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

An accordance with the fair credit reporting act. ( XXXX XXXX XXXX ) ( Acct # XXXX ) and Experian are in violation of my rights. The Fair credit reporting act. code 15usc1681 section 602a states I have the right to privacy. The fair credit reporting act. states any information on my credit report or credit file should remain private. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish any information about the consumer without written instructions from the consumer and the consumer consent. Even if they telling me the information is verified, I did not give any XXXX consent to furnish my consumer info on my credit report or credit file. 
I also contacted Experian and XXXX XXXX XXXX on XX/XX/year> asking them for documents containing my signature and showing that I gave them consent to furnish any consumer information about me on my credit file or report. I spoke with an XXXX ( Agent ) and his ( Supervisor ) XXXX from Experian. Neither customer rep. gave me there id number or last name. I was told by XXXX XXXX  and then XXXX after ask to speak to a supervisor that Experian were not in violation of my rights and that the information was accurate. I was then told experian does not send proof of the verification or the original contract. I also stated that they must remove this from my credit report and credit file if they can not fulfill my request. I asked for the original contract and any documents that had my signature of consent for them to furnish this information on my credit report. I also ask for documentation containing my signature and the original contract with the date of when I applied for the General car insurance. Once again I was told that they dont need to send me documentation. The information is affecting my credit score and credit file causing me to get denied business and personal lines of credit.
Product: Mortgage

Freedom Mortgage sent a property tax check of $ 1800+ to the county on XX/XX/XXXX. The loan was refinanced the same day and the check from the refinance was used by the county instead. The county quickly sent the Freedom Mortgage check back so a refund could be issued to me. I have been diligently calling Freedom Mortgage to get updates and in late XXXX, they told me the refund check would be sent on XX/XX/XXXX. However, it is now XX/XX/XXXX and the check has still not been received and now they are saying it will be another 10 business days before check is sent out, almost the exact same thing they said in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I notified Equifax that there are unauthorized and unverifiable information being reported to my consumer report, Pursuant

to 15 USC 1681 ( a ) ( 3 ) I have to give Equifax written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon pursuant to 15 USC 1681 ( a ) ( 4 ). In light of the recent investigations brought upon Equi
fax Ive found that my consumer file has been tampered with. Equifax have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. The XXXX  data breach has affected me as well as, the recent revelation that Equifax has damaged millions of consumer reports by sending erroneous scores. Equifax is continuous reporting unverified accounts on my consumer report. For the past 2 year I have made several attempts to remind Equifax of their duty to uphold the law pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Equifax Certified documents under the penalties of perjury to support my claims. Equifax has committed upon my basic consumer rights. Equifax is continuing to ruin my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). Credit Reporting is voluntary and always has been according to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the Department of Education and any associated entities regarding apparent violations of my statutory privacy rights pertaining to my federal student loan records and information. 
Under the Family Educational Rights and Privacy Act ( FERPA ) enacted in 1974, my student loan details and records maintained by the Department of Education are classified as protected education records ( 20 USC 1232g ( b ) ). As such, there are strict confidentiality requirements for handling this sensitive data. 
However, I have good reason to believe that my private student loan information has been mishandled, improperly disclosed or inaccurately reported without maintaining necessary confidentiality safeguards. This raises concerns about potential non-compliance with FERPA 's privacy mandates.

Moreover, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) emphasizes the need for consumer reporting agencies to uphold accuracy, fairness and respect consumer privacy rights when dealing with consumer information. Specifically, section 1681 ( a ) ( 4 ) calls for " fairness, impartiality and respect for the consumer 's right to privacy. '' Given that my student loan data should be treated as a private education record under FERPA, any mishandling or improper disclosure of this information would constitute a violation of both FERPA and the Fair Credit Reporting Act 's stated purpose of ensuring proper utilization of consumer data with confidentiality ( 1681 ( b ) ).

I urge the CFPB to investigate this issue and take appropriate regulatory action against the Department of Education and/or any other entities potentially responsible for compromising the privacy and confidentiality of my protected student loan records. Safeguarding student privacy must be a paramount concern. 
Please respond with updates on how you plan to address and rectify this alleged violation of my federally-protected student privacy rights. Accountability and remediation are expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed that are not related to any transactions done by me. This was a result of malpractice or an error.
Product: Mortgage

I was the seller in a transaction that closed on XXXX XXXX. I am concerned that I paid a principal reduction for my buyers of {$1900.00}. Is this acceptable to put in the closing cost for the seller to pay. My contract states " Seller will contribute 3 % to Buyers Lender 's Fees and/or Buyer 's Title and Escrow Fees excluding cost which Seller must pay pursuant to loan program requirements. '' It does not seem right to pay a principal reduction for the buyer. This is not a lender for or a Title Fee. Thank you for your time. 

