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

Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.
Product: Debt collection

XX/XX/year> I paid a rental debt from XXXX XXXX XXXXXXXX  of {$4500.00} through Procollect. On this date the debt was paid in full. Procollect and I came to agreement for me to receive an Paid in Full letter and for this sent to be remove from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS
Product: Mortgage

About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved.
Product: Vehicle loan or lease

I am filing this complaint against Westlake Financial Services to provide account-level documentation regarding my account. I have requested this documentation to verify the accuracy and legitimacy of the information they are reporting, but they have not supplied the requested information. I believe their lack of transparency may be in violation of the Fair Credit Reporting Act ( FCRA ) and possibly other consumer protection laws.

Original Contract : To confirm the terms and conditions of my loan agreement. 

Full Payment History : To verify that the payments I made were accurately recorded. 


Account Information : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to your agency or any subsequent purchaser Account History : Date of first delinquency on the account Date and amount of the last payment made on the account Current balance on the account, including a detailed breakdown of any fees, interest, or additional charges applied Date the account was charged off by the original creditor Documentation of Communications : Any and all written or recorded communications between me ( the consumer ) and the original creditor or other prior holders of the account Records of any previous disputes or resolutions related to this account This documentation is essential to confirm the validity of this account and to verify that all amounts claimed are accurate. I request that you provide the above information and documentation within 30 days of receiving this letter. 

Please consider this a formal request under both federal and state consumer protection laws. If you are unable to provide the requested documentation, I ask that you immediately cease collection efforts on this account and notify any credit reporting agencies of the unverifiable status of this debt. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Mortgage

In XXXX, I bought a house with my son 's father. Sometime in XXXX, the mortgage company, XXXX XXXX XXXX transferred business to Pennymac. Once it was transferred, my name was no longer on the mortgage. When I called regarding this, they said they have no record of what I'm talking about and then wouldn't talk to me, only XXXX XXXX, who was also on the mortgage, but they only had him listed. It was also removed from my credit report. 

XXXX our relationship ended. I took my name off of all shared accounts. I did not contact the mortgage, as I was told I wasn't on it. 

XXXX I notice it back on my credit report, due to it almost going into foreclosure. They told me that if I didn't sign paperwork letting XXXX XXXX change the terms of the mortgage, the house would go in foreclosure, but I can get off the mortgage in XXXX months. They told XXXX XXXX to get me off the deed and that would make the process faster/easier. So he did that. 

XXXX, after the few months they stated, they now tell us he has to make XXXX on time payments, and I can not get off without refinancing. And the fact he took me off the deed, did not matter. 

XXXX  months comes and goes and it's a whole different story. 

Everytime we call, we get told to do different things, or get told different things. I just want to be off the mortgage. I have had XXXX other addresses since that home, so it's clear I do not live there and haven't in awhile. They refuse to do any pardons that would avoid refinancing to get me off and not have my son 's father 's mistakes affect me, and I'm stuck in a rut with a mortgage and a house that I don't even live in anymore. 

They are not taking any responsibility. If I knew my name was still on the mortgage, I would've removed it like I did everything else. Not find out I'm back on after it almost goes into foreclosure. 

They do not communicate well or consistently. There are options out there for people like me, and they refuse any peaceful resolution and rather make things difficult since the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted  from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Money transfer, virtual currency, or money service

Sender Name : XXXX XXXX Business name : XXXX XXXX XXXX Bank : Bank of America Account number : XXXX Email used for XXXX : XXXX. 

Receiver Name : XXXX XXXX XXXX : XXXX Account number : XXXX Phone number used for XXXX : XXXX Transaction number : XXXX Amount : {$5000.00} Issue : Reversed transaction was taken out from the receivers account but not deposited to the senders account. 

On XX/XX/XXXX XXXX XXXX sent {$5000.00} to XXXX XXXX through Bank of America app using their XXXX quick pay service. XXXX XXXX received the money right away. However, after receiving the money, we decided to reverse the transaction, so XXXX XXXX called XXXXXXXX XXXX and ask them to reverse the transaction. XXXX XXXX took the money out from XXXX XXXX account and said they reversed the transaction, and that it will be deposited within 6 days. Its been almost 40 days the money is not in XXXX XXXX account. 
We contacted Bank of America and they keep telling us they did not receive the money from chase. We opened a claim, and they closed the claim saying they never received the money from XXXXXXXX XXXX Every time we call Bank of America, they give us the run around and they try to push the responsibility to XXXX. XXXX also keep telling us they already sent the money back to Bank of America and closed the claim we opened with them. 

*Please find attached XXXX XXXX bank statement from bank of America and XXXX XXXX bank statement from XXXX as evidence.
Product: Debt collection

On XX/XX/XXXX, my father passed away. I am the official appointed personal representative for the estate. 

