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

am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are r school officials nor authorized representatives, accessed databases that include my personal educatio without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or s audit. I did not provide any authorization for such access, and I believe this constitutes a violation of FERPA nights.

To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. 

I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never contacted   XXXX   XXXX   XXXX   of  XXXX , SC. Therefore, I could not have been the one signing a credit application with the reference application number :  XXXX . Therefore, all the information sent to the consumer reporting agencies is incorrect.
Product: Checking or savings account

On XX/XX/2024 I requested my XXXX XXXX account be cloed and send me a check in the amount of {$120000.00}. After a few days they only told me the account was closed and wait for a check. After a week I phoned each day and was told it would be in the mail tomorrow. 

After XXXX weeks I am now being told to request a replacement check I did so on their form in writing and notorized and requested it be sent registered. They tell me each day it will be looked at and approved by a supervisor. Still nothing. I ask everyday for a supervisor. They refuse. 

I want my money and no more " Call Tomorrow '' answers XXXX XXXX XXXX Ally Bank Case # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX LEXIS NEXIS Sold my personal information 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX Lexusnexus and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Debt collection

I have been disputing a debt that has been falsified with information created by the creditor. I have never provided any of the disputed information to them but they have a electronic contract. I asked for there method of verification and other disputed letters sent to them and they sent me the contract which is my first time ever seeing such contract. I noticed the contract was built and established by them creating a false contract placing in career trade, address, girlfriend, employment, reference person, phone numbers, email, ect. I made a police report addressing the falsified information made by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX KS XXXX INQUIRIES : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Mortgage

On or about XX/XX/year> I notified BOA bt phone that XXXX XXXX notified me that my XXXX XXXX had not been paid by BOA and was in danger of lapsing. I reached out to BOA and a rep assured me that a payment had been sent on XX/XX/year> which was well before the XXXX due date. I received a letter from my insurance company on or about XX/XX/year> advising me that my policy had lapsed for non payment. When I contacted BOA they were aware that the check had been returned for incorrect address and issued a new payment on XX/XX/year>. My insurance is in effect, however, BOA has been harassing me a treating to take funds to provide a policy for the non covered period caused by there neglect and failure to carry out their fiduciary responsibility. They are demanding proof of insurance for XXXX. I dont understand how their failure to properly manage my account can cost me and I have no recourse even after they assured me the payment was sent. I need assistance to help stop this harassment and misappropriation of my escrow funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinqu
ent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws.

2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.
Product: Bank account or service

Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/XXXX concerning inaccurate personal information, but Experian did not update my information. This is the 3rd time disputing this matter.
Product: Student loan

I attempted to dispute my loans with XXXX XXXX due to my personal and financial information being compromised without my authorization. XXXX protects the confidentiality of student records. The breach violates the contract and renders it null and void. They did not successfully process my dispute despite my personal information being breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Product: Credit card or prepaid card

Genesis FS Crd ( ( XXXX ) XXXX ) I make my payments, usually on time, but at this moment in time, I am a little late in payment, but 134 calls in under 6 months? 
This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.
Product: Vehicle loan or lease

I am filing a dispute regarding an incorrect late payment reported on my credit account. Kia Motors and I agreed to move the payment date to XX/XX/year>, and I made the payment as per our agreement. However, it was still reported as a late payment, which negatively affected my credit score.
Product: Student loan

I got sick in XX/XX/XXXX, I wasn't able to pay on my student loans in XXXX of XXXX as a result of my illness. Because of my not being able to pay because of my illness I received late payments of 90 days. I disputed the information on my report with them and they are asking me tp provide proof of my illness and they will remove the negative marks from my report. I don't feel that I should have to send them my medical information for this to be removed. My medical history is protected by HIPPA laws. I would like for the information to be removed. Can your agency have this information removed from my credit report. ED Financial is the reporting agency. In summation when I read the terms of the credit report it states that a negative remark may stay on your credit file for up to 7 years. It doesn't definitively say the negative remark will stay for 7 years it clearly says for up to 7 years. So with that being said it has already been 4+ years on my report.
Product: Credit card or prepaid card

In XXXX, I applied for and received the XXXX credit card after viewing a website advertisement claiming you can get 3 % on your top spend category, 2 % on your second, and 1 % on everything else. I thought WOW, that is nice. What's the catch? I clicked on " learn more '' and found that it seems legit. However, I later found it is misleading and deceptive as you can not earn 3 % on your top spend category if it is " other '' category. This is not made clear to someone who is interested even when they click on the " learn more '' link. " Other '' is clearly listed as a category you can earn rewards on without further disclosure that you can only earn 1 %, and that it is treated differently than every other category listed. 

