23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the, protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information both have breach contractual terms and obligations, rendering these debts unenforceable.
Product: Debt collection

My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full.
Product: Credit card or prepaid card

Capital one charges a late fee the day before its do, saying some XXXX about eastern standard time I live in XXXX  Complete fraud. 

The ceo was just found guilty by the XXXX  XX/XX/2021 Insider trading fraud!!!!!! 

My payment is do on the XXXX The late fee was charged on the XXXX th By right it would be charged on the XXXX th Technically that is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( Experian , XXXX and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from Experian, XXXX and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, Experian and XXXX ) have yet to remove this erroneous information from my account.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from Mobiloans stating that they are not licensed to lend in my home state of Florida. I live in Florida and was able to take out the loan anyway.
Product: Mortgage

I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.
Product: Credit reporting 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 XXXXXXXX Account Number:XXXX has violated my rights. Or a 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 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: Credit reporting or other personal consumer reports

XXXXXXXX credit bureau says account open the other shows closed original dept was with XXXX  XXXX XXXX  and was charged off but Midland credit management inc is trying to collect debt
Product: Debt or credit management

XX/XX/XXXX Contacted XXXX XXXX to cancel service and return equipment. I called their customer service line and it was answered by an overseas agent that could barley understand me. I asked several times for a Manager or Supervisor that could help me, but she refused. She took my cancellation order and told me to return my equipment to The XXXX XXXX for return credit. XXXX received my equipment a week later. 

Then in XX/XX/XXXX I received a billing statement from XXXX for {$210.00} for XXXX monthly billing. I again called XXXX Customer Service to no avail. 

I filled an online complaint with XXXX # XXXX on XX/XX/XXXX. No reply from XXXX. I started to receive harassing phone calls from XXXX and no one would listen to my side, just said I had to pay or else ... I contacted my bank, XXXX  XXXX XXXX and filled a charge dispute as XXXX took out the payment on XX/XX/XXXX. XXXX XXXX XXXX  dispute # XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX sent me an email letter stating that they have investigated this dispute and communicated with XXXX and that XXXX has decided to remove the charge and resolve the issue. I was given a credit for the charge in my account. 

Then a month later, I again started getting calls from XXXX saying I owe them money. I again tried to explain what has taken place, but no one wanted to listen. I filled another claim online with XXXX and on XX/XX/XXXX at XXXX, they updated my claim to " Resolved '' To me this meant they agreed with me, XXXX XXXX XXXX and their own company that the charges were not founded and should be reversed and removed from my account. 

XX/XX/XXXX, I receive a collection letter from I.C. Systems Inc stating that I owe XXXX {$210.00} ... Here we go again... 

On XX/XX/XXXX XXXX at XXXX XXXX  XXXX I called IC Systems Inc to dispute this claim and provide the documentation. I called XXXX and the first time I was disconnected before I could reach a person. I called right back and reached " XXXX '' I started to explain that I wanted to dispute this claim and why and that I had proof of a resolution. She kept interrupting me, stating that this is a factual case and XXXX has the right and that this is not for equipment but for service and I said I understood that but I had no service, so how can I be charged, she then interrupted me again and said this is due to early cancellation of the agreement, I tried to explain that this is not the case and she hung up on me and refused to take my dispute. I am filing a complaint with the CFPB
Product: Credit card

I am writing to file a complaint against Citibank regarding their failure to resolve a dispute concerning an unauthorized charge from XXXX XXXX. 
On XX/XX/year> I rented a vehicle from XXXX XXXX. I returned the vehicle on XX/XX/year>, as agreed. However, I was subsequently charged in the amount of {$58.00} for an additional day, Saturday XX/XX/year> which was incorrect as I had already returned the vehicle. 
Upon discovering the unauthorized charge, I contacted XXXX XXXX. Staff members XXXX and XXXX confirmed the error and assured me that a refund would be issued. Despite their assurances, I did not receive a refund from XXXX. 
I then filed a dispute with Citibank, explaining the situation and providing documentation of my communication with XXXX. However, Citibank concluded that the dispute was my responsibility, without providing a clear explanation or evidence to support this decision. 
I requested that Citibank provide me with the response from XXXX to their dispute investigation. To date, I have not received this information. 
I have attempted to resolve this matter directly with XXXX today on XX/XX/year>. I visited the XXXX location where I rented the vehicle and spoke with XXXX. She acknowledged the error and stated that she would issue a refund. However, this matter hasnt reached a resolution as of today yet. The phone number of this local XXXX XXXX  at XXXX Oh branch is ( XXXX ) XXXX. Citibank could call this number directly to verify my circumstances while their ongoing investigation. 
I believe that Citibank has failed to conduct a thorough investigation into this matter and has not acted in good faith. I have provided all necessary information to support my claim, and I have been consistent in my explanation of the situation. 
I am requesting that the Financial Consumer Protection Bureau investigate this matter and take appropriate action to hold Citibank accountable for their failure to resolve this dispute.