On about XX/XX/XXXX, I received a letter from the following collection company attempting to collect a debt : AscensionPoint Recovery Services LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX XXXX I then called the company and spoke with a representative named XXXX XXXX ext. XXXX to find out what this debt was for. I told her that I was the court appointed personal representative. She asked if I was working with a lawyer- I told her that we were, however that as the personal representative she could work with me as our attorney charges {$350.00} per hour and I did not want and did not have to use his services for this particular issue. She then promptly informed me that the debt was for a medical credit card called " XXXX XXXX '' and told me the balance they were seeking. I asked her to mail me an invoice showing a detailed break-down of the charges, which I have yet to receive ( it has been about 2 weeks ) Upon preparing my deceased father 's XX/XX/XXXX tax return today XX/XX/XXXX, I  discovered I needed to find out how much he spent on medical expenses for year XX/XX/XXXX. I knew from the balance on his " XXXX XXXX '' card that he must have put some medical expenses on there that I need to discover in order to complete his tax return. As I have not yet received the statement I requested, I called back to AscensionPoint at approximately XXXX XXXX. 

The representative refused to provide me information saying that " because the estate has an attorney, LEGALLY he can't speak with me and has to have all of my attorney 's information to speak with him '' which I know is absolutely not true and will accrue unnecessary expenses to the estate. 

As a court appointed Personal Representative they are required by law to provide information directly to me, they are under no " legal restrictions '' as the collections agent falsely stated to " only work with my {$350.00} per hour attorney ''. Despite being compelled by law to work with me on this issue, they decided to attempt to bully me into adding additional unnecessary legal costs to my father 's estate to aid themselves in strong-arming me for a collection of debt. ( Which I can't stress enough, is absolutely not called for ) I take issue with their morally reprehensible, illegal, and unnecessary bully tactics to attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX. 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, XXXX therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations
Product: Credit reporting, credit repair services, or other personal consumer reports

Ftc violations and fcra All company deem violations by the Ftc For improper conduct
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you. 

1. In addition to alterations to transaction type made by someone with access to bank data, there were alterations to merchant type when having limited space. The alterations to transaction type were observed my XXXX, Wells Fargo, XXXX  XXXX XXXX, police, myself, and their fraud prevention/claims departments. They went against the code determined between the merchants and credit card companies. I reported this about a year ago, and it happened again. If you recall, altering transaction type affected credit score, even though it is not supposed to do so. 

2. XXXX for fax service started mixing billing codes and It codes, essentially doing the online equivalent of giving batteries when emails, personnel, and written statements confirmed that the customer order for fruit would include fruit while still only giving batteries. As a result of frequency and pervasiveness, a new credit card number was issued as they were using the card without authorization while not providing the fax service requested but using email to say they were 3. Wells Fargo changed my credit card number in late XXXX of 2023. XXXX showed that in the change, XXXX ran my score low to almost zero while I was seeking employment. There was adverse effects. Please help stop financial duress as my students with needs were in physical and emotional duress. I am in good standing. No misconduct. 

4. XXXX needs to edit a statement and correct it to show that fraudulent accounts may NOT be opened in my name. 

5. Some avoided putting correct addresses on credit bureau files making verification difficult even though census were taken at those places.
Product: Credit card or prepaid card

XX/XX/2018 ANNUAL MEMBERSHIP FEE {$450.00} I called JP Morgan Chase bank on XX/XX/2018 to protest the fee above on an account I had opened because they were offering me the first year free through my XXXX XXXX account. They said they apologize for the inconvenience and would file a request to reverse the fee and contact me in 3 days. 

I was never contacted by the bank again and decided to call them back today, XX/XX/2018 when they blatantly refused to reverse the charge saying the offer was not given to me. When I asked why I was offered it in the first place or if I was approved for the card, if they didn't want to give me the offer, the advisor said you are welcome to close the account.

I asked if I close the account would the fee be waived and the agent said, I would still need to pay the fee. I also know that closing the account will affect my credit score, so I didn't want to do that. I feel cheated and so helpless. Please help!
Product: Debt collection

XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX     while reviewing my account with  Bluebird ( American Express )  I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from  XXXX  of {$1.00} and an online purchase from  XXXX  for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted  Bluebird via letter as in structed and immediately canceled my card. On   XXXX   XXXX   XXXX     at  XXXX  I recieved an email stating Hi  XXXX   XXXX   , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge.     Disputed Transaction Details : Transaction at  XXXX    XXXX   XXXX   Amount {$320.00} TransactionDate   XXXX     Questions? Call us at  XXXX  were available  24/7.      Thanks, The  Bluebird Team T han on   XXXX   XXXX   XXXX     at  XXXX  (  1 minute  later ) I received this email.   Hi  XXXX   XXXX , Recently you inquired about your charge  ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.      You have the right to review any documents we relied upon in making our determination.      You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC  :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  Thanks, The  Bluebird Team Than on    XXXX   XXXX   XXXX     at  XXXX  Hi  XXXX   XXXX    ,   During a recent review of your Account, we noticed activity that was in violation of the  Bluebird Memb er Agreement, section :  22D Due to the violation  your Account has been locked and your Account privileges have been suspended.     If you have any questions, please call Account  Protection Services  at  XXXX .     Thanks, The  Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 to do so.