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

Formal Complaint Regarding Data Breach, XXXX and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It XXXX Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( XXXX  ) and the Department of Government Efficiency ( XXXX  ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, 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 : XXXX. XXXX 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. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. XXXX notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that XXXX have resulted from this breach.
Product: Credit card or prepaid card

I have two Walmart accounts : a MasterCard and store card. Both accounts are closed. I noticed several ACH debits from my XXXX XXXX XXXX accounts that did not match up with payments I had made on my credit accounts. I disputed the transactions with XXXX XXXX XXXXwho later said that Walmart MasterCard and store card verified I authorized the ACH debits. I was told my XXXX XXXX XXXX that once Walmart credit told them the ACHs were authorized that they cancelled the dispute. They instructed I call Walmart credit, which I did. The agent for Walmart credit said that XXXX  of the XXXX  I disputed were payments made to my account. They had no record of any account I owned being authorized by me for any credit account I own. However, the representative told me there was nothing else they could do other than have me file a claim for the XXXX dollars of ach debits taken from my bank account through their ACH debits and have those payments placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a letter to XXXX to have a bankruptcy removed from my credit report. In that letter to them I request an investigation into the matter and provide me with any and all documents bearing my signature for said public records on my credit report. I informed them if they were not able to do so the file under the public records of my credit report must be deleted immediately in accordance with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ). Equifax sent an email on XXXX XXXX XXXX in response to my dispute of the said information above. Stating the information in my public records was verified through XXXX and not the State or Federal Court from which they have stated under the public records. This is in violation of Federal Credit Reporting Act, Section 623 ( a ) ( 5 ). I am requesting your assistance in getting this resolved and have my credit report accurately reflect my credit records.
Product: Checking or savings account

So this is a transaction placed from XXXX for {$2500.00} that was not authorized. Ive been trying to work with a XXXX  to receive a refund because this was disputed, but for some reason Wells Fargo denied it I believe it was because they called me, but I missed the call and I believe it was because I didnt get them on time for more information. It was really inconvenient because I was obviously scammed. This was back in XXXX  of XXXX and disputed on XX/XX/year>, and I just find it very disappointing and inconvenient to the fact that I was not protected for a charge I did not do I would like a refund for this and if you guys can look into this I would really appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.
Product: Credit card or prepaid card

Near the end of year last year couple of my all my accounts where hack including emails due to me having the same password across all accounts so don't know what was first but lost thousands in crypto and charges where made on a couple of my credit cards where the indivuals where even ordering additional card holder under my accounts. The crypto money I completely lost due to it having no recourse but my chase business credit caught it an stopped the charges rifht away an call me to confirm thats when i became aware but the real issue is ihave a barclay XXXX credit card that had multiple unauthorized transactions charged on it from XX/XX/2021 to XX/XX/XXXX XXXXdue to the lack of security or due diligence on Barclay 's behalf they allow around XXXX in charge to be approved even though I only have a XXXX credit limit apparently they where making fake deposit or using a foreign bank account to make payments on my card while they kept charging an barclay didn't catch it until I called them asking them why they haven't blocked the card or even call me to confirm the criminals cause it's definitely more than 1 seem to be XXXX they sent around XXXX in XXXX payments to XXXX under two different names they also where able to order additional card holder cards an sent to other address " barclay didn't want to disclose address to me even tho it's my account I would of found them myself ''. Long story short they reversed all charges in XXXX and in XXXX or XXXX they reapplied all charges to my account due to there investigation being inconclusive since when they asked me about the physical credit card whereabouts I told them its still in my possession I had not lost my wallet nor any of my cards but somehow I was hacked or cloned I provided them with the police report filed listing all un authorized transactions for them to reinvestigate and again they said it's inconclusive an decision stand I asked for the investigation report as to how they made there determination an to what extend was this looked into an they denied to provide any information but want me to pay XXXX in unauthorized which are all individually stated in the police report this has become a huge financial burden cause now I'm making XXXX minimum payment until I get resolution and need further guidance or assistance as to what to do next to get this situation cleared up my other credit cards resolved the issue quickly internally but barclay was scammed the most an doesn't want to fix there mistake on lack of security
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopp silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 121.5K presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my client, XXXX XXXX, utilized the XXXX payment platform to transfer {$77.00} from his Bank of America account to my XXXX XXXX account as payment for services rendered. The provided information for the transaction was accurate. Although I have successfully received both before and after XXXX payments, I have yet to receive this specific payment. While the funds were deducted from my client 's account, they were not credited to mine. I have attached two screenshots containing my XXXX information and transaction details, including the XXXX Transaction number, which should facilitate tracing the transaction. I have contacted my XXXX XXXX regarding this matter, but they reported no transaction history or pending activity. Additionally, I contacted the Bank of America XXXX support line, but they were unhelpful and advised me to contact my bank, which I had already done. It is crucial that this matter is resolved as all previous XXXX transactions have been instantaneous. Failure to address this issue could lead to the perception that either Bank of America or XXXX has engaged in fraudulent activity. XXXX Confirmation # XXXX ;
Product: Consumer Loan

