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

am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the company.
Product: Checking or savings account

Back in XXXX of 2023 my USAA checking account was hacked and over several XXXX dollars was stolen and never returned to me. USAA closed my account, not taking my concerns seriously, and my account sat negative from then on. I sent countless complaints to USAA and escalated as far as I could with no resolution. My paycheck that was deposited at the time the fraudulent activity occurred, was also taken, leaving me with XXXX dollars to pay my rent and my bills. 


I no longer have access to that account but am willing to work with whoever can help me to get record of everything with USAA.
Product: Mortgage

I incurred financial losses by using XXXX to apply for a mortgage purchase on a single family home. The main issue I dealt with is the loan officer assigned to me has been out of the office for the last 10-15 days on a family emergency, which is understandable.. however the last 10-15 days is a critical time to gather all necessary documentation and explanations to underwriters to close. Better, didn't assign me another loan officer to facilitate the transaction, and now I will not close on time and will lose my contract on the home purchase. This has not only cost me valuable time ( which is much more valuable than money ), but also a portion of my non refundable earnest deposit on the home and the appraisal cost charged to me by XXXX Had they cared about me as a consumer and assigned me a proper and available loan officer we would have been able to close on time and I wouldn't have incurred any losses throughout this transaction. Competent Loan officers are critical to the closing of loans to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current loan regulations. It is my belief had they provided me the necessary personel we would have closed on time with no issue.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.

Items that need to be disputed : Experian : XXXX. XXXXXXXXXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off XXXX : XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off XXXX : XXXX. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.
Product: Debt collection

I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt '' that I 've never heard of until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 


Please see attachments below.
Product: Bank account or service

Chase has blacklisted my personal methods to bank with them. Chase closed down my business accounts many years ago without merit. Apparently this is affecting my personal relationship with Chase, keep in mind I have a mortgage account with Chase. I want Chase to take me off these lists because I am unaware of what blacklisted me. This makes no sense to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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

On XX/XX/XXXX, I contacted XXXX because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an XXXX customer service representative, I was altered that someone had opened a Capitol One /Cabelas account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to XXXX  on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted XXXX and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted XXXX  as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX ). I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the XXXX  customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.
Product: Credit card

On XX/XX/24 I received an alert through my credit card app that my card was closed. When I called to ask why, they responded that I had requested it via email. I replied that I had not sent any such message and then asked why they would accept that email without verifying with me, the cardholder. Their position is that my email address is the only account verification necessary to take action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The count that I marked as inaccurate is XXXX.
Product: Debt or credit management

I was misled by my mortgage company DOVENMUEHLE that I had to be 3 months behind in mortgage payments in XXXXXXXX XXXX XXXX  to get assistance with lowering my mortgage payments I sent my application via mail in XX/XX/year>. I called the mortgage company and was informed they never received it, which put me behind for XXXX months. Finally, by the middle of XXXX, I asked if I could email them the application so I could begin tracking the application process. It is now XX/XX/year>, and I have been asked for excessive & redundant documentation. Until DOVENMUEHLE decided to try and foreclose on my property by NOT properly serving me notice via mail while leaving me under the impression that they were still working on my modification. 

As of XX/XX/XXXXXXXX XXXX XXXX XXXX I have sent a complete package of all up-to-date documents they have ever requested for a modification and I have received no response. The usual response time is XXXX hours or less via email but yet nothing. Please see the e-mail below I have sent DOVENMUEHLE along with the complete package.

Dear XXXX  PLEASE SEE THE ATTACHED COMPLETE LOAN MODIFICATION REQUEST. I'M HOPEFUL YOU WILL COMPLETE MY LOAN MODIFICATION REQUEST AS I HAVE BEEN PLACED IN FORECLOSURE BY YOUR COMPANY WITH A NOTICE OF ONLY HAVING 33 DAYS LEFT BEFORE YOU GUYS TRY AND TAKE ME HOME FROM ME. I'M REQUESTING THAT YOU PUT MY FILE ON HOLD AS YOU WORK TO COMPLETE MY LOAN MODIFICATION OR ANY OTHER ARRANGEMENT YOU CAN OFFER ME TO HELP GET MY MORTGAGE BACK ON TRACK!
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 -Untitled { XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX 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

In XXXX of this year I checked my credit and noticed several unauthorized and incorrect items. On XX/XX/year> I wrote to the bureaus to dispute the items and have them removed. None of these people had a permissible purpose or consent to obtain my credit reports. To date, this credit bureau has not responded to my letter, nor has it taken any steps to rectify the errors and damages done to my credit. They are willfully disregarding my dispute. They are willfully reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX  XXXX XXXX : {$5500.00} Date of Account : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and XXXX XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company XXXX violated
Product: Credit card or prepaid card

While I XXXX and was restricted of movement and communication in the in the rapid-changing covid 19 environment we have all been subject to, Synchrony Bank insisted in using ; 1. predatory lending techniques ( I will explain below ) 2. after they approved the credit they decided to revoke the credit granted on the basis that I " did't have solvency '' according to the XXXX  Credit Report letter dated XX/XX/XXXX 3. This action of reducing the credit cards original balance of {$3500.00} to specifically the amount owed of {$660.00} dramatically affected my credit score ( SCRA ART 518 SEC 2.A ) and other credit card accounts from Synchrony Bank and other account that where not from Synchrony Bank as well.

4. I contacted them as soon as I could on XXXX to let them know that plans had changed, I was told I would be quarantining with my phone for two weeks prior to starting bootcamp but the protocol changed and I was not going to be able to make payments until I graduated from bootcamp and there is evidence because they sent me a letter to enroll me in SCRA benefits dated XX/XX/XXXX as evidence of that call. 

Once I graduated  on, XX/XX/XXXX, I called and the teller for Synchrony Bank told me it was ok, that my accounts would not be closed if I made payments of specific quantities. Which I did. I actually payed in full the XXXX Mastercard credit card ( {$620.00} ) and made other big quantity payments to other of the Synchrony Bank credit cards, ( {$2000.00} for XXXX  MasterCard on XX/XX/XXXX ) because this would prevent them from closing my accounts. However my account were still closed and my credit score plummeted 123pts because of this. ( ART 518 SEC 3 ) While I would have remorse if this happened and I was not XXXX the fact is I was. If I had not XXXX this would not have happened. Does this bank understand that? I am a responsible person. I XXXX in 2 months from swearing in to serve my country and I had to make a lot of adjustments in my civilian life in order to serve, I can not believe the circumstances by which it happened. I wrote, sent faxes and personally called the three ( 3 ) customer service departments for each credit card company and they acted like they didn't care, like they deal with this in a regular basis, were they just close customers credit accounts without previous announcement. I wasn't home to receive any of the letters. I didn't have access to any type of communication and to put the cherry on top they just told me I could just re-apply for credit. ( ART 518 SEC 2 C ) Like re-applying for credit won't affect my credit score even more.

Would anyone who encounters such cruel treatment of a service member ever re-apply to for service in a place where they where served so badly in the first place? 

I read through the SCRA and found several articles to apply to my specific situation. ( ART 523 SEC A, B, B1 ) I have evidence to prove every statement made.
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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.