the settlement. I understand that the CFPB has been a significant advocate in addressing questionable practices within the student loan servicing industry, and I would greatly appreciate any assistance in determining my eligibility. I have definitely been a victim of XXXX XXXX XXXX XXXX of my student loan account, and believe many payment went unrecorded. 

Any guidance on the next steps to submit or substantiate my claim, as well as key dates or documentation I should be aware of, would be extremely helpful. 

Thank you for your attention to this matter, XXXX XXXX
Product: Student loan

First Started with XXXX and into about mid term realized that XXXX was charging {$600.00} /credit hr when supposed to charge {$360.00} /credit hr out of state tuition. When I challenged them on this and threaten contact XXXX and stop [ the loan they told me I could not do that. The Department of education abolish my loan and would not be able to borrow any money for other collages. I have to continue with XXXX. Well XXXX Said they would correct the tuition charges. They never did. They kept charging me what ever they wanted. I was earning XXXX degree in XXXX. Then when XXXX got into trouble my loan was transfered over to Navient. I contacted them about the over charge that XXXX was doing. They told me that it was nothing they could do take it up with XXXX. Ok here is something else. When I took on this loan Subidized and un-subsidized loan interest rates where 2.8 % and 3.8 %. XXXX overchaged me {$58000.00} for a XXXX degree and Navient would not help me fix this and also the interest rates are now jacked up to 6.8 % and my loan is running away because each year Navient jerks me around on the IDR processs and put me in forbearance and told me I could not pay anything while the interest piles up. 3 year ago my loan was just over {$57000.00}. 3 tears later is now {$65000.00} that is {$8000.00} every 3 years interest? Something is not right with XXXX, XXXX or Navient. PLease contact me for more info
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. Account name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX  Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
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. 

Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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: Student loan

I have been trying for the last several months to get Navient to address my account. 
I have offered the best i can afford. They have accepted twice and each time have failed to instate the program. They are now charging me late fees. They will not comply with their agreements.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Or list of inquiries 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 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, credit repair services, or other personal consumer reports

XXXX XXXX Monday, XX/XX/2023 XXXX Experian Subject : Dispute of Inaccurate Consumer Report Information Dear Sir/Madam, I am writing XXXX and Experian to bring to your attention a matter of utmost importance. There are inquiries listed in my consumer report that do not pertain to any transactions initiated by me, as stipulated under 15 U.S. Code 1681c2.

Upon a careful review of my consumer report, I have identified the following inquiries that I believe to be inaccurately associated with my credit history : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX - XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 These inquiries have raised concerns regarding the accuracy and integrity of my consumer report. As per the provisions of 15 U.S. Code 1681c2, it is imperative that the information contained within my consumer report accurately reflects my credit history and transactions. The presence of inquiries unrelated to my activities compromises the reliability and fairness of the report, potentially affecting my creditworthiness and future opportunities.

In light of these discrepancies, I demand that you remove them from my consumer report immediately, as they are not indicative of any transactions initiated by me. I further request that you provide me with a revised copy of my consumer report once the necessary rectifications have been made.

I trust that you will treat this matter with the utmost urgency and undertake a comprehensive review of my consumer report to rectify the inaccuracies in a timely manner. Failure to address this matter appropriately may result in the escalation of my concerns to the appropriate regulatory authorities.

As 15 U.S. Code 1681c2 states once you receive this information, which will be immediately as I will be submitting through the CFPB, you must block this information not later than 4 business days after the date of receipt of : ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. 

Which all are in this document. 

This document is drafted by me, XXXX XXXX. It is not made in error nor a misrepresentation of fact. 

Additionally, as mandated by the Fair Credit Reporting Act ( FCRA ), I request that you furnish me with written notification of the actions taken within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I am a account holder with BMO Harris Bank since XXXX. Since I have had a checking and savings account with BMO Harris I never had issues paying my bills using my checking account. Up until XX/XX/XXXX there have nothing but issues paying my bills using my checking account because of the very extensive account hold that is placed on my account, If I schedule a payment using my checking account on the seventh of the month it will take almost two weeks for the bank to verify my payment to my credit card company. Every month I balance my checking account to ensure the funds are available, credit card never gets paid it always come back as a returned payment. I contacted the bank several of times regarding this issue I was told that it an perennate internal account hold because there was suspected fraudulent activity on my checking account, I verified my information and other measures the bank offers to protect my account and I still have the internal account hold on my account. The last time I had spoke with the bank I was told that account hold was removed eventually the account hold was not removed because I am still experiencing issues with my bills getting paid on time. This is very inconvenient because my bills are not being paid on time.
Product: Debt collection

Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Every company dealing with a consumer has agreed they would follow certain regulations and if they chose not to I have proper authorities to inform.

I am writing to bring to your attention a concerning matter regarding U.S. Department of Education/Aidvantage ( Official Servicer Of Federal Student Aid ) and its potential violation of The Family Educational Rights and Privacy Act ( FERPA ), a federal law established in 1974 to safeguard the privacy of student education records.

It has come to my attention that there may be instances where Aidvantage has not adhered to the provisions outlined in FERPA, which clearly stipulates the protection of student education records in both public and private educational institutions.

Specifically, I am concerned about violation of 20 U.S. Code 1232g. This federal law mandates that educational agencies, including Aidvantage, must provide parents with an opportunity to challenge inaccurate or inappropriate information in their child 's education records. It has come to my attention that Aidvantage may not be meeting this requirement. 

Furthermore, the law specifies that no funds under any applicable program shall be made available to a State educational agency that, knowingly or not, denies or effectively prevents parents from inspecting and reviewing the education records of their children. This includes records maintained by the State educational agency on students who are or have been in attendance at any school under the jurisdiction of an educational agency or institution covered by this law. This action not only raises serious privacy concerns but also undermines the fundamental rights granted to students and their families under FERPA.

As outlined in 20 USC 1232g ( b ), FERPA applies to a broad spectrum of educational institutions, including post-secondary schools. Therefore, any violation of FERPA by Aidvantage should be thoroughly investigated and addressed promptly.

I kindly request that you initiate an investigation into this matter to determine the extent of the alleged FERPA violation by Aidvantage. Additionally, I urge you to take appropriate corrective actions to ensure that such breaches do not recur in the future.

Thank you for your attention to this matter, and I trust that you will handle this complaint with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Debt collection

Representative called asked for my spouse, stated they were not available, asked if I was me, I said yes who is this, they refused to state business name, said it was a personal financial matter, I again asked who they were, he refused said they had all XXXX digits of my SSN and I asked how, he refused to answer who they were. Told me to " take care of my financial issues '' and hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report. 
I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent. 
After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}. 
I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately. 
The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them.

This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports. 
Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry. 
Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

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

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by TransUnion XXXX XXXX, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By TransUnion, XXXX, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.