Thank you for your attention to this urgent matter. 
Sincerely, XXXX
Product: Debt collection

Just received a notice from a law firm states that they have forward papers to have pay check garish for an account that I do not owe. The notice states the first judgement was back on XX/XX/XXXX. Here it is XX/XX/XXXX eleven years pass. I never had a credit card bill totaling over {$1200.00}. This is clearly over the 7 years statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.
Product: Debt collection

Multiple requests have been sent to this company as well as Identity Theft Report What I requested again and did NOT receive : Please send me copies of the documents that you have in your files as of date that disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them. 

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of verifiable proof within 30 days of receipt of this letter, you must remove these accounts from my credit report. 



What I received : Statements mailed A default judgment The documents received from Portfolio Recovery for the account opened in my name included statements and a judgment rendered without my knowledge. The date of this court document is in XXXX of 2019. I did not live at the address on the statement during that time period. This case was opened without my knowledge and consent as well as the account. I take identity theft very seriously and ask that again after multiple requests the original contract be provided or delete from my credit immediately. 


Attached : What was sent to me by Portfolio Recovery What I sent to XXXX Bank
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to m
aintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist.

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove fraudulent ch XXXX bankruptcy docket # XXXX date filing XXXX and dismissed XXXX attorney XXXX XXXX XXXX. Documentation has been sent twice and disputes were started in XX/XX/2019. Court papers have been sent and they do not resolve anything. They still list the bankruptcy as being investigated and left on the credit report. 
I will attach the XXXX XXXX letter I received -- stating that my file is suppressed -- which was in XXXX. There is no way they could have verified this public record through any third party. 
The address in the bankruptcy doesn't even match any of my past addresses or records-which would not even comply with the Fair Credit Reporting Act. I will have to contact the Attorney General if this does not get removed I don't know what else to do at this point. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! 
Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose.

Please update the following accounts as Paid, Never Late. 
XXXX  # XXXX
Product: Checking or savings account

Fraud due to unauthorized XXXX and XXXX transactions totaling {$11000.00} These transactions occurred over the course of 3 days within the last week Bank of America checking account. We have a low confidence level that these funds will be returned. It has been very difficult to reach departments to get a clear answer on our situation. Key correspondence with details will be uploaded below.
Product: Mortgage

I have received from Citizens month after month a Mortage statement stating ... " You have one or more past due payment ''. This is false. I am using an auto draft, using their form to have my XXXX mortgage payment withdrawn from my checking account on the XXXX of the month with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I  am due for the XXXX XXXX regular mortgage payment and the payment is set for an auto drafting by Citizens on XX/XX/XXXX. The XXXX fell on a Saturday, so the due date was extended until XX/XX/XXXX, the next business day, a Monday. 

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 My loan is a conventional XXXXXXXX XXXX XXXX single family, owner occupied. For all I know Citizens is report every month that I am past due and they MAY be reporting to the three national credit reporting agencies that I am delinquent, which would have a major effect on my XXXX score. 

Citizens purchased my loan servicing right after the subject mortgage loan was originated in XXXXXXXX XXXX  I have called Citizens to complaint and get a nonsensical no sinical answer. I told them, that I would report them to the proper governmental authorities i I received one more Mortgage Statement stating that I was past due and demanding that I make a double the regular monthly payment. Citizens said their computer automatically generates the delinquent notice and I said that was not my problem to resolves and they needed to immediate bring the issue to attention of Citizen senior management and immediately fix the report delinquent problem. Further, if Citizens reports me to the national credit reporting agencies as delinquent I'll sue them and maybe start a Class Action case against Citizens and their senior officers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; 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