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

To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards. 

Additionally, I reference my protections under the Privacy Act of XXXX [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of XXXX [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data. 

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.
Product: Debt collection

Wells Fargo has been trying to collect an inaccurate amount of a closed banking account for over 7 years. I have tried in XXXX and XXXX to remove the inaccurate information and they would not. I recently opened a dispute in XX/XX/XXXX and they again did not remove the debt or account from my credit report and actually have no updated where it won't fall off until XXXX XXXX when before the dispute it should of been removed in XX/XX/XXXX. This should be removed right away. The current collections balance is {$230.00} which I never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine novermeber 2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in XXXX i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX XXXX and XXXX reported this account as been certified to there agency. which i know NOT to be true. XXXX, XXXX  and XXXX has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.
Product: Debt collection

I never ignored the debt. I paid the first payment on it in XXXX and received collection in XXXX. I was not given a chance for such a low debt. I have paid the account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrect showing a 30 day payment for a XXXX XXXX XXXX account in XXXX of XXXX.
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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported inaccurately across the bureaus. The payment history does not conform with all the reporting bureaus and the date of last activity as well. I do not want to see this in my report.
Product: Debt collection

XX/XX/2020 : received a call that I missed in which they left a voicemail stating they were calling me as a legal representative in regards to a case number and that they would now have to contact my employer to locate me. Then given the number to XXXX to call. 

I called to find out what it was because I thought it was something in regards to my unemployment benefits since Im currently out of work and needing the assistance. I was then told it was for ace cash express and I needed to pay XXXX and I stated I couldnt pay that right now so they gave me an amount of XXXX for by-weekly installments I was driving and asked if I can call back and the representative said if I hung up she would mark me as refusal to pay. I was driving.. I ended up disconnecting as I got to my destination. 

XX/XX/2020 : I received a second call from the legal representative in which she ends the call with my name and you will be located .... in a threatening manor. So I call the 855 number left again and was then trying to figure out more information about the legitimacy of this company but they refused to answer when I asked who they were. And so I hung up. 

I felt intimated and then just reached back out to same number and got a representative on the line who then placed me on hold and transferred me to the representative from from. I then explained to her at this point I wasnt able to fulfill an agreement of paying the amount of XXXX dollars BI-WEEKLY as I wasnt working right now due to corona and not expected to return back to work at the end of month. Hopefully. She then said she was going to put me on hold and see if she can talk to in-house counsel to hold off. She placed me on a 1 minute hold and said nope they cant hold off, so she is going to have to put me down as refusal to pay. and an officer was going to locate me at my address to take me to court. I didnt refuse to pay anything nor have I ever refused to pay this company, I have had little to no contact that I can recall from ace to collect payment back on my payday loan borrowed.. I tried to work with their hired debt collector to see if I can  pay when I began working and they refused. So now they are threatening to serve me and cost me XXXX of court fines from a XXXX dollar loan I owed in which I was paying on through payments.. I feel as this is unfair to me as I wasnt given much option to pay back what I owed especially since Im out of work right now and have no income to pay. I feel just harassed at the fact I was threatened to have officers look for me at my old job, home, etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.
Product: Credit card or prepaid card

XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.
Product: Student loan

In XX/XX/XXXX, the federal government moved my loan from XXXX to XXXX XXXX. Prior to this I had no trouble getting accurate info from loan servicer when it was XXXX. I sent XXXX an updated document on qualifying employment for the Public Service Loan Forgiveness Program, because that is a best practice each year and I take this very seriously. They sent me an updated summary of qualifying payments with literally dozens of errors on XX/XX/XXXX. By their inexplicable and erroneous accounting, I suddenly will not have my loan forgiven until much much later than I have actually qualified for. This is completely incorrect! I had in fact made many more qualifying payments as of XX/XX/XXXX than they said, and have continued to make them since. I immediately contacted FedLoan by phone ( twice ), which they have recorded I assume, and by email in early XXXX to request that these errors be fixed. I was told there was a long backlog and it could take 6-8 months. It has now been 7 months and 2 weeks. I messaged them on XX/XX/XXXX and got a generic " you'll hear from us soon '' response. I called again today and XXXX customer service said my recalculation request has to be done manually because there was a glitch in how the information got moved to their system last year, and no one has started this recalculation. This impacts my financial future and my career choices. Having this so ineptly handled is outrageous. Please help me.
Product: Debt collection

