23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Unauthorized Disclosure of Student Loan Data to Third-Party Vendor Dear CFPB, I am writing to file a complaint regarding the potential unauthorized disclosure of my personal and financial information related to my student loans. My concerns are as follows : 1. The Department of Education ( DOE ) has allegedly granted access to sensitive borrower data, including Social Security numbers and income details, to a third-party vendor, XXXXXX/XX/XXXX 's Department of Government Efficiency ( XXXX ), without my explicit consent. 

2. This disclosure appears to violate my privacy rights and potentially the Family Educational Rights and Privacy Act ( FERPA ).

3. I have not been informed about or consented to this sharing of my personal and financial information with DOGE.

4. The arrangement between the DOE and XXXX lacks transparency, and there are concerns about compliance with privacy laws. 

Specific details : - My loan servicer : [ Your loan servicer 's name, e.g., XXXX ] - Account number : [ Your account number ] - Date I became aware of the issue : [ Date ] I request that the CFPB investigate this matter to determine : 1. Whether the DOE 's disclosure of student loan data toXX/XX/XXXX complies with all applicable consumer protection and privacy laws. 
2. If proper safeguards are in place to protect borrowers ' personally identifiable information.

3. Whether borrowers were adequately informed and given the opportunity to consent to this data sharing.

I ask that appropriate action be taken to protect borrowers ' privacy rights and ensure compliance with all relevant regulations.

Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my equifax credit freeze/lock removed from my account, I have contacted them numerous amounts of times and they still haven't removed it. It seems like they are refusing to remove the freeze/lock
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX XXXX account number XXXX date opened XX/XX/2004 is reporting under my equifax credit file, which does not belong to me, this is an inaccurate information reporting under my name on my equifax only. they have not disputed properly for this inaccurate account to be removed every time o call they are not helpful. i am tired and not know what to do. i am trying to rent a place and it has been giving me a problem, this does not belong to me, please have equifax to remove this account from my credit file thank you
Product: Student loan

On XX/XX/XXXX I requested a refund with Aidvantage for the money I have paid from XX/XX/XXXX until now. I was initially told it would process in 6-8 weeks. Ive called multiple times, and gotten told that its taking longer to process and that my timeline was pushed from 6-8 weeks to 10-12 weeks. After that I called and was told 14-16 weeks. I called today ( again ) on XX/XX/XXXX, its now been over 18 weeks and I was told that they dont have a timeline because they dont have any control over the next steps and theyre waiting on it to be approved.
Product: Checking or savings account

We had over {$49000.00} taken from our money market account at the XXXX XXXX  in XX/XX/2022. The XXXX XXXX  retrieved and returned {$37000.00}. The remaining {$11000.00} was transferred to Citibank and they have verified the identity theft claim but have failed to return the money. We have made numerous attempts with both banks to have our funds returned with no success. Hold harmless forms have been sent by XXXX XXXX and received by Citibank. XXXX is also Involved in the case.
Product: Debt collection

Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.
Product: Credit reporting or other personal consumer reports

Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).
Product: Credit reporting or other personal consumer reports

Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT AND WET SIGNATURE TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS, BUT IT NEVER WAS DONE. I'VE ALSO EXPRESSED TO THEM THAT I AM A VICTIM OF IDENTITY THEFT AND A LOT OF MY ACCOUNTS ON MY CREDIT WERE AFFECTED BY THE XXXX DATA BREACH. I WOULD LIKE THIS REMOVED OFF OF MY CREDIT REPORT. ALSO, IT WAS REMOVED ONCE BEFORE BUT THEY ADDED IT BACK. IM SURE THAT WAS ADMISSION TO GUILT. I HAVE BEEN DENIED CREDIT SO MANY TIMES BECAUSE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2300.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$11000.00} Late/Closed Inquiries in Dispute XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i WILL NERVER BEEN LATE TO PAY.
Product: Credit reporting or other personal consumer reports

I discovered an issue related to the charge-off of my credit card balance that has caused me significant distress. I have noticed discrepancies in the discharge of the amount on my account statement. 

The issues I am facing include : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. I was never informed of my right to exercise my nondisclosure option once my information was given to numerous third parties. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 12 CFR 1016.1 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. No opt out notice was given once charge-off was recorded on my credit report. 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted Anything added to my report without written consent by I the consumers consent is identity fraud. Based on the noncompliance of opt out laws and disclosures no written consent was given.

