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

Per this act no students transaction history or records of any kind should not be reported without the consent of the student. 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Parents or eligible students have the right to inspect and review the student 's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies.

Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a XXXX bulletin, student handbook, or newspaper article ) is left to the discretion of each school.
Product: Debt collection

XXXX university is sticking me with a tuition bill for classes the university administratively withdrew me from. This is a scam and a way to get money. 
I began a XXXX with XXXX Uni on XXXX XXXX, 2015. I was shocked to receive an email from the Financial Aid office stating that they will be sending some of my aid back to the US Dept of Ed because I had not been participating in class enough. I was then informed that the university was Administratively withdrawing me from the class. I immediately balked at this assertion. I also asked how the university even knew about my online activity for my class and asked if " big brother '' was watching my clicks and logins. I also argued that the university had no right to take my financial aid and then withdraw me from class. Once the financial aid was sent back to US ED, XXXX stuck me with the bill for the class they had already withdrawn me from. It was the university ( Not me ) who initiated and completed the administrative withdrawal. It clear that they XXXX is using shady practices to commit fraud and get money out of unsuspecting Americans. They know that once they send financial aid back to the US ED, a tuition bill will result. Additionally, how can I be expecte to complete a course that I am withdrawn from? I asked if they were concerned about my clicked and logins to the online class, why didnt someone contact me to see what they issue was BEFORE initiating any adverse action. The university has all of my contact info, name, SSN, address, email, etc and could have easily contacted me about any attendance concerns. Instead, they hastily withdrew me from class without any regard to me as a student. I asked why wasnt I contacted and was told by a staffer that " no one has to contact you, it 's not a requirement. '' I was dumbfounded by that statement. It is clear that this " university '' has very shady business practices and is only concerned with getting money from students ; not in actually ensuring that students get a good college education or even graduate. They are, after all, a " For profit university '' ( emphasis added )! The university has not acted in good faith throughout this ordeal. How could I complete the coursework if I did not have access to the classwork and class assignments after the withdrawal? I still have yet to get a response to that question. 

I did a little research on line and found that several other thousands of people have experienced the same thing from XXXX University. So apparently, this is a business practice. This is away they get money ... off the backs of unsuspecting students who are blindsided by being withdrawn. Well, this student is taking a stand and will not allow this faux " university '' to continue to prey on people 's real goals and ambitions to get an education, only to be railroaded by this company. My outstanding tuition bill is bogus and I do not owe it.
Product: Credit reporting or other personal consumer reports

As a result of COVIDs lockdown during XXXX, the finances of my employer at the time, XXXX, was hit hard. During the following year, XXXX, they cut down heavily on hours and eventually let me go, resulting in my inability to keep current on my bill from CarMax Auto Finance. They do not see this as related to Covid despite my explanation. I lost my job in early XXXX of XXXX and was unable to pay until I got a new job in XXXX. I am now ahead of my bill several months and they still will not address this as related to Covid to remove the couple of late payments. Im XXXX years old, I was XXXX when all of this happened, this is my only credit history I have and its affecting my ability to get a house. Ive reached out to their customer service department numerous times and got a variety of different promises, suggestions and dates.
Product: Debt collection

I had A burglary at my home resulting in the loss of personal items including birth certificates, social security cards, check books, and money. I recently learned of a check that was written off of the book of checks that were stolen. I contacted the collection agency and told them that I didn't write this check. They have been provided both an FTC affidavit and a police report. Yet they still refuse to remove this fraudulent account from my credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 and was not responded to. TransUnion is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request. A second letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 simply requesting they provide me the name of the company who furnished this information thats being reported on my credit report. TransUnion have violated my consumer rights for the second time, pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). How can they continue to break federal law like this?
Product: Credit reporting or other personal consumer reports

