23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a savings account with Discover Bank. And a CD.

I have online banking with them.

I tried to transfer funds from my discover bank account to my wells fargo account, because I use the latter for withdrawals from atms.

I now live abroad and do not have a USA phone number.

I tried to get into my discover banking account to transfer funds. They said I can not into the account unless they send me a verification code. Well, they don't send codes to foreign numbers. And I don't have a USA phone number. They also don't send codes to VOIP numbers. So, I can't transfer funds. Now my XXXX XXXX bank account is being charged a monthly fee because the balance is low. I am running out of funds and am abroad. Discover told me I must have a USA phone number. So my only choice is to fly back home to the States and buy a USA phone number! This is ridiculous. How can my bank lock me out of my own account. This is causing me so much stress. I am a XXXX  and I am stuck in XXXX, running out of funds, and discover has locked me out of my bank account because I don't have a USA phone number for them to send a sms to. They said nothing else will work. This is robbery.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Inquiry on Credit Report Dear [ XXXX ], I am writing to formally dispute an inaccurate hard inquiry that appears on my credit report. The inquiry in question is from XXXX, dated XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I kindly request that you remove the unauthorized inquiry from my report. 

Enclosed, you will find a copy of my credit report highlighting the disputed inquiry, along with a copy of my identification for verification purposes. Please provide me with written confirmation once the inquiry has been removed. 

I appreciate your prompt attention to this matter. Please respond within the timeframe required by the FCRA. You may contact me at the phone number or email provided above if you require further information. 

Thank you for your time and assistance.
Product: Debt collection

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting mislea ding information. There is no third party involved. Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

I did money transfer through XXXX. When my receiver want to receive the money, XXXX agent told my receiver that the money is not ready. I called XXXX Customer Service and I was told to have my receiver go to the same agent location again to go receive it. When my receiver went for the second time, they wrote on the Receiver Form attached that the money is still not ready. So my receiver called me as she was still at the agent location and I called XXXX Customer Service again. This time, XXXX Customer Service started a claim with XXXX XXXX # - XXXX, and told me to follow up in XXXX business days which fell on today XX/XX/21. When I called today, the XXXX Customer Service agent treated me very disrespectful and refused to help me get my money back. So please I need your help to get my money back, it is for urgent need. 
Please see the attached documents for review. 
Thank you.
Product: Mortgage

I am writing this letter to document my verbal conversation with Flagstar Bank on Thursday XX/XX/XXXX and their customer service department. I was told that I had broken the loan modification terms for failure to communicate with Flagstar. 

The statement was made that FSB was trying to discuss with me the reason for my mother in law, XXXX XXXX being on title with my husband, XXXX XXXX and I and her failure to complete any paperwork for the modification. 

I explained that I had indeed tried to communicate with them last month when I was told verbally that there was a question regarding the title. 

In fact I was told in XXXX of XXXX, via a phone call that I made to FSB to check the status of my modification that XXXX, either a loan underwriter or supervisor needed to discuss with me the situation stated above in regards to my mother in law and title. 

I even confirmed the phone number for XXXX of XXXX and explained that I had returned her phone call and had left at least 2 messages that I can recall although there may have been more and that prior to the initial call in XXXX I was told that my loan was approved and all that was needed was a assignment of release from the previous servicer, XXXX XXXX XXXX, XXXX, XXXX. The assignment was completed and recorded on XX/XX/XXXX. I have attached the recording information. I also called again on Friday XX/XX/XXXX and left a message for XXXX. 

The original modification was set to be completed in XX/XX/2020 and since this time I have called, emailed and continued to ask when this would be made permanent and had been assured several times that the loan was approved and the assignment from XXXX/XXXX was all that was needed. I even contacted the attorney for XXXX XXXX XXXXFlagstar Bank and was told that they were dismissing the court case and that my file was still on hold for loss mitigation. A copy of that email is attached as well. 

As to date I still do not know the reason for the modification being rejected or if it has even truly been rejected., although my most recent mortgage statement suggests that it has. 

I have attached the following documentation for review : Assignment recording information Email from XXXX Previous mortgage statements Documentation of all payments being made In closing my XXXX payment will be made the same as the previous payments via phone with customer service and XXXX XXXX XXXX on XX/XX/XXXX. 

Please email your correspondence as it is much quicker than regular mail and phone calls do not seem to perpetuate any results.
Product: Mortgage

Carrington Mortgage has not made any attempt to help us save our home from foreclosure I did fall behind on my mortgage, but I was unaware that the payments were delinquent, since my daughter was suppose to make the payments. Only when we were in foreclosure did we realize that our home mortgage was delinquent. As soon as we were aware of the delinquency we contacted Carrington Mortgage, but all they said was that we were in foreclosure and we needed to pay the entire past due amount. This was impossible and they never offered any other solution. As it turns out, if they would have offered us the opportunity to begin a loam modification process, we would be able to save our home. We now have a foreclosure sale date scheduled for XX/XX/2019 and we are afraid our home will just be lost through the sale. We moved out of our home to take care of XXXX brother who needed constant care. My daughter stayed in our home and was making the payments since she had a great job. However, she lost her job and got hurt, but didnt let me know she had financial difficulties and was behind on the mortgage. If we had known of the delinquency, we would have stepped up and made the payments. However, now that we are in foreclosure, we do not have all the money up front. We tried to work things out with Carrington, but we were given the cold shoulder. There was no discussion about applying for assistance and we felt that there was nothing we could do. We have never refinanced or had our loan modified and just want the chance to keep our home for our retirement. We want a chance to properly have our loan reviewed based on our current financial and see that our loan qualifies for relief options. We are stable financially and can afford our house payment, but had access to programs that would save our home. I am appealing to your agency to help us keep our home.
Product: Debt collection

