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

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 XXXXXXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX ( 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 ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), 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. 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. 
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. Immediate notification to all major credit bureaus ( XXXX, 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 XXXX  and concern regarding the security of my personal and financial data. If my demands are not met within XXXX  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: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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. Has Violated my rights. 

XXXX XXXX / XXXX XXXX / Account Number # XXXX XXXX XXXX / XXXX XXXX Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I am devastated and frustrated after not able to come to a work out plan with Ocwen that will be affordable. Due to circumstances beyond my control .I had entered in to permanent loan modification in XXXX with an un paid balance of {$560000.00} This modification included a graduated interest rate and payment based on a schedule with an escrow account every month in the amount of {$1400.00}. Payments were interest only with a balloon payment at the end of 30 years..I was laid off from my job in XXXX of XXXX and shortly after I became ill and XXXX was necessary. That kept me out of work for several month. I began to default on my mortgage in XXXX. The adjusted payments became tough on us. I reached out to Ocwen for help to no success. I have provided documents requested and all they have done is pros pone and pros pone reviews to the e point that this delayed has increased the note to {$700000.00} thousand dollars. I want to keep my home. We have XXXX children to provide shelter for. Please hear me out. Refinancing as this point is not an option for I have done an appraisal and my home is worth less than what we owe. 
There are a lot of issues regarding my note which includes TILA issues.. 
I had no other choice than to request a Mortgage Fraud Investigator to complete a review of my mortgage.. 
All I really want is to keep my home for my children .Please I am really looking for an affordable mortgage.. Hope you can help me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry on my credit report regarding my XXXX  XXXX XXXX account XXXX. The late payment is inaccurately reported, and I request its removal from my credit report. 

Account Details : Account Number : XXXX Account Type : Revolving account Account Status : Open Date Opened : XX/XX/XXXX Balance : {$0.00} Credit Limit : {$500.00} Issue : The late payment entry reported for the month of XXXX, XXXX inaccurately reflects my payment history. According to my records and the account history provided, I have consistently maintained timely payments for this account. There is no record of a missed or late payment for the period in question. 

Requested Action : I respectfully request to conduct a thorough investigation into this matter and promptly remove the inaccurate late payment entry from my credit report. This incorrect information is negatively impacting my credit score and financial standing, and its removal is crucial for an accurate representation of my creditworthiness. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I requested that this late payment be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft someone has fraud accounts in my name. I do not know if i was involved in a data breach were my personal info was compromised.
Product: Payday loan, title loan, or personal loan

We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudulent accounts listed on my credit report, which are : XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/2021 ), XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/2021 ). I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion, XXXX, and XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove these fraudulent items immediately and if it is not removed, then I will be filing a lawsuit against TransUnion, XXXX, and XXXX for not removing this fraudulent items from my credit report. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Bank account or service

The business I am complaining about is JPMorgan Chase XXXX Bank. The branch I use is at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My husband and I have been long standing customers of this bank. We have our Social Security deposited into it. We have a checking account there which carries a fairly good balance. 
On Tues. XXXX XXXX 2016 we wrote a check to someone for {$60.00}. We told her she could just go to the corner and cash it as that was our bank. When she tried to cash it they wanted to charge her {$8.00}. to cash it as she did not have an account there. As their customer I feel I should be able to give XXXX of my checks to whomever I please and they should be able to go to my bank and cash it without a hassle. It is my money and I pay to use their checking account and my checks should be cashable by anyone they are written to at my bank because that is where my money is. They are inconveniencing me their customer by not honoring my check without some outrageous charge. That charge just comes back to me so then I no longer have the privilege of using that account to pay for something without an additional charge. 
I want the bank to cash my checks for anyone I write them to. If the person I write a check to wants cash they should be able to get it without an extra charge as I am the bank 's customer. 
If they can not do business in a honorable way I will have to move my business elsewhere and become very verbal about their tacky business practice. This is an outrageous policy and needs to be dropped. It certainly does not give any service to their customers.
Product: Debt collection

XXXX XXXX supposedly has a debt that I owe but I can't confirm this information. I do not recall owing XXXX XXXX anything. Jefferson Capital Systems added a collection to my credit report without providing written verification that I owe the debt as requested. At the current time this account is currently damaging my credit report and has not been validated. My next step with Jefferson Capital is an intent to litigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}
Product: Credit card or prepaid card

I was researching credit cards online and decided that Citi Double Cash MasterCard,  was the best one for me. I found a promotion on their website that offered me {$150.00} cashback if I spent {$500.00} on the card within the first 3 months. I applied, and when I was approved there was no mention of this promotion being attached to my account. Before spending any money on the card I called in asking about the promotion. They told me it wasn't attached to my account. So I got of the phone, found the link that I had applied through, and sent if to Citi bank over chat. They told me to call in. I called in and the supervisor said I had to print off the offer and send it to them through regular mail. I did that, waited a few weeks and called back in, and they still say I can't get the promotion. This promotion is still currently live on their website. One of the disclaimers is that you can't get it if you have ever had a Citi card in the last 2 years. I've never had this or any Citi card ever in my life. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Upgrade cards, I have 2 cards, Although I opted out of automated bank drafts, upgrade continues to take automatic withdrawals from my account thrusting my account into overdrawn status and thus charging me an overdraft fee. When I went into my account to see if the Auto-Draw was canceled, Upgrade removed that option from my account.They as well as XXXX XXXX XXXX card, are doing the same unauthorized withdrawals causing my Mortgage payments NOT to clear thus resulting in more fees. I attempted to change my due dates with both cards, and that option was removed from my accounts as well, they just take and take, without my knowledge. Causing an avalanche of overdraft fees and late payments. I Contacted my bank, they tell me there is nothing they can do, and to settle it with the credit card companies. These withdrawals are NOT APPROVED and are causing a financial hardship on me and my family, I simply can not pay my mortgage with these ongoing unauthorized withdrawals in the amount of whatever they see fit, I feel this is bordering on criminal conspiracy between credit cards and consumers.I wrote to the Attorney General who referred me to you. Please help as now I'm Drowning in debt due to these illegal practices.
Product: Money transfer, virtual currency, or money service