On Or around XX/XX/year> I was a victim of Bank Fraud in which I had to file a complaint with The CFPB and it was resolved. This made me begin to also check my credit file with all 3 Bureaus XXXX, Equfax, and Experian. I then noticed some abnormalities with my name, addresses and some accounts. I then filed disputes against all items and found out that Experian had put a freeze on my account due to fraud without notifying me or without my consent. After not recieving any results I took things a step further and filed XXXX XXXX, which was discharged XX/XX/year>. These accounts are still being reported to my credit file and has caused me a great deal of hardship. I am challenging and filing a dispute against Experian under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am also challenging and filing a dispute against Equifax under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am chellenging and filing a dispute against XXXX under the laws of:15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). These companies have been investigated for improper investigations and I believe I am a victim.
Product: Credit card or prepaid card

On XX/XX/20 I checked my account as usually and it started I had XXXX available credit. I paid everything off the previous month so I knew this was incorrect. I called the company and input my information and the automated system said the account was closed. I called back to speak with a rep and I was told they couldn't tell me why the account was closed and that they will not reopen. This is very unfair. I received no letters or anything. I did notice them checking my credit unauthorized and they kept dropping my credit limit. It went from XXXX to XXXX in a matter of months.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and Transunion by way of Financial institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY
Product: Checking or savings account

On XX/XX/XXXX I received an email from Wells Fargo alerting me that a check deposited on XX/XX/XXXX into my account was " returned unpaid '' and the amount ( {$3600.00} ) was deducted from my checking account. I did not attempt to deposit a check on XX/XX/XXXX. Upon logging into my account online I noted that a withdrawal was also made on XX/XX/XXXX for the same amount ( {$3600.00} ). I did not withdraw money on this day either. The transaction detail indicated that the transactions were " in branch '' in XXXX XXXX NC. I live XXXX hours from this branch ( I live in XXXX VA ). I called customer service on XX/XX/XXXX and disputed this transaction and explained that I did not attempt to deposit a check for {$3600.00}, nor did I withdraw {$3600.00}. I also explained that I was not in NC on this day or any other day. I did not hear from Wells Fargo again. I continued to check the status of my complaint online and observed that the case was closed on XX/XX/XXXX. With no explanation or contact from the bank. I called customer service again and was told that the research team determined no fraud occurred. I requested elevation. Another complaint was opened on XX/XX/XXXX and that evening I received a call and was told that without a police report and investigation no further action would be taken. On Monday XX/XX/XXXX I went to my local Wells Fargo branch and spoke with a banker in person. They called on my behalf and were told the matter was closed and if I got a police report they would consider re-opening the case. When the banker asked what police department should be contacted ( local or in NC ) he was given unclear instructions. He asked that they call me as soon as possible to discuss. Later that day ( XX/XX/XXXX ) I again received a call from the same individual as the evening of XX/XX/XXXX and was told there was no loss and there would be no further consideration by Wells Fargo into my claim. I again explained there was a loss as I am out {$3600.00}. The fraudster walked out of the bank with {$3600.00} of my money. The individual said I have a problem with the withdraw, not the deposit. I would need to submit a new dispute for the withdrawal. When I asked if she could help me with that I was told to call the number on the back of my debit card and start over. She then hung up. 

I don't understand how someone can walk into a bank branch 5 hours away and steal my money without ID or authorization. Wells Fargo is not interested in investigating or resolving my claim.
Product: Debt collection

i was called by a person who passed herself off to be a medical person or close relative that my wife thought she was. than the woman wouldn't give her or me any information until i said who i was. she than said the information was being recorded. she stated that i owed XXXX and that it was in collections. i told her i don't owe that much and that the bankruptcy trustee paid them XXXX she refused to accept the amount i said i would try to pay and she refused to listen to me and said something like she didn't half too. she told me to have a blessed day and hung up.
Product: Student loan

Starting XX/XX/2023 to current date XXXX XX/XX/2023, I am unable to log into the website to pay my student loans. I get an error saying they have no record of my loan but all my student loans are through them ( EDFinancial ). I've attempted multiple phone calls with over 3 hour wait times and attempted call backs but never received. As of now, EDFinancial is not allowing me to pay my student loans through proper means that will allow me to get confirmation. If i try to do phone call attempt, when I put in my social, it loops me back into the same prompt because the phone system doesn't have my account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete collection account, XXXX XXXX, and continues to report false information. 
This account is not mine. 
Experian needs to delete this account from my credit report and send XXXX XXXX a corrected copy of reported OR Experian must add my personal statement to my entire credit file as follows ; EXPERIAN IS REPORTING FALSE INFORMATION IN VIOLATION OF FEDERAL LAWS AND/OR REGULATIONS. 

