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

I am writing to formally request the removal of my student loan ( s ) due to multiple violations of the Family Educational Rights and Privacy Act ( FERPA ) that have directly impacted my rights and financial obligations. Upon a thorough review of my loan records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loan ( s ) invalid.

Violation of FERPA and My Rights as a Borrower According to 20 U.S. Code 1232g and 34 CFR Part 99, educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include, but are not limited to : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) o My student loan data, including my Social Security number, enrollment status, and financial details, have been accessed and shared without my explicit consent, violating my FERPA rights.

o The Department of Education and its contracted loan servicers were required to obtain my written authorization before sharing my data with third-party collectors or agencies.

2. Failure to Provide Full Access to My Educational Records Upon Request o Under FERPA, I have the right to review and correct errors in my student records. However, repeated requests for original loan documentation, including signed promissory notes and disbursement records, have gone unanswered. 
o The inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation.

3. Unlawful Misrepresentation and Processing Errors o Misrepresentation of my loan status, interest rates, and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law.

o The Department of Education and loan servicers must comply with due process when managing loan disbursements, servicing, and collections. Failure to do so constitutes a material breach.

Formal Demand for Loan Discharge and Record Removal Due to these clear FERPA violations and non-compliance with federal regulations, I am demanding the immediate removal and discharge of my student loan ( s ) from all records, including : The National Student Loan Data System ( NSLDS ) All credit reporting agencies ( Equifax, Experian, TransUnion ) Any affiliated loan servicers, collection agencies, or third-party entities Legal Grounds for Discharge As per 34 CFR 668.7175, misrepresentation and non-compliance with federal student aid regulations warrant loan cancellation. Furthermore, under FERPA ( 34 CFR Part 99 ), the mishandling of educational records can result in federal enforcement actions, including the loss of funding for institutions and agencies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/GA Attorney General/Consumer Finance/XXXX ; Equifax. Report # XXXX. 
RE : Request to Block Unauthorized Charges from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$1200.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$0.00} XXXX XXXX XXXX ACCT XXXX XXXX AMT : {$0.00} XXXX XXXX ACCT : XXXX AMT : {$7000.00} XXXX   XXXX XXXX ACCT : XXXX AMT : {$1600.00} I have enclosed my FTC Identity Theft Report and a copy of my credit report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been conducted and concluded, with verdicts in my favor from XXXX  and XXXX, However, Equifax ( which is the Bureau  that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with Experian credit reporting agency about a discrepancy in my address that their company has on my credit file. The address is listed as XXXX XXXX XXXX XXXX XXXX, WI XXXX. This address does not belong to me and I sent in my identification to Experian several times already. Proving to them that my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. But Experian is neglecting their duties and are refusing to comply when it comes to correcting my credit report information. Which is a major violation of my consumer rights under the Fair Credit Reporting Act Section 623. I also attached my previous CFPB complaint results that I received from Experian on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent a letter to XXXX, Experian, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from Experian and XXXX XXXX. The other four we should have received have not arrived yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX reference # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request for Goodwill Adjustment - Account Number : [ XXXX ] I am writing to you as a valued customer of Flagship Credit Acceptance, regarding my account with the account number mentioned above. 

I have been a loyal customer of Flagship Credit Acceptance since XXXX and I appreciate the services and support provided during this time. However, I encountered some financial difficulties that resulted in a late payments in XXXX, XXXX, XXXX, XXXX in XXXX and XX/XX/XXXX on my account. 

I understand that maintaining a positive payment history is crucial, and I take full responsibility for the situation. Due to the unforeseen circumstances, I was unable to make the payment on time, leading to the late payments. 

I am writing to request your understanding and consideration in granting a goodwill adjustment for the negative mark on my account. The remarks should not have shown as late because extensions were put in at those times. Also I tried numerous times for the late payments to be deleted with no avail. I assure you that this was an isolated incident, and I have taken steps to ensure that my payments are made promptly in the future.

A positive adjustment on my account would not only improve my credit standing but also reaffirm my commitment to maintaining a strong relationship with Flagship Credit Acceptance. 