A police report and a XXXX XXXX Theft report was send to the credit bureaus and XXXX XXXX XXXX date XX/XX/XXXX that I'm a victim of identity theft, send letter request to remove the accounts. XXXX XXXX XXXX changed the ( XXXX ) on these accounts. XXXX XXXX XXXX reporting XXXX XXXX XXXX reporting XXXX on record, and for a transaction I dont recognize account : # XXXX for {$900.00} date XX/XX/XXXX. I never made a payment on this paid off account. The company has harass me and oppress me, causing damage to my credit continued attempts to collect debt thats not owed, XXXX XXXX mailed notices and phone calls attempts to collect {$360.00}, not owed that was paid on XX/XX/XXXX showing on the payment history. 
And is still reporting and tampering with the account 's. These are XXXX violations. I never singed anything or had a account with XXXX XXXX XXXX. XXXX XXXX was closed and paid off.
Product: Credit reporting or other personal consumer reports

A charge off is considered as income according to IRS, an income is forbidden to be on my consumer credit report according to congress 15 u.s.c. 1681 ( 2 ) ( a ) ( i ). A charge off is an inaccurate account 15 u.s.c.1681 ( e ) ( b ). 15 u.s.c.1681 ( s ) -2 says any payments during Covid-19 are required to be deferred or forgiven.
Product: Checking or savings account

XX/XX/year> Opening a joint smartly savings account. 
The US Bank XXXX department left a voicemail. Calling back the hold time of about XXXX minutes. After requesting a supervisor I was connected with XXXX in escalation. She was rude, condescending, and talked loudly over me.
Product: Money transfer, virtual currency, or money service

I received an email Sunday XX/XX/XXXX on my PayPal account of a successful transfer {$610.00}, but I did not authorize/request this transaction. The money had been transferred to a prepaid Visa. I contacted PayPal twice to advise it was not authorized, that it was not my Visa card. Both times they replied that it WAS authorized and they could not refund my money.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have requested a goodwill adjustment from Chase or JPMCB AUTO so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the period XX/XX/XXXX. I have sent letters and called Chase on XX/XX/XXXX to request the adjustment. Chase did waive the late fees and attached is my account activity. You will see they waived the late fee on XX/XX/XXXX and XX/XX/XXXX. 

I have been in good standing and making my car loan payments on time since XX/XX/XXXX.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  Balance : {$720.00} XXXX  XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

To : U.S. Department of Education Student Privacy Policy Office XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans 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 Governmental Entities ( 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 ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC XXXXg, I ask that they be removed within 15 days. Relevant documents are attached for your review.
Product: Debt collection

In early XXXX, I received a letter from XXXX XXXX under the name of XXXX about a debt I owed them ; shortly after, I received a phone call. I was shocked because I had never done business with these people before. I was informed that they acquired the debt from Navy Federal Credit Union. I sent XXXX XXXX a debt verification letter ; they responded by providing a series of documents. In these papers, I discovered my entire social security number, a clear breach of my privacy. Also, I was frustrated as XXXX XXXX should have provided the original documents ( contract ) with my wet signature, but they were nowhere to be found. 

The Privacy Act of XXXX  ( 5 U.S.C. 552a ) : This act restricts the disclosure of personal information, including SSNs, by federal agencies and requires agencies to safeguard the privacy of individuals ' information. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : This act regulates the collection, dissemination, and use of consumer information, including credit information. Unauthorized disclosure of SSNs can be considered a violation of the FCRA.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : This act prohibits debt collectors from using unfair, deceptive, or abusive practices to collect from consumers, which can include the unauthorized use or sale of personal information. 

State Privacy Laws : Many states have their own privacy laws that provide additional protections for personal information, including SSNs. My SSN was sold without my consent or notification offering me an option to opt out. 
Florida Florida Digital Bill of Rights ( SB 262 ) : This law, effective from XX/XX/XXXX, grants Florida consumers certain rights relating to the processing of their personal data by businesses. It includes provisions for data minimization, consumer rights to access, correct, and delete data, and opt-out rights for targeted advertising and profiling. 

New York New York State Personal Privacy Protection Law ( PPPL ) : Enacted in XXXX, this law regulates the manner in which state agencies collect, maintain, and disseminate personal information. It grants individuals the right to access and correct their information, prohibits the collection of personal information unless relevant and necessary, and requires agencies to inform individuals about the use of their data. All of which must in accordance with all federal regulations. 

The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ), also known as the Financial Services Modernization Act of XXXX, is a federal law that requires financial institutions to explain their information-sharing practices to customers and to safeguard sensitive data. 

Under the GLBA, financial institutions must : Disclose Information-Sharing Practices : Inform customers about their policies regarding the sharing of personal financial information. 

Provide an Opt-Out Option : Give customers the right to opt out of having their information shared with non-affiliated third parties. 

Safeguard Customer Information : Develop, implement, and maintain security measures to protect customer data from unauthorized access.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. Please remove and block fraudulent accounts and inquiries from my credit report, Per Section 605B of the Fair Credit Reporting Act 15 USC 1681c-2 Please send me written confirmation within XXXX business days XX/XX/year> confirming that the fraudulent XXXX XXXX XXXXXXXX account and any related unauthorized inquiries have been fully removed from my credit report.
Product: Vehicle loan or lease

I bought my car in XX/XX/2023 with a high interest rate of over 25 %. Credit acceptance is getting sued for high interest rates. This rate is very high.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX, Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) -The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) -The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!