An updated copy of my credit report that includes my personal statement must be sent to everyone that has obtained a copy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We received notice on XX/XX/2020 that our loan was being transferred from XXXX XXXX XXXX, our initial loan company, to LoanCare, who had purchased the loan. In the paperwork that was sent, there was two parts that were concerning and needed further explanation. 

-- We were responsible to change the autopayment plan ourselves. 

-- We needed to arrange this payment plan with our bank. 

-- It would take time to process the payment plan, and therefore, to avoid missing a payment, the first months payment needed to be mailed. 

No further explanation was provided. When we attempted to contact LoanCare, we used three different phone numbers, all of which were automated systems. When attempting to reach a human being through these systems, the phone system would repeat the same message over and over, never reaching a human being. 

We mailed our first month check to the address provided as instructed to do on XX/XX/XXXX. The check was for the amount we were instructed to pay On XX/XX/2020, the check we sent was cashed, but an amount lower than the check value was withdrawn from our account. 

On XX/XX/XXXX, we received an email that the automatic payment would be withdrawn from the bank account and that it might be delayed. 

On XX/XX/2020, the automatic mortgage payment was automatically withdrawn from our bank account, despite being told we were responsible to set it up and that it would be delayed. 

After each of the previous mentioned dates, we again attempted to remedy the situation through sending an email, and again attempting to contact someone at the company over the phone, with the same results. 

All of the things we experiencedthe double payment, the inability to receive service, the lack of communication or remedyis all documented by many other people this month on XXXX. Our property is not the only one that underwent this experience. 

We would appreciate assistance. This has the appearance of fraud, especially since it is occurring multiple times to several other individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me as late on a payment I believe I XXXX they assured me that it was a mistake as I was promised that during the refi process, all late fees will be waived and no late fees would apply. 
As you can see there was one reported late They assured me that it would be removed and it had yet to be Credit Bureau needs to contact them directly for further information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I BEEN HAVING ISSUES WITH AMERICAN EXPRESS, THEY DONT WANT TO ACT IN HONOR WHILE CONDUCTING CONSUMER BUSINESS. I SENT IN CERT MAIL AND EMAIL THE POWER OF ATTORNEY FOR THE AMERICAN EXPRESS CARD ACCOUNT. I REQUESTED THE 4 NUMBER CODE. I HAVE NOT GOT ANY HELP BUT PASSED AROUND ON THE PHONE FOR 2 HOURS. ATTACHED 2 DIFFERNT FORMS NEED THE 4 DIGIT CODE
Product: Credit reporting or other personal consumer reports

public record XXXX  XXXX bankruptcy can not be in my credit report due to time expired of file. it shouldn't not be there at any reason
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 XXXXXXXX : # 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 card or prepaid card

Hello My name is XXXX XXXX and Id like to file a complaint with Chase bank particularly with the one in XXXX XXXX and their credit reporting agencies. 

Unfortunately it has been on multiple occasions that I have been trying to establish a payment plan with this company. At times they have stated to me that I do not qualify because my income is not sufficient in regards to my debt. I explained Im going through a hardship etc. and it has been horrible. I have tried my best to make payments but it seems like its very difficult for this bank to keep to their promises like they say they will and treat their customers with respect. 

For example. I received a part time job and now they are still stating that I dont make enough in order to be in this program. Previously they had stated if I received a job that I could get into a payment program. 

On XX/XX/202 I was hung up on and I just felt overall disrespected and humiliated. This was with a supervisor and the coworker. 

We just can never seem to see eye to eye on things. 

I have also spoken with XXXX today to help discuss my concerns about my payment plan and we still have not come up with anything. At least she heard my concern. 

If someone could please call me at their earliest convenience Id be happy to explain further or write a detailed letter of what had been occurring. 

XXXX XXXX XXXX