I opened a XXXX XXXX XXXX in XXXX of 2019. XXXX XXXX has been charging the agreed upon amount of {$52.00} for equipment since that time. Meanwhile XXXX is taking XXXX XXXX monthly on another credit card because I agreed to pay them {$1200.00} in monthly payments in fear that they would ruin my otherwise very good credit. 
I have called them twice the last time being today XXXX trying to get this resolved asking for a statement of all of the payments that I have made. I see that there are multiple legal claims that have been filed against XXXX. I am ready to take that next step.
Product: Debt collection

Attempted to make payments on credit card but fell behind on payment s .After XX/XX/21 After financial hardship could not make payments. Had to put all finances toward Mortgage, car payment, and insurance and utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$34000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00}
Product: Mortgage

I have been attempting since XX/XX/XXXX to work with US Bank on getting the PMI removed from my mortgage. I have met the requirements of on-time payment for the last 2 years and I believe my property will appraise high enough to put my LTV at 75 %. US Bank has been uncooperative in setting up an appraisal and there has been no follow-up after numerous contacts with their home mortgage dept. I believe they are delaying this process in order to continue collecting PMI or are simply inept at getting an appraisal set up. Either way it comes out of my pocket!
Product: Credit card or prepaid card

On XX/XX/2022 I was notified by XXXX fraud dept. that someone had opened an account and was getting a credit card through Bank of America on XXXX XXXX, XXXX for a Spirit Airlines Credit Card -- ( Ref. # XXXX -- and they closed the account before the person could use the card. The person also tried to open another credit card through Bank of America ( on the same day I think ) for a XXXX  XXXX Credit Card. The XXXX XXXXXXXX card was not opened and Bank of America stopped and closed the opened account on XX/XX/2022. XXXX at XXXX XXXX helped me get checks on my credit from XXXX, XXXX, and XXXX. I put a freeze on each of those Credit Reporting Companies. I also got an identity fraud report with my XXXX XXXX XXXX XXXX. ( Case # XXXX ). On the original report with XXXX of XXXX XXXX XXXX. had the name and address info used to get the new credit card. There was no money gotten by the person trying to use my information.
Product: Debt collection

On XX/XX/XXXX at XXXX there was an alert going off on my cell phone. I woke up to find what the alert was and it was an email from First National Collection Bureau , INC . 
This email was pertaining to a debt owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have informed this company on a previous occassion that the information that's pertaining to the information they have is incorrect, they have an address in the state of GEORGIA in which I have never lived outside of the state of ALABAMA. this communication was done on XX/XX/XXXX informing them of me disputing the information as I have never Lived in Georgia EVER.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of XXXX XXXX : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX ( XXXX  ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( XXXX ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission XXXX ( FTC XXXX ), XXXX XXXX. XXXX ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Vehicle loan or lease

I started Navy Federal Credit Union when I was XXXX XXXX in the United States XXXX XXXX. They granted me two loans XXXX XXXX XXXX and a XXXX loan for a XXXX XXXX ok. I said yes I would pay you back with whatever I had to do I was gon na pay them. So after I got out of the service, I joined the reserves and was almost done paying the car off. I received a bonus from the service I worked hard for it and they put me through alot to get it trust me. Im thankful. As soon as I did I went down to Navy Federal with my lover in the car ill never for it. Took the money out of the atm went in and paid my balance. I asked the teller 3 times I wanted to make sure that all my accounts are clear and she yes. I gave then XXXX dallors cash and I was told my loan for the vehicle was settled. The address was XXXX XXXX XXXX, XXXX XXXX, SC. This was in 2010. I had a discrepany with them because this debt was also showing up on my credit report and we had a big dispute because I did actually pay off my accounts. After I paid Navy Federal off I did want another loan from a major bank just local dealer. Im XXXX, I stand by my word and I have nothing to lie about. I went to the bank 2 days ago to open a checking account and I was told I couldnt because of the loss on the cars and bank account. Ok what kind trick they pullin they arent updating their systems.
Product: Credit reporting or other personal consumer reports

Fortiva has my wife 's account with XXXX XXXX  reporting on my credit file!! Ive called and disputed this even with the credit bureaus with no success. The account statements and documents clearly have her name on them and not mine but they are still reporting inaccurate info on my file which is a violation of the FCRA!!! I want this corrected immediately
Product: Credit reporting

MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED
Product: Debt collection

I have no signed contracts with a Collection Agency called SOURCE RECEIVABLES MANAGEMENT, and I do not have any contracts with Original Creditor Name XXXX XXXX XXXX XXXX.
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. 

XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 reporting 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 ) ( XXXX ) 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 inaccute