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

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by XXXX, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974.

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, XXXX is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, Equifax and XXXX and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from Equifax, XXXX and XXXX and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Product: Checking or savings account

On or around XX/XX/16 I funded my savings account w/ an online bank. They immediately denied me online access. I have called them repeatedly and finally told them to remit the balance to me and close the account. There were 17 calls in all over these last 7 weeks. 

I have been variously told the there was a restriction on the account and then the story changed to it being under review. 

They at one point claimed that they couldn't send a verification code to my phone. I asked to speak to the rep 's manager and was told that it could be sent through the Post Office. I received the letter, call it in and was told that they could send my money. 

Nothing happened. 

Initially I told them to send a paper check. Later when I called about it I was told that they couldn't do that, instead they would reverse the electronic transfer that funded the account. 

Again nothing happened. 

This is enough money to easily qualify as XXXX XXXX in the State of California.
Product: Checking or savings account

Since capital one has a lawsuit on Tuesday they have been holding my money I shouldve got paid Thursday and its Friday  they said they should have it fixed by today but dont I need my money for my bills I want to file a lawsuit on them because I have bills
Product: Debt collection

i look at my credit report and seen moneylion of XXXX XXXX  trying to collect an alleged and inaccurate debt of XXXX that i do not owe.and i have attached of the letter that i sent requiring the information.
Product: Debt collection

I requested, *Validation Of Debt *Purchase Agreement *My Wet Signature *Proof of Statue of Limitations *Complete Payment History *Proof of License to collect in my state *License Numbers
Product: Checking or savings account

I recently experienced fraudulent transactions on my ATM debit card As a result, I submitted a reimbursement request # XXXX. I am writing to appeal the decision to deny my reimbursement of the transactions below.My bank rejected the fraud reimbursement stating that I was likely responsible for the transactions. This is absolutely false as I have proof that I was nowhere near the locations of these withdrawals. 

Withdrawal Date : Withdrawal Amount : Location : XX/XX/2023 {$100.00} Non Citi ATM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 {$100.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$23.00} Non Citi ATM XXXX XXXX XXXX XXXX
Product: Debt collection

I have reached out to portfolio recovery associates to resolve an alleged debt. My demands were they delete and remove alleged debt from my consumer report, cease communication and pay the attached invoice of {$700.00} the invoice has yet to be paid. It was received on XX/XX/XXXX 8th
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX changed from XXXX XXXX  in XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXX of XXXX, they did not remover the payment until AFTER the due date. 

In XXXX of XXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXX of XXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX XXXX. They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXX XXXX or delete this item from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 collection accounts that incorrectly being reported. I request full validation of these accounts as I have not authorized any services from any of these companies. If full valifation can not be done, I demand all to be deleted immediately. 
Accounts : XXXX XXXX {$420.00} XXXX XXXX XXXX- {$330.00} XXXX XXXX- {$310.00} XXXX XXXX XXXX- {$730.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in XXXX and XXXX 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

Late payments on this account should have been reported XXXX current under 15 U.S.C. 1681s-2. A forbearance for the XXXX payment was entered into with XXXX, which put the payment at the end of the loanXXXX Other special accommodation was enters as well for a moved payment from XX/XX/XXXX to XXXX, as agreed on XX/XX/XXXX On XX/XX/XXXX, the XXXX signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the XXXX pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by XXXX who have requested accommodations during the covered period of the XXXX pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents XXXX outbreak national emergency proclamation.CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


I was current as of XX/XX/XXXX, all payments were caught up. The account was not in charge off status. 

All periods of lates fall under the accommodation period because the forbearance added a payment to the end of the loan. 

Further, multiple times the loan had an accommodations due to financial hardship from covid- I lost my entire business starting in XXXX of XXXX. 

There are 19 violations of late payments that disregard the CARES Act Reporting. 

I have tried in XX/XX/XXXX to have the credit bureaus and this company remove the late payments under the 15 U.S.C. 1681s cares Act updates to FCRA. I also tried in XX/XX/XXXX and XX/XX/XXXX. 

I have continued to be financially harmed by this negative account that is in direct violation of Federal Law CARES Act under Section 4021 of the CARES Act amends the FCRA Section 623 L15 U.S.C. 1681s-2
Product: Debt collection

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX 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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 8. The followng information is incorect XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 13. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Mortgage

I have a escrow account and my mortgage company did not pay my XXXX winter taxes and now they are over 6 months late
Product: Checking or savings account

On XX/XX/2018 i contacted Wells Fargo because I was unable to download transactions into my XXXX. per online forums there has been an issue with this since XX/XX/XXXX. it is not XX/XX/XXXX and the issue has not been resolved. 