After I found in the XXXX app that I would not earn 3 % on the " other '' category I went back to the website to do the research. I found that once you click on " learn more '' you are taken to the following link XXXX XXXX XXXX XXXX On that page it shows " other '' as a category you can earn rewards on. Right below, there is a heading saying " Rake in the rewards ''. Underneath the heading it states, " The XXXX Credit Card gives you custom cash back* rewards maximized to what you spend the most on. Well track your spend categories as they change, so you can just sit back and cash in. '' I scrolled to the bottom of the page to read the asterisk, which states, " * Use of cash back is subject to the terms of the XXXX account. Review the XXXX Credit Card Rewards Program Terms for more information. '' I then clicked on the link to the " rewards program terms '' taking me to this page : hXXXX XXXX XXXX This link has no information at all on the 3 %, 2 %, or 1 % rewards and how they work. It only describes how the credit card works and things like interest. 

To me, and probably a lot of other customers, this appears that XXXX is trying to hide the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to verify I was successful in placing a credit freeze on my Experian credit report. I tried to log in to my account several times and was always met with a page that said something went wrong. A phone number is provided on that page which you are instructed to call XXXX. When I tried to call I could only get automated responses and the company would simply not connect me to a representative and in fact the automated system hung up on me. I have tried several other numbers all returning me to the automated system. Simply put there is absolutely no way to get a human being on the phone to work through a problem that clearly their automated system is not set up to handle. I need help reaching a person to get this rather simple thing done.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  balance is XXXX incorrect information. XXXX XXXXl has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. Portfolio recovery XXXX have no ideal about this account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BANK OF AMERICA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}
Product: Debt collection

I received a call from Mitchell Bluhm and associates regarding an old medical debt. Three dates of service, however I applied for financial assistance through the hospital and believe that the bills had been waived. 

These people called me, claiming to be a law firm. They are not a law firm, they are bill collectors. The debt has been sold three times and I haven't heard anything about this for a long time until today. 

The person told me I was " not yet '' named in a lawsuit, and if I paid them they wouldn't sue me. I asked if the number she had called from was her call back number, and she said yes. However, I looked up the number and it is VOIP. The number came up as in my area ( XXXX ), but this company is located either in XXXX or XXXX. They have called me from a second number that is also a VOIP. 

I told them I would reach out to the creditor. Then, later I called back to request their mailing address so that I could send a debt verification letter. The woman on the line was hesitant to give me the address, but the address she gave me is a P.O. Box located in XXXX, XXXX. 

They are harassing me and making false statements, threatening legal action if I don't pay now etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a payment to cover my XX/XX/XXXX payment. I made it through Chases automated system as I have done since XXXX of XXXX. I used the same account information and the automated system said do you want to use the same account ending in XXXX. I said yes, got my confirmation number and thought everything was fine. I went to pay my XX/XX/XXXX payment through the automated system and it asked me for my full checking info. I thought it odd and spoke with a representative before going further and they told me my payment I made on XX/XX/XXXX never went through. I had no knowledge or notification prior to this. The representative stated from Chase apologized profusely and said it was Chases error and would NOT be reported to the credit bureaus. I paid both XXXX and XXXX at that time. Now, through a credit alert I have, Ive found out they did in fact report me delinquent to the bureaus. I called today to speak with someone and spoke with XXXX and then a supervisor XXXX. XXXX tells me that the bank account information I have been using in their automated system for over a year and have been confirming ONLY the last 4 on their system has magically changed and it somehow had XXXX listed in the beginning of the account #. That because of this it was not THEIR error and could not remove. If I had entered the entire account #, I could see this but nothing changed and I confirmed the last 4 that they maintained on file for my checking account. So NOTHING changed. I feel this was reported inaccurately and has caused me harm as a consumer.
Product: Money transfer, virtual currency, or money service

XXXX I was a victim of a wire transfer scam, I notified the bank immediate about this action and told them that did not approve of this action. 
I had all my account change plus passwords, I have notified the bank about this situation that I did not approve of this transfer. 
Wells Fargo has sent me letter informing me that the problem is closed because I approved it. 
XXXX XXXX was taken out of account case number XXXX the person that took money was XXXX XXXX from XXXX bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize and Fraudulent Hard Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX