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

To Whom It May 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 U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( 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.
Product: Checking or savings account

I am victim of long economic offense in which i am not employed or getting wages after i left my XXXX position XX/XX/XXXX. At the time of leaving i had about 100000 dollars. I was forced to open a citigold account in XXXX while working as XXXX employee in XXXX although i had a XXXX account in XXXX. I was harassed to leave the company. I had a marital breakdown and i appeased it by a short term relation that was broken XX/XX/XXXX. I had to leave the company because of stress back injury and not being able to be in a relation. I am currently trying to reunite with my wife XXXX but i have no contact with her, my mother is injured and killed i am injured, right now i am in XXXX with just XXXX and i would have to pay XXXX for this internet session and my sandals is broken. A community of thieves is exploiting me as an organisation taking money using me and my XXXX value and using my corporate accounts and offering me services and i had to generate cash begging now. I had owned XXXX XXXX XXXX  account that had unique XXXX value but i had no income and lost money to spammers and attacked many times and injured in XXXX detentions and allopathy class XXXX hospitals. I have a XXXX in which i listed XXXX account number XXXX but i have no income.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : XXXX. Account Name : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX XXXX. Account Name : XXXX Date Listed : XX/XX/XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation regarding the accuracy of these negative items.
Product: Credit card or prepaid card

My card was used without my knowledge or consent with my Citi Bank account credit card account. The agent in the fraud department called me yesterday to discuss the charges on my card at XXXX XXXX XXXX. We were supposed to be on a conference call together, but the agent at Citi Bank put me on hold for about 20 min. and spoke to the agent at XXXX XXXX XXXX so I couldn't hear what was being said. He had instructed him to say that I had some furniture delivered to my home, so he wouldn't have to cover the fraudulent charges that were made at XXXX XXXX XXXX. I filed a police report because my card was used without my knowledge or consent, and I submitted it to Citi Bank in there fraud department. There have the documentation in hand. The agent is trying to get out of covering the fraudulent charges that were made on my Citi Bank credit card.
Product: Checking or savings account

Bank of Americas app remains down for most of the day on Friday, XX/XX/XXXX, leaving customers unable to access their funds. I am unable to transfer my own money between accounts, make online payments or view my balance. Its unacceptable!
Product: Mortgage

On or about XXXX XXXX, 2017 I called Quicken Loans in response to an advertisement for HARP refinancing. The loan agent, XXXX XXXX, looked up my eligibility for HARP refinancing and was unable to locate my loan on either FHA loan sites. He tried to convince me to refinance, but I am self-employed an have less than a year of income history so know I would be unable to get approved for a loan. XXXX requested the ability to do a soft inquiry of my credit to see if there was something he could do. I was extremely reluctant, knowing that a ) I was n't going to qualify because of my self-employed status and b ) I did not want negative impact on my credit report. He assured me it would have no impact on my report. 

On or about XXXX XXXX, I received a complete loan application from quicken loans via US Mail. I was shocked, since I was 100 % clear that I had no intention of applying for a loan. I disposed of the application appropriately. I received several phone calls from Quicken that day and made it clear that I never had any intention of proceeding with a loan, asked them to stop contacting me. 

On XXXX XXXX, I received email from Quicken advising me that they are unable to go forward with the loan " because of adverse credit '', and promoting their credit counseling services. After looking up my credit reporting information, I discovered that they did a hard inquiry without my permission on XXXX XXXX. 

I am requesting that : A. The hard credit inquiry initiated by Quicken Loans on XXXX XXXX was done without my permission and I want it removed from all credit reporting agencies records. 
B. I want to be assured that a credit rejection does not appear in my records because I never gave Quicken Loans my approval to proceed with a mortgage refinancing process. 

Thank You, XXXX XXXX
Product: Checking or savings account

Good afternoon Capital One, I applied for the XXXX loan and was award in XXXX and XXXX. I called my bank before receiving the bank to see if it would be affect by the loan. He advice a business acct because i don't have a branch bank in my area. Everything was fine, I did payroll transfer and they tell me to call. They said they were doing an investigation. I send in tax returns, and docs showing my business was registered with the state of Georgia. I never received a response bank, i called a lady and she said they had a third party and they said that my biasness did not deserve the loan. This has been going on for a whole year. The loan went into default and that I will be penalized. I will not be able to file for any type of government assistance. I hired a lawyer and they have not respond to my lawyer. They don't know what is going on. 

***As I have reached out to XXXX XXXX XXXX to inquire about my XXXX that was awarded to my business that is a sole proprietor that I established in XXXX and turned into the a XXXX after revenue increased in XX/XX/XXXX. I did file taxes for my XXXX XXXX business in XXXX and XXXX so I don't know where your records are coming from as I stated before all business docs ( bank statements and tax records and contracts ) was sent and reviewed by lender which is XXXX XXXX  and XXXX and everything was approved by them that why I, XXXX XXXX signed a promissory note that was also signed and agreed by XXXX XXXX and XXXX. As I stated before this has been a long stressful year dealing with you guys especially being that Capital One is not my lender I have reached out to everyone to FDIC, OCC, XXXX  XXXX XXXX and XXXX and as well as XXXX XXXX. There was no fraud found on either of my business and have not been any communication sent to the lender nor XXXX on my loan being fraud. XXXX XXXX does not do XXXX XXXX Letters and did not received an communications with the XXXX weeks timeframe on the disbursement of my XXXX that was sent out as a sole proprietor. I need the funds to released for XXXX from XXXX XXXX.
Product: Checking or savings account

In XX/XX/2018, I opened an account with MB Financial. At the time, MB was offering a {$250.00} bonus that would be available after 90 days. At this point, the 90 days has surpassed and the funds have not been dispersed. When speaking with one of the relationship bankers, I was informed last month that I was on an approved list. However, the approval amount was only for {$150.00} which is not what I was originally told. After several visits to the bank branch it was explained to me that someone would look into this and then follow up with a phone call. I have yet to receive a call from the bank branch regarding this situation.
Product: Debt collection

Cable bill was obtained fraudulent do n't live at address never have I 've sent FTC affidavit with cpd report with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX XXXX XXXX XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts, listed below, were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for nearly a year now and I thought yall was here to protect me from companies like this and there practices!!!! I had 2 accounts with this company and have had them for years, all of a sudden XXXX of 2021 one of the accounts stop reporting to the credit bureaus causing my score to decline drastically, I know yall gon na say Ill filed this report against them already but now they have went a step further and the accounts are not sho at all on my reports as if I never had an account with them at all!!!! I asked for a few late pa to be removed and the entire accounts have been removed!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Product: Checking or savings account

XX/XX/XXXX my debit card was closed, my online banking was disabled, I called customer service said to call the next day. on XX/XX/XXXX I called the fraud department and they said they would call me back. I did not get any notification that my accounts would be restricted. I was trying to get food on my lunch and I don't have access to my accounts. this is unprofeccional, I have 4 mortgage payments due, my direct deposit from work arrives and I don't have any founds just my credit card. I need this to be resolved and I need someone to give me a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 719tXXXX 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Portfolio Recovery collection service calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour.

In fact, I just got that call back typing this ...

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by XXXX and Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Product: Student loan

Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from Weltman , Weinberg & Reis taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with WW & R they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.