This loan was taken out in XXXX of 2015 from Rise Credit, in XXXX of 2015 I was given I/U ( individual unemployability ) from the VA. I called Rise Credit they said as long as I had some type of income this loan would continue. I have made XXXX payments on this loan and now I owe more than I originally took out. I have called XXXX times and given the same lie. That when the next payment came out my balance would be lower. That has n't happened yet. My payments are {$530.00} per month, my original loan was for {$2200.00}. I have paid back {$2600.00}. I believe that is enough of payments although per contract I still have XXXX payments left of {$530.00} which equals {$5300.00} and that is n't including what I have paid already. This loan is predatory and given my XXXX status should be dismissed. If the government can forgive my student loans for fighting for my country I should be able to get a loan where I am not being taken advantage of. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX   Account reference account XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have an international money transfer account through XXXX XXXX I have used their services for appropriately XXXX year for my currency exchanges for travels abroad. Upon my return to the XXXX in XXXX going forward to XXXX, I have been unable to convert my remaining XXXX  funds back to XXXX  I have contacted the company about this issue by phone and also via their " contact us '' form via their app, and they have not provided a solution to retrieve my funds nor have they responded to my query through the " contact us '' form. I have used their service for almost XXXX year converting and re-converting my funds and have only had this problem XXXX time. I have conducted an online search recently and have discovered that they are withholding funds from consumers. They have held my funds without reason and solution for appropriately XXXX  month. When I asked if why and who was responsible for this, the representatives say that it is Wise themselves and there is no reason. I told them that this is theft and they have stated that there is nothing they will do. I have phone recordings and I also have screenshots of my balance and the message received while trying to convert my funds to XXXX I have also threatened to close my account and can not even close my account because i have remaining funds which they are fraudulently possessing. I request that they refund my funds to my XXXX account and that my account is closed following this solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please
Product: Student loan

I've been attempting to pay off my student loan with Navient for some time now, and after a fight to scrape together enough money to pay it off. So I contact Navient and arrange to make my full payoff amount and have my account closed. Since I do not trust them I mail out the check. I'm not giving these crooks access to my bank account. I'm told on the phone as long as they receive the check within 7 business days, I wouldn't be charged interest and the payoff amount will remain the same. I also told that they will close my account when the check is cashed. Navient gets the check 2 business days later and cashes it that same day. 

I log back into my account a week later to confirm that my account is paid off and closed. Not only is my account still active its accruing interest and I now owe {$3.00} on a loan that has been paid off in full. 

So I call them and go ballistic. I've read online how Navient does this to borrowers and makes it impossible for people to pay off their student loans. Navient said that since its under {$5.00} they will waive the fee. 

I need confirmation that this fee is waived and my account is closed as paid in full. I do not trust them to honor their word, they are a horrid company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/2024, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-XXXX Equifax, and XXXX as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX XXXX from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint concerns my request for a refund of a credit balance on my Costco Anywhere Visa Business Card by Citi. 