I am wondering if there is something to protect the sellers when it comes to these types of situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit decision was based, " in whole or in part '' on a lie.
Product: Student loan

My Consolidated student loans of {$40000.00} were transferred to XXXX XXXX/Navient in XXXX. The interest charges added ballooned my loan up to {$65000.00}. I could never get resolution from Navient about why {$25000.00} in charges were added to my account. I 've requested several repayment option over the last 3 years and I 've never received a satisfactory loan agreement. I need assistance
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. 

Account name : XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Debt collection

The company put negative remarks on all credit reports for a collection account I do not owe for home owners insurance for a property at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I never purchased or rented this home. 

I was never aware this was on my credit report for 3 months until I just checked my credit report. 

I found out it was XXXX XXXX XXXX XXXX that hired Credit Collections Services XXXX XXXX XXXX, XXXX, MA XXXX XXXX to collect this debt of {$300.00}. acct number XXXX Claim # XXXX Again I never received paperwork prior to me checking my report. 
I did contact XXXX XXXX and they said they have no file and would not send me paperwork except a form that says account closed in XXXX of XXXX. 
Again I lived in Arizona until XX/XX/year> and had insurance with XXXX XXXX XXXX  for the only home I owned. I did not own a home in Colorado. Please help me resolve this to the point I do not owe this and off all credit reports.
Product: Credit card

Subject : Dispute Denied for Non-Delivered Product Merchant-Instructed Return Ignored Company : Citibank Product Type : Credit card or prepaid card Issue : Charged for a product or service I didnt receive Details : I am disputing a charge for an item I never received and was explicitly instructed to return by the customer service team of the merchant ( XXXX, a Wayfair  brand ). 
I placed the order of {$420.00} on XX/XX/year> ( see Attachment # XXXX ) because the estimated delivery date was XXXX, XX/XX/year> ( Attachment # XXXX ). 
I needed the item for a photo shoot on XXXX, XX/XX/year> for my real estate listing. If the item did not appear in the listing photos, there was no point in keeping it in the house for showings. 
When the item failed to arrive on XXXX, I contacted XXXX customer service. They informed me the delivery had been delayed until XXXX. 
I told them that would be too late and that I wanted to cancel the order. The agent explained they couldnt cancel over the weekend but instructed me to refuse the package upon delivery so it would be returned to sender. 
I never saw the XXXX driver in person, but tracking information later showed the item had been returned. I assume this was due to the merchant contacting XXXX. I never received or accepted the item. 
Despite this, I received an email stating I would be partially refunded $ XXXX I never received that refundand over {$67.00} in shipping fees were withheld ( Attachment # XXXX ). 
I contacted XXXX again. A supervisor initially offered to refund half of the shipping cost but never followed through. Later, another representative claimed estimated delivery dates arent guaranteed. I believe this misleads customers during the purchase process. 
I then disputed the charge with Citibank. After receiving a temporary credit, I was issued a letter ( Attachment # XXXX ) stating that because the merchant denied responsibility, I would have to seek reimbursement elsewhere. At the same time, Citibank reverse the temporary credit of {$420.00}. 
This is completely illogical. Both Citibank and XXXX confirmed that the product was returnedyet I was still charged, fully! 
I called Citibank again on XX/XX/year>, and spent over an hour on the phone. The customer service asked me to look for other ways to claim. 

As a Citibank customer for decades, I am extremely disappointed that my credit card failed to protect me in this situationespecially when your own investigation showed I was charged for a product I never received. 

I believe this violates the protections provided by the Fair Credit Billing Act, which ensures consumers are not held financially responsible for undelivered goods. I respectfully request a full investigation and a permanent reversal of the shipping charge.

Attachments : # 1 : Original Order Confirmation # 2 : Original Estimated Delivery Date of XX/XX/year> # XXXX : Citibank Dispute Denial Letter
Product: Mortgage