I refer may clients to Wells Fargo and this is unprofessional on Wells Fargo end. they promise easy XXXX  navigation and are not doing as they promise in their advertisements. They have reached out indicating it has been corrected but it has not. Additinionally, when i call ( which i did on XX/XX/2018 ) they redirect me to XXXX ( owner of XXXX  company ). XXXX then indicates to me that it's a Wells Fargo issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute for Permanently Removing Accounts Dear XXXX ( and XXXX ), I, XXXX XXXX XXXX, am writing to dispute and request the permanent removal of the following accounts from my credit report, which are currently inaccurately reported and harming my credit score : XXXXXXXX XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). 

Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( d ) ) and Regulation V, 12 CFR Part 1022, Section 611, which prohibits the reporting of accounts that are not in dispute or past due, I request that you ( and XXXX ) verify the accuracy of these accounts and permanently remove them from my credit report within five ( 5 ) business days from the date of this letter, under the penalty of Section 616 of the FCRA ( 15 U.S.C. 1681n ), as failure to do so may result in liability for actual damages and statutory damages of not less than {$1000.00}. 

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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX contacted FNBO to inquire about increasing the limit on her XXXX account so she could pay the security deposit and first month rent on an apartment in XXXX, CA. FNBO advised her to contact XXXX since XXXX was new to FNBO and they did not know how to increase the limit. XXXX XXXX contacted a number she believed was XXXX customer support at ( XXXX ) XXXX but the number was a scam number online. Please see enclosure ( 1 ) the first outgoing call at XXXX is made to this fake number. When she contacted this number, she was told that someone used her bank account to purchase bitcoin. XXXX XXXX immediately called FNBO to verify the claim and FNBO informed her to work with XXXX to address the issue. See outgoing call at XXXX on enclosure ( 1 ). The fake XXXX number provided XXXX XXXX with a cancelation code to enter into a bitcoin ATM in XXXX, CA, and FNBO called XXXX XXXX and told her to enter dollar amounts in the ATM to cancel the transactions. See next call on Enclosure ( 1 ). Once XXXX XXXX entered the amounts with the cancelation code, she received a text message from ( XXXX ) XXXX indicating that the amounts entered were cancelled see enclosure ( 2 ). 

After receiving this text, XXXX XXXX called FNBO and learned that there were multiple pending transactions on her checking account. See last call on enclosure ( 1 ). Despite her request that FNBO cancel these unauthorized transactions, FNBO informed her to wait until they posted, placed a provisional credit on her account, and thereafter initiated an investigation. 

On XX/XX/2023, FNBO concluded that no error had occurred with regard to the transactions in dispute and reversed the provisional credits on her account. The letter stated I am not able to credit your account since the merchant you authorized to bill your account has provided the services or merchandise as requested. See enclosure ( 3 ). The only evidence FNBO used to resolve the dispute were bitcoin XXXX receipts for the transactions in dispute. See Enclosure ( 4 ). 

The four transactions from XXXX XXXX FNBO checking account were unauthorized. She was a victim of fraud and she filed an Identity Theft Report with the FTC and a complaint with CFPB regarding this matter. XXXX XXXX does not use bitcoin, and she did not receive any service or merchandise as a result of the fraud. Further, FNBO was involved in this matter. She initially called FNBO to raise her XXXX limit and was told to contact XXXX. Further, she contacted FNBO again to verify the claim that someone had used her checking account to buy bitcoin. FNBO again referred her back to XXXX. Additionally, FNBO called her and supplied her with numbers to enter into the bitcoin ATM. Given FNBOs role in this matter, it is unconscionable for FNBO to take the position that there was no error and to wash its hands of this matter and point to someone else.
Product: Credit reporting or other personal consumer reports

Lake Mich Credit U, on XX/XX/2023 placed a inquiry on my account that I didnt not authorize, I am here doing a report due to them not removing once I called and told them the inquiry was authorized Credit agency that reported it was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting identify theft and incorrect reporting for the past 5 years, and Experian refuses to properly investigate, inform me of their investigation and/or remove/block these accounts from my credit profile. Even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. Only Experian refuses to remove these accounts.
Product: Debt collection

XXXX was not a repeat complaint. This company continues to say they are doing things and they are not. They say they dispute the issue with the credit bureaus and they do not. Instead they reapply the open credit to my credit report. Please take this seriously as I am being treated terribly by this company and now the CFPB. Please read the whole complaint that the company is not following it's own resolution, but continuing with just applying it to my credit. I was never aware of the debt and they never disputed and now they are reapplying it to my credit with a new date.
Product: Mortgage

I applied for a Refi mortgage with Navy Federal Credit Union. The loan refi was denied. 
I wrote a XXXX page letter to NFCU describing the fiasco. I will attach the letter for your read. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian,  XXXX , and  XXXX  have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that Experian,  XXXX , and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from Experian,  XXXX  or  XXXX  trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from Experian,  XXXX  or   XXXX   regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. Experian,  XXXX , and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. Experian,  XXXX , and   XXXX    are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, un der Section 611 ( 5 ) ( A ) of  the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian,  XXXX , and  XXXX  have yet to verify. Also, Experian informed me that they were not going to reinvestigate this information again unless I send additional relevant information.