On XX/XX/20, I used this card to make a purchase of {$3200.00} from XXXX XXXX. The charge appeared on my statement of XX/XX/20, and I paid the full amount of the new balance on XX/XX/20. On XX/XX/20, I returned the merchandise in question to XXXX XXXX, who immediately refunded {$3000.00} to my credit card. This resulted in a credit balance of {$2100.00} on XX/XX/20. Citi 's statement for the period ending XX/XX/20 showed the credit balance in this amount. It gave the " payment due date '' as XX/XX/20. The statement also included an " account message '' saying, " Your account has a credit balance that is owed to you.... You may request a refund by contacting our... phone number listed above. '' On XX/XX/20, I called the number provided and requested a refund of the {$3000.00} credit. I was told that Citi " could not '' refund the full amount of the credit, but only the amount of my " account balance. '' This they defined not as the credit balance of {$2100.00} shown on the statement as of XX/XX/20, but the credit balance as of the date of my call. This amount, {$1800.00}, included charges made after XX/XX/20, which would ordinarily not be due until XX/XX/20. After a very lengthy discussion with a supervisor, it was agreed that a refund check in the amount of {$2100.00} would be issued, but the check that eventually came was in the amount of {$1800.00}. 

The result of Citi 's withholding the full credit balance from me is that they received payment for all charges made through XX/XX/20 on XX/XX/20, a full month before it was due. On the same date they also received payment for all charges made from XX/XX/20 to XX/XX/20, two full months before it was due. 

Section 10 of Citi 's " Card Agreement '' provides that " A merchant refund to your Account will post to your Account as a credit.... We'll choose how to apply the credit to your existing Account balances. If a credit creates a credit balance on your Account, we'll mail you a check for the amount of the credit balance. '' As I interpret this provision, Citi properly posted the credit of {$3000.00} to my account on XX/XX/20. Applying this credit to the existing charges as of that date, they were obligated -- even without my request -- to mail me a check in the amount of the credit balance as of that date. They did not have any authority to delay the refund and apply it to balances or charges that did not come into existence until after XX/XX/20. 

I respectfully request your investigation into what I understand to be a misappropriation of my funds and a violation of Citis own agreement.
Product: Checking or savings account

Hi, On XX/XX/XXXX XXXX, my wife and I used a Bank of America ATM XXXX XXXX ) located at XXXX XXXX XXXX XXXX, CA and made a cash deposit of {$7000.00}. The ATM only recognized {$300.00} and ate the rest of the money. We were told to file a claim and it can take up to 45 business days for the final resolution. We were in the process of selling our car. The buyer gave me {$7000.00}. We were hoping that the ATM would process the bill before we can close the deal with the buyer. Because of this issue, we are now in a very awkward position. The buyer is pressing us to sign the title to complete the transaction. Meanwhile, we dont have the money in our pocket. We dont want to proceed until we get the final confirmation ( not a temporary credit ) that the $ XXXX is secured. 

By any chance, will you be able to help escalate the issue such that we can get the issue resolved by BofA asap? Waiting for 45 business days is too much for us. Your help is very much appreciated! 

Thanks, XXXX
Product: Debt collection

XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done. 

I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX  XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX  XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX  and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.
Product: Mortgage

On XXXX, XXXX and XXXX XXXX entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX for a home loan to purchase a 1997 Manufactured home. The loan was for $ {$130000.00} to be paid over XXXX. The XXXX 's did have a deferment at one point and had brought themselves current, though they have lost the check that verifies they made that payment, the payoff statement still shows them owing roughly $ XXXX  ( that includes the deferment amount owed ). There is only XXXX remaining on the loan and the payments are {$850.00} a month. They pay the monthly payment consistently now and have been and I have documents to show. The statements still show at XXXX interest payments higher than the principle payment. At this point in a mortgage payment schedule the principle should be being paid most of the monthly payment. We requested and amortization schedule to prove they owe the amount that Shell Point ( the company that is now servicing the loan ) but we did not receive. We received the payoff statement which I do not believe is correct. Upon reviewing documents, it appears the XXXX  may be being taken advantage of at this point. They have gotten no where with Shell Point, the Attorney General and have not found an attorney taking new clients. I have a payment history from Shell Point but need to see the amortization Schedule to be sure of the actual amount owed and have Shell Point provide a proper payoff or show how they are going to pay the remaining amount off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit I noticed some inaccurate reporting on another account at Experian LLC as follows : 1. ( account # XXXX ) name : XXXX XXXX XXXX 

Please provide the following documentations as follows : 1. Original contract baring my wet signature 2. Balance history 3. Credit insurance 4. Payment history 5. Payoff disclosure 6. Interest rate disclosure If you can't provide such documents please remove inaccurate account from my credit report.