On XX/XX/XXXX, my home was damaged. My homeowner 's insurance company. XXXX XXXX XXXX sent an adjuster to look at the damages. I had wind damage to my roof and mold damage to several walls and baseboards. On XX/XX/XXXX, XXXX XXXX sent me a preliminary settlement for the damages of {$44000.00}. The check was made out to me and my wife and also HomePoint Financial ' At the point, I called HomePoint to see how to handle the check. They sent me written instructions on how to endorse and send the check to them along with the various accompanying documents they required. They acknowledge receipt on XX/XX/XXXX In addition, the XXXX XXXX adjuster sent his report on the damage and the cost to repair to it on XXXX XXXX. It even included a contractors estimate and agreement to do the work. Initially, HomePoint told me they would send me a check for the repairs but withhold ten percent the amount until their inspector approved the work. I never received the check nor heard from HomePoint again. I have called them several times and each time they had an excuse for not sending the check. Finally, on XX/XX/XXXX they told me that they did not like the adjustors report, so they were putting the check in escrow. They offered no remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal compliant that PHH Mortgage XXXX has failed to report information to my credit profile and maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and report, through the physical verification of the original signed consumer contract, I demand to see on my credit profile payments made to PHH Mortgage Service, loan number XXXX,,. Phone number XXXX XXXX XXXX XXXX. 

Your failure to report this account has hurt my credit ability to obtain credit.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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

I requested a copy of my consumer file from Global Payments and the company refuses to provide it unless I can specify which of their Product Services that I believe contains my personal information and the Merchant or Customer ID. 

Global Payments works with many merchants and provides many services. I have no way of knowing where my personal consumer information is held under their many services and merchants. 

Unless I can provide the exact service and merchant the company is refusing to provide me a copy of my consumer report. This is a violation of the Fair Credit Reporting Act. 

Global Payments Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX https : //www.globalpaymentsinc.com/en-us/privacy-statement
Product: Credit card or prepaid card

On XX/XX/XXXX I received yet another marketing email from Bank of America ( BofA ) for the BofA app. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I documented numerous attempts prior to XXXX/XXXX/XXXX to have BofA stop sending me marketing email, specifically marketing email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XX/XX/XXXX, Please allow up to 48 business hours for the changes to be fully effective. In addition, please be advised we have recorded your request again to no longer receive solicitations from Bank of America. After their response to me on XX/XX/XXXX, I received another marketing email from BofA about the BofA app. On XX/XX/XXXX, I filed another complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I pointed out that BofA did not honor their commitment to me as stated in their response to me on XX/XX/XXXX - the commitment to discontinue sending me email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, While our enclosed previous response confirmed that the Do Not Email privacy choice was previously captured twice, a third Do Not Email privacy choice request was captured on XX/XX/XXXX. All privacy choices are honored within 30 days, with the exception of Do Not Mail requests which could take up to 12 weeks. In their previous responses to me, BofA considers the endless marketing of the BofA app as being part of my account ( and part of my account agreement with them ), and thus not marketing. However, as BofA well knows, the BofA app merely functions as an add on product and/or service. A product/service that BofA is well aware I dont need and dont want. Yet the BofA app continues to be aggressively marketed to my XXXX inbox. BofA has shown, time and again, they will continue to not honor my preferences, and not honor their commitment to me. This is exclusive to BofA. No other bank I do business with has ever done this or currently does this.
Product: Mortgage

Wells fargo charge me XXXX XXXX dollars for XXXX notification
Product: Debt collection

I was alerted by XXXX the Midland Funding LLC had made an unauthorized hard inquiry on my report. Midland was removed from my report in XXXX. I called XXXX on XX/XX/XXXX at XXXX. I wastold they did not do the inquiry and that i need to have XXXX remove it. XXXX said Midland isnt being honest because they did initiate the hard inquiry. I recorded the call proving they said it wasnt them so i would like this inquiry deleted ASAP. This company is well known for there poor business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX issuer of my Credit Card serviced by the XXXX XXXX, ignored my multiple demands to review the details enumerated in my communications and fix their erroneous misinofrmation.
Product: Checking or savings account

BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage loan but on the merged credit report, it is not getting the correct information for Equifax. XXXX and XXXX both have my SSN and correct information, but Equifax has my brother 's information in the report. I have tried to file a dispute through Equifax ( XXXX ) but my MyEquifax account is not able to be accessed and I have not been able to get Equifax support 's help with it completely. When I try to verify my information with Equifax 's automated system, it asks questions about credit that is not relevant to me. When I try to get another merged credit report with XXXX, it won't allow me to set up the XXXX account either because it asks security questions that belong to my brother 's credit. I believe there is some kind of mix up deep in my Equifax file because I am having various issues relating to their information and services.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Debt collection

Ncb management service a debt collector trying to collect a debt that I don’t recognize, a wrong balance they have it as an open account reporting it every month with a balance . They are violating my rights and damaging my credit score is costing me money . I demand to delete it of my XXXX  credit report and any other credit agency!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the Department of Government Efficiency otherwise called DOGE illegally was given access to my personal information by the Department of Education. I ask the CFPB to investigate this matter with the credit reporting agencies and the student loan servicing provider XXXX for illegally misusing my personal data.