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

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 regulation and 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FASA ) data, including financial aid history and loan information.

3. My IRS tax transcriptions were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C.s 1232g ; 34 CFR part 99 ), which grants me the right to control access to my educational records, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to formally request a form 1099 c cancellation of debt with account under my name that was charged off by XXXX XXXX sold to Lvnv in amount of XXXX dollars. IRS regulations section 6050p code creditors are required to issue form 1099c for debts ( XXXX ) dollars or more. Has been written off which constitutes a cancellation of debt. Please provide appropriate documentation it is essential for me to have form so I can report on my tax return.
Product: Prepaid card

I have tried to use the card XXXX. The first time at XXXX on XX/XX/year>, it was declined. The second time at XXXX was on XX/XX/year>, and it was declined there also. I checked the balance and the money is still loaded on the card, minus {$0.00}. the original balance was {$30.00}, now it's {$29.00}.
Product: Credit reporting

Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

In 2009, i went to school for XXXX XXXX  and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %. 
The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are XXXX XXXX act # XXXX stating the same amount of debt on file with XXXX  XXXX The collection from XXXX is one reporting imporperly as it should be XXXX XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..XXXX  is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for XXXX. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for XXXX to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX  account. 
XXXX Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/XXXX  Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice. 



wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is reporting inaccurate information to all three credit bureaus XXXX, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Product: Student loan

I had a student loan with a FirstMark Services and sent a check on XX/XX/XXXX to payoff my loan. FirstMark applied my payment on XX/XX/XXXX ending in a large credit balance of {$1600.00}. My payoff cheque sent was over the amount I owed. 
I called Firstmark for the second time since the payoff and was told that I will not receive the funds for another 3 weeks. The first time I called I was told I would have the funds by XX/XX/XXXX The refund amount {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed
Product: Debt collection

This is to inform you that there was no information has been received with our disputes. I am writing to express my concern regarding the lack of response to my previous disputes. I have submitted disputes to your bureau regarding inaccuracies on my credit report, and to date, I have not received any information or resolution. 
I previously submitted disputes on the following accounts : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
Despite my previous attempts to address these concerns and seek correction, I have not received any communication from your bureau acknowledging receipt of my disputes or providing information on the status of the investigations. As a consumer, I am entitled to timely and accurate responses under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

My Phones were stolen with ID card, XXXX XXXX XXXX XXXX XXXX XXXX, and Chase Bank Debit card. The person who stole made purchases with all my cardsXXXX XXXX XXXX XXXX  {$210.00}. I called the credit card company and they have returned the stolen funds. I called Chase bank and they only returned partial of the amount stolen. This person uses the ATM and takes out {$300.00} on XX/XX/year>XXXX XXXX XXXX XXXX 1 minute later takes out {$400.00}. then 2 minutes later takes out another {$300.00} all using my chase debit card which i never authorized. This person then goes and purchases multiple items from XXXX for the amount of XXXX dollars and pulls out {$100.00} cash back at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. Again, it is clear that this person was committing fraud with my bank card. Yet Chase Bank does not want to refund me the {$1000.00} total from the ATM withdraws but does refund me the XXXX transactions. Makes no sense since all of that was unauthorized. I have called Chase bank on XX/XX/XXXX to report the fraud. Called again on XX/XX/XXXX. They told me the claim of XXXX dollars of ATM withdraw was denied because I have no proof. I then told them I have Text alerts that show me that transactions were made at XXXX XXXX  Then they said oh, sorry we did not know you had proof. I then upload proof. And now I call them back and they said its denied and give me no explination. Please help me file a claim agains Chase bank for not properly investigating the issue and failing to return money stolen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is refusing to abide by the laws of the fair credit reporting act I have requested the account be blocked from all credit reports in accordance with 15usc1681c2 fcra 605b the information is fraudulent and I've sent proof that nothing was received on my behalf and XXXX refuses to remove this account from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Tried on multiple occasions to obtain report from trans union .

2. Online account compromised. Told expired. Requested I pay for account premium services 3. Not accurate reporting to bureau causing me not to qualify for life necessities that check credit 4. Called multiple times to various trans union numbers some times reaching onshore and offshore agents. Always requesting name bdate Ssn address and then every time call drops. Or no sound and then call drops 5.I was asked repeatedly to start new accounts I believe this is a form of fraud, retaliation or abuse. 
Please assist
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles and XX/XX/XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My original mortgage was bought by Freedom Mortgage Company. My mortgage with them started in XX/XX/XXXX. My original mortgage amount is {$1400.00}. I made the following payments : XXXX XXXX & XXXX, however, missed XXXX payment. In XX/XX/XXXX I made both XX/XX/XXXX and XX/XX/XXXX payments. Then I made my payments regularly in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX. I was always charged late payment fees of XXXX $ though most of my payments were made over the phone with the Freedom Mortgage Company either on the XXXX ( due date ) of the month or earlier, however, I still was charged XXXX $ late payment fee. The Freedom Mortgage Company did not credit my payments to my account with them and kept sending me letters of no payments and the last one was on XX/XX/XXXX showing high delinquency and outstanding amount of XXXX. I communicated in writing and over the phone with Freedom Mortgage Company and sent all bank statements showing that money was received by them. They kept giving me different scenarios of no sufficient funds in my account and wrong routing & bank account numbers. They raised my mortgage from the original amount of {$1400.00} to {$1800.00} claiming that there is a shortage in my escrow account. I sent them an XXXX sheet that shows all the payments as well as all the bank statements to prove the payment. On my online dashboard with them it shows that I made all the payment, however, they still claiming I did not make the payments. On XX/XX/XXXX, they sent me a letter confirming receiving the payments till XX/XX/XXXX. I made an XXXX payment as well. However, I received a call from them today XX/XX/XXXX confirming that I am delinquent for {$10000.00} and that I did not make my payments. I did not pay XXXX and XX/XX/XXXX. I requested to differ these payments as they suggested as well as XX/XX/XXXX payment, however, I was told today that they do not differ payments. They will rewrite my mortgage and interest rate will change based on my credit score. They were reporting me to the credit bureau since XX/XX/XXXX every month for no payment. This damaged my credit score completely and dropped me below 500. I have proof of all payments, letters, screenprints of my online dashboard with them to provide you to help investigate this matter. I need all my payments to be entered into their system. As compensation, I kindly require XXXX, XXXX & XX/XX/XXXX payments to be deferred to the end of my mortgage and send a letter to the credit bureau confirming that they reported me falsely. 

Note : They had {$520.00} and were put in an unallocated fund account as they called it. They applied this amount to my {$2500.00} In XXXX to cover both XXXX & XXXX Payments. 

Now I have {$1200.00} of the unallocated fund as you will see in the XXXX statement Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

XXXX did nothing when i reported fraudulent charges
Product: Debt collection

I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " CAVALRY PORTFOLIO SERV ( CITIBANK ) '' collection account on the XXXX credit bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account. See attached a screenshot of the account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX a negative impact has been reported on my credit report. I have contacted XXXX XXXX to dispute this account and have removed from my credit report however the response was that it was accurate. I am reaching out to whoever can help me investigate this account. As of XXXX of XXXX freedom debt relief took this account as an agreement with me to pay them a monthly fee to negotiate a payment plan with the account that is listed as a collection on my credit report, synchrony bank through portfolio recovery A. This is XXXX XXXX XXXX account since XX/XX/XXXX, this account has been negotiated and settled and payment plans agreed. It continues to show a negative mark on my credit report I am asking that it gets removed as a collection mark on my credit report. Can someone help me? I have went beyond my agreement with XXXX and they continue to drag out my account.