I appreciate your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent proof to Transunion that accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting inaccurately. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. Transunion is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : - 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: Payday loan, title loan, or personal loan

I paid off my loan on Wednesday XX/XX/18. The company refuses to take the final amount out of my checking account. I contacted the company through email multiple times to find out why there is a delay and they keep instructing me to call them. I called and no one can give me an answer on my loan. I believe they are going to resume withdrawing money from my checking account biweekly, instead of completing the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights in the amount of {$970.00}. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided each credit bureau ( XXXX, XXXX and Transunion ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington law to dispute the balance owed on XXXX XXXX child support fees owed they said they took care of it and I know now they didnt do anything because I keep dealing with my license get suspended for past owed amounts I have called XXXX XXXX over and over because of this I have had time with my daughter taken for the suspension of my license witch has happened multiple times and I am not sure what to do this is my story my daughters mom and I split up and I called XXXX XXXX 6 months before a case was started to establish the support when they started taking the money out of my checks I was somehow behind XXXX dollars in total I have paid XXXX dollars for this I have the statement of what is owed the reason anything is owed is for the weeks I have my daughter witch I travel out of state for I owe a total of XXXX I will send pictures of the statement of my most recent statement from XX/XX/XXXX and I have learned that XXXX XXXX child support department has a mandate for you not being able to take them to court for not doing there job you have to take the whole state to court and all I have ever asked is for them to do there job this has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emotionally my name is XXXX XXXX and I dont know what to do about this please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Debt collection

My husband received a phone call on XX/XX/XXXX asking if he could be available to receive financial legal documents for a civil case for me. He denied. The XXXX XXXX XXXX XXXX XXXX and XXXX attempted to contact him again on XX/XX/XXXX at work. 

I was first contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked if I was ( my maiden name ). I didn't admit, but asked what it was in regards to. She informed me they needed to deliver documents for a civil case, but that was all she could share unless I admitted to being the person they were trying to contact. I explained that I didn't know if she was who she claimed to be, and she hung up. 

On XX/XX/XXXX, I received another call at work. Truly concerned I answered, but again, denied my identity, because I was at work and couldn't go into that conversation near my co-workers and supervisors. I called back 30 mins later to discuss what they were alleging. I was advised that they were persuing a civil suit for {XXXX} for an account with US Bank dating back to XXXX. I denied remembering the account, and told her that it should be past the statute of limitations anyway. She denied there being a statute of limitation on this account, although in IL it's 10 years on a written contract. She claimed to have the paperwork and forms of ID on file from when the account was opened. I was threatened with a lien being placed on my vehicle and being served lawsuit paperwork. She stated that 2 letters were sent prior to the phone calls, explaining my options to clear the debt. ( I do not recall ever having received anything ). 

I told her to send the paperwork ( whatever that may be ). 

She told me " good luck in court ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.

IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.

XXXXXXXXXXXXXXXXXXXX;XXXXXXXXXXXX(OriginalCreditor:XXXXXXXXXXXXXXXX)XXXX;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX XXXX " has violate 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.
Product: Credit card

I made a payment early XXXX via the Walmart Credit Card portal, powered by synchrony bank. I received a confirmation and it appeared that the payment went through. Later that month I received a late notice and called. I was advised that I did not make a payment. I then made XXXX payments XXXX for XXXX and XXXX for XXXX On XX/XX/XXXX I wnet to the website and had to update my password, it makes me do this every time. I then made my payment for XXXX and received a confirmation. I checked my account and the payment did not come out of my account. I called the call center and was advised that they have been having difficulties with the website but this is the second time this has happed and one of which I was advised that I would be credit reported and later I was advised that I would not be. I do n't feel comfortable making a payment online and I do n't know if I have been credit reported or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, 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 The account is Also closed but remains visible and harming my credit score
Product: Vehicle loan or lease

I bought a used XXXX XXXX XXXX on XX/XX/XXXX. The percentage rate is 20.32 %. My finance charges XXXX. The total of payments is XXXX. The rate was unfair and {$7200.00} is still owed on the car. The entire deal was discriminatory and they took advantage of someone who needed a car to get to work. We have reached out to Santander on several different occasions, they say there is nothing they can do to help me. I asked them about refinancing the loan, and they stated they don't do refinancing. I called again this morning asking for an itemization of my payments. Can you please assist me with this?
Product: Vehicle loan or lease

XXXX XXXX toyota didnt give me the best of options and were very shady and untrustworthy untruthful and all out scandalous.They didnt inform me of my lenders that i could or should choose from.He asked me how much i had down i said five he said i needed XXXX XXXXWen i actually looked over my papers the car loan actually came from toyota motor credit corporation.I had know knowledge of me being financed XXXXAfter finding out i was signed up for gap tire and wheel mechanical breakdown documentation fee convince fee and several other packages that i didnt know that i spent money on that i was intended to