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

Wells Fargo dropped my flood insurance without my consent or knowledge. It was held in escrow and paid by them each year. I made a claim in XX/XX/XXXX and was told it had been dropped because I had been rezoned and it was no longer required by the lender. I told them I had never been in a flood zone, it had always been optional, and I absolutely could not afford my home without the assurance of flood insurance. They said they would let me skip payments for three months and the notes would be rolled into the loan and that would help me pay for repairs. XXXX came I received a phone call while at school teaching and they said I owed 4 payments by the next day or the payments I was allowed to skip would be considered late and reflected as such on my credit report! Over XXXX dollars. I left school and went to my bank and borrowed the money. The next morning I called to make a payment and was told the loan would have to be modified to put the notes in the loan total so I would only owe XXXX 's payment. I told them I had borrowed the money and wanted to pay the balance owed. They said it was already in a modification status and that wasn't an option. Over the course of the next year- through XXXX of XXXX I paid my mortgage through a third party collector while the loan was in modification. I was told my flood insurance had been reinstated and I was put on a 40 year loan. I ultimately got sick, then I had a wreck in XXXX on my way to work from not being able to sleep at night as I was XXXX years old and my life savings was rolled into this now modified mortgage. I was hospitalized for XXXX days in XX/XX/XXXX for XXXX of a XXXX XXXX I am certain pertaining to the stress involved with having a mortgage through wells fargo and the debt incurred from repairing my property with no insurance and wasn't even referred to FEMA. In XX/XX/XXXX XXXX came and I had over 18 '' of water and the force of XXXX XXXX rocking waves into my home for 5 days. I called to make a claim and was told I had NO FLOOD INSURANCE. I just found my original closing papers from XXXX and I in fact never was in a flood zone, and I was never rezoned, in all these years my zoning had never changed! I had to retire in XX/XX/XXXX after 45 years of XXXX. I have not received a penny in flood insurance money, no compensation from Wells Fargo, and no help from the worst insurance company in America- XXXX XXXX . I have spent the small lump sum I took out when I retired, making my retirement half of what I was expecting, incurred XXXX in debt, in addition to continuing to pay a mortgage for a house that is not yet inhabitable due to the damage from XXXX. After 45 years of XXXX I am now in worse financial shape than I have even been, and no career with income ahead. WF has destroyed everything but my health, yet I don't know how long I can stay healthy under the stress and XXXX that this has caused. No way to explain. I know WF does not care. I don't know why I am taking the time to type this. It is very painful.
Product: Mortgage

In XX/XX/2023, I have paid off enough principal to reach LTV below 80 %. As per my mortgage contract, I have requested Loancare , LLC via phone call to remove my PMI. They rejected my request after 2 weeks via formal notice. I called them and asked them why it was rejected and they said that it is at 79.96 % and the system can only take it when it goes below 79.9 %. So, Ive paid little more to go below that requested again. They rejected it again after two weeks. This has been repeating from last 3-4 months. I am currently at 78.3 % LTV and they are still rejecting my request.
Product: Debt collection

I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a XXXX XXXX. for {$1500.00} ( with Suttell & Hammer, P.S. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from XXXX XXXX XXXX or Suttell & Hammer until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called Suttell & Hammer and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. 
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, XXXX XXXX XXXX an article came up indicating your organization filed a Consent Order against XXXX XXXX and it's subsidaries ( including XXXX XXXX XXXX ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from XXXX XXXX back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX State that indicates I was notified at my rental property in XXXX State. 
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.
Product: Credit reporting or other personal consumer reports

I have been reporting since XXXX that XXXX XXXX account status is inaccurate and is a violation of the Fair Credit Reporting Act. After several disputes, calls made to Equifax and letters written to XXXX XXXX to force Equifax to update and change the Account Status from CLOSED to OPEN, Equifax still refuses to update and or correct the account status.
Product: Debt collection

XXXX. Over the past XXXX years, I have notified American Express numerous times, through both phone communications and U.S. Mail, that the debt they are attempting to collect is a result of identity theft. I have diligently provided evidence and documentation to support my claims, yet American Express has consistently refused to acknowledge my claims. 

XXXX. Despite my repeated notifications and the clear evidence of identity theft, American Express has persisted in reporting these fraudulent accounts on my credit reports, causing significant harm to my credit history and financial well-being. 

XXXX. American Express 's refusal to acknowledge my claims and their continued attempts to collect on this fraudulent debt are in direct violation of consumer protection laws and have caused undue stress and financial hardship.