Furthermore, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I have attempted to address this matter by sending an opt out letter to the financial institution nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened fraudulently with my identity in 2019 in BARCLAYS BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ XXXX & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have XXXX late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
Product: Checking or savings account

There are several transactions where someone at the bank or who has access from a bankers access to make changes to my account. The account has been manipulated and there are two transactions for services not provided where the credit to my account after cancelling my debit card have been reversed regardless no subscription is accessible. I explained to the banker at customer service my email has been hacked into and I no longer have access to the old email address, XXXX. Access to the old email is a requirement for the subscription to be used and can't be cancelled without loggin in for a cancel request to be sent. The bank reversed my disputes for XXXX and XXXX to XXXX and XXXX XXXX and no access to the subscriptions is possible. The next issue is upon setting the account to close, I was told it will remain open until the account has a XXXX balance. There were several pending transactions for the account including a lease payment to XXXX XXXX in the amount of {$210.00} and again, someone with bankers access blocked the payment costing me {$2000.00} this year. I can not afford to have someone decision make on my accounts. They also lied and said " she has a negative balance, there is no money in her account '' when the transaction was pending so that the last transaction could not be processed of {$210.00}. There is no such negative balance and I am attaching the actual balance with the transaction being blocked to the complaint. They are trying to reverse all disputed transactions before the {$210.00} can go through and there was another one where an XXXX delivery was stolen before being brought to my door at XXXX at night, there was NOTHING brought at all.
Product: Mortgage

Wells Fargo is manually reversing mortgage payment in my account. This appears to only happen when I make a 'principle only ' payment, i.e. a payment outside of the regular monthly payment. After I made a payment online, Wells would create a 'payment reversal ' entry. Although the principle balance was reduced correctly by some miraculous means, the interest payment was not calculated correctly. So essentially Wells was calculating interests based on the original balance pre-payment, not based on the reduced balance. Wells told me that this is a 'software glitch ' and that it has been fixed. To verify their claim, I made another 'principle only ' payment, and sure enough, it happened again. I requested a day-by-day amortization schedule from Wells and they never got back to me. There are at least a few things that needs to be investigated here:1. Wells is likely charging me interests on the principle that I already paid back 2. Wells should not be allowed to go in to an account, and just randomly reverse a mortgage payment - there needs to be some control and oversight in place 3 if it's truely a software glitch, Wells needs to fix it ( and don't lie to the consumer that it's fixed when it hasn't ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, XXXX I bought a phone and a line from XXXX XXXX, the term of purchase was that I can return the phone within 30 days. The nature of my job is delivery of goods and services and one major reason I bought the phone was ro help me navigate the road with the GPS but this phone was a total failure and disappointment as it could not perform my intended need. 
I returned the phone on XX/XX/XXXX which was within the 30 days of agreement and i paid the return fee of {$45.00} and i have the receipt with me and this was settled but this XX/XX/XXXX, I got a call from Source RM alleging that I am owing XXXX XXXX on the same phone that I have returned and paid return fee on. 
I had called XXXX XXXX about this and was told that i have returned the phone and that i do not owe any money. 
Please Source RM has reported me to the Credit bureau and this has destroyed my credit rating and i am going through a lot of untold inconveniences from Source RM. Please help me as i have all hardcopy and soft copy receipts. Thank you.
Product: Mortgage

I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ). 
2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties. 
4. Bankrupties were verified thru 3rd party XXXX XXXX. 
5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX  work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful
Product: Debt collection

On XX/XX/XXXX, I received a phone call from the XXXX XXXX informing me that I owe {$100000.00} for a fender bender that occurred a year ago. Despite the fact that no one was injured in the accident, the insurance company has paid out the claim, and their debt collectors are attempting to recover the funds. When I requested proof of liability, they informed me that they can not provide it because it is a medical claim, and they are currently denying my request for proof. Additionally, they threatened to lien my insurance and license. 
I am seeking assistance to prevent the payment of funds that are not mine. I would like the collection attempts to cease until they provide proof of liability. Furthermore, I request that they refrain from contacting my family during work hours. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of XXXX XXXX and I just tried to link my accounts. When I went to add my credit card account It said I was blocked from getting access to my personal banking records. Which of course is my right to have that information after asked for it. 
Thank you for your time